CA2463657A1 - Universal positive pay match, authentication, authorization, settlement and clearing system - Google Patents

Universal positive pay match, authentication, authorization, settlement and clearing system Download PDF

Info

Publication number
CA2463657A1
CA2463657A1 CA002463657A CA2463657A CA2463657A1 CA 2463657 A1 CA2463657 A1 CA 2463657A1 CA 002463657 A CA002463657 A CA 002463657A CA 2463657 A CA2463657 A CA 2463657A CA 2463657 A1 CA2463657 A1 CA 2463657A1
Authority
CA
Canada
Prior art keywords
customer
register information
check
authorization
authentication
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.)
Granted
Application number
CA002463657A
Other languages
French (fr)
Other versions
CA2463657C (en
Inventor
William O. Bozeman
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.)
Individual
Original Assignee
Individual
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=26936036&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=CA2463657(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Individual filed Critical Individual
Publication of CA2463657A1 publication Critical patent/CA2463657A1/en
Application granted granted Critical
Publication of CA2463657C publication Critical patent/CA2463657C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Abstract

An universal positive pay match, authentication, authorization, clearing and settlement system (10) to reduce check and card fraud. The system includes several technologies for inputting check register information connectively from various users of the system, a database (20) for storing the check register information and the check histories, software that searches for and captures escheated check register information, software that automatically polls check register information from the customer, the customer's bank or merchant and conducting and transmitting a partial or full reconciliation of the check register information from the system to the customer. Also included in the system is the ability of the customer's bank to provide either a stalled debit or debit stall to the customer (30).
CA002463657A 2000-10-30 2001-10-29 Universal positive pay match, authentication, authorization, settlement and clearing system Expired - Fee Related CA2463657C (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US24372200P 2000-10-30 2000-10-30
US60/243,722 2000-10-30
US09/983,065 2001-10-23
US09/983,065 US6754640B2 (en) 2000-10-30 2001-10-23 Universal positive pay match, authentication, authorization, settlement and clearing system
PCT/US2001/042831 WO2002046858A2 (en) 2000-10-30 2001-10-29 Universal positive pay match, authentication, authorization, settlement and clearing system

Publications (2)

Publication Number Publication Date
CA2463657A1 true CA2463657A1 (en) 2002-06-13
CA2463657C CA2463657C (en) 2008-10-21

Family

ID=26936036

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002463657A Expired - Fee Related CA2463657C (en) 2000-10-30 2001-10-29 Universal positive pay match, authentication, authorization, settlement and clearing system

Country Status (4)

Country Link
US (6) US6754640B2 (en)
AU (1) AU2002241470A1 (en)
CA (1) CA2463657C (en)
WO (1) WO2002046858A2 (en)

Families Citing this family (603)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
AU763571B2 (en) 1998-12-23 2003-07-24 Chase Manhattan Bank, The System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US7664705B2 (en) 1999-03-31 2010-02-16 Walker Digital, Llc Methods and systems for accepting offers via checks
US7058817B1 (en) 1999-07-02 2006-06-06 The Chase Manhattan Bank System and method for single sign on process for websites with multiple applications and services
WO2001009806A1 (en) 1999-08-02 2001-02-08 E-Mark Systems Inc. Electronic settlement system, settlement device, and terminal
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
WO2002011019A1 (en) 2000-08-01 2002-02-07 First Usa Bank, N.A. System and method for transponder-enabled account transactions
US7523067B1 (en) * 2000-08-02 2009-04-21 Softbankbb Corporation Electronic settlement system, settlement apparatus, and terminal
US7617114B1 (en) * 2000-08-10 2009-11-10 Wellpoint Inc. Health care reimbursement
US7831467B1 (en) 2000-10-17 2010-11-09 Jpmorgan Chase Bank, N.A. Method and system for retaining customer loyalty
AU2002224482A1 (en) 2000-11-06 2002-05-15 First Usa Bank, N.A. System and method for selectable funding of electronic transactions
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
US7529698B2 (en) * 2001-01-16 2009-05-05 Raymond Anthony Joao Apparatus and method for providing transaction history information, account history information, and/or charge-back information
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US7895098B2 (en) 2001-03-01 2011-02-22 Jpmorgan Chase Bank, N.A. System and method for measuring and utilizing pooling analytics
US7555462B2 (en) * 2001-04-12 2009-06-30 International Business Machines Corporation Method and apparatus for incorporating scanned checks into financial applications
US20020152164A1 (en) * 2001-04-12 2002-10-17 International Business Machines Corporation Method and apparatus for processing a check within a financial system
US20020152169A1 (en) * 2001-04-12 2002-10-17 Rabindranath Dutta Method and apparatus for facilitating transactions at an automatic teller machine
US20020152165A1 (en) * 2001-04-12 2002-10-17 International Business Machines Corporation Method and apparatus for bill payments at an automatic teller machine
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
CA2445573A1 (en) * 2001-04-27 2002-11-07 Massachusetts Institute Of Technology Method and system for micropayment transactions
US7313546B2 (en) 2001-05-23 2007-12-25 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
WO2002099598A2 (en) 2001-06-07 2002-12-12 First Usa Bank, N.A. System and method for rapid updating of credit information
US7266839B2 (en) 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
AU2002327322A1 (en) 2001-07-24 2003-02-17 First Usa Bank, N.A. Multiple account card and transaction routing
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
US20030069841A1 (en) * 2001-10-04 2003-04-10 First Data Corporation Methods and systems for processing financial instruments
US20030130919A1 (en) * 2001-11-20 2003-07-10 Randy Templeton Systems and methods for selectively accessing financial account information
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
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US20030115155A1 (en) * 2001-12-18 2003-06-19 Ncr Corporation Issuing certified checks over the internet
US7668776B1 (en) 2002-01-07 2010-02-23 First Data Corporation Systems and methods for selective use of risk models to predict financial risk
US20040148235A1 (en) * 2002-01-11 2004-07-29 Craig Mark S. Real time financial instrument image exchange system and method
US20180165441A1 (en) 2002-03-25 2018-06-14 Glenn Cobourn Everhart Systems and methods for multifactor authentication
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US8751391B2 (en) 2002-03-29 2014-06-10 Jpmorgan Chase Bank, N.A. System and process for performing purchase transactions using tokens
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
US6957770B1 (en) * 2002-05-10 2005-10-25 Biopay, Llc System and method for biometric authorization for check cashing
US7614550B1 (en) 2002-05-10 2009-11-10 Phoenix Check Cashing, Inc. System and method for negotiable instrument cashing fee setup by type
US7520422B1 (en) 2002-05-10 2009-04-21 Phoenix Check Cashing, Inc. System and method for depositing negotiable instruments
US7753268B1 (en) 2002-05-10 2010-07-13 Phoenix Check Cashing, Inc. System and method for negotiable instrument cashing transaction assistance procedures
US7383227B2 (en) * 2002-05-14 2008-06-03 Early Warning Services, Llc Database for check risk decisions populated with check activity data from banks of first deposit
US20180189870A1 (en) * 2002-05-14 2018-07-05 Early Warning Services, Llc Multi-database system for storing data from multiple data sources
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
JP4143905B2 (en) * 2002-08-28 2008-09-03 富士ゼロックス株式会社 Image forming system and method
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
US20040078311A1 (en) * 2002-10-21 2004-04-22 Timothy Robinson System and method for automated binning and automatic data entry of centralized returns
US7792716B2 (en) * 2002-10-31 2010-09-07 Federal Reserve Bank Of Atlanta Searching for and identifying automated clearing house transactions by transaction type
US7330835B2 (en) * 2002-10-31 2008-02-12 Federal Reserve Bank Of Minneapolis Method and system for tracking and reporting automated clearing house transaction status
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US20040111361A1 (en) * 2002-11-15 2004-06-10 Automatic Data Processing, Inc. System and method for value delivery
US8290840B2 (en) * 2002-11-27 2012-10-16 Consumerinfo.Com, Inc. Method for determining insurance benefits and premiums from dynamic credit information
US20110202565A1 (en) * 2002-12-31 2011-08-18 American Express Travel Related Services Company, Inc. Method and system for implementing and managing an enterprise identity management for distributed security in a computer system
US7451113B1 (en) 2003-03-21 2008-11-11 Mighty Net, Inc. Card management system and method
US10311412B1 (en) 2003-03-28 2019-06-04 Jpmorgan Chase Bank, N.A. Method and system for providing bundled electronic payment and remittance advice
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
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
US8666855B2 (en) * 2003-06-30 2014-03-04 Plati Networking, Llc System and method for a payment system directory
US9412123B2 (en) 2003-07-01 2016-08-09 The 41St Parameter, Inc. Keystroke analysis
US8156040B2 (en) * 2003-07-03 2012-04-10 Federal Reserve Bank Of Minneapolis Method and system for conducting international electronic financial transactions
US7698207B2 (en) * 2003-07-11 2010-04-13 OMX Technology Automated method and a system for clearing and settling trades in a CSD-system
US8175908B1 (en) 2003-09-04 2012-05-08 Jpmorgan Chase Bank, N.A. Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data
US8705808B2 (en) 2003-09-05 2014-04-22 Honeywell International Inc. Combined face and iris recognition system
US8098901B2 (en) 2005-01-26 2012-01-17 Honeywell International Inc. Standoff iris recognition system
US8442276B2 (en) 2006-03-03 2013-05-14 Honeywell International Inc. Invariant radial iris segmentation
US8049812B2 (en) 2006-03-03 2011-11-01 Honeywell International Inc. Camera with auto focus capability
US8064647B2 (en) 2006-03-03 2011-11-22 Honeywell International Inc. System for iris detection tracking and recognition at a distance
US7933507B2 (en) 2006-03-03 2011-04-26 Honeywell International Inc. Single lens splitter camera
US8045764B2 (en) 2005-01-26 2011-10-25 Honeywell International Inc. Expedient encoding system
US8090157B2 (en) 2005-01-26 2012-01-03 Honeywell International Inc. Approaches and apparatus for eye detection in a digital image
US7593550B2 (en) 2005-01-26 2009-09-22 Honeywell International Inc. Distance iris recognition
US8085993B2 (en) 2006-03-03 2011-12-27 Honeywell International Inc. Modular biometrics collection system architecture
US8533084B2 (en) * 2003-09-12 2013-09-10 Moebs $ervices, Inc. Risk identification system and methods
US7676408B2 (en) * 2003-09-12 2010-03-09 Moebs Services, Inc. Risk identification system and methods
US8543477B2 (en) * 2003-09-30 2013-09-24 Federal Reserve Bank Of Atlanta Value tracking and reporting of automated clearing house transactions
US8417636B2 (en) * 2003-09-30 2013-04-09 Federal Reserve Bank Of Atlanta Approving ACH operator processing of ACH payments based on an originating depository financial institution's approved originator list
US8046299B2 (en) * 2003-10-15 2011-10-25 American Express Travel Related Services Company, Inc. Systems, methods, and devices for selling transaction accounts
US20050091163A1 (en) * 2003-10-27 2005-04-28 Cheryl Phillips Systems and methods for handling repetitive inputs
US20050091114A1 (en) * 2003-10-27 2005-04-28 Cheryl Phillips Systems and methods for handling multiple merchant identifiers
US20050091130A1 (en) * 2003-10-27 2005-04-28 Cheryl Phillips Systems and methods for editing check transactions
US7118030B2 (en) * 2003-10-27 2006-10-10 First Data Corporation Systems and methods for interfacing location-base devices
US7520420B2 (en) * 2003-10-27 2009-04-21 First Data Corporation Systems and methods for generating receipts
US20050091132A1 (en) * 2003-10-27 2005-04-28 Cheryl Phillips Systems and methods for processing converted checks
US7070092B2 (en) * 2003-10-27 2006-07-04 First Data Corporation Systems and methods for managing throughput of point of sale devices
US8027928B1 (en) 2003-10-30 2011-09-27 Wells Fargo Bank, N.A. Dynamic selection of deposit clearing methods based on business rules
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
US7660771B2 (en) * 2003-10-30 2010-02-09 Wells Fargo Bank, N.A. Express check conversion
US20050096992A1 (en) * 2003-10-31 2005-05-05 Geisel Brian R. Image-enabled item processing for point of presentment application
US20050125295A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for obtaining payor information at a point of sale
US20050125296A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for obtaining biometric information at a point of sale
US7783563B2 (en) * 2003-12-09 2010-08-24 First Data Corporation Systems and methods for identifying payor location based on transaction data
US7398925B2 (en) * 2003-12-09 2008-07-15 First Data Corporation Systems and methods for assessing the risk of a financial transaction using biometric information
US7287689B2 (en) 2003-12-09 2007-10-30 First Data Corporation Systems and methods for assessing the risk of a financial transaction using authenticating marks
US20050125338A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for assessing the risk of a financial transaction using reconciliation information
US20050125350A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for assessing the risk of financial transaction using geographic-related information
US20050125360A1 (en) * 2003-12-09 2005-06-09 Tidwell Lisa C. Systems and methods for obtaining authentication marks at a point of sale
US7814003B2 (en) 2003-12-15 2010-10-12 Jp Morgan Chase Billing workflow system for crediting charges to entities creating derivatives exposure
US7853521B2 (en) * 2003-12-23 2010-12-14 The Western Union Company Global positioning system to manage risk for POS terminal
US7640205B2 (en) 2003-12-23 2009-12-29 First Data Corporation Systems and methods for accessing reconcilement information
US20050149440A1 (en) * 2003-12-23 2005-07-07 Leslie Michelassi Systems and methods for routing requests for reconcilement information
US7945494B2 (en) * 2003-12-23 2011-05-17 First Data Corporation Device with GPS to manage risk for financial transactions
US7100820B2 (en) * 2003-12-23 2006-09-05 First Data Corporation Systems and methods for prioritizing reconcilement information searches
US20050137982A1 (en) * 2003-12-23 2005-06-23 Leslie Michelassi Systems and methods for determining a reconcilement result
US7743981B2 (en) * 2003-12-23 2010-06-29 First Data Corporation GPS database to manage risk for financial transactions
US7337953B2 (en) 2004-02-06 2008-03-04 Early Warning Services, Llc. Negotiable instrument authentication systems and methods
US10346620B2 (en) 2004-02-06 2019-07-09 Early Warning Service, LLC Systems and methods for authentication of access based on multi-data source information
US20050177542A1 (en) * 2004-02-06 2005-08-11 Glen Sgambati Account-owner verification database
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
US7747528B1 (en) * 2004-02-11 2010-06-29 Yt Acquisition Corporation System and method for delaying payment processing for biometrically-initiated financial transactions
US20050182971A1 (en) * 2004-02-12 2005-08-18 Ong Peng T. Multi-purpose user authentication device
US10999298B2 (en) 2004-03-02 2021-05-04 The 41St Parameter, Inc. Method and system for identifying users and detecting fraud by use of the internet
US20160210652A9 (en) * 2004-03-12 2016-07-21 American Express Travel Related Services Company, Inc. Rebate transaction instrument system and method
US7191939B2 (en) 2004-03-12 2007-03-20 American Express Travel Related Services Company, Inc. Systems, methods, and devices for selling transaction instruments via web-based tool
US7243839B2 (en) 2004-03-12 2007-07-17 American Express Travel Related Services Company, Inc. Systems, methods, and devices for selling transaction instruments
US7283656B2 (en) * 2004-03-17 2007-10-16 Federal Reserve Bank Of Cleveland Assessing electronic image quality
JP4691900B2 (en) * 2004-05-12 2011-06-01 セイコーエプソン株式会社 CHECK PROCESSING METHOD, PROGRAM, AND CHECK PROCESSING DEVICE
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
EP1782348A1 (en) * 2004-06-28 2007-05-09 Accenture Global Services GmbH Direct connectivity system for healthcare administrative transactions
EP1769468A1 (en) * 2004-07-13 2007-04-04 Koninklijke Philips Electronics N.V. Security paper and articles comprising such paper
US7822664B2 (en) * 2004-07-19 2010-10-26 Adam Friedman Future check financing method
US7774269B2 (en) * 2004-07-19 2010-08-10 Adam Friedman Future check financing method
US7881996B1 (en) 2004-08-03 2011-02-01 Federal Reserve Bank Of Atlanta Method and system for screening financial transactions
US7185805B1 (en) 2004-08-10 2007-03-06 Transmodus, Inc. Wireless check authorization
US7690563B2 (en) * 2004-09-14 2010-04-06 Rose James M Transaction security system
US7580886B1 (en) * 2004-09-15 2009-08-25 Federal Reserve Bank Of Atlanta Managing foreign payments in an international ACH
US20060059085A1 (en) * 2004-09-16 2006-03-16 Tucker Scott A Method, system, and computer program for on-demand short term loan processing and overdraft protection
US7970673B2 (en) * 2004-10-29 2011-06-28 American Express Travel Related Services Company, Inc. Method, apparatus, and computer program product for repository data maximization
US8346910B2 (en) 2004-11-30 2013-01-01 American Express Travel Related Services Company, Inc. Method and apparatus for managing an interactive network session
US20060116961A1 (en) * 2004-12-01 2006-06-01 Charles Kopko Method and apparatus for processing checks into an electronic funds transfer system
US7201323B2 (en) * 2004-12-10 2007-04-10 Mitek Systems, Inc. System and method for check fraud detection using signature validation
US7249717B2 (en) * 2004-12-10 2007-07-31 Mitek Systems, Inc. System and method for check fraud detection using signature validation
US7168614B2 (en) * 2004-12-10 2007-01-30 Mitek Systems, Inc. System and method for check fraud detection using signature validation
US7232060B2 (en) * 2004-12-21 2007-06-19 First Data Corporation Point of sale devices for converting promissory transactions into debit transactions
US8700729B2 (en) 2005-01-21 2014-04-15 Robin Dua Method and apparatus for managing credentials through a wireless network
US7413117B2 (en) * 2005-02-09 2008-08-19 First Data Corporation Pre-paid activation and replenishment on a point-of-sale device
US7392935B2 (en) 2005-02-10 2008-07-01 Wells Fargo Bank, N.A. Method and apparatus for accepting check deposits via the internet using browser-based technology
US7594600B2 (en) * 2005-02-28 2009-09-29 Federal Reserve Bank Of Atlanta Expanded mass data sets for electronic check processing
US7686209B2 (en) 2005-02-28 2010-03-30 Federal Reserve Bank Of Dallas Cash letter print streams with audit data
US20060206424A1 (en) * 2005-03-10 2006-09-14 Ken Algiene Systems and methods for rewarding debit transactions
US20060218023A1 (en) * 2005-03-25 2006-09-28 Conrad Gerald L Single premium term life insurance
US20060229987A1 (en) * 2005-04-08 2006-10-12 Leekley John T Check replication detection system and method
US7731084B2 (en) * 2005-05-23 2010-06-08 Seiko Epson Corporation Devices and methods for monitoring transaction data from point-of-sale devices
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
US20060282383A1 (en) * 2005-06-09 2006-12-14 Ncr Corporation Payment methods and systems enhanced with image comparison for detecting fraudulent checks
US20060282270A1 (en) * 2005-06-09 2006-12-14 First Data Corporation Identity verification noise filter systems and methods
US8032462B2 (en) 2005-07-07 2011-10-04 Federal Reserve Bank Of Kansas City Electronic image cash letter balancing
US7802717B2 (en) 2005-07-07 2010-09-28 Federal Reserve Bank Of Dallas Electronic image cash letter monitoring
US8109435B2 (en) * 2005-07-14 2012-02-07 Early Warning Services, Llc Identity verification switch
US9235841B2 (en) 2005-07-22 2016-01-12 Gtj Ventures, Llc Transaction security apparatus and method
US9245270B2 (en) 2005-07-22 2016-01-26 Gtj Ventures, Llc Transaction security apparatus and method
US9911124B2 (en) 2005-07-22 2018-03-06 Gtj Ventures, Llc Transaction security apparatus and method
US7925578B1 (en) 2005-08-26 2011-04-12 Jpmorgan Chase Bank, N.A. Systems and methods for performing scoring optimization
US7584884B2 (en) 2005-09-06 2009-09-08 Capital One Financial Corporation System and method for capturing sales tax deduction information from monetary card transactions
US8286860B2 (en) * 2006-11-07 2012-10-16 Money Network Financial, Llc Negotiable instrument to presentation instrument value porting systems and methods
US20070073612A1 (en) * 2005-09-23 2007-03-29 Jonathan Smith Method, system, and computer program product for providing credit services
US7627525B2 (en) * 2005-10-07 2009-12-01 Andrew Williams Automated check cashing and loan processing ATM system and methodology
US8055575B2 (en) * 2005-10-14 2011-11-08 Financial Intergroup Holdings, Ltd. Central counterparty for data management
US20070094140A1 (en) * 2005-10-25 2007-04-26 Riney Shaun P System for direct presentment of cash letters
US8616440B2 (en) * 2005-11-01 2013-12-31 Kevin Kerridge Alternative banking system for managing traditional and nontraditional markets
US7711176B2 (en) * 2005-12-16 2010-05-04 Ncr Corporation Computer-implemented method of processing a substitute check and an apparatus therefor
US8938671B2 (en) 2005-12-16 2015-01-20 The 41St Parameter, Inc. Methods and apparatus for securely displaying digital images
US11301585B2 (en) 2005-12-16 2022-04-12 The 41St Parameter, Inc. Methods and apparatus for securely displaying digital images
US7717328B1 (en) 2005-12-29 2010-05-18 United Services Automobile Association (Usaa) Auto check reorder
US7654447B1 (en) 2005-12-29 2010-02-02 United Services Automobile Association (Usaa) Auto check reorder
KR101308368B1 (en) 2006-03-03 2013-09-16 허니웰 인터내셔널 인코포레이티드 An iris recognition system having image quality metrics
WO2007103834A1 (en) 2006-03-03 2007-09-13 Honeywell International, Inc. Indexing and database search system
US8151327B2 (en) 2006-03-31 2012-04-03 The 41St Parameter, Inc. Systems and methods for detection of session tampering and fraud prevention
US7958053B2 (en) * 2006-05-02 2011-06-07 Compucredit Intellectual Property Holdings Corp. Ii Method and system for extending credit with automated repayment
US20070288382A1 (en) * 2006-05-03 2007-12-13 Avalon International, Inc. Check21 image based document and processing system
US8490869B2 (en) * 2006-05-10 2013-07-23 Metavante Corporation Predictive authorization techniques
US8387862B2 (en) 2006-05-17 2013-03-05 Federal Reserve Bank Of Dallas Electronic image cash letter validation
US9195985B2 (en) 2006-06-08 2015-11-24 Iii Holdings 1, Llc Method, system, and computer program product for customer-level data verification
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
US20080021822A1 (en) * 2006-07-18 2008-01-24 Jpmorgan Chase Bank, N.A. Method and system for receivables management
US20120310675A1 (en) * 2006-07-21 2012-12-06 Jpmorgan Chase Bank, N.A. System and Method for Loss Checks Payable to Secured Party and Property Owner
US8799148B2 (en) 2006-08-31 2014-08-05 Rohan K. K. Chandran Systems and methods of ranking a plurality of credit card offers
US11887175B2 (en) 2006-08-31 2024-01-30 Cpl Assets, Llc Automatically determining a personalized set of programs or products including an interactive graphical user interface
US20080071683A1 (en) * 2006-09-19 2008-03-20 First Data Corporation Return fee system for electronic check acceptance
US20080071684A1 (en) * 2006-09-19 2008-03-20 First Data Corporation Electronic check acceptance
US20080086416A1 (en) * 2006-09-27 2008-04-10 Shalar Vincent Alias System and method for processing checks
US20080247629A1 (en) * 2006-10-10 2008-10-09 Gilder Clark S Systems and methods for check 21 image replacement document enhancements
US20080249951A1 (en) * 2006-10-10 2008-10-09 Gilder Clark S Security systems and methods for digital payments
US8626661B2 (en) * 2006-10-10 2014-01-07 Global Standard Financial, Inc. Electronic lockbox using digitally originated checks
US8708227B1 (en) 2006-10-31 2014-04-29 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8351677B1 (en) 2006-10-31 2013-01-08 United Services Automobile Association (Usaa) 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
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
US7876949B1 (en) 2006-10-31 2011-01-25 United Services Automobile Association Systems and methods for remote deposit of checks
US7873200B1 (en) 2006-10-31 2011-01-18 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US7720735B2 (en) 2006-11-02 2010-05-18 Metropolitan Life Ins. Co. System and method for remote deposit capture
US8595096B2 (en) 2006-11-07 2013-11-26 Federal Reserve Bank Of Richmond Prioritizing checks for electronic check processing
US20080126249A1 (en) * 2006-11-10 2008-05-29 Jose Garcia System and method for providing remote financial services
US7962495B2 (en) 2006-11-20 2011-06-14 Palantir Technologies, Inc. Creating data in a data store using a dynamic ontology
US8515912B2 (en) 2010-07-15 2013-08-20 Palantir Technologies, Inc. Sharing and deconflicting data changes in a multimaster database system
US8688749B1 (en) 2011-03-31 2014-04-01 Palantir Technologies, Inc. Cross-ontology multi-master replication
US7792686B2 (en) 2006-12-05 2010-09-07 Stoneeagle Services, Inc. Medical benefits payment system
US8195570B1 (en) 2006-12-18 2012-06-05 First Data Corporation Generation of receipts for check point of sale device
US8930331B2 (en) 2007-02-21 2015-01-06 Palantir Technologies Providing unique views of data based on changes or rules
US20080215640A1 (en) * 2007-03-01 2008-09-04 Rent Bureau, Llc Method of processing apartment tenant status information
US20080217400A1 (en) * 2007-03-06 2008-09-11 Portano Michael D System for preventing fraudulent purchases and identity theft
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
US8165939B1 (en) * 2007-04-23 2012-04-24 Reass Richard M Method of settling a real estate transaction and system implementing the method
US8063889B2 (en) 2007-04-25 2011-11-22 Honeywell International Inc. Biometric data collection system
US8924729B1 (en) 2007-05-08 2014-12-30 United Services Automobile Association (Usaa) Systems and methods for biometric E-signature
US9596088B1 (en) 2007-05-08 2017-03-14 United Services Automobile Association (Usaa) Systems and methods for biometric e-signature
US8538124B1 (en) 2007-05-10 2013-09-17 United Services Auto Association (USAA) Systems and methods for real-time validation of check image quality
US8433127B1 (en) 2007-05-10 2013-04-30 United Services Automobile Association (Usaa) Systems and methods for real-time validation of check image quality
US8929857B2 (en) 2007-06-28 2015-01-06 Kajeet, Inc. Policy management of electronic devices
US7945238B2 (en) 2007-06-28 2011-05-17 Kajeet, Inc. System and methods for managing the utilization of a communications device
US7958050B2 (en) * 2007-07-02 2011-06-07 Early Warning Services, Llc Payment account monitoring system and method
US20090024520A1 (en) * 2007-07-17 2009-01-22 Tal Drory Detection of Check Fraud Using Multiple Check Images
US8037037B2 (en) * 2007-08-30 2011-10-11 At&T Intellectual Property I, Lp System for tracking media content transactions
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
CN101884189A (en) * 2007-10-05 2010-11-10 全球标准金融股份公司 Electronic check financial payment systems and method
US8554719B2 (en) 2007-10-18 2013-10-08 Palantir Technologies, Inc. Resolving database entity information
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
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
US7996314B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US8001051B1 (en) 2007-10-30 2011-08-16 United Services Automobile Association (Usaa) 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
US7996316B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association Systems and methods to modify a negotiable instrument
US7996315B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify 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
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
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
US8573498B2 (en) 2007-11-06 2013-11-05 Federal Reserve Bank Of Kansas City Identifying duplicate printed paper cash letters
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
US7918386B2 (en) 2007-11-06 2011-04-05 Federal Reserve Bank Of Kansas City Cash letter print verification
US8791948B2 (en) * 2007-11-09 2014-07-29 Ebay Inc. Methods and systems to generate graphical representations of relationships between persons based on transactions
US8775475B2 (en) * 2007-11-09 2014-07-08 Ebay Inc. Transaction data representations using an adjacency matrix
US7440915B1 (en) 2007-11-16 2008-10-21 U.S. Bancorp Licensing, Inc. Method, system, and computer-readable medium for reducing payee fraud
US8370230B2 (en) * 2007-11-21 2013-02-05 Early Warning Services, Llc System and method for expedited release of held items
US8046324B2 (en) 2007-11-30 2011-10-25 Ebay Inc. Graph pattern recognition interface
US8527405B1 (en) 2007-11-30 2013-09-03 Jpmorgan Chase Bank, N.A. Early payment rewards system and method
US8127986B1 (en) 2007-12-14 2012-03-06 Consumerinfo.Com, Inc. Card registry systems and methods
US9990674B1 (en) 2007-12-14 2018-06-05 Consumerinfo.Com, Inc. Card registry systems and methods
US7840562B2 (en) * 2007-12-14 2010-11-23 Sap Ag System and method of reconciling human resource database
US8694424B2 (en) 2007-12-18 2014-04-08 Federal Reserve Bank Of Atlanta System and method for managing foreign payments using separate messaging and settlement mechanisms
US20090171825A1 (en) * 2007-12-27 2009-07-02 Roman Alan P Systems and methods for processing a payment transaction
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
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
US9292737B2 (en) * 2008-01-18 2016-03-22 Mitek Systems, Inc. Systems and methods for classifying payment documents during mobile image processing
US8983170B2 (en) 2008-01-18 2015-03-17 Mitek Systems, Inc. Systems and methods for developing and verifying image processing standards for mobile deposit
US20100049615A1 (en) * 2008-01-24 2010-02-25 Qualcomm Incorporated Mobile commerce authentication and authorization system
US8238638B2 (en) 2008-01-31 2012-08-07 Federal Reserve Bank Of Kansas City Tag validation for efficiently assessing electronic check image quality
US10380562B1 (en) 2008-02-07 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for mobile deposit of negotiable instruments
US8725611B1 (en) 2008-02-21 2014-05-13 Jpmorgan Chase Bank, N.A. System and method for providing borrowing schemes
US7840465B1 (en) 2008-04-18 2010-11-23 United Services Automobile Association (Usaa) Systems and methods for conducting real-time application of electronic payments
US8436907B2 (en) 2008-05-09 2013-05-07 Honeywell International Inc. Heterogeneous video capturing system
US20090281946A1 (en) 2008-05-12 2009-11-12 Davis Peter A ACH Payment Processing
US8412632B2 (en) * 2008-05-30 2013-04-02 Microsoft Corporation Performing a check transaction using add-in modules
US8351678B1 (en) 2008-06-11 2013-01-08 United Services Automobile Association (Usaa) Duplicate check detection
US7853493B2 (en) * 2008-06-18 2010-12-14 Consumerinfo.Com, Inc. Personal finance integration system and method
US8095443B2 (en) 2008-06-18 2012-01-10 Consumerinfo.Com, Inc. Debt trending systems and methods
US8639592B1 (en) * 2008-06-20 2014-01-28 Card Compliant, LLC Methods and systems for optimizing escheat and derecognition of prepaid cards, stored value cards, credit memos and electronic payment instruments
US8312033B1 (en) 2008-06-26 2012-11-13 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US10861104B1 (en) 2008-07-21 2020-12-08 Wells Fargo Bank, N.A. System and method for configuring payment coupon processing
US20100036767A1 (en) * 2008-08-06 2010-02-11 Sharoff Narasimha N Reserving amount of payment from financial account balance
US8213782B2 (en) 2008-08-07 2012-07-03 Honeywell International Inc. Predictive autofocusing system
US8090246B2 (en) 2008-08-08 2012-01-03 Honeywell International Inc. Image acquisition system
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US8422758B1 (en) 2008-09-02 2013-04-16 United Services Automobile Association (Usaa) Systems and methods of check re-presentment deterrent
US10504185B1 (en) 2008-09-08 2019-12-10 United Services Automobile Association (Usaa) Systems and methods for live video financial deposit
US9348499B2 (en) 2008-09-15 2016-05-24 Palantir Technologies, Inc. Sharing objects that rely on local resources with outside servers
US7974899B1 (en) 2008-09-30 2011-07-05 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
US7885880B1 (en) 2008-09-30 2011-02-08 United Services Automobile Association (Usaa) Atomic deposit transaction
US8412593B1 (en) 2008-10-07 2013-04-02 LowerMyBills.com, Inc. Credit card matching
US8391599B1 (en) 2008-10-17 2013-03-05 United Services Automobile Association (Usaa) Systems and methods for adaptive binarization of an image
US7949587B1 (en) 2008-10-24 2011-05-24 United States Automobile Association (USAA) Systems and methods for financial deposits by electronic message
US7970677B1 (en) 2008-10-24 2011-06-28 United Services Automobile Association (Usaa) Systems and methods for financial deposits by electronic message
US8060424B2 (en) 2008-11-05 2011-11-15 Consumerinfo.Com, Inc. On-line method and system for monitoring and reporting unused available credit
US8280119B2 (en) 2008-12-05 2012-10-02 Honeywell International Inc. Iris recognition system using quality metrics
US20100161486A1 (en) * 2008-12-23 2010-06-24 Liu Alexander A Methods and systems for paying a bill using a transaction card account
US8725634B2 (en) * 2009-02-10 2014-05-13 Secure Payment Systems, Inc. Electronic deferred check writing system
US8452689B1 (en) 2009-02-18 2013-05-28 United Services Automobile Association (Usaa) Systems and methods of check detection
US10956728B1 (en) 2009-03-04 2021-03-23 United Services Automobile Association (Usaa) Systems and methods of check processing with background removal
US9112850B1 (en) 2009-03-25 2015-08-18 The 41St Parameter, Inc. Systems and methods of sharing information through a tag-based consortium
US8214292B2 (en) * 2009-04-01 2012-07-03 American Express Travel Related Services Company, Inc. Post-authorization message for a financial transaction
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US8332329B1 (en) 2009-04-22 2012-12-11 United Services Automobile Association (Usaa) Virtual check
US8504477B1 (en) * 2009-05-07 2013-08-06 Bank Of America Corporation Systems, methods and computer program products for automating financial institution client positive pay return decisions
US8630464B2 (en) 2009-06-15 2014-01-14 Honeywell International Inc. Adaptive iris matching using database indexing
US8472681B2 (en) 2009-06-15 2013-06-25 Honeywell International Inc. Iris and ocular recognition system using trace transforms
US9104695B1 (en) 2009-07-27 2015-08-11 Palantir Technologies, Inc. Geotagging structured data
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
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
US20110099103A1 (en) * 2009-10-22 2011-04-28 Bank Of America Corporation Automated Escheatment Process
US8386381B1 (en) 2009-12-16 2013-02-26 Jpmorgan Chase Bank, N.A. Method and system for detecting, monitoring and addressing data compromises
US8315888B2 (en) * 2010-02-12 2012-11-20 Assets Quest, Inc. Method and system for estimating unpaid claims
US8352354B2 (en) 2010-02-23 2013-01-08 Jpmorgan Chase Bank, N.A. System and method for optimizing order execution
US8447641B1 (en) 2010-03-29 2013-05-21 Jpmorgan Chase Bank, N.A. System and method for automatically enrolling buyers into a network
WO2011123723A1 (en) 2010-03-31 2011-10-06 Enviroscent, Inc. Methods, compositions and articles for olfactory-active substances
US8626656B2 (en) 2010-04-28 2014-01-07 Ing Direct N.V. System and method for securing payment instruments
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
US8554631B1 (en) 2010-07-02 2013-10-08 Jpmorgan Chase Bank, N.A. Method and system for determining point of sale authorization
US8742887B2 (en) 2010-09-03 2014-06-03 Honeywell International Inc. Biometric visitor check system
US8589288B1 (en) 2010-10-01 2013-11-19 Jpmorgan Chase Bank, N.A. System and method for electronic remittance of funds
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
AU2011331955A1 (en) * 2010-11-22 2013-05-30 Mineraltree, Inc. System and method for secure financial transactions
IT1404663B1 (en) * 2010-12-22 2013-11-29 Strambini PROCEDURE FOR REAL TIME CHECK OF BANK CHECKS
US8700510B2 (en) 2011-02-11 2014-04-15 Federal Reserve Bank Of Atlanta Redirecting or returning international credit transfers
US20120205904A1 (en) * 2011-02-16 2012-08-16 Todd Tredeau Financial Instrument for a Monetary Transaction System and Method
US8543504B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
US8543503B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
US9607336B1 (en) 2011-06-16 2017-03-28 Consumerinfo.Com, Inc. Providing credit inquiry alerts
US9547693B1 (en) 2011-06-23 2017-01-17 Palantir Technologies Inc. Periodic database search manager for multiple data sources
US8799240B2 (en) 2011-06-23 2014-08-05 Palantir Technologies, Inc. System and method for investigating large amounts of data
US20120330840A1 (en) * 2011-06-27 2012-12-27 Kai Stinchcombe Configurable system and apparatus for rendering payment decisions and triggering actions
US9483606B1 (en) 2011-07-08 2016-11-01 Consumerinfo.Com, Inc. Lifescore
US8732574B2 (en) 2011-08-25 2014-05-20 Palantir Technologies, Inc. System and method for parameterizing documents for automatic workflow generation
US9106691B1 (en) 2011-09-16 2015-08-11 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US20130073445A1 (en) * 2011-09-21 2013-03-21 Moneygram International, Inc. Real-Time Approval of Bank Draft Payments for Money Transfer Transactions
US8738516B1 (en) 2011-10-13 2014-05-27 Consumerinfo.Com, Inc. Debt services candidate locator
US9137389B2 (en) 2011-11-08 2015-09-15 Kajeet, Inc. Master limits and filters for electronic devices
US10754913B2 (en) 2011-11-15 2020-08-25 Tapad, Inc. System and method for analyzing user device information
EP2613287B1 (en) * 2012-01-04 2017-12-06 Barclays Bank PLC Computer system and method for initiating payments based on cheques
US10380565B1 (en) 2012-01-05 2019-08-13 United Services Automobile Association (Usaa) System and method for storefront bank deposits
US20130204783A1 (en) * 2012-01-09 2013-08-08 Ace Cash Express, Inc. System and method for performing remote check presentment (rcp) transactions by a check cashing company
US8918080B2 (en) 2012-01-17 2014-12-23 Kajeet, Inc. Mobile device management
US8782004B2 (en) 2012-01-23 2014-07-15 Palantir Technologies, Inc. Cross-ACL multi-master replication
US10643191B2 (en) * 2012-01-27 2020-05-05 Visa International Service Association Mobile services remote deposit capture
WO2013123252A1 (en) 2012-02-15 2013-08-22 Chexar Networks, Inc. Funds network and method
US9633201B1 (en) 2012-03-01 2017-04-25 The 41St Parameter, Inc. Methods and systems for fraud containment
US8719167B2 (en) 2012-03-02 2014-05-06 American Express Travel Related Services Company, Inc. Systems and methods for enhanced authorization fraud mitigation
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US9626664B2 (en) 2012-03-07 2017-04-18 Clearxchange, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US9521551B2 (en) 2012-03-22 2016-12-13 The 41St Parameter, Inc. Methods and systems for persistent cross-application mobile device identification
US8249893B1 (en) 2012-04-05 2012-08-21 Stoneeagle Services, Inc. Automated service provider payment method
US20130282562A1 (en) * 2012-04-23 2013-10-24 Erika Gallo Systems and methods for preventing fraudulent purchases
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US8332238B1 (en) 2012-05-30 2012-12-11 Stoneeagle Services, Inc. Integrated payment and explanation of benefits presentation method for healthcare providers
US10068295B1 (en) 2012-05-30 2018-09-04 Vpay, Inc. Merchant portal system with explanation of benefits
US9070124B2 (en) * 2012-05-31 2015-06-30 Ncr Corporation Self-service check cashing system and method
WO2013188585A1 (en) * 2012-06-13 2013-12-19 Wenwen Wu Methods and systems for processing check cashing requests
ITBA20120045A1 (en) * 2012-07-05 2014-01-06 Sebastiano Lattanzio MACHINE FOR THE PRINTING OF BANK CHECKS AND BOOKS WITH PRINTED SECURITY CHECKS PRINTED IN THE CODE LINE
US11468410B2 (en) 2012-07-11 2022-10-11 Viewpost, Llc. Universal payment module and system
US10607236B2 (en) 2012-07-11 2020-03-31 Viewpost, Llc Universal system for enabling dynamically discounted buyer-vendor payments
US8762271B2 (en) * 2012-07-11 2014-06-24 Viewpost, Llc Universal payment module and system
WO2014022813A1 (en) * 2012-08-02 2014-02-06 The 41St Parameter, Inc. Systems and methods for accessing records via derivative locators
US20140040141A1 (en) * 2012-08-02 2014-02-06 Bank Of America Corporation Use of check-face meta-data for enhanced transaction processing
US9798768B2 (en) 2012-09-10 2017-10-24 Palantir Technologies, Inc. Search around visual queries
US8630953B1 (en) * 2012-09-14 2014-01-14 Mastercard International Incorporated Methods and systems for creating a transaction lifecycle for a payment card transaction
US10650385B1 (en) 2012-10-08 2020-05-12 Viewpost, Llc System and method for remote check assurance
US9081975B2 (en) 2012-10-22 2015-07-14 Palantir Technologies, Inc. Sharing information between nexuses that use different classification schemes for information access control
US9348677B2 (en) 2012-10-22 2016-05-24 Palantir Technologies Inc. System and method for batch evaluation programs
WO2014071261A1 (en) * 2012-11-01 2014-05-08 Double Check Solutions, Llc Financial alert management system
US9501761B2 (en) 2012-11-05 2016-11-22 Palantir Technologies, Inc. System and method for sharing investigation results
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
WO2014078569A1 (en) 2012-11-14 2014-05-22 The 41St Parameter, Inc. Systems and methods of global identification
US8856894B1 (en) 2012-11-28 2014-10-07 Consumerinfo.Com, Inc. Always on authentication
US9916621B1 (en) 2012-11-30 2018-03-13 Consumerinfo.Com, Inc. Presentation of credit score factors
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US10552810B1 (en) 2012-12-19 2020-02-04 United Services Automobile Association (Usaa) System and method for remote deposit of financial instruments
US9501507B1 (en) 2012-12-27 2016-11-22 Palantir Technologies Inc. Geo-temporal indexing and searching
US10140664B2 (en) * 2013-03-14 2018-11-27 Palantir Technologies Inc. Resolving similar entities from a transaction database
US9406085B1 (en) 2013-03-14 2016-08-02 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US8868486B2 (en) 2013-03-15 2014-10-21 Palantir Technologies Inc. Time-sensitive cube
US8924388B2 (en) 2013-03-15 2014-12-30 Palantir Technologies Inc. Computer-implemented systems and methods for comparing and associating objects
US8909656B2 (en) 2013-03-15 2014-12-09 Palantir Technologies Inc. Filter chains with associated multipath views for exploring large data sets
US10275778B1 (en) 2013-03-15 2019-04-30 Palantir Technologies Inc. Systems and user interfaces for dynamic and interactive investigation based on automatic malfeasance clustering of related data in various data structures
US20140279323A1 (en) * 2013-03-15 2014-09-18 Mitek Systems, Inc. Systems and methods for capturing critical fields from a mobile image of a credit card bill
US9536139B2 (en) 2013-03-15 2017-01-03 Mitek Systems, Inc. Systems and methods for assessing standards for mobile image quality
US8903717B2 (en) 2013-03-15 2014-12-02 Palantir Technologies Inc. Method and system for generating a parser and parsing complex data
US10685398B1 (en) 2013-04-23 2020-06-16 Consumerinfo.Com, Inc. Presenting credit score information
US8799799B1 (en) 2013-05-07 2014-08-05 Palantir Technologies Inc. Interactive geospatial map
US10313532B2 (en) 2013-06-13 2019-06-04 Kajeet, Inc. Platform for enabling users to sign up for sponsored functions on computing devices
US10757267B2 (en) 2013-06-13 2020-08-25 Kajeet, Inc. Platform for enabling sponsors to sponsor functions of a computing device
US8886601B1 (en) 2013-06-20 2014-11-11 Palantir Technologies, Inc. System and method for incrementally replicating investigative analysis data
US10229414B2 (en) * 2013-06-25 2019-03-12 Square, Inc. Mirroring a storefront to a social media site
US8601326B1 (en) 2013-07-05 2013-12-03 Palantir Technologies, Inc. Data quality monitors
US20150012432A1 (en) * 2013-07-08 2015-01-08 Mastercard International Incorporated Systems and methods for managing personal records associated with payment transactions
US9565152B2 (en) 2013-08-08 2017-02-07 Palantir Technologies Inc. Cable reader labeling
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US10902327B1 (en) 2013-08-30 2021-01-26 The 41St Parameter, Inc. System and method for device identification and uniqueness
US11138578B1 (en) 2013-09-09 2021-10-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of currency
US9832646B2 (en) * 2013-09-13 2017-11-28 Network Kinetix, LLC System and method for an automated system for continuous observation, audit and control of user activities as they occur within a mobile network
US11250502B2 (en) * 2013-09-27 2022-02-15 Insperity Services, L.P. Method, apparatus and system for automatically generating a report
US10515368B1 (en) 2013-10-01 2019-12-24 Wells Fargo Bank, N.A. Interbank account verification and funds transfer system and method
US8938686B1 (en) 2013-10-03 2015-01-20 Palantir Technologies Inc. Systems and methods for analyzing performance of an entity
US9286514B1 (en) 2013-10-17 2016-03-15 United Services Automobile Association (Usaa) Character count determination for a digital image
US9116975B2 (en) 2013-10-18 2015-08-25 Palantir Technologies Inc. Systems and user interfaces for dynamic and interactive simultaneous querying of multiple data stores
US9317745B2 (en) 2013-10-29 2016-04-19 Bank Of America Corporation Data lifting for exception processing
US9412135B2 (en) * 2013-10-29 2016-08-09 Bank Of America Corporation Check data lift for online accounts
US8886570B1 (en) 2013-10-29 2014-11-11 Quisk, Inc. Hacker-resistant balance monitoring
US9384393B2 (en) 2013-10-29 2016-07-05 Bank Of America Corporation Check data lift for error detection
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US9477737B1 (en) 2013-11-20 2016-10-25 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US9105000B1 (en) 2013-12-10 2015-08-11 Palantir Technologies Inc. Aggregating data from a plurality of data sources
US9727622B2 (en) 2013-12-16 2017-08-08 Palantir Technologies, Inc. Methods and systems for analyzing entity performance
US10579647B1 (en) 2013-12-16 2020-03-03 Palantir Technologies Inc. Methods and systems for analyzing entity performance
US10356032B2 (en) 2013-12-26 2019-07-16 Palantir Technologies Inc. System and method for detecting confidential information emails
US8935201B1 (en) 2014-03-18 2015-01-13 Palantir Technologies Inc. Determining and extracting changed data from a data source
US9836580B2 (en) 2014-03-21 2017-12-05 Palantir Technologies Inc. Provider portal
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US9830586B2 (en) * 2014-03-31 2017-11-28 Ncr Corporation Electronic payments
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11615401B1 (en) 2014-04-30 2023-03-28 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US9619557B2 (en) 2014-06-30 2017-04-11 Palantir Technologies, Inc. Systems and methods for key phrase characterization of documents
US9535974B1 (en) 2014-06-30 2017-01-03 Palantir Technologies Inc. Systems and methods for identifying key phrase clusters within documents
US9129219B1 (en) 2014-06-30 2015-09-08 Palantir Technologies, Inc. Crime risk forecasting
US9256664B2 (en) 2014-07-03 2016-02-09 Palantir Technologies Inc. System and method for news events detection and visualization
US20160026923A1 (en) 2014-07-22 2016-01-28 Palantir Technologies Inc. System and method for determining a propensity of entity to take a specified action
US9454281B2 (en) 2014-09-03 2016-09-27 Palantir Technologies Inc. System for providing dynamic linked panels in user interface
WO2016036332A1 (en) * 2014-09-05 2016-03-10 Kkb-Kredi Kayit Burosu Anonim Şirketi Management system for payment by cheque and a method thereof
US9390086B2 (en) 2014-09-11 2016-07-12 Palantir Technologies Inc. Classification system with methodology for efficient verification
US9149552B1 (en) 2014-09-29 2015-10-06 Enviroscent, Inc. Coating providing modulated release of volatile compositions
US9501851B2 (en) 2014-10-03 2016-11-22 Palantir Technologies Inc. Time-series analysis system
US9767172B2 (en) 2014-10-03 2017-09-19 Palantir Technologies Inc. Data aggregation and analysis system
US9785328B2 (en) 2014-10-06 2017-10-10 Palantir Technologies Inc. Presentation of multivariate data on a graphical user interface of a computing system
US10091312B1 (en) 2014-10-14 2018-10-02 The 41St Parameter, Inc. Data structures for intelligently resolving deterministic and probabilistic device identifiers to device profiles and/or groups
US9984133B2 (en) 2014-10-16 2018-05-29 Palantir Technologies Inc. Schematic and database linking system
US10402737B1 (en) * 2014-10-22 2019-09-03 Amdocs Development Limited System, method, and computer program for providing proactive customer care for issues associated with setting up the billing process as part of the ordering process
US9229952B1 (en) 2014-11-05 2016-01-05 Palantir Technologies, Inc. History preserving data pipeline system and method
US9875468B2 (en) 2014-11-26 2018-01-23 Buy It Mobility Networks Inc. Intelligent authentication process
US9430507B2 (en) 2014-12-08 2016-08-30 Palantir Technologies, Inc. Distributed acoustic sensing data analysis system
US9483546B2 (en) 2014-12-15 2016-11-01 Palantir Technologies Inc. System and method for associating related records to common entities across multiple lists
US10552994B2 (en) 2014-12-22 2020-02-04 Palantir Technologies Inc. Systems and interactive user interfaces for dynamic retrieval, analysis, and triage of data items
US10362133B1 (en) 2014-12-22 2019-07-23 Palantir Technologies Inc. Communication data processing architecture
US9348920B1 (en) 2014-12-22 2016-05-24 Palantir Technologies Inc. Concept indexing among database of documents using machine learning techniques
US20160180302A1 (en) * 2014-12-22 2016-06-23 Drew N. Bagot, JR. System and method for processing multiple recurring payments
US9335911B1 (en) 2014-12-29 2016-05-10 Palantir Technologies Inc. Interactive user interface for dynamic data analysis exploration and query processing
US9817563B1 (en) 2014-12-29 2017-11-14 Palantir Technologies Inc. System and method of generating data points from one or more data stores of data items for chart creation and manipulation
US11302426B1 (en) 2015-01-02 2022-04-12 Palantir Technologies Inc. Unified data interface and system
US20170109700A1 (en) * 2015-02-09 2017-04-20 Hitachi, Ltd. Business collaboration system and business collaboration method
US11068866B1 (en) 2015-02-17 2021-07-20 Wells Fargo Bank, N.A. Real-time interbank transactions systems and methods
US10803106B1 (en) 2015-02-24 2020-10-13 Palantir Technologies Inc. System with methodology for dynamic modular ontology
US9727560B2 (en) 2015-02-25 2017-08-08 Palantir Technologies Inc. Systems and methods for organizing and identifying documents via hierarchies and dimensions of tags
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
EP3070622A1 (en) 2015-03-16 2016-09-21 Palantir Technologies, Inc. Interactive user interfaces for location-based data analysis
US9886467B2 (en) 2015-03-19 2018-02-06 Plantir Technologies Inc. System and method for comparing and visualizing data entities and data entity series
US9305228B1 (en) 2015-03-20 2016-04-05 Bank Of America Corporation Processing damaged items using image data lift
US10832246B2 (en) * 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) * 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10748127B2 (en) * 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US10769606B2 (en) * 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) * 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US9348880B1 (en) 2015-04-01 2016-05-24 Palantir Technologies, Inc. Federated search of multiple sources with conflict resolution
US10103953B1 (en) 2015-05-12 2018-10-16 Palantir Technologies Inc. Methods and systems for analyzing entity performance
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
WO2016201089A1 (en) 2015-06-09 2016-12-15 Enviroscent, Inc. Formed three-dimensional matrix and associated coating providing modulated release of volatile compositions
US10628834B1 (en) 2015-06-16 2020-04-21 Palantir Technologies Inc. Fraud lead detection system for efficiently processing database-stored data and automatically generating natural language explanatory information of system results for display in interactive user interfaces
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US9418337B1 (en) 2015-07-21 2016-08-16 Palantir Technologies Inc. Systems and models for data analytics
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US9392008B1 (en) 2015-07-23 2016-07-12 Palantir Technologies Inc. Systems and methods for identifying information related to payment card breaches
US9996595B2 (en) 2015-08-03 2018-06-12 Palantir Technologies, Inc. Providing full data provenance visualization for versioned datasets
US9600146B2 (en) 2015-08-17 2017-03-21 Palantir Technologies Inc. Interactive geospatial map
US10127289B2 (en) 2015-08-19 2018-11-13 Palantir Technologies Inc. Systems and methods for automatic clustering and canonical designation of related data in various data structures
US9671776B1 (en) 2015-08-20 2017-06-06 Palantir Technologies Inc. Quantifying, tracking, and anticipating risk at a manufacturing facility, taking deviation type and staffing conditions into account
US11150917B2 (en) 2015-08-26 2021-10-19 Palantir Technologies Inc. System for data aggregation and analysis of data from a plurality of data sources
US9485265B1 (en) 2015-08-28 2016-11-01 Palantir Technologies Inc. Malicious activity detection system capable of efficiently processing data accessed from databases and generating alerts for display in interactive user interfaces
US10706434B1 (en) 2015-09-01 2020-07-07 Palantir Technologies Inc. Methods and systems for determining location information
US9984428B2 (en) 2015-09-04 2018-05-29 Palantir Technologies Inc. Systems and methods for structuring data from unstructured electronic data files
US9639580B1 (en) 2015-09-04 2017-05-02 Palantir Technologies, Inc. Computer-implemented systems and methods for data management and visualization
US9576015B1 (en) 2015-09-09 2017-02-21 Palantir Technologies, Inc. Domain-specific language for dataset transformations
US10289985B2 (en) * 2015-09-15 2019-05-14 Eft Network, Inc. Methods of constructing a paper check
US9424669B1 (en) 2015-10-21 2016-08-23 Palantir Technologies Inc. Generating graphical representations of event participation flow
US10223429B2 (en) 2015-12-01 2019-03-05 Palantir Technologies Inc. Entity data attribution using disparate data sets
US10706056B1 (en) 2015-12-02 2020-07-07 Palantir Technologies Inc. Audit log report generator
US9514414B1 (en) 2015-12-11 2016-12-06 Palantir Technologies Inc. Systems and methods for identifying and categorizing electronic documents through machine learning
US9760556B1 (en) 2015-12-11 2017-09-12 Palantir Technologies Inc. Systems and methods for annotating and linking electronic documents
US10114884B1 (en) 2015-12-16 2018-10-30 Palantir Technologies Inc. Systems and methods for attribute analysis of one or more databases
US9542446B1 (en) 2015-12-17 2017-01-10 Palantir Technologies, Inc. Automatic generation of composite datasets based on hierarchical fields
US10373099B1 (en) 2015-12-18 2019-08-06 Palantir Technologies Inc. Misalignment detection system for efficiently processing database-stored data and automatically generating misalignment information for display in interactive user interfaces
US9996236B1 (en) 2015-12-29 2018-06-12 Palantir Technologies Inc. Simplified frontend processing and visualization of large datasets
US10871878B1 (en) 2015-12-29 2020-12-22 Palantir Technologies Inc. System log analysis and object user interaction correlation system
US10089289B2 (en) 2015-12-29 2018-10-02 Palantir Technologies Inc. Real-time document annotation
US9792020B1 (en) 2015-12-30 2017-10-17 Palantir Technologies Inc. Systems for collecting, aggregating, and storing data, generating interactive user interfaces for analyzing data, and generating alerts based upon collected data
CN115719224A (en) * 2016-01-25 2023-02-28 创新先进技术有限公司 Credit payment method and device based on mobile terminal card simulation
CN106997527A (en) * 2016-01-25 2017-08-01 阿里巴巴集团控股有限公司 Credit payment method and device based on mobile terminal P2P
US10248722B2 (en) 2016-02-22 2019-04-02 Palantir Technologies Inc. Multi-language support for dynamic ontology
US10698938B2 (en) 2016-03-18 2020-06-30 Palantir Technologies Inc. Systems and methods for organizing and identifying documents via hierarchies and dimensions of tags
US9652139B1 (en) 2016-04-06 2017-05-16 Palantir Technologies Inc. Graphical representation of an output
US10068199B1 (en) 2016-05-13 2018-09-04 Palantir Technologies Inc. System to catalogue tracking data
US10007674B2 (en) 2016-06-13 2018-06-26 Palantir Technologies Inc. Data revision control in large-scale data analytic systems
US10545975B1 (en) 2016-06-22 2020-01-28 Palantir Technologies Inc. Visual analysis of data using sequenced dataset reduction
US10909130B1 (en) 2016-07-01 2021-02-02 Palantir Technologies Inc. Graphical user interface for a database system
US10324609B2 (en) 2016-07-21 2019-06-18 Palantir Technologies Inc. System for providing dynamic linked panels in user interface
US10719188B2 (en) 2016-07-21 2020-07-21 Palantir Technologies Inc. Cached database and synchronization system for providing dynamic linked panels in user interface
US11106692B1 (en) 2016-08-04 2021-08-31 Palantir Technologies Inc. Data record resolution and correlation system
CN107025543A (en) * 2016-09-19 2017-08-08 阿里巴巴集团控股有限公司 The checking method and device of resource circulation
US11151566B2 (en) 2016-09-19 2021-10-19 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US10552002B1 (en) 2016-09-27 2020-02-04 Palantir Technologies Inc. User interface based variable machine modeling
US20180108019A1 (en) * 2016-10-15 2018-04-19 Systems Imagination, Inc. Secure Encryption Using Genomic Information
US10133588B1 (en) 2016-10-20 2018-11-20 Palantir Technologies Inc. Transforming instructions for collaborative updates
US10726507B1 (en) 2016-11-11 2020-07-28 Palantir Technologies Inc. Graphical representation of a complex task
US9842338B1 (en) 2016-11-21 2017-12-12 Palantir Technologies Inc. System to identify vulnerable card readers
US10318630B1 (en) 2016-11-21 2019-06-11 Palantir Technologies Inc. Analysis of large bodies of textual data
US11250425B1 (en) 2016-11-30 2022-02-15 Palantir Technologies Inc. Generating a statistic using electronic transaction data
US9886525B1 (en) 2016-12-16 2018-02-06 Palantir Technologies Inc. Data item aggregate probability analysis system
GB201621434D0 (en) 2016-12-16 2017-02-01 Palantir Technologies Inc Processing sensor logs
US10044836B2 (en) 2016-12-19 2018-08-07 Palantir Technologies Inc. Conducting investigations under limited connectivity
US10249033B1 (en) 2016-12-20 2019-04-02 Palantir Technologies Inc. User interface for managing defects
US10728262B1 (en) 2016-12-21 2020-07-28 Palantir Technologies Inc. Context-aware network-based malicious activity warning systems
US10360238B1 (en) 2016-12-22 2019-07-23 Palantir Technologies Inc. Database systems and user interfaces for interactive data association, analysis, and presentation
US11373752B2 (en) 2016-12-22 2022-06-28 Palantir Technologies Inc. Detection of misuse of a benefit system
US10721262B2 (en) 2016-12-28 2020-07-21 Palantir Technologies Inc. Resource-centric network cyber attack warning system
US10216811B1 (en) 2017-01-05 2019-02-26 Palantir Technologies Inc. Collaborating using different object models
US10762471B1 (en) 2017-01-09 2020-09-01 Palantir Technologies Inc. Automating management of integrated workflows based on disparate subsidiary data sources
US10133621B1 (en) 2017-01-18 2018-11-20 Palantir Technologies Inc. Data analysis system to facilitate investigative process
US10509844B1 (en) 2017-01-19 2019-12-17 Palantir Technologies Inc. Network graph parser
US10515109B2 (en) 2017-02-15 2019-12-24 Palantir Technologies Inc. Real-time auditing of industrial equipment condition
US10866936B1 (en) 2017-03-29 2020-12-15 Palantir Technologies Inc. Model object management and storage system
US10581954B2 (en) 2017-03-29 2020-03-03 Palantir Technologies Inc. Metric collection and aggregation for distributed software services
US10133783B2 (en) 2017-04-11 2018-11-20 Palantir Technologies Inc. Systems and methods for constraint driven database searching
US11074277B1 (en) 2017-05-01 2021-07-27 Palantir Technologies Inc. Secure resolution of canonical entities
US10563990B1 (en) 2017-05-09 2020-02-18 Palantir Technologies Inc. Event-based route planning
US20200065780A1 (en) * 2017-05-11 2020-02-27 Gaurav Sharma SafePay Process
US10606872B1 (en) 2017-05-22 2020-03-31 Palantir Technologies Inc. Graphical user interface for a database system
US10795749B1 (en) 2017-05-31 2020-10-06 Palantir Technologies Inc. Systems and methods for providing fault analysis user interface
US10956406B2 (en) 2017-06-12 2021-03-23 Palantir Technologies Inc. Propagated deletion of database records and derived data
US11216762B1 (en) 2017-07-13 2022-01-04 Palantir Technologies Inc. Automated risk visualization using customer-centric data analysis
US10942947B2 (en) 2017-07-17 2021-03-09 Palantir Technologies Inc. Systems and methods for determining relationships between datasets
US10430444B1 (en) 2017-07-24 2019-10-01 Palantir Technologies Inc. Interactive geospatial map and geospatial visualization systems
US11144894B2 (en) * 2017-09-28 2021-10-12 DineGigs Inc. Multi-level network-based access coordination
US10657529B2 (en) * 2017-10-03 2020-05-19 The Toronto-Dominion Bank System and method for clearing point-of-sale terminal pre-authorizations
US10454993B2 (en) * 2017-10-11 2019-10-22 Bank Of America Corporation Smart resource instrument authorization
US10621327B2 (en) 2017-10-11 2020-04-14 Bank Of America Corporation Smart resource instruments and devices
US10956508B2 (en) 2017-11-10 2021-03-23 Palantir Technologies Inc. Systems and methods for creating and managing a data integration workspace containing automatically updated data models
US10235533B1 (en) 2017-12-01 2019-03-19 Palantir Technologies Inc. Multi-user access controls in electronic simultaneously editable document editor
US10769171B1 (en) 2017-12-07 2020-09-08 Palantir Technologies Inc. Relationship analysis and mapping for interrelated multi-layered datasets
US10783162B1 (en) 2017-12-07 2020-09-22 Palantir Technologies Inc. Workflow assistant
US11314721B1 (en) 2017-12-07 2022-04-26 Palantir Technologies Inc. User-interactive defect analysis for root cause
US10877984B1 (en) 2017-12-07 2020-12-29 Palantir Technologies Inc. Systems and methods for filtering and visualizing large scale datasets
US11061874B1 (en) 2017-12-14 2021-07-13 Palantir Technologies Inc. Systems and methods for resolving entity data across various data structures
US10838987B1 (en) 2017-12-20 2020-11-17 Palantir Technologies Inc. Adaptive and transparent entity screening
US10831708B2 (en) * 2017-12-20 2020-11-10 Mastercard International Incorporated Systems and methods for improved processing of a data file
US10853352B1 (en) 2017-12-21 2020-12-01 Palantir Technologies Inc. Structured data collection, presentation, validation and workflow management
US11263382B1 (en) 2017-12-22 2022-03-01 Palantir Technologies Inc. Data normalization and irregularity detection system
GB201800595D0 (en) 2018-01-15 2018-02-28 Palantir Technologies Inc Management of software bugs in a data processing system
CN108154352A (en) * 2018-02-06 2018-06-12 中国银行股份有限公司 Service parameter inspection method and device
US11599369B1 (en) 2018-03-08 2023-03-07 Palantir Technologies Inc. Graphical user interface configuration system
US10877654B1 (en) 2018-04-03 2020-12-29 Palantir Technologies Inc. Graphical user interfaces for optimizations
US10754822B1 (en) 2018-04-18 2020-08-25 Palantir Technologies Inc. Systems and methods for ontology migration
US11030752B1 (en) 2018-04-27 2021-06-08 United Services Automobile Association (Usaa) System, computing device, and method for document detection
US10885021B1 (en) 2018-05-02 2021-01-05 Palantir Technologies Inc. Interactive interpreter and graphical user interface
US10754946B1 (en) 2018-05-08 2020-08-25 Palantir Technologies Inc. Systems and methods for implementing a machine learning approach to modeling entity behavior
US11061542B1 (en) 2018-06-01 2021-07-13 Palantir Technologies Inc. Systems and methods for determining and displaying optimal associations of data items
US10795909B1 (en) 2018-06-14 2020-10-06 Palantir Technologies Inc. Minimized and collapsed resource dependency path
US11119630B1 (en) 2018-06-19 2021-09-14 Palantir Technologies Inc. Artificial intelligence assisted evaluations and user interface for same
US20200074541A1 (en) 2018-09-05 2020-03-05 Consumerinfo.Com, Inc. Generation of data structures based on categories of matched data items
KR20200034020A (en) 2018-09-12 2020-03-31 삼성전자주식회사 Electronic apparatus and control method thereof
US11126638B1 (en) 2018-09-13 2021-09-21 Palantir Technologies Inc. Data visualization and parsing system
US11294928B1 (en) 2018-10-12 2022-04-05 Palantir Technologies Inc. System architecture for relating and linking data objects
US11315179B1 (en) 2018-11-16 2022-04-26 Consumerinfo.Com, Inc. Methods and apparatuses for customized card recommendations
GB2595130A (en) * 2019-01-08 2021-11-17 Sivam Rajoo Cheque clearing system and method
US11019225B2 (en) * 2019-01-17 2021-05-25 Bank Of America Corporation Dynamic image capture device control system
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US11756147B1 (en) * 2019-03-27 2023-09-12 United Services Automobile Association (Usaa) Systems and methods for verifying the authenticity of documents
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
CN110677418B (en) * 2019-09-29 2021-11-19 四川虹微技术有限公司 Trusted voiceprint authentication method and device, electronic equipment and storage medium
US11423368B2 (en) 2019-10-25 2022-08-23 Brex Inc. Code generation and tracking for automatic data synchronization in a data management system
BR112022007726A2 (en) * 2019-10-25 2022-07-12 Brex Inc CODE GENERATION AND TRACKING FOR AUTOMATIC DATA SYNCHRONIZATION IN A DATA MANAGEMENT SYSTEM
US11593765B2 (en) 2019-10-25 2023-02-28 Brex Inc. Application data integration for automatic data categorizations
US20210319415A1 (en) * 2020-04-10 2021-10-14 Ivan Zadorozhny Two-in-one process for payments and electronic data
US11900336B2 (en) * 2020-05-05 2024-02-13 Capital One Services, Llc Computer-based systems configured for automated activity verification based on optical character recognition models and methods of use thereof
US11900755B1 (en) 2020-11-30 2024-02-13 United Services Automobile Association (Usaa) System, computing device, and method for document detection and deposit processing
US20220270058A1 (en) * 2021-02-23 2022-08-25 Bank Of America Corporation Dynamic Unauthorized Activity Detection
US11144917B1 (en) 2021-02-26 2021-10-12 Double Check Solutions, Llc Alert management system with real-time remediation and integration with the exception originating system
TWI804934B (en) * 2021-07-28 2023-06-11 兆豐國際商業銀行股份有限公司 Off-site dishonored bill system
US11687935B1 (en) 2022-04-06 2023-06-27 Capital One Services, Llc Systems and methods for validating an instrument
US11935063B1 (en) 2022-07-08 2024-03-19 Double Check Solutions, Inc. Fraud alert management system with real-time remediation and integration with the originating system
US11615420B1 (en) 2022-07-08 2023-03-28 Double Check Solutions, Inc. Alert management system with real-time remediation and integration with the overdraft allowance originating system
CN116777447B (en) * 2023-08-25 2023-11-14 国网山东省电力公司滨州市滨城区供电公司 Quick fee refund method, system, terminal and storage medium
CN117633753B (en) * 2024-01-25 2024-03-29 深圳市领德创科技有限公司 Operating system and method based on solid state disk array

Family Cites Families (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4109238A (en) 1975-10-06 1978-08-22 1St Natl. Bank Of Atlanta Apparatus for verifying checks presented for acceptance
US4727243A (en) * 1984-10-24 1988-02-23 Telenet Communications Corporation Financial transaction system
US4823264A (en) * 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
US5093787A (en) * 1986-06-12 1992-03-03 Simmons John C Electronic checkbook with automatic reconciliation
US5040226A (en) * 1988-05-31 1991-08-13 Trw Financial Systems, Inc. Courtesy amount read and transaction balancing system
US5265007A (en) * 1988-06-07 1993-11-23 Huntington Bancshares Incorporated Central check clearing system
US5237620A (en) * 1989-05-01 1993-08-17 Credit Verification Corporation Check reader method and system for reading check MICR code
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5691524A (en) * 1991-07-17 1997-11-25 J.D. Carreker And Associates, Inc. Electronic check presentment system having a non-ECP exceptions notification system incorporated therein
US5783808A (en) * 1996-01-11 1998-07-21 J. D. Carreker And Associates, Inc. Electronic check presentment system having transaction level reconciliation capability
JP3160029B2 (en) * 1991-07-24 2001-04-23 三菱電機株式会社 Associative memory method, pattern conversion method and apparatus
US5491325A (en) * 1992-08-25 1996-02-13 Huang; Dorge O. Method and system for payment and payment verification
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US6571219B1 (en) * 1994-03-15 2003-05-27 Intrepid Group, Inc. Computer-implemented process and mechanism for implementing an employee stock ownership plan
FR2722316B1 (en) * 1994-07-07 1996-09-06 Solaic Sa DEVICE AND METHOD FOR MONITORING AND PROCESSING BANK CHECKS
US5717868A (en) * 1995-03-07 1998-02-10 Huntington Bancshares Inc. Electronic payment interchange concentrator
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5819236A (en) * 1995-06-12 1998-10-06 Carreker-Antinori, Inc. System and method for providing advance notification of potential presentment returns due to account restrictions
US5870725A (en) * 1995-08-11 1999-02-09 Wachovia Corporation High volume financial image media creation and display system and method
US6003763A (en) * 1995-12-29 1999-12-21 Visa International Service Method and apparatus for recording magnetic information on traveler's checks
US6301379B1 (en) * 1996-01-17 2001-10-09 Carreker-Antinori, Inc. Electronic check presentment systems and methods employing volatile memory datastore access techniques
CA2250683A1 (en) * 1996-03-28 1997-10-02 Electronic Data Systems Corporation Automated system and method for positive check authorization
US5801366A (en) 1996-03-28 1998-09-01 Electronic Data Systems Corporation Automated system and method for point-of-sale (POS) check processing
US6026379A (en) * 1996-06-17 2000-02-15 Verifone, Inc. System, method and article of manufacture for managing transactions in a high availability system
US5848400A (en) * 1996-07-01 1998-12-08 Sun Microsystems, Inc. Electronic check exchange, clearing and settlement system
IL120672A (en) * 1997-04-15 2000-06-29 Nush Marketing Man And Consult System for transaction over communication network
US5974146A (en) * 1997-07-30 1999-10-26 Huntington Bancshares Incorporated Real time bank-centric universal payment system
US20020002675A1 (en) * 1997-08-06 2002-01-03 Ronald Roscoe Bush Secure encryption of data packets for transmission over unsecured networks
US5896298A (en) * 1997-08-08 1999-04-20 Carreker-Antinori, Inc. System and method for providing central notification of issued items
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
US6213391B1 (en) * 1997-09-10 2001-04-10 William H. Lewis Portable system for personal identification based upon distinctive characteristics of the user
US6098053A (en) * 1998-01-28 2000-08-01 Citibank, N.A. System and method for performing an electronic financial transaction
US6189785B1 (en) * 1998-04-14 2001-02-20 International Check Services Demand deposit account data processing system
US6173272B1 (en) * 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
US6036344A (en) 1998-06-10 2000-03-14 Goldenberg; David Milton Secure check processing system and method
US6647376B1 (en) * 1998-10-09 2003-11-11 Henry C. Farrar System and method for point-of-sale check authorization
US6464134B1 (en) * 1999-12-10 2002-10-15 Terri Page System and method for verifying the authenticity of a check and authorizing payment thereof
US6611881B1 (en) * 2000-03-15 2003-08-26 Personal Data Network Corporation Method and system of providing credit card user with barcode purchase data and recommendation automatically on their personal computer
US7970706B2 (en) * 2000-03-17 2011-06-28 Jpmorgan Chase Bank, N.A. System and method for check exception item notification
US7216106B1 (en) * 2000-04-28 2007-05-08 Netdeposit, Inc. Method and system for processing financial instrument deposits physically remote from a financial institution

Also Published As

Publication number Publication date
US20110087598A1 (en) 2011-04-14
WO2002046858A2 (en) 2002-06-13
AU2002241470A1 (en) 2002-06-18
US6754640B2 (en) 2004-06-22
WO2002046858A3 (en) 2003-03-20
US8768840B2 (en) 2014-07-01
US20130117183A1 (en) 2013-05-09
US20040236688A1 (en) 2004-11-25
US20020052852A1 (en) 2002-05-02
US20150332272A1 (en) 2015-11-19
US20170185972A1 (en) 2017-06-29
CA2463657C (en) 2008-10-21

Similar Documents

Publication Publication Date Title
CA2463657A1 (en) Universal positive pay match, authentication, authorization, settlement and clearing system
US7565329B2 (en) Biometric financial transaction system and method
US6164528A (en) Check writing point of sale system
US6047269A (en) Self-contained payment system with circulating digital vouchers
US20040104268A1 (en) Plug in credit card reader module for wireless cellular phone verifications
US20030018532A1 (en) Method and device for conducting mobile commerce
EP1378845A3 (en) Medium storing money information
WO2000030044A3 (en) Electronic payment system utilizing intermediary account
NZ302548A (en) Communication between pos terminal and host via an application processing front end logical module
WO2002067172A1 (en) System for effecting orders for payment with identification by means of card data and fingerprint
EP0907154A3 (en) Electronic purse system having a double-structured purse, ic card applicable to the electronic purse system, ic card transaction apparatus having a double-structured purse, ic card transaction system having a double-structured purse, and ic card applicable to the ic card system
TWI235934B (en) Secure electronic commerce system
EP1205895A2 (en) Integrated cash register
WO2002005077A3 (en) Method and system for using biometric sample to electronically access accounts and authorize transactions
WO1998021692A1 (en) Refundable travellers cheques
WO1998021692A9 (en) Refundable travellers cheques
JP2713237B2 (en) On the day membership phone voting system
WO2002071354A3 (en) System and method for facilitating an m-commerce transaction
JP2003006549A (en) Cash payment system and method by using portable telephone loaded with fingerprint authentication device
WO2004109462A3 (en) System and method for fleet card management
JPH0412501B2 (en)
TW571263B (en) Mobile payment system and method with security identification of biometric identity
EP1168807A3 (en) Public telephone with cash payment function
US20020068607A1 (en) Wireless telephonically accessed computer services and system
CN2508475Y (en) Radio local area network type finance system device

Legal Events

Date Code Title Description
EEER Examination request
MKLA Lapsed

Effective date: 20181029

MKLA Lapsed

Effective date: 20181029