WO2000067219A8 - Method and system for processing internet payments using the electronic funds transfer network - Google Patents

Method and system for processing internet payments using the electronic funds transfer network

Info

Publication number
WO2000067219A8
WO2000067219A8 PCT/US2000/012047 US0012047W WO0067219A8 WO 2000067219 A8 WO2000067219 A8 WO 2000067219A8 US 0012047 W US0012047 W US 0012047W WO 0067219 A8 WO0067219 A8 WO 0067219A8
Authority
WO
WIPO (PCT)
Prior art keywords
account
vpl
ipa
eft
ppp
Prior art date
Application number
PCT/US2000/012047
Other languages
French (fr)
Other versions
WO2000067219A1 (en
Inventor
Denis O'leary
Agostino Vincent D
S Richard Re
Jessica Burney
Adam Hoffman
Original Assignee
Chase Manhattan Bank Nat Ass
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Chase Manhattan Bank Nat Ass filed Critical Chase Manhattan Bank Nat Ass
Priority to JP2000615983A priority Critical patent/JP2002543541A/en
Priority to BR0011231-3A priority patent/BR0011231A/en
Priority to AU49820/00A priority patent/AU775916B2/en
Priority to MXPA01010813A priority patent/MXPA01010813A/en
Priority to CA002371734A priority patent/CA2371734C/en
Priority to EP00932035A priority patent/EP1177538A1/en
Publication of WO2000067219A1 publication Critical patent/WO2000067219A1/en
Publication of WO2000067219A8 publication Critical patent/WO2000067219A8/en
Priority to HK02108699.5A priority patent/HK1047813A1/en

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
    • G06Q20/08—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
    • G06Q20/04—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
    • 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
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/08—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
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0222—During e-commerce, i.e. online transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • 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
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconcile accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
PCT/US2000/012047 1999-05-03 2000-05-02 Method and system for processing internet payments using the electronic funds transfer network WO2000067219A1 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
JP2000615983A JP2002543541A (en) 1999-05-03 2000-05-02 Method and system for processing internet payments using an electronic fund transfer network
BR0011231-3A BR0011231A (en) 1999-05-03 2000-05-02 Method and system for processing payments over the internet using the electronic funds transfer network
AU49820/00A AU775916B2 (en) 1999-05-03 2000-05-02 Method and system for processing internet payments using the electronic funds transfer network
MXPA01010813A MXPA01010813A (en) 1999-05-03 2000-05-02 Method and system for processing internet payments using the electronic funds transfer network.
CA002371734A CA2371734C (en) 1999-05-03 2000-05-02 Method and system for processing internet payments using the electronic funds transfer network
EP00932035A EP1177538A1 (en) 1999-05-03 2000-05-02 Method and system for processing internet payments using the electronic funds transfer network
HK02108699.5A HK1047813A1 (en) 1999-05-03 2002-11-29 Method and system for processing internet payments using the electronic funds transfer network

Applications Claiming Priority (12)

Application Number Priority Date Filing Date Title
US13230599P 1999-05-03 1999-05-03
US60/132,305 1999-05-03
US15072599P 1999-08-25 1999-08-25
US60/150,725 1999-08-25
US16130099P 1999-10-22 1999-10-22
US60/161,300 1999-10-22
US16382899P 1999-11-05 1999-11-05
US60/163,828 1999-11-05
US17304499P 1999-12-23 1999-12-23
US60/173,044 1999-12-23
US09/497,307 US6609113B1 (en) 1999-05-03 2000-02-03 Method and system for processing internet payments using the electronic funds transfer network
US09/497,307 2000-02-03

Publications (2)

Publication Number Publication Date
WO2000067219A1 WO2000067219A1 (en) 2000-11-09
WO2000067219A8 true WO2000067219A8 (en) 2001-06-28

Family

ID=27558152

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/012047 WO2000067219A1 (en) 1999-05-03 2000-05-02 Method and system for processing internet payments using the electronic funds transfer network

Country Status (15)

Country Link
US (12) US6609113B1 (en)
EP (1) EP1177538A1 (en)
JP (1) JP2002543541A (en)
CN (1) CN1351738A (en)
AR (1) AR023844A1 (en)
AU (1) AU775916B2 (en)
BR (1) BR0011231A (en)
CA (1) CA2371734C (en)
CO (1) CO5310563A1 (en)
HK (1) HK1047813A1 (en)
JO (1) JO2206B1 (en)
MX (1) MXPA01010813A (en)
PE (1) PE20010145A1 (en)
SG (1) SG123571A1 (en)
WO (1) WO2000067219A1 (en)

Families Citing this family (767)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9418381B2 (en) * 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
US7167892B2 (en) * 1998-03-19 2007-01-23 Isochron, Inc. System, method and apparatus for vending machine wireless audit and cashless transaction transport
US8631093B2 (en) 1998-03-19 2014-01-14 Crane Merchandising Systems, Inc. Remote data acquisition, transmission and analysis system including handheld wireless equipment
US6202056B1 (en) * 1998-04-03 2001-03-13 Audiosoft, Inc. Method for computer network operation providing basis for usage fees
US7051004B2 (en) * 1998-04-03 2006-05-23 Macrovision Corporation System and methods providing secure delivery of licenses and content
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US7809636B1 (en) 1998-11-13 2010-10-05 Jpmorgan Chase Bank, N.A. System and method for multicurrency and multibank processing over a non-secure network
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
CA2291920A1 (en) * 1998-12-11 2000-06-11 Karuna Ganesan Technique for conducting secure transactions over a network
WO2000038095A2 (en) 1998-12-23 2000-06-29 The Chase Manhattan Bank System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US7451114B1 (en) 1999-02-19 2008-11-11 Visa International Service Association Conducting commerce between individuals
US6609113B1 (en) 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US7110978B1 (en) * 1999-05-10 2006-09-19 First Data Corporation Internet-based money order system
US7068832B1 (en) 1999-05-11 2006-06-27 The Chase Manhattan Bank Lockbox imaging system
WO2000070487A1 (en) * 1999-05-14 2000-11-23 Frenkel Marvin A Anonymous on-line cash management system
US20010034705A1 (en) * 1999-05-19 2001-10-25 Rhoads Geoffrey B. Payment-based systems for internet music
US7006993B1 (en) * 1999-05-28 2006-02-28 The Coca-Cola Company Method and apparatus for surrogate control of network-based electronic transactions
US6882984B1 (en) 1999-06-04 2005-04-19 Bank One, Delaware, National Association Credit instrument and system with automated payment of club, merchant, and service provider fees
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
US7720762B1 (en) 2002-10-03 2010-05-18 Gofigure Payments, Llc System and method for electronically processing commercial transactions based upon threshold amount
US7376583B1 (en) 1999-08-10 2008-05-20 Gofigure, L.L.C. Device for making a transaction via a communications link
US8706630B2 (en) 1999-08-19 2014-04-22 E2Interactive, Inc. System and method for securely authorizing and distributing stored-value card data
US7814018B1 (en) * 1999-08-27 2010-10-12 Netspend Corporation Charge number issuing and transaction system and method
US20020095387A1 (en) * 1999-08-27 2002-07-18 Bertrand Sosa Online content portal system
US9430769B2 (en) 1999-10-01 2016-08-30 Cardinalcommerce Corporation Secure and efficient payment processing system
US7742967B1 (en) * 1999-10-01 2010-06-22 Cardinalcommerce Corporation Secure and efficient payment processing system
US7805365B1 (en) 1999-10-25 2010-09-28 Jpmorgan Chase Bank, N.A. Automated statement presentation, adjustment and payment system and method therefor
US8025212B2 (en) 1999-10-26 2011-09-27 The Western Union Company Cash payment for remote transactions
US8494956B2 (en) * 1999-10-26 2013-07-23 The Western Union Company Internet funds transfer system using ATM pickup
AU3438401A (en) 1999-11-04 2001-05-14 Jp Morgan Chase Bank System and method for automated financial project management
US8571975B1 (en) * 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
WO2001039090A1 (en) * 1999-11-26 2001-05-31 Esurance, Inc. Insurance marketing methods
JP2001160108A (en) * 1999-12-03 2001-06-12 Nec Corp System and method for electronic settlement, settling terminal, paying terminal and settlement center
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
WO2002005195A1 (en) 2000-07-11 2002-01-17 First Data Corporation Wide area network person-to-person payment
US7177836B1 (en) * 1999-12-30 2007-02-13 First Data Corporation Method and system for facilitating financial transactions between consumers over the internet
US7376587B1 (en) 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
US7870065B2 (en) * 2000-01-05 2011-01-11 Uniteller Financial Services, Inc. Money-transfer techniques
US6938013B1 (en) * 2000-01-05 2005-08-30 Uniteller Financial Services, Inc. Money-transfer techniques
US7720754B1 (en) * 2000-01-05 2010-05-18 Uniteller Financial Services, Inc. Money-transfer techniques
US8346677B1 (en) * 2000-12-29 2013-01-01 Citicorp Development Center, Inc. Method and system for conducting commerce over a wireless communication network
US8725632B2 (en) * 2000-01-13 2014-05-13 Citicorp Development Center, Inc. Method and system for conducting financial and non-financial transactions using a wireless device
EP1257893A4 (en) * 2000-01-27 2003-05-28 Ronald Johnson System and methods for on-line, real-time inventory display, monitoring and control
JP2001216461A (en) * 2000-02-04 2001-08-10 Just Syst Corp System and method for online article purchase, device and method for online article purchase instruction and online article purchase substitution and recording medium
US6867789B1 (en) 2000-02-15 2005-03-15 Bank One, Delaware, National Association System and method for generating graphical user interfaces
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
US8768836B1 (en) 2000-02-18 2014-07-01 Jpmorgan Chase Bank, N.A. System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image
US6941279B1 (en) 2000-02-23 2005-09-06 Banke One Corporation Mutual fund card method and system
US20030126036A1 (en) * 2000-02-29 2003-07-03 First Data Corporation Online payments
US20030126075A1 (en) * 2001-11-15 2003-07-03 First Data Corporation Online funds transfer method
US7366695B1 (en) 2000-02-29 2008-04-29 First Data Corporation Electronic purchase method and funds transfer system
US8121941B2 (en) * 2000-03-07 2012-02-21 American Express Travel Related Services Company, Inc. System and method for automatic reconciliation of transaction account spend
US7124354B1 (en) * 2000-03-24 2006-10-17 Hewlett-Packard Development Company, L.P. Enterprise application transactions as shared active documents
CA2404481A1 (en) * 2000-03-27 2001-10-04 Steven B. Smith Methods and apparatus for wireless point-of-sale transactions
US8032453B2 (en) * 2000-04-14 2011-10-04 Citicorp Development Center, Inc. Method and system for notifying customers of transaction opportunities
US6929638B2 (en) * 2000-04-19 2005-08-16 Alcon Refractivehorizons, Inc. Eye registration and astigmatism alignment control systems and method
US20020026396A1 (en) * 2000-04-21 2002-02-28 Dent Warren T. System and method facilitating personal electronic financial transactions
US8244635B2 (en) * 2000-04-25 2012-08-14 Yodlee.Com, Inc. System and method for syndicated collection, aggregation and delivery of personal data
US7343339B2 (en) * 2000-05-03 2008-03-11 Shelton E. Harrison, Jr. Electronic bond and guaranty process and business method
US7877766B1 (en) 2000-05-04 2011-01-25 Enreach Technology, Inc. Method and system of providing a non-skippable sub-advertisement stream
US7013337B2 (en) * 2000-05-12 2006-03-14 Isochron, Llc Method and system for the optimal formatting, reduction and compression of DEX/UCS data
US7426530B1 (en) 2000-06-12 2008-09-16 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
US7076445B1 (en) 2000-06-20 2006-07-11 Cartwright Shawn D System and methods for obtaining advantages and transacting the same in a computer gaming environment
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
US20010056399A1 (en) * 2000-06-27 2001-12-27 Eric Saylors Web dependent consumer financing and virtual reselling method
US20030074311A1 (en) * 2001-10-16 2003-04-17 Newattitude Inc. Self-administered automatic payroll deduction
US20050211765A1 (en) * 2000-06-27 2005-09-29 Digital World Access, Inc. Money management network
US7949600B1 (en) * 2000-06-27 2011-05-24 Western Union Financial Services, Inc. Method for facilitating payment of a computerized transaction
US8417628B2 (en) * 2000-06-29 2013-04-09 Jpmorgan Chase Bank, N.A. Electronic bill presentment and payment system and method
GB2364482B (en) * 2000-06-30 2002-10-09 Motorola Inc Server-based electronic wallet system
GB2367411C (en) * 2000-07-10 2007-12-12 Garry Harold Gibson Pyment system
US20030105710A1 (en) * 2000-07-11 2003-06-05 Ellen Barbara Method and system for on-line payments
US8452704B2 (en) * 2000-07-11 2013-05-28 Citicorp Credit Services, Inc. Method and system for on-line payments
US7249098B2 (en) 2000-07-11 2007-07-24 First Data Corporation Subscription-based payment
US7359880B2 (en) * 2000-07-11 2008-04-15 Abel Luther C System and method for consumer control over card-based transactions
JP2002024182A (en) * 2000-07-11 2002-01-25 Mitsubishi Electric Corp User authentication system
US7546275B1 (en) * 2000-07-20 2009-06-09 International Business Machines Corporation Decentralized electronic certified payment
US7536340B2 (en) * 2000-07-24 2009-05-19 Cashedge, Inc. Compliance monitoring method and apparatus
US7146338B2 (en) 2001-06-28 2006-12-05 Checkfree Services Corporation Inter-network financial service
US6487540B1 (en) * 2000-07-25 2002-11-26 In2M Corporation Methods and systems for electronic receipt transmission and management
WO2002011019A1 (en) 2000-08-01 2002-02-07 First Usa Bank, N.A. System and method for transponder-enabled account transactions
US8468071B2 (en) 2000-08-01 2013-06-18 Jpmorgan Chase Bank, N.A. Processing transactions using a register portion to track transactions
GB2365559A (en) * 2000-08-07 2002-02-20 Rue De Int Ltd Financial payment system and method for internet transactions
US7343335B1 (en) * 2000-08-08 2008-03-11 Ebay Inc. Method for managing group finances via an electronic network
AU2001285422A1 (en) 2000-08-11 2002-02-25 John J. Loy Trade receivable processing method and apparatus
US7031939B1 (en) * 2000-08-15 2006-04-18 Yahoo! Inc. Systems and methods for implementing person-to-person money exchange
AU2001288343A1 (en) * 2000-08-22 2002-03-04 Citibank, N.A. Method and system for payment over the internet
US20020052797A1 (en) * 2000-08-23 2002-05-02 Maritzen L. Michael Customizing a price of a product or a service by using an intelligent agent
US7343323B1 (en) * 2000-08-29 2008-03-11 Gcg, Llc Business transaction system and method
US6980982B1 (en) 2000-08-29 2005-12-27 Gcg, Llc Search system and method involving user and provider associated beneficiary groups
US20020128878A1 (en) * 2000-08-31 2002-09-12 Maritzen L. Michael Method and apparatus for consolidating billing information and paying suppliers on a network
US8015084B1 (en) * 2000-09-06 2011-09-06 Jpmorgan Chase Bank, N.A. System and method for linked account having sweep feature
JP2002083238A (en) * 2000-09-08 2002-03-22 Japan Airlines Co Ltd Value data managing method, value data managing system and mile management method
JP2002092098A (en) * 2000-09-20 2002-03-29 Hitachi Ltd Method for recovering energy saving facility cost and system for the same
US7383223B1 (en) * 2000-09-20 2008-06-03 Cashedge, Inc. Method and apparatus for managing multiple accounts
US8335855B2 (en) 2001-09-19 2012-12-18 Jpmorgan Chase Bank, N.A. System and method for portal infrastructure tracking
US20030220841A1 (en) * 2000-12-08 2003-11-27 Maritzen L. Michael Method and system for merchant-to-merchant referrals and item brokering
US7337144B1 (en) * 2000-09-28 2008-02-26 Microsoft Corporation Method and system for restricting the usage of payment accounts
JP2002109409A (en) * 2000-09-29 2002-04-12 Fujitsu Ltd Method of electronic commerce in electronic commerce system
US7292996B2 (en) * 2000-10-06 2007-11-06 Openwave Systems Inc. Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
CN1349192A (en) * 2000-10-18 2002-05-15 株式会社韦伯玛尼 Electronic accounting device, electronic accounting method, and its computer program
US7606733B2 (en) * 2000-10-27 2009-10-20 Sandisk Il Ltd. Account portability for computing
US20020145632A1 (en) * 2000-10-27 2002-10-10 Shimon Shmueli Portable interface for computing
US20020162009A1 (en) * 2000-10-27 2002-10-31 Shimon Shmueli Privacy assurance for portable computing
US7373656B2 (en) * 2000-10-27 2008-05-13 Sandisk Il Ltd. Automatic configuration for portable devices
US6986030B2 (en) * 2000-10-27 2006-01-10 M-Systems Flash Disk Pioneers Ltd. Portable memory device includes software program for interacting with host computing device to provide a customized configuration for the program
US8285641B2 (en) 2000-11-06 2012-10-09 Jpmorgan Chase Bank, N.A. System and method for selectable funding of electronic transactions
US20030074399A1 (en) * 2000-11-09 2003-04-17 Girish Altekar System and process for user-controlled single-action personal information transfer at internet web sites using extensible markup language
US20020083012A1 (en) * 2000-11-16 2002-06-27 Steve Bush Method and system for account management
US20040019552A1 (en) * 2000-12-07 2004-01-29 Tobin Christopher M. Limited inventory offered for sale at iteratively adjusted pricing
US20040098740A1 (en) * 2000-12-07 2004-05-20 Maritzen L. Michael Method and apparatus for using a kiosk and a transaction device in an electronic commerce system
US20020073042A1 (en) * 2000-12-07 2002-06-13 Maritzen L. Michael Method and apparatus for secure wireless interoperability and communication between access devices
US20020072931A1 (en) * 2000-12-07 2002-06-13 Ronald C. Card System and method to provide financial rewards and other incentives to users of personal transaction devices
US20020073025A1 (en) * 2000-12-08 2002-06-13 Tanner Robert G. Virtual experience of a mobile device
US20020073036A1 (en) * 2000-12-08 2002-06-13 Brant Candelore Method and apparatus for holding a product in escrow "For Sale"
US7729925B2 (en) * 2000-12-08 2010-06-01 Sony Corporation System and method for facilitating real time transactions between a user and multiple entities
US20020073344A1 (en) * 2000-12-08 2002-06-13 Maritzen L. Michael Method and apparatus for preventing an unauthorized transaction
US20020095580A1 (en) * 2000-12-08 2002-07-18 Brant Candelore Secure transactions using cryptographic processes
US20020073315A1 (en) * 2000-12-08 2002-06-13 Brant Candelore Placing a cryptogram on the magnetic stripe of a personal transaction card
US6950939B2 (en) * 2000-12-08 2005-09-27 Sony Corporation Personal transaction device with secure storage on a removable memory device
US7188110B1 (en) 2000-12-11 2007-03-06 Sony Corporation Secure and convenient method and apparatus for storing and transmitting telephony-based data
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
US20020087469A1 (en) * 2000-12-28 2002-07-04 Ravi Ganesan Technique of registration for and direction of electronic payments in real-time
US20020087468A1 (en) * 2000-12-28 2002-07-04 Ravi Ganesan Electronic payment risk processing
US7953660B2 (en) * 2000-12-28 2011-05-31 Checkfree Services Corporation Method and system for payment processing
US20020087461A1 (en) * 2000-12-28 2002-07-04 Ravi Ganesan Technique for electronic funds escrow
US20020188573A1 (en) * 2001-01-08 2002-12-12 Calhoon Gordon W. Universal electronic tagging for credit/debit transactions
US6985873B2 (en) 2001-01-18 2006-01-10 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
CA2332656A1 (en) * 2001-01-26 2002-07-26 Certapay Inc. Online payment transfer and identity management system and method
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US20020116329A1 (en) * 2001-02-20 2002-08-22 Serbetcioglu Bekir Sami Systems and methods for approval of credit/debit account transactions using a wireless device
CA2354372A1 (en) 2001-02-23 2002-08-23 Efunds Corporation Electronic payment and authentication system with debit and identification data verification and electronic check capabilities
US20020120582A1 (en) * 2001-02-26 2002-08-29 Stephen Elston Method for establishing an electronic commerce account
US8798251B2 (en) 2001-02-27 2014-08-05 Verizon Data Services Llc Methods and systems for computer enhanced conference calling
US8494135B2 (en) 2001-02-27 2013-07-23 Verizon Data Services Llc Methods and systems for contact management
US7903796B1 (en) 2001-02-27 2011-03-08 Verizon Data Services Llc Method and apparatus for unified communication management via instant messaging
US6976017B1 (en) * 2001-02-27 2005-12-13 Verizon Data Services Inc. Method and apparatus for context based querying
US7912199B2 (en) 2002-11-25 2011-03-22 Telesector Resources Group, Inc. Methods and systems for remote cell establishment
US8503650B2 (en) 2001-02-27 2013-08-06 Verizon Data Services Llc Methods and systems for configuring and providing conference calls
US8472606B2 (en) 2001-02-27 2013-06-25 Verizon Data Services Llc Methods and systems for directory information lookup
US8488766B2 (en) 2001-02-27 2013-07-16 Verizon Data Services Llc Methods and systems for multiuser selective notification
US8873730B2 (en) 2001-02-27 2014-10-28 Verizon Patent And Licensing Inc. Method and apparatus for calendared communications flow control
US8750482B2 (en) 2001-02-27 2014-06-10 Verizon Data Services Llc Methods and systems for preemptive rejection of calls
US8488761B2 (en) 2001-02-27 2013-07-16 Verizon Data Services Llc Methods and systems for a call log
US8503639B2 (en) 2001-02-27 2013-08-06 Verizon Data Services Llc Method and apparatus for adaptive message and call notification
US8751571B2 (en) 2001-02-27 2014-06-10 Verizon Data Services Llc Methods and systems for CPN triggered collaboration
US8761363B2 (en) 2001-02-27 2014-06-24 Verizon Data Services Llc Methods and systems for automatic forwarding of communications to a preferred device
US8467502B2 (en) 2001-02-27 2013-06-18 Verizon Data Services Llc Interactive assistant for managing telephone communications
US7912193B2 (en) 2001-02-27 2011-03-22 Verizon Data Services Llc Methods and systems for call management with user intervention
US8472428B2 (en) * 2001-02-27 2013-06-25 Verizon Data Services Llc Methods and systems for line management
US8774380B2 (en) 2001-02-27 2014-07-08 Verizon Patent And Licensing Inc. Methods and systems for call management with user intervention
US6922726B2 (en) * 2001-03-23 2005-07-26 International Business Machines Corporation Web accessibility service apparatus and method
US8150763B2 (en) 2001-03-31 2012-04-03 The Western Union Company Systems and methods for staging transactions, payments and collections
US7184989B2 (en) 2001-03-31 2007-02-27 First Data Corporation Staged transactions systems and methods
US7117183B2 (en) 2001-03-31 2006-10-03 First Data Coroporation Airline ticket payment and reservation system and methods
US7096205B2 (en) 2001-03-31 2006-08-22 First Data Corporation Systems and methods for enrolling consumers in goods and services
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
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
US20020198830A1 (en) * 2001-05-01 2002-12-26 Randell Wayne L. Method and system for handling disputes in an electronic invoice management system
US7440922B1 (en) * 2001-05-04 2008-10-21 West Corporation System, method, and business method for settling micropayment transactions to a pre-paid instrument
US7502833B2 (en) * 2001-05-11 2009-03-10 International Business Machines Corporation Method for dynamically integrating remote portlets into portals
US7313546B2 (en) 2001-05-23 2007-12-25 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US8060448B2 (en) * 2001-05-30 2011-11-15 Jones Thomas C Late binding tokens
AU2002312381A1 (en) 2001-06-07 2002-12-16 First Usa Bank, N.A. System and method for rapid updating of credit information
EP1407344A4 (en) 2001-06-25 2004-12-08 Jp Morgan Chase Bank Electronic vouchers and a system and method for issuing the same
JP2003016365A (en) * 2001-06-28 2003-01-17 Infocity Inc Device and method for settlement
US7778600B2 (en) 2001-06-29 2010-08-17 Crane Merchandising Systems, Inc. Apparatus and method to provide multiple wireless communication paths to and from remotely located equipment
US7164884B2 (en) 2001-06-29 2007-01-16 Isochron, Llc Method and system for interfacing a machine controller and a wireless network
US6925335B2 (en) * 2001-07-05 2005-08-02 Isochron, Llc Real-time alert mechanism for monitoring and controlling field assets via wireless and internet technologies
US7266839B2 (en) 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
WO2003010701A1 (en) 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US20030023498A1 (en) * 2001-07-25 2003-01-30 Day Money, Inc. Method of buying and selling goods and services
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
US7311244B1 (en) 2001-08-13 2007-12-25 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US20030037009A1 (en) * 2001-08-16 2003-02-20 Tobin Christopher M. Monitoring and managing delivery of shipped items
US6750897B1 (en) 2001-08-16 2004-06-15 Verizon Data Services Inc. Systems and methods for implementing internet video conferencing using standard phone calls
JP2003076864A (en) * 2001-08-29 2003-03-14 Internatl Business Mach Corp <Ibm> Method, server, transaction terminal and system for processing transfer
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US20030061173A1 (en) * 2001-09-27 2003-03-27 Hiroshi Ogino Electronic gathering of product information and purchasing of products
US7822684B2 (en) 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
US20030074209A1 (en) * 2001-10-15 2003-04-17 Tobin Christopher M. User device with service finding and purchasing functionality
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
US8244632B2 (en) 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
WO2003038561A2 (en) 2001-11-01 2003-05-08 First Usa Bank, N.A. System and method for establishing or modifying an account with user selectable terms
US7184980B2 (en) * 2001-11-15 2007-02-27 First Data Corporation Online incremental payment method
JP3902453B2 (en) * 2001-11-19 2007-04-04 富士通株式会社 Electronic money processing method, program, and recording medium
US20100125521A1 (en) * 2001-12-03 2010-05-20 Hanan Christopher C Biller focused business to business electronic invoice presentment and accounts receivables reconciliation system
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US20030115136A1 (en) * 2001-12-17 2003-06-19 Magnus Sjolin Method for pre-paid transaction system
US20050187867A1 (en) * 2002-01-03 2005-08-25 Sokolic Jeremy N. System and method for associating identifiers with transactions
EP1326192A1 (en) * 2002-01-07 2003-07-09 S.W.I.F.T. sc E-commerce payment system
US7865432B2 (en) * 2002-02-15 2011-01-04 Coinstar, Inc. Methods and systems for exchanging and/or transferring various forms of value
US7941533B2 (en) 2002-02-19 2011-05-10 Jpmorgan Chase Bank, N.A. System and method for single sign-on session management without central server
US20050192892A1 (en) * 2002-02-23 2005-09-01 Wow! Technologies Automated clearing house compatible loadable debit card system and method
US20050182724A1 (en) * 2002-02-23 2005-08-18 Wow! Technologies, Inc. Incremental network access payment system and method utilizing debit cards
EP1476825A4 (en) * 2002-02-23 2005-04-13 Wow Technologies Inc Loadable debit card system and method
US20050182720A1 (en) * 2003-02-24 2005-08-18 Wow! Technologies, Inc. Online payment system and method
US8590013B2 (en) 2002-02-25 2013-11-19 C. S. Lee Crawford Method of managing and communicating data pertaining to software applications for processor-based devices comprising wireless communication circuitry
US9392120B2 (en) 2002-02-27 2016-07-12 Verizon Patent And Licensing Inc. Methods and systems for call management with user intervention
US20030167232A1 (en) * 2002-03-01 2003-09-04 Linton Lascelles A. Method of reducing online fraud
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
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
US7487127B2 (en) * 2002-03-27 2009-02-03 First Data Corporation Merchant cash payment systems and methods
US7496952B2 (en) * 2002-03-28 2009-02-24 International Business Machines Corporation Methods for authenticating a user's credentials against multiple sets of credentials
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
AU2003230751A1 (en) 2002-03-29 2003-10-13 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
US8321899B2 (en) * 2002-04-10 2012-11-27 Alcatel Lucent System and method for delivering video products to a subscriber unit
AU2002256595A1 (en) * 2002-04-28 2003-11-17 Paycool International Limited System to enable a telecom operator provide financial transactions services and methods for implementing such transactions
AU2003230372A1 (en) * 2002-05-10 2003-11-11 Ecardless Bancorp, Ltd. Purchasing on the internet using verified order information and bank payment assurance
US7689482B2 (en) 2002-05-24 2010-03-30 Jp Morgan Chase Bank, N.A. System and method for payer (buyer) defined electronic invoice exchange
US20030220863A1 (en) 2002-05-24 2003-11-27 Don Holm System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
US8224723B2 (en) 2002-05-31 2012-07-17 Jpmorgan Chase Bank, N.A. Account opening system, method and computer program product
EP1532517A4 (en) * 2002-06-10 2007-03-21 Gtech Corp Lottery management system
US7110980B2 (en) * 2002-06-21 2006-09-19 American Express Bank Ltd. System and method for facilitating electronic transfer of funds
AUPS331202A0 (en) * 2002-06-28 2002-07-25 Intellect Holdings Limited A method for transacting a trade electronically, and a system therefor
US8239304B1 (en) 2002-07-29 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for providing pre-approved targeted products
CN1703706A (en) * 2002-09-16 2005-11-30 沙特阿拉伯石油公司 Electronic banking system
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
CA2406105A1 (en) * 2002-09-30 2004-03-30 Canadian National Railway Company Method and system for generating account reconciliation data
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US20040128240A1 (en) * 2002-10-07 2004-07-01 Yusin Wendy E. Method and system for managing financial transactions
US8489742B2 (en) 2002-10-10 2013-07-16 Convergys Information Management Group, Inc. System and method for work management
US8577795B2 (en) * 2002-10-10 2013-11-05 Convergys Information Management Group, Inc. System and method for revenue and authorization 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
US20040078327A1 (en) * 2002-10-16 2004-04-22 First Data Corporation Wireless communication device account payment notification systems and methods
US20040139016A1 (en) * 2002-11-01 2004-07-15 Modasolutions Corporation Internet payment systerm and method
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
WO2004047079A2 (en) * 2002-11-18 2004-06-03 Dharam Pal An on-line payment method
AU2003282385A1 (en) * 2002-11-25 2004-06-18 Pal Dharam An on-line credit information system
US7769650B2 (en) 2002-12-03 2010-08-03 Jp Morgan Chase Bank Network-based sub-allocation systems and methods for swaps
US8473355B2 (en) * 2002-12-06 2013-06-25 Facebook, Inc. System and method for electronic wallet conversion
US7571140B2 (en) * 2002-12-16 2009-08-04 First Data Corporation Payment management
TW200412524A (en) * 2003-01-15 2004-07-16 Lee Fung Chi A small amount paying/receiving system
US8511553B1 (en) 2003-02-13 2013-08-20 Global Fulfillment Services, Inc. Method and processes for secure real time purchase validation award system
US8447630B2 (en) * 2004-02-26 2013-05-21 Payment Pathways, Inc. Systems and methods for managing permissions for information ownership in the cloud
US7831490B2 (en) * 2003-02-28 2010-11-09 Payment Pathways, Inc. Enhanced system for electronic funds transfer and elimination of the payee's need for encryption and privacy
AU2003901043A0 (en) * 2003-03-07 2003-03-20 Torto, Anthony Transaction system
US10311412B1 (en) 2003-03-28 2019-06-04 Jpmorgan Chase Bank, N.A. Method and system for providing bundled electronic payment and remittance advice
US8630947B1 (en) 2003-04-04 2014-01-14 Jpmorgan Chase Bank, N.A. Method and system for providing electronic bill payment and presentment
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
AU2003903229A0 (en) 2003-06-25 2003-07-10 Ewise Systems Pty Ltd A system and method for facilitating on-line payment
DE10336070A1 (en) * 2003-08-06 2005-01-20 Siemens Ag Safety process transaction method e.g. for paying process over data network, involves entering payment amounts about buyer for equipment attached to data network with payment amount conveyed to server computer by salesman
US20050283436A1 (en) * 2003-08-22 2005-12-22 Greer Richard E Point of sale purchase system
WO2005020029A2 (en) * 2003-08-22 2005-03-03 Cards, Llc Point of sale purchase system
US7953663B1 (en) 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US8639824B1 (en) * 2003-09-19 2014-01-28 Hewlett-Packard Development Company, L.P. System and method for dynamic account management in a grid computing system
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US7668093B1 (en) 2004-08-05 2010-02-23 Convergys Information Management Group, Inc. Architecture for balancing workload
WO2005038627A2 (en) * 2003-10-17 2005-04-28 Nexxo Financial Corporation Systems and methods for banking transactions using a stored-value card
US8793187B2 (en) * 2003-10-17 2014-07-29 Nexxo Financial Corporation Self-service money remittance with an access card
US8190893B2 (en) 2003-10-27 2012-05-29 Jp Morgan Chase Bank Portable security transaction protocol
US7792717B1 (en) * 2003-10-31 2010-09-07 Jpmorgan Chase Bank, N.A. Waterfall prioritized payment processing
WO2005043274A2 (en) * 2003-11-04 2005-05-12 Ebiz.Mobility Ltd. Universal mobile electronic commerce
US7702577B1 (en) 2003-11-06 2010-04-20 Jp Morgan Chase Bank, N.A. System and method for conversion of initial transaction to final transaction
US8655309B2 (en) 2003-11-14 2014-02-18 E2Interactive, Inc. Systems and methods for electronic device point-of-sale activation
CN104732379A (en) * 2003-11-26 2015-06-24 支付点公司 Secure Payment System
US7814003B2 (en) 2003-12-15 2010-10-12 Jp Morgan Chase Billing workflow system for crediting charges to entities creating derivatives exposure
US7711605B1 (en) 2004-01-06 2010-05-04 Santeufemia Michael N Adult digital content management, playback and delivery
US20050177510A1 (en) * 2004-02-09 2005-08-11 Visa International Service Association, A Delaware Corporation Buyer initiated payment
US20060184585A1 (en) * 2004-02-24 2006-08-17 First Data Corporation Communication point delivery instructions
US20070237315A1 (en) * 2004-02-24 2007-10-11 First Data Corporation System for maintaining type and/or status information for a party - communication point relationship
US20060167952A1 (en) * 2004-02-24 2006-07-27 First Data Corporation Communication point bulk mail
US20070239786A1 (en) * 2004-02-24 2007-10-11 First Data Corporation System for maintaining regulatory compliance of communication point data
US20050187870A1 (en) * 2004-02-24 2005-08-25 First Data Corporation System for maintaining balance data
US20050187864A1 (en) * 2004-02-24 2005-08-25 First Data Corporation System for maintaining presentation instrument data
US20060184586A1 (en) * 2004-02-24 2006-08-17 First Data Corporation Communication point relationship scheduling
US7380707B1 (en) 2004-02-25 2008-06-03 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US20050197934A1 (en) * 2004-03-04 2005-09-08 Barry Finkelstein Method and system for supplementing directors' and officers' insurance
US7577599B2 (en) * 2004-03-12 2009-08-18 First Data Corporation Method and system for processing electronic payment transactions
US8239319B2 (en) * 2004-03-22 2012-08-07 The Western Union Company Equipment to facilitate money transfers into bank accounts
US20050216279A1 (en) * 2004-03-26 2005-09-29 Yefim Goldin A Method of Simplifying E-commerce Marketplace Mail Order Sellers Invoicing, Accounting and Label Printing
US7337956B2 (en) * 2004-04-12 2008-03-04 Rearden Capital Corporation System and method for facilitating the purchase of goods and services
US7275685B2 (en) * 2004-04-12 2007-10-02 Rearden Capital Corporation Method for electronic payment
US7500602B2 (en) * 2005-02-22 2009-03-10 Gray R O'neal System for increasing the security of credit and debit cards transactions
US7748617B2 (en) * 2004-04-12 2010-07-06 Gray R O'neal Electronic identification system
US20050246289A1 (en) 2004-04-13 2005-11-03 Alexander Robert M Iv System and method for processing and for funding a transaction
US8175938B2 (en) 2004-04-13 2012-05-08 Ebay Inc. Method and system for facilitating merchant-initiated online payments
US8660950B2 (en) * 2004-04-16 2014-02-25 Wells Fargo, N.A. System and method for bill pay with credit card funding
US7580857B2 (en) * 2004-04-16 2009-08-25 First Data Corporation Methods and systems for online transaction processing
US7721304B2 (en) * 2004-06-08 2010-05-18 Cisco Technology, Inc. Method and apparatus providing programmable network intelligence
US7590980B1 (en) 2004-06-14 2009-09-15 Convergys Cmg Utah, Inc. System and method for a functional extensibility framework
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
US20070174129A1 (en) * 2004-07-01 2007-07-26 Ralph Muniz System and method for ordering of goods and services with alternative payment
US7529706B2 (en) * 2004-07-14 2009-05-05 Yahoo! Inc. Systems and methods for performing international money exchanges
US7856384B1 (en) 2004-07-14 2010-12-21 Yahoo! Inc. Systems and methods for providing security in international money exchanges
US20060015452A1 (en) * 2004-07-14 2006-01-19 Mani Kulasooriya Systems and methods for implementing account-to-account international money exchanges
US8290862B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US8290863B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US7392222B1 (en) 2004-08-03 2008-06-24 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
US7185805B1 (en) 2004-08-10 2007-03-06 Transmodus, Inc. Wireless check authorization
US20060036540A1 (en) * 2004-08-11 2006-02-16 Steve Lawrence Method and system for merchant indemnification for online financial transactions
JP2008511085A (en) * 2004-08-25 2008-04-10 マスターカード インターナシヨナル インコーポレーテツド Method and system for automated payment authentication and settlement
US20100044430A1 (en) * 2005-01-03 2010-02-25 Yuh-Shen Song Automated Remittance Network
US7958030B2 (en) * 2004-09-01 2011-06-07 Visa U.S.A. Inc. System and method for issuer originated payments for on-line banking bill payments
US20060064378A1 (en) * 2004-09-21 2006-03-23 Jeff Clementz Method and apparatus for maintaining linked accounts
US8152054B2 (en) 2004-10-19 2012-04-10 The Western Union Company Money transfer systems and methods
US7909237B2 (en) 2004-10-25 2011-03-22 Todd Tredeau Monetary transaction system and method
CN101099181A (en) * 2004-11-05 2008-01-02 移动货币国际公司 An electronic-purse transaction method and system
US7636679B2 (en) 2005-01-03 2009-12-22 Yuh-Shen Song Automated remittance network
US20060151348A1 (en) * 2005-01-11 2006-07-13 Wow! Technologies, Inc. Rack-hung loadable debit card package
US20060167811A1 (en) 2005-01-24 2006-07-27 Microsoft Corporation Product locker for multi-merchant purchasing environment for downloadable products
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US7258268B2 (en) 2005-02-28 2007-08-21 Moneygram International, Inc. Method and apparatus for money transfer
US20060212407A1 (en) * 2005-03-17 2006-09-21 Lyon Dennis B User authentication and secure transaction system
US8112354B2 (en) * 2005-04-08 2012-02-07 Billeo, Inc Method and system for virtual consolidation of biller direct web sites
US20060229986A1 (en) * 2005-04-12 2006-10-12 Corder Michael R Financial account that reduces paper check usage
US7392940B2 (en) 2005-05-18 2008-07-01 The Western Union Company In-lane money transfer systems and methods
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
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
US8041646B2 (en) * 2005-06-15 2011-10-18 E. E. System Corporation Method and system for real time online debit transactions
US7676409B1 (en) 2005-06-20 2010-03-09 Jpmorgan Chase Bank, N.A. Method and system for emulating a private label over an open network
US8185877B1 (en) 2005-06-22 2012-05-22 Jpmorgan Chase Bank, N.A. System and method for testing applications
US7831520B2 (en) * 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
US7837100B2 (en) 2005-07-05 2010-11-23 American Express Travel Related Services Company, Inc. System, method, and computer program product for issuing and using debit cards
US20070027784A1 (en) * 2005-07-26 2007-02-01 Ip Commerce Network payment framework
US7367168B2 (en) * 2005-08-31 2008-05-06 Simpson Strong-Tie Company, Inc. Skewed girder tie
US7912458B2 (en) 2005-09-14 2011-03-22 Jumptap, Inc. Interaction analysis and prioritization of mobile content
US8364540B2 (en) 2005-09-14 2013-01-29 Jumptap, Inc. Contextual targeting of content using a monetization platform
US8238888B2 (en) 2006-09-13 2012-08-07 Jumptap, Inc. Methods and systems for mobile coupon placement
US7769764B2 (en) 2005-09-14 2010-08-03 Jumptap, Inc. Mobile advertisement syndication
US8615719B2 (en) 2005-09-14 2013-12-24 Jumptap, Inc. Managing sponsored content for delivery to mobile communication facilities
US10038756B2 (en) 2005-09-14 2018-07-31 Millenial Media LLC Managing sponsored content based on device characteristics
US20070198485A1 (en) * 2005-09-14 2007-08-23 Jorey Ramer Mobile search service discovery
US8805339B2 (en) 2005-09-14 2014-08-12 Millennial Media, Inc. Categorization of a mobile user profile based on browse and viewing behavior
US8195133B2 (en) 2005-09-14 2012-06-05 Jumptap, Inc. Mobile dynamic advertisement creation and placement
US8688671B2 (en) 2005-09-14 2014-04-01 Millennial Media Managing sponsored content based on geographic region
US8666376B2 (en) 2005-09-14 2014-03-04 Millennial Media Location based mobile shopping affinity program
US8819659B2 (en) 2005-09-14 2014-08-26 Millennial Media, Inc. Mobile search service instant activation
US8156128B2 (en) 2005-09-14 2012-04-10 Jumptap, Inc. Contextual mobile content placement on a mobile communication facility
US10911894B2 (en) 2005-09-14 2021-02-02 Verizon Media Inc. Use of dynamic content generation parameters based on previous performance of those parameters
US8503995B2 (en) 2005-09-14 2013-08-06 Jumptap, Inc. Mobile dynamic advertisement creation and placement
US9201979B2 (en) 2005-09-14 2015-12-01 Millennial Media, Inc. Syndication of a behavioral profile associated with an availability condition using a monetization platform
US8660891B2 (en) 2005-11-01 2014-02-25 Millennial Media Interactive mobile advertisement banners
US7660581B2 (en) 2005-09-14 2010-02-09 Jumptap, Inc. Managing sponsored content based on usage history
US7752209B2 (en) 2005-09-14 2010-07-06 Jumptap, Inc. Presenting sponsored content on a mobile communication facility
US8832100B2 (en) 2005-09-14 2014-09-09 Millennial Media, Inc. User transaction history influenced search results
US8364521B2 (en) 2005-09-14 2013-01-29 Jumptap, Inc. Rendering targeted advertisement on mobile communication facilities
US8103545B2 (en) 2005-09-14 2012-01-24 Jumptap, Inc. Managing payment for sponsored content presented to mobile communication facilities
US7702318B2 (en) 2005-09-14 2010-04-20 Jumptap, Inc. Presentation of sponsored content based on mobile transaction event
US9703892B2 (en) 2005-09-14 2017-07-11 Millennial Media Llc Predictive text completion for a mobile communication facility
US8209344B2 (en) 2005-09-14 2012-06-26 Jumptap, Inc. Embedding sponsored content in mobile applications
US20110313853A1 (en) 2005-09-14 2011-12-22 Jorey Ramer System for targeting advertising content to a plurality of mobile communication facilities
US8027879B2 (en) 2005-11-05 2011-09-27 Jumptap, Inc. Exclusivity bidding for mobile sponsored content
US9058406B2 (en) 2005-09-14 2015-06-16 Millennial Media, Inc. Management of multiple advertising inventories using a monetization platform
US8302030B2 (en) 2005-09-14 2012-10-30 Jumptap, Inc. Management of multiple advertising inventories using a monetization platform
US8532633B2 (en) 2005-09-14 2013-09-10 Jumptap, Inc. System for targeting advertising content to a plurality of mobile communication facilities
US8311888B2 (en) 2005-09-14 2012-11-13 Jumptap, Inc. Revenue models associated with syndication of a behavioral profile using a monetization platform
US9471925B2 (en) 2005-09-14 2016-10-18 Millennial Media Llc Increasing mobile interactivity
US7676394B2 (en) 2005-09-14 2010-03-09 Jumptap, Inc. Dynamic bidding and expected value
US8812526B2 (en) 2005-09-14 2014-08-19 Millennial Media, Inc. Mobile content cross-inventory yield optimization
US7860871B2 (en) 2005-09-14 2010-12-28 Jumptap, Inc. User history influenced search results
US9076175B2 (en) 2005-09-14 2015-07-07 Millennial Media, Inc. Mobile comparison shopping
US8229914B2 (en) 2005-09-14 2012-07-24 Jumptap, Inc. Mobile content spidering and compatibility determination
US7577665B2 (en) 2005-09-14 2009-08-18 Jumptap, Inc. User characteristic influenced search results
US8989718B2 (en) 2005-09-14 2015-03-24 Millennial Media, Inc. Idle screen advertising
US8290810B2 (en) 2005-09-14 2012-10-16 Jumptap, Inc. Realtime surveying within mobile sponsored content
US10592930B2 (en) 2005-09-14 2020-03-17 Millenial Media, LLC Syndication of a behavioral profile using a monetization platform
US8131271B2 (en) 2005-11-05 2012-03-06 Jumptap, Inc. Categorization of a mobile user profile based on browse behavior
US20070061254A1 (en) * 2005-09-15 2007-03-15 Richard Blunck Systems and methods for opening, funding, and managing financial accounts
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
US8447700B2 (en) * 2005-10-11 2013-05-21 Amazon Technologies, Inc. Transaction authorization service
US8200575B2 (en) * 2005-10-11 2012-06-12 Raul Armando Cordero Torres Secure electronic payment system and methods
WO2007049241A1 (en) * 2005-10-28 2007-05-03 Evert Schouten De Ruiter Controlling the value of a plurality of transactions involving a payment token
US8301529B1 (en) 2005-11-02 2012-10-30 Jpmorgan Chase Bank, N.A. Method and system for implementing effective governance of transactions between trading partners
US8175585B2 (en) 2005-11-05 2012-05-08 Jumptap, Inc. System for targeting advertising content to a plurality of mobile communication facilities
US8571999B2 (en) 2005-11-14 2013-10-29 C. S. Lee Crawford Method of conducting operations for a social network application including activity list generation
US20070124242A1 (en) * 2005-11-15 2007-05-31 Reis A D Jr Funds transfer system
US8484068B2 (en) 2005-12-14 2013-07-09 Crane Merchandising Systems, Inc. Method and system for evaluating consumer demand for multiple products and services at remotely located equipment
US8290433B2 (en) 2007-11-14 2012-10-16 Blaze Mobile, Inc. Method and system for securing transactions made through a mobile communication device
US8275312B2 (en) 2005-12-31 2012-09-25 Blaze Mobile, Inc. Induction triggered transactions using an external NFC device
US8693995B2 (en) 2007-12-13 2014-04-08 Michelle Fisher Customized mobile applications for special interest groups
US20070156436A1 (en) 2005-12-31 2007-07-05 Michelle Fisher Method And Apparatus For Completing A Transaction Using A Wireless Mobile Communication Channel And Another Communication Channel
US8352323B2 (en) 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
US8626626B2 (en) 2006-01-09 2014-01-07 Interest Capturing Systems, Llc Method of and system for capturing interest earned on the monetary value of transferred monetary rights managed on an internet-based monetary rights transfer (MRT) network supported by a real-time gross settlement (RTGS) system
US20070162369A1 (en) * 2006-01-09 2007-07-12 Hardison Joseph H Iii Internet-based method of and system for transfering and exercising monetary rights within a financial marketplace
US7502761B2 (en) * 2006-02-06 2009-03-10 Yt Acquisition Corporation Method and system for providing online authentication utilizing biometric data
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US20070192231A1 (en) * 2006-02-15 2007-08-16 Farson John M Method and system for calculating bids in an auction
US8200579B2 (en) 2006-02-28 2012-06-12 The Invention Science Fund I, Llc Using payment mode rankings responsive to item attributes
US7958051B2 (en) * 2006-02-28 2011-06-07 The Invention Science Fund I, Llc Using payment mode rankings responsive to item attributes
US9336543B2 (en) * 2006-03-30 2016-05-10 Datascape, Inc. System and method for facilitating transactions through a network portal
US7818264B2 (en) * 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US20070244816A1 (en) * 2006-04-14 2007-10-18 Mustafa Patni Systems and methods for opening, funding, and/or using a financial account, such as a checking account
US20070242039A1 (en) * 2006-04-17 2007-10-18 Mike Chen Pointing device with security capabilities
CA2648583A1 (en) * 2006-04-21 2007-11-01 Controlabill Pty Ltd Automated budget management, multiple payment, and payment authority management
US7734545B1 (en) 2006-06-14 2010-06-08 Jpmorgan Chase Bank, N.A. Method and system for processing recurring payments
US7540408B2 (en) * 2006-06-22 2009-06-02 Hip Consult Inc. Apparatus and method for facilitating money or value transfer
US20070299774A1 (en) * 2006-06-22 2007-12-27 First Data Corporation System and method for card not present transactions
US8510220B2 (en) 2006-07-06 2013-08-13 Qualcomm Incorporated Methods and systems for viewing aggregated payment obligations in a mobile environment
US9911114B2 (en) 2006-07-06 2018-03-06 Qualcomm Incorporated Methods and systems for making a payment via a stored value card in a mobile environment
US8145568B2 (en) 2006-07-06 2012-03-27 Firethorn Mobile, Inc. Methods and systems for indicating a payment in a mobile environment
US8121945B2 (en) 2006-07-06 2012-02-21 Firethorn Mobile, Inc. Methods and systems for payment method selection by a payee in a mobile environment
US8489067B2 (en) 2006-07-06 2013-07-16 Qualcomm Incorporated Methods and systems for distribution of a mobile wallet for a mobile device
US8467766B2 (en) 2006-07-06 2013-06-18 Qualcomm Incorporated Methods and systems for managing payment sources in a mobile environment
US8160959B2 (en) 2006-07-06 2012-04-17 Firethorn Mobile, Inc. Methods and systems for payment transactions in a mobile environment
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
WO2008014321A2 (en) * 2006-07-26 2008-01-31 Joseph Sally System for managing multiple credit accounts
US20080027874A1 (en) * 2006-07-26 2008-01-31 Monseignat Bernard De System and method for facilitating secure transactions over communication networks
US7997484B2 (en) 2006-09-13 2011-08-16 Crane Merchandising Systems, Inc. Rich content management and display for use in remote field assets
EP2078285A4 (en) * 2006-09-29 2010-08-11 Dun & Bradstreet Corp Process and system for the automated collection of business information directly from a business entity's accounting system
US10068220B2 (en) 2006-10-11 2018-09-04 Visa International Service Association Systems and methods for brokered authentication express seller links
US8335745B2 (en) 2006-10-11 2012-12-18 Visa International Service Association Method and system for processing micropayment transactions
PL2084868T3 (en) 2006-11-02 2019-01-31 Voip-Pal.Com, Inc. Producing routing messages for voice over ip communications
US8369828B2 (en) * 2006-11-14 2013-02-05 Globaltel Media, Inc. Mobile-to-mobile payment system and method
US8422507B2 (en) 2006-11-29 2013-04-16 Digifonica (International) Limited Intercepting voice over IP communications and other data communications
US7878393B2 (en) 2006-12-07 2011-02-01 Moneygram International, Inc. Method and apparatus for distribution of money transfers
WO2008075143A1 (en) * 2006-12-18 2008-06-26 Fundamo (Proprietary) Limited Portable payment device
DE102006059731A1 (en) * 2006-12-18 2008-06-19 Wincor Nixdorf International Gmbh A method for authorizing at least one transaction by a banking system
US8577744B2 (en) * 2006-12-27 2013-11-05 Datascape, Inc. System and method for effecting auction item payments through a network portal
US8606670B2 (en) 2007-01-02 2013-12-10 First Data Corporation Integrated communication solution
BRPI0806457A2 (en) 2007-01-09 2011-09-06 Visa Usa Inc Method mobile phone and system
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9418501B2 (en) * 2007-02-05 2016-08-16 First Data Corporation Method for digital signature authentication of pin-less debit card account transactions
US20080189209A1 (en) * 2007-02-05 2008-08-07 First Data Corporation Real-Time Funds Transfer
US20080185429A1 (en) * 2007-02-05 2008-08-07 First Data Corporation Authentication Of PIN-Less Transactions
US7916925B2 (en) 2007-02-09 2011-03-29 Jpmorgan Chase Bank, N.A. System and method for generating magnetic ink character recognition (MICR) testing documents
CA2578893A1 (en) * 2007-02-15 2008-08-15 Ibm Canada Limited - Ibm Canada Limitee System and method for processing payment options
US8521650B2 (en) 2007-02-26 2013-08-27 Zepfrog Corp. Method and service for providing access to premium content and dispersing payment therefore
EP1965342A1 (en) * 2007-02-27 2008-09-03 Nagracard S.A. Method of conducting a transaction between a payment module and a security module
US8935187B2 (en) 2007-03-07 2015-01-13 Playspan, Inc. Distributed payment system and method
US7945512B2 (en) * 2007-03-14 2011-05-17 Ebay Inc. Spending and savings secondary linked accounts
US20080228638A1 (en) * 2007-03-14 2008-09-18 Ebay Inc. Method and system of controlling linked accounts
US8537805B2 (en) 2007-03-26 2013-09-17 Digifonica (International) Limited Emergency assistance calling for voice over IP communications systems
JP5201861B2 (en) * 2007-03-27 2013-06-05 富士通コンポーネント株式会社 Information providing system and information providing method
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
JP4892385B2 (en) * 2007-03-30 2012-03-07 株式会社三井住友銀行 Information providing method, information providing system, and financial institution server
US7962418B1 (en) 2007-03-30 2011-06-14 Amazon Technologies, Inc. System and method of fulfilling a transaction
US20080288400A1 (en) 2007-04-27 2008-11-20 Cashedge, Inc. Centralized Payment Method and System for Online and Offline Transactions
US8473735B1 (en) 2007-05-17 2013-06-25 Jpmorgan Chase Systems and methods for managing digital certificates
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
US8121956B2 (en) 2007-06-25 2012-02-21 Visa U.S.A. Inc. Cardless challenge systems and methods
US7739169B2 (en) * 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
US8959028B2 (en) 2007-07-02 2015-02-17 Crane Merchandising Systems, Inc. Apparatus and method for monitoring and control of remotely located equipment
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
US8762270B1 (en) 2007-08-10 2014-06-24 Jpmorgan Chase Bank, N.A. System and method for providing supplemental payment or transaction information
AU2008288851A1 (en) * 2007-08-21 2009-02-26 Daniel Jonathan Baron Methods and systems for preauthorizing venue-based credit accounts
US8676672B2 (en) 2007-08-23 2014-03-18 E2Interactive, Inc. Systems and methods for electronic delivery of stored value
US20090076864A1 (en) * 2007-09-14 2009-03-19 Ip Commerce, Inc. System and method for rules-based serialized service transaction processing
US20090076953A1 (en) * 2007-09-18 2009-03-19 First Data Corporation ATM/Debit Expedited Bill Payments
US8239326B1 (en) 2007-09-19 2012-08-07 Amazon Technologies, Inc. Method and apparatus for authorizing transactions using transaction phrases in a transaction authorization service
DE102007046254A1 (en) 2007-09-26 2009-04-09 Astrium Gmbh Method and device for the efficient distribution of information in a satellite navigation system
US20090089211A1 (en) * 2007-10-02 2009-04-02 Patricia Morse System and method for person to person fund transfer
US20100250436A1 (en) * 2007-10-17 2010-09-30 The Western Union Company Mobile customer service centers with a mobile pickup model
US20090106152A1 (en) * 2007-10-17 2009-04-23 The Western Union Company Money transfers utilizing unique receiver identifier
US20090265272A1 (en) * 2007-10-17 2009-10-22 The Western Union Company Money transfers utilizing a unique receiver identifier
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US8255318B2 (en) * 2007-10-18 2012-08-28 First Data Corporation Applicant authentication
US20090106118A1 (en) 2007-10-19 2009-04-23 Ebay Inc Payment using funds pushing
US20090112767A1 (en) * 2007-10-25 2009-04-30 Ayman Hammad Escrow system and method
US8533315B2 (en) 2007-10-25 2013-09-10 Crane Merchandising Systems, Inc. Systems and methods for monitoring performance of field assets
US8374932B2 (en) 2007-10-30 2013-02-12 Visa U.S.A. Inc. Payment entity device transaction processing using multiple payment methods
US8311914B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity for account payables processing using multiple payment methods
US8341046B2 (en) 2007-10-30 2012-12-25 Visa U.S.A. Inc. Payment entity device reconciliation for multiple payment methods
US8311913B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity account set up for multiple payment methods
US8311937B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Client supported multiple payment methods system
US8407141B2 (en) * 2007-10-30 2013-03-26 Visa U.S.A. Inc. System and method for processing multiple methods of payment
US7941371B1 (en) * 2007-11-07 2011-05-10 Wells Fargo Bank, N.A. System and method for an automated depository account pledged as security
US20090132423A1 (en) * 2007-11-15 2009-05-21 Ebay Inc. Send money plug in for web mails
US7440915B1 (en) 2007-11-16 2008-10-21 U.S. Bancorp Licensing, Inc. Method, system, and computer-readable medium for reducing payee fraud
US20090144170A1 (en) * 2007-11-30 2009-06-04 Mark Dickelman Buyer-Seller Interfaces and Methods for Disparate Network Systems
US8788281B1 (en) 2007-12-03 2014-07-22 Jp Morgan Chase Bank, N.A. System and method for processing qualified healthcare account related financial transactions
US20090143128A1 (en) * 2007-12-03 2009-06-04 Gtech Corporation Providing centralized services to game operators
US7949579B2 (en) * 2007-12-07 2011-05-24 Jpmorgan Chase Bank, N.A. System and method for associating financial transaction data with a user's project data
US9773247B1 (en) 2007-12-07 2017-09-26 Jpmorgan Chase Bank, N.A. Adaptive and customizable account interface system and method
US8447666B1 (en) 2009-02-19 2013-05-21 Jpmorgan Chase Bank, N.A. System and method for associating financial transaction data with user's project data using a portable electronic device
US8160941B1 (en) 2007-12-07 2012-04-17 Jpmorgan Chase Bank, N.A. Interactive account management system and method
US7958052B2 (en) * 2007-12-31 2011-06-07 Mastercard International Incorporated Methods and systems for cardholder initiated transactions
US8622308B1 (en) 2007-12-31 2014-01-07 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
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
US7979894B2 (en) * 2008-01-08 2011-07-12 First Data Corporation Electronic verification service systems and methods
US7726579B2 (en) * 2008-01-10 2010-06-01 Sony Corporation In-chassis TV chip with dynamic purse
GB2468817A (en) 2008-01-15 2010-09-22 Visa Usa Inc System and method for data completion including push identifier
WO2009092114A1 (en) * 2008-01-18 2009-07-23 Cashedge Inc. Real-time settlement of financial transactions using electronic fund transfer networks
US8321682B1 (en) 2008-01-24 2012-11-27 Jpmorgan Chase Bank, N.A. System and method for generating and managing administrator passwords
US7720764B2 (en) * 2008-02-01 2010-05-18 Kenneth James Emerson Method, device, and system for completing on-line financial transaction
US9015074B2 (en) 2008-02-01 2015-04-21 Mazooma Technical Services, Inc. Device and method for facilitating financial transactions
US8135640B2 (en) * 2008-02-27 2012-03-13 Anthony Jeremiah Bayne System and method for making a synthetic cash advance using a purchase payment exchange
CA2659530A1 (en) * 2008-03-20 2009-09-20 Modasolutions Corporation Risk detection and assessment of cash payment for electronic purchase transactions
US20090240620A1 (en) * 2008-03-24 2009-09-24 Propay Usa, Inc. Secure payment system
US8620826B2 (en) * 2008-03-27 2013-12-31 Amazon Technologies, Inc. System and method for receiving requests for tasks from unregistered devices
US8204827B1 (en) 2008-03-27 2012-06-19 Amazon Technologies, Inc. System and method for personalized commands
US8244592B2 (en) * 2008-03-27 2012-08-14 Amazon Technologies, Inc. System and method for message-based purchasing
WO2009135225A1 (en) * 2008-05-02 2009-11-05 Cashedge, Inc. Multi-product-multi-channel payment platform system and method
WO2009143084A1 (en) 2008-05-18 2009-11-26 Zetawire, Inc. Secured electronic transaction system
US8185472B1 (en) 2008-06-18 2012-05-22 Bank Of America Corporation Enrollment into an online banking system
US9324098B1 (en) 2008-07-22 2016-04-26 Amazon Technologies, Inc. Hosted payment service system and method
WO2010012090A2 (en) 2008-07-28 2010-02-04 Digifonica (International) Limited Mobile gateway
US8069121B2 (en) * 2008-08-04 2011-11-29 ProPay Inc. End-to-end secure payment processes
US20080313063A1 (en) * 2008-08-05 2008-12-18 Websites By Jove., An Llc Expense Report Generation From Confirmation Emails
US8744959B2 (en) * 2008-08-13 2014-06-03 Moneygram International, Inc. Electronic bill payment with variable payment options
CA2639008A1 (en) * 2008-08-18 2010-02-18 Kamaljit Deol Brar Actionable cards, related content and social marketing
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US8112355B1 (en) 2008-09-05 2012-02-07 Jpmorgan Chase Bank, N.A. Method and system for buyer centric dispute resolution in electronic payment system
US10970777B2 (en) * 2008-09-15 2021-04-06 Mastercard International Incorporated Apparatus and method for bill payment card enrollment
US9747621B1 (en) 2008-09-23 2017-08-29 Amazon Technologies, Inc. Widget-based integration of payment gateway functionality into transactional sites
US8391584B2 (en) 2008-10-20 2013-03-05 Jpmorgan Chase Bank, N.A. Method and system for duplicate check detection
US9092447B1 (en) 2008-10-20 2015-07-28 Jpmorgan Chase Bank, N.A. Method and system for duplicate detection
US8850532B2 (en) 2008-10-31 2014-09-30 At&T Intellectual Property I, L.P. Systems and methods to control access to multimedia content
CA2742963A1 (en) 2008-11-06 2010-05-14 Visa International Service Association Online challenge-response
US7827108B2 (en) * 2008-11-21 2010-11-02 Visa U.S.A. Inc. System and method of validating a relationship between a user and a user account at a financial institution
US9373122B2 (en) * 2008-12-18 2016-06-21 Iii Holdings 1, Llc Methods, apparatus and computer program products for securely accessing account data
GB2466676A (en) 2009-01-06 2010-07-07 Visa Europe Ltd A method of processing payment authorisation requests
US8028897B2 (en) * 2009-01-07 2011-10-04 Bank Of America Corporation Deposit of coins into a financial account
GB2466810A (en) 2009-01-08 2010-07-14 Visa Europe Ltd Processing payment authorisation requests
US8255323B1 (en) 2009-01-09 2012-08-28 Apple Inc. Motion based payment confirmation
US8140418B1 (en) 2009-01-09 2012-03-20 Apple Inc. Cardholder-not-present authorization
US8127982B1 (en) 2009-01-09 2012-03-06 Apple Inc. Parental controls
US8290865B2 (en) * 2009-02-06 2012-10-16 Visa International Service Association Push payment system and method including billing file exchange
US9721238B2 (en) 2009-02-13 2017-08-01 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
US9280771B2 (en) * 2009-02-13 2016-03-08 International Business Machines Corporation Secure personal information profile
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US8103553B2 (en) * 2009-06-06 2012-01-24 Bullock Roddy Mckee Method for making money on internet news sites and blogs
US20100332337A1 (en) * 2009-06-25 2010-12-30 Bullock Roddy Mckee Universal one-click online payment method and system
US8065193B2 (en) * 2009-06-06 2011-11-22 Bullock Roddy Mckee Method for making money on the internet
US8281724B2 (en) 2009-06-09 2012-10-09 Deere & Company Volumetric metering system with sectional shut-off
US8255296B2 (en) 2009-06-11 2012-08-28 Interest Capturing Systems, Llc System for implementing a security issuer rights management process over a distributed communications network, deployed in a financial marketplace
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US9996825B1 (en) 2009-08-20 2018-06-12 Apple Inc. Electronic device enabled payments
US8638939B1 (en) 2009-08-20 2014-01-28 Apple Inc. User authentication on an electronic device
US8468580B1 (en) 2009-08-20 2013-06-18 Apple Inc. Secure communication between trusted parties
US8463706B2 (en) * 2009-08-24 2013-06-11 Visa U.S.A. Inc. Coupon bearing sponsor account transaction authorization
PL2478678T3 (en) 2009-09-17 2016-05-31 Digifonica Int Ltd Uninterrupted transmission of internet protocol transmissions during endpoint changes
US8250582B2 (en) * 2009-09-25 2012-08-21 International Business Machines Corporation Chargeback reduction planning for information technology management
US8515792B2 (en) * 2009-09-25 2013-08-20 International Business Machines Corporation Method and system for chargeback allocation in information technology systems
US8423453B1 (en) 2009-10-07 2013-04-16 Capital One Financial Corporation Systems and methods for processing a transaction
US8676639B2 (en) * 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US8280788B2 (en) 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
US8583552B2 (en) * 2009-11-16 2013-11-12 Bank Of America Corporation Processing payment transactions between enterprise resource planning systems
US8196534B2 (en) 2009-12-03 2012-06-12 Deere & Company Volumetric metering system with clutch based sectional shut-off
US20110137740A1 (en) 2009-12-04 2011-06-09 Ashmit Bhattacharya Processing value-ascertainable items
US11928696B2 (en) * 2009-12-16 2024-03-12 E2Interactive, Inc. Systems and methods for generating a virtual value item for a promotional campaign
US8386381B1 (en) 2009-12-16 2013-02-26 Jpmorgan Chase Bank, N.A. Method and system for detecting, monitoring and addressing data compromises
US9092763B2 (en) 2009-12-30 2015-07-28 Moneygram International, Inc. Retail sale money transfer system
US20110184840A1 (en) * 2010-01-27 2011-07-28 Ebay Inc. Systems and methods for facilitating account verification over a network
US8364594B2 (en) * 2010-03-09 2013-01-29 Visa International Service Association System and method including security parameters used for generation of verification value
WO2011112396A2 (en) 2010-03-09 2011-09-15 Visa International Service Association System and method including customized linkage rules in payment transactions
US20110225088A1 (en) * 2010-03-12 2011-09-15 The Western Union Company Receiver-based funds transfer
US8447641B1 (en) 2010-03-29 2013-05-21 Jpmorgan Chase Bank, N.A. System and method for automatically enrolling buyers into a network
US8336088B2 (en) 2010-04-19 2012-12-18 Visa International Service Association Alias management and value transfer claim processing
US8850219B2 (en) * 2010-05-13 2014-09-30 Salesforce.Com, Inc. Secure communications
US10068287B2 (en) 2010-06-11 2018-09-04 David A. Nelsen Systems and methods to manage and control use of a virtual card
US8590779B2 (en) 2010-06-29 2013-11-26 Visa International Service Association Value token conversion
US8554631B1 (en) 2010-07-02 2013-10-08 Jpmorgan Chase Bank, N.A. Method and system for determining point of sale authorization
US8566243B1 (en) * 2010-07-15 2013-10-22 Cellco Partnership Secure E-mail billing
US8510188B2 (en) * 2010-07-28 2013-08-13 The Western Union Company Receiver driven money transfer alert system
US20120066122A1 (en) * 2010-09-15 2012-03-15 Goldberg Robert H Digital Currency Gift Cards and Their Methods of Production
US10043180B2 (en) 2010-09-30 2018-08-07 The Western Union Company System and method for secure transactions at a mobile device
US8589288B1 (en) 2010-10-01 2013-11-19 Jpmorgan Chase Bank, N.A. System and method for electronic remittance of funds
US8831975B2 (en) 2010-10-01 2014-09-09 Shoprunner, Inc. System and method for subscription-based delivery service
US9483786B2 (en) 2011-10-13 2016-11-01 Gift Card Impressions, LLC Gift card ordering system and method
US9031869B2 (en) 2010-10-13 2015-05-12 Gift Card Impressions, LLC Method and system for generating a teaser video associated with a personalized gift
US20120095912A1 (en) * 2010-10-15 2012-04-19 Western Union Financial Services, Inc. Systems and methods for electronic purchase transaction processing
WO2012054786A1 (en) 2010-10-20 2012-04-26 Playspan Inc. Flexible monetization service apparatuses, methods and systems
CA2815428C (en) 2010-11-01 2019-09-24 Coinstar, Inc. Gift card exchange kiosks and associated methods of use
US9965756B2 (en) * 2013-02-26 2018-05-08 Digimarc Corporation Methods and arrangements for smartphone payments
US10176477B2 (en) 2010-11-16 2019-01-08 Mastercard International Incorporated Methods and systems for universal payment account translation
US9292870B2 (en) * 2010-12-13 2016-03-22 Qualcomm Incorporated System and method for point of service payment acceptance via wireless communication
US8352749B2 (en) 2010-12-17 2013-01-08 Google Inc. Local trusted services manager for a contactless smart card
US8335921B2 (en) 2010-12-17 2012-12-18 Google, Inc. Writing application data to a secure element
US9691055B2 (en) 2010-12-17 2017-06-27 Google Inc. Digital wallet
US8807440B1 (en) 2010-12-17 2014-08-19 Google Inc. Routing secure element payment requests to an alternate application
US10204327B2 (en) 2011-02-05 2019-02-12 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
US9953334B2 (en) 2011-02-10 2018-04-24 Visa International Service Association Electronic coupon issuance and redemption apparatuses, methods and systems
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
BR112013021059A2 (en) 2011-02-16 2020-10-27 Visa International Service Association Snap mobile payment systems, methods and devices
BR112013021057A2 (en) 2011-02-22 2020-11-10 Visa International Service Association universal electronic payment devices, methods and systems
WO2012116221A1 (en) 2011-02-23 2012-08-30 Mastercard International, Inc. Demand deposit account payment system
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
WO2012122060A1 (en) 2011-03-04 2012-09-13 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
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
US8266058B1 (en) * 2011-03-31 2012-09-11 International Business Machines Corporation Virtual accounts linked to financial accounts
CA2831080A1 (en) * 2011-04-07 2013-07-18 Fotec Group Llc Broker-mediated payment systems and methods
WO2012142131A2 (en) * 2011-04-11 2012-10-18 Visa International Service Association Interoperable financial transactions via mobile devices
US10592792B2 (en) 2011-04-14 2020-03-17 Handle Financial, Inc. Systems and methods for barcode translation
US10230564B1 (en) 2011-04-29 2019-03-12 Amazon Technologies, Inc. Automatic account management and device registration
WO2012155081A1 (en) 2011-05-11 2012-11-15 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US20120290473A1 (en) * 2011-05-13 2012-11-15 Bradley Richard Ree Systems and methods for managing transaction data
WO2012167202A2 (en) 2011-06-03 2012-12-06 Visa International Service Association Virtual wallet card selection apparatuses, methods and systems
US8645272B2 (en) 2011-06-24 2014-02-04 Western Union Financial Services, Inc. System and method for loading stored value accounts
US20130006785A1 (en) * 2011-07-01 2013-01-03 Richard Scott Perkins System and method to facilitate settlement of a transaction
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
WO2013006725A2 (en) 2011-07-05 2013-01-10 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US8799089B1 (en) * 2011-08-24 2014-08-05 German Efrain Gonzalez Loyo Virtual payment system for the physical world
US20130060694A1 (en) * 2011-09-06 2013-03-07 Rawllin International Inc. Unified account handling system
US8255687B1 (en) 2011-09-15 2012-08-28 Google Inc. Enabling users to select between secure service providers using a key escrow service
US8171525B1 (en) 2011-09-15 2012-05-01 Google Inc. Enabling users to select between secure service providers using a central trusted service manager
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US8313036B1 (en) 2011-09-16 2012-11-20 Google Inc. Secure application directory
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US10339525B2 (en) 2011-10-27 2019-07-02 Boom! Payments, Inc. Confirming local marketplace transaction consummation for online payment consummation
US8271394B1 (en) * 2011-10-27 2012-09-18 Bogaard Erik T Confirming local marketplace transaction consummation for online payment consummation
US20160140566A1 (en) 2011-11-13 2016-05-19 Google Inc. Secure transmission of payment credentials
US8874467B2 (en) 2011-11-23 2014-10-28 Outerwall Inc Mobile commerce platforms and associated systems and methods for converting consumer coins, cash, and/or other forms of value for use with same
US20130144734A1 (en) * 2011-12-06 2013-06-06 Richard Scott Perkins Money transfer system using pre-funded escrow
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
WO2013090611A2 (en) 2011-12-13 2013-06-20 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10417677B2 (en) 2012-01-30 2019-09-17 Gift Card Impressions, LLC Group video generating system
US10360578B2 (en) 2012-01-30 2019-07-23 Visa International Service Association Systems and methods to process payments based on payment deals
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US9129294B2 (en) 2012-02-06 2015-09-08 Outerwall Inc. Coin counting machines having coupon capabilities, loyalty program capabilities, advertising capabilities, and the like
US8712914B2 (en) * 2012-02-23 2014-04-29 Mastercard International Incorporated Method and system for facilitating micropayments in a financial transaction system
US8385553B1 (en) 2012-02-28 2013-02-26 Google Inc. Portable secure element
US9460436B2 (en) 2012-03-16 2016-10-04 Visa International Service Association Systems and methods to apply the benefit of offers via a transaction handler
US9922338B2 (en) 2012-03-23 2018-03-20 Visa International Service Association Systems and methods to apply benefit of offers
US9495690B2 (en) 2012-04-04 2016-11-15 Visa International Service Association Systems and methods to process transactions and offers via a gateway
US8429409B1 (en) 2012-04-06 2013-04-23 Google Inc. Secure reset of personal and service provider information on mobile devices
KR101873530B1 (en) 2012-04-10 2018-07-02 삼성전자주식회사 Mobile system, method of processing an input in a mobile system, and electronic payment method using a mobile system
US9626701B2 (en) 2012-05-23 2017-04-18 Paynearme, Inc. System and method for facilitating cash payment transactions using a mobile device
US20150161578A1 (en) * 2012-06-04 2015-06-11 Nokia Corporation Method and apparatus for providing navigation-centric billing and payment
US9864988B2 (en) 2012-06-15 2018-01-09 Visa International Service Association Payment processing for qualified transaction items
US9710797B2 (en) * 2012-07-18 2017-07-18 @Pay Ip Holdings Llc Email-based e-commerce
USD678653S1 (en) 2012-07-19 2013-03-19 Jpmorgan Chase Bank, N.A. Drive-up financial transaction machine
US9626678B2 (en) 2012-08-01 2017-04-18 Visa International Service Association Systems and methods to enhance security in transactions
US10438199B2 (en) 2012-08-10 2019-10-08 Visa International Service Association Systems and methods to apply values from stored value accounts to payment transactions
US20140058938A1 (en) * 2012-08-27 2014-02-27 Guy LaMonte McClung, III eWallet choice
US20140067620A1 (en) * 2012-08-31 2014-03-06 Mastercard International Incorporated Techniques for purchasing by crediting a merchant's card
US10943432B2 (en) 2012-09-04 2021-03-09 E2Interactive, Inc. Processing of a game-playing transaction based on location
US10229561B2 (en) 2012-09-04 2019-03-12 Linq3 Technologies Llc Processing of a user device game-playing transaction based on location
SG11201501586VA (en) 2012-09-04 2015-04-29 Linq3 Technologies Llc Systems and methods for integrated game play through the use of barcodes on smart phones and hand held devices
US10096008B2 (en) * 2012-09-10 2018-10-09 Mastercard International Incorporated Methods and systems for processing electronic disbursements
US20140074704A1 (en) * 2012-09-11 2014-03-13 Cashstar, Inc. Systems, methods and devices for conducting transactions with electronic passbooks
US8626659B1 (en) 2012-09-28 2014-01-07 Fiserv, Inc. Facilitating presentation of content relating to a financial transaction
US10685367B2 (en) 2012-11-05 2020-06-16 Visa International Service Association Systems and methods to provide offer benefits based on issuer identity
US8732079B1 (en) * 2012-12-10 2014-05-20 Bank Of America Corporation Cloud-based data augmentation
US20140188728A1 (en) 2012-12-31 2014-07-03 Fiserv, Inc. Systems and methods for performing financial transactions
US9704190B2 (en) 2013-02-01 2017-07-11 @Pay Ip Holdings Llc Email checkout system for completing website cart checkout
TWI534731B (en) 2013-02-06 2016-05-21 蘋果公司 Apparatus and methods for secure element transactions and management of assets
US10387858B2 (en) 2013-02-07 2019-08-20 Jpmorgan Chase Bank, N.A. Integrated electronic cash flow management system and method
US10282712B2 (en) 2013-02-07 2019-05-07 Jpmorgan Chase Bank, N.A. Integrated electronic disbursement and cash flow management system and method
US9565911B2 (en) 2013-02-15 2017-02-14 Gift Card Impressions, LLC Gift card presentation devices
US11219288B2 (en) 2013-02-15 2022-01-11 E2Interactive, Inc. Gift card box with slanted tray and slit
US9830588B2 (en) * 2013-02-26 2017-11-28 Digimarc Corporation Methods and arrangements for smartphone payments
USD690074S1 (en) 2013-03-13 2013-09-17 Jpmorgan Chase Bank, N.A. Financial transaction machine
US9582789B2 (en) 2013-03-15 2017-02-28 Google Inc. Payments in communication systems
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US10115268B2 (en) 2013-03-15 2018-10-30 Linq3 Technologies Llc Systems and methods for integrated game play at payment-enabled terminals
US10217107B2 (en) 2013-05-02 2019-02-26 Gift Card Impressions, LLC Stored value card kiosk system and method
US10269009B1 (en) 2013-06-28 2019-04-23 Winklevoss Ip, Llc Systems, methods, and program products for a digital math-based asset exchange
US9892460B1 (en) 2013-06-28 2018-02-13 Winklevoss Ip, Llc Systems, methods, and program products for operating exchange traded products holding digital math-based assets
US10068228B1 (en) 2013-06-28 2018-09-04 Winklevoss Ip, Llc Systems and methods for storing digital math-based assets using a secure portal
US11282139B1 (en) 2013-06-28 2022-03-22 Gemini Ip, Llc Systems, methods, and program products for verifying digital assets held in a custodial digital asset wallet
US10354325B1 (en) 2013-06-28 2019-07-16 Winklevoss Ip, Llc Computer-generated graphical user interface
US20150066762A1 (en) * 2013-08-28 2015-03-05 Geoffrey W. Chatterton Authentication system
US10515368B1 (en) 2013-10-01 2019-12-24 Wells Fargo Bank, N.A. Interbank account verification and funds transfer system and method
US9754260B2 (en) 2013-10-28 2017-09-05 Quisk, Inc. Account locking using transaction codes
US8886570B1 (en) 2013-10-29 2014-11-11 Quisk, Inc. Hacker-resistant balance monitoring
US20150134539A1 (en) * 2013-11-12 2015-05-14 Shashi Kapur System and method of processing point-of-sale payment transactions via mobile devices
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
US9626720B2 (en) 2013-11-25 2017-04-18 Apple Inc. Linked user accounts
CN104616137A (en) * 2013-12-26 2015-05-13 腾讯科技（深圳）有限公司 Security payment method, server and system
US10192407B2 (en) 2014-01-10 2019-01-29 Handle Financial, Inc. Systems and methods for cash payments for online gaming
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
US9256876B2 (en) * 2014-02-03 2016-02-09 Fmr Llc Real-time spend management with savings goals
US9311639B2 (en) 2014-02-11 2016-04-12 Digimarc Corporation Methods, apparatus and arrangements for device to device communication
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US11615401B1 (en) 2014-04-30 2023-03-28 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US10262346B2 (en) 2014-04-30 2019-04-16 Gift Card Impressions, Inc. System and method for a merchant onsite personalization gifting platform
EP3146488A4 (en) * 2014-05-18 2017-05-17 Eftsure Pty Ltd Online payment authentication method & system
US11216815B2 (en) 2014-05-27 2022-01-04 American Express Travel Related Services Company, Inc. Systems and methods for fraud liability shifting
US10255449B2 (en) 2014-05-30 2019-04-09 Apple Inc. Permission request
US10445739B1 (en) 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
US10223693B2 (en) 2014-09-09 2019-03-05 Garrett Cameron Baird System and method for administering billing, servicing messaging and payment in digital wallets
SG10201406521TA (en) 2014-10-10 2016-05-30 Mastercard Asia Pacific Pte Ltd Methods and systems for secure online payment
SG10202002601QA (en) 2014-10-17 2020-05-28 Applied Materials Inc Cmp pad construction with composite material properties using additive manufacturing processes
US10262332B2 (en) * 2014-10-30 2019-04-16 San Diego County Credit Union Integrated internet banking system and method of use
US10185946B2 (en) 2014-12-31 2019-01-22 Fiserv, Inc. Facilitating presentation of content relating to a financial transaction
US9853977B1 (en) 2015-01-26 2017-12-26 Winklevoss Ip, Llc System, method, and program product for processing secure transactions within a cloud computing system
US10762496B2 (en) * 2015-02-06 2020-09-01 Google Llc Providing payment account information associated with a digital wallet account to a user at a merchant point of sale device
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
US11068866B1 (en) 2015-02-17 2021-07-20 Wells Fargo Bank, N.A. Real-time interbank transactions systems and methods
AU2016222920A1 (en) 2015-02-23 2017-08-24 Mastercard International Incorporated Transmitting disbursements from a commercial financial account
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
US10158480B1 (en) 2015-03-16 2018-12-18 Winklevoss Ip, Llc Autonomous devices
US10915891B1 (en) 2015-03-16 2021-02-09 Winklevoss Ip, Llc Autonomous devices
CN104850993A (en) * 2015-06-01 2015-08-19 走遍世界（北京）信息技术有限公司 Payment method and apparatus
CN106104618A (en) * 2015-06-30 2016-11-09 深圳市银信网银科技有限公司 A kind of method setting up interactive relation and interactive device
WO2017012050A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Certificate receiving method, apparatus, and system
US10346819B2 (en) 2015-11-19 2019-07-09 Coinstar Asset Holdings, Llc Mobile device applications, other applications and associated kiosk-based systems and methods for facilitating coin saving
US11868989B1 (en) 2015-12-30 2024-01-09 Wells Fargo Bank, N.A. Mobile wallets and companion smart cards
US10546289B1 (en) 2015-12-30 2020-01-28 Wells Fargo Bank, N.A. Mobile wallets with automatic element selection
CN107133869B (en) * 2016-02-29 2020-11-13 创新先进技术有限公司 Function limiting method and device of transaction system and transaction system
US10902405B1 (en) 2016-05-11 2021-01-26 Wells Fargo Bank, N.A. Transient mobile wallets
US10776787B2 (en) * 2016-09-06 2020-09-15 Mastercard International Incorporated Systems and methods for providing notification services using a digital wallet platform
US11468414B1 (en) 2016-10-03 2022-10-11 Wells Fargo Bank, N.A. Systems and methods for establishing a pull payment relationship
US10552836B2 (en) * 2016-10-11 2020-02-04 Mastercard International Incorporated Method and system for identification of shared devices for fraud modeling
US10373146B2 (en) * 2016-12-29 2019-08-06 Capital One Services, Llc Smart card NFC secure money transfer
US10915881B2 (en) 2017-01-27 2021-02-09 American Express Travel Related Services Company, Inc. Transaction account charge splitting
US11507935B1 (en) 2017-02-14 2022-11-22 Wells Fargo Bank, N.A. Mobile wallet card control
US10609156B2 (en) 2017-04-03 2020-03-31 Bank Of America Corporation Data transfer, over session or connection, and between computing device and server associated with one or more routing networks in response to detecting activity
US10601718B2 (en) 2017-04-03 2020-03-24 Bank Of America Corporation Data transfer, over session or connection, and between computing device and server associated with a routing network for modifying one or more parameters of the routing network
US10608918B2 (en) 2017-04-03 2020-03-31 Bank Of America Corporation Data transfer, over session or connection, and between computing device and one or more servers to determine likelihood of user device using a routing network
US10716060B2 (en) 2017-04-03 2020-07-14 Bank Of America Corporation Data transfer between computing device and user device at different locations and over session or connection to display one or more routing networks to use
US10601934B2 (en) 2017-04-03 2020-03-24 Bank Of America Corporation Data transfer, over session or connection, and between computing device and one or more servers for transmitting data to a third party computing device
US10430769B2 (en) 2017-05-05 2019-10-01 Bank Of America Corporation System for atypical third party channel utilization for resource distribution completion
MA51727A (en) * 2017-05-11 2020-12-16 Gaurav Sharma SECURE PAYMENT PROCESS
US11080685B1 (en) 2017-06-12 2021-08-03 Weils Fargo Bank, N.A. Direct payment authorization path
US10817356B2 (en) 2017-10-11 2020-10-27 Bank Of America Corporation Entity resource distribution channel manipulation
US10530780B2 (en) 2017-10-11 2020-01-07 Bank Of America Corporation Entity validation for resource distribution location
US10579440B2 (en) 2017-11-07 2020-03-03 Bank Of America Corporation Virtual resource control and distribution
US10320662B1 (en) 2017-11-17 2019-06-11 Bank Of America Corporation Centralized resource routing and distribution
US10954049B2 (en) 2017-12-12 2021-03-23 E2Interactive, Inc. Viscous liquid vessel for gifting
US11282051B1 (en) 2018-01-05 2022-03-22 Wells Fargo Bank, N.A. ATM bill pay
US11741470B1 (en) 2018-01-05 2023-08-29 Wells Fargo Bank, N.A. ATM third party products and services
US11379839B1 (en) 2018-01-05 2022-07-05 Wells Fargo Bank, N.A. Third party products and services via ATM
US11270277B1 (en) 2018-01-05 2022-03-08 Wells Fargo Bank, N.A ATM bill pay
US10929842B1 (en) 2018-03-05 2021-02-23 Winklevoss Ip, Llc System, method and program product for depositing and withdrawing stable value digital assets in exchange for fiat
US10438290B1 (en) 2018-03-05 2019-10-08 Winklevoss Ip, Llc System, method and program product for generating and utilizing stable value digital assets
US11475442B1 (en) 2018-02-12 2022-10-18 Gemini Ip, Llc System, method and program product for modifying a supply of stable value digital asset tokens
US11522700B1 (en) 2018-02-12 2022-12-06 Gemini Ip, Llc Systems, methods, and program products for depositing, holding and/or distributing collateral as a token in the form of digital assets on an underlying blockchain
US11139955B1 (en) 2018-02-12 2021-10-05 Winklevoss Ip, Llc Systems, methods, and program products for loaning digital assets and for depositing, holding and/or distributing collateral as a token in the form of digital assets on an underlying blockchain
US10540654B1 (en) 2018-02-12 2020-01-21 Winklevoss Ip, Llc System, method and program product for generating and utilizing stable value digital assets
US11308487B1 (en) 2018-02-12 2022-04-19 Gemini Ip, Llc System, method and program product for obtaining digital assets
US11909860B1 (en) 2018-02-12 2024-02-20 Gemini Ip, Llc Systems, methods, and program products for loaning digital assets and for depositing, holding and/or distributing collateral as a token in the form of digital assets on an underlying blockchain
US10373129B1 (en) 2018-03-05 2019-08-06 Winklevoss Ip, Llc System, method and program product for generating and utilizing stable value digital assets
US10373158B1 (en) 2018-02-12 2019-08-06 Winklevoss Ip, Llc System, method and program product for modifying a supply of stable value digital asset tokens
US11200569B1 (en) 2018-02-12 2021-12-14 Winklevoss Ip, Llc System, method and program product for making payments using fiat-backed digital assets
US11295297B1 (en) 2018-02-26 2022-04-05 Wells Fargo Bank, N.A. Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet
US11334883B1 (en) 2018-03-05 2022-05-17 Gemini Ip, Llc Systems, methods, and program products for modifying the supply, depositing, holding and/or distributing collateral as a stable value token in the form of digital assets
US11074577B1 (en) 2018-05-10 2021-07-27 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11775955B1 (en) 2018-05-10 2023-10-03 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11373258B2 (en) * 2018-08-07 2022-06-28 Mastercard International Incorporated Financial institution mortgage portfolio asset inventory auction systems and methods
CN109299974A (en) * 2018-08-29 2019-02-01 上海常仁信息科技有限公司 A kind of periphery shops support system based on robot fixed point location
US10841293B2 (en) 2018-10-02 2020-11-17 Bank Of America Corporation Gateway device for authentication and authorization of applications and/or servers for data transfer between applications and/or servers
US11615407B2 (en) 2019-02-15 2023-03-28 Highradius Corporation Touchless virtual card payment automation
US11282069B2 (en) * 2019-02-15 2022-03-22 Highradius Corporation Touchless virtual card payment automation
US11526867B2 (en) * 2019-02-28 2022-12-13 Stripe, Inc. Push payment decision routing
US11769132B1 (en) 2019-05-22 2023-09-26 Wells Fargo Bank, N.A. P2P payments via integrated 3rd party APIs
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
US20200387971A1 (en) 2019-06-10 2020-12-10 Bank Of America Corporation Ancillary channel communications service
US11501370B1 (en) 2019-06-17 2022-11-15 Gemini Ip, Llc Systems, methods, and program products for non-custodial trading of digital assets on a digital asset exchange
CN110580623A (en) * 2019-08-02 2019-12-17 浙江融易区块链科技有限公司 method for self-establishing account system
US11423375B2 (en) 2019-10-30 2022-08-23 Mastercard International Incorporated Systems and methods for bill payment using transaction cards within a financial institution payment platform
WO2021150926A1 (en) * 2020-01-22 2021-07-29 Rockspoon, Inc. System and method for third-party food and dining ordering control
US11645643B2 (en) 2020-09-29 2023-05-09 Bank Of America Corporation System for harnessing a connected network to securely verify a transaction
US11336587B1 (en) 2021-03-11 2022-05-17 Bank Of America Corporation Electronic system for generation and management of controlled-use resources
US11792165B2 (en) 2021-06-04 2023-10-17 Bank Of America Corporation Supporting data processing transactions using machine to machine (M2M) data transfer
US11784981B2 (en) 2021-06-04 2023-10-10 Bank Of America Corporation Data processing transactions using machine to machine (M2M) data transfer
US11265370B1 (en) 2021-07-27 2022-03-01 Bank Of America Corporation Machine to machine (M2M) data transfer between data servers
US20230068700A1 (en) * 2021-08-27 2023-03-02 Visa International Service Association System, Method, and Computer Program Product for Transaction Based Activation
US11481758B1 (en) * 2021-10-14 2022-10-25 Alipay Labs (singapore) Pte. Ltd. Online payment system via existing payment channel of merchants

Family Cites Families (102)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3852571A (en) 1970-05-18 1974-12-03 Hempstead Bank System of transferral of funds
CH556068A (en) * 1972-01-03 1974-11-15 Sodeco Compteurs De Geneve IDENTIFICATION CARD READER.
EP0021808A1 (en) 1979-06-25 1981-01-07 Terrence William Norris Lifting and transporting apparatus
US4321672A (en) 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
US5108921A (en) * 1989-04-03 1992-04-28 Purdue Research Foundation Method for enhanced transmembrane transport of exogenous molecules
ZA907106B (en) 1989-10-06 1991-09-25 Net 1 Products Pty Ltd Funds transfer system
US5220501A (en) 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5870724A (en) 1989-12-08 1999-02-09 Online Resources & Communications Corporation Targeting advertising in a home retail banking delivery service
US5287269A (en) 1990-07-09 1994-02-15 Boardwalk/Starcity Corporation Apparatus and method for accessing events, areas and activities
US5453601A (en) 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5477038A (en) 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
US5920847A (en) 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
AUPM350794A0 (en) 1994-01-25 1994-02-17 Dynamic Data Systems Pty Ltd Funds transaction device
US5461217A (en) 1994-02-08 1995-10-24 At&T Ipm Corp. Secure money transfer techniques using smart cards
US5870456A (en) 1997-01-22 1999-02-09 Telepay, Inc. Automated interactive bill payment system using debit cards
US5799087A (en) 1994-04-28 1998-08-25 Citibank, N.A. Electronic-monetary system
US5649117A (en) * 1994-06-03 1997-07-15 Midwest Payment Systems System and method for paying bills and other obligations including selective payor and payee controls
US5577109A (en) 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
US5511114A (en) 1994-06-06 1996-04-23 Call Processing, Inc. Telephone pre-paid calling card system and method
JP3267802B2 (en) * 1994-06-06 2002-03-25 パイオニア株式会社 Receiver with automatic receiving station switching function
US5826241A (en) 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US6950810B2 (en) * 1994-11-28 2005-09-27 Indivos Corporation Tokenless biometric electronic financial transactions via a third party identicator
US6269348B1 (en) * 1994-11-28 2001-07-31 Veristar Corporation Tokenless biometric electronic debit and credit transactions
US5732136A (en) 1995-01-31 1998-03-24 Realsource Communications, Inc. Merchant specific debit card verification system
US5650604A (en) 1995-02-22 1997-07-22 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
US5826245A (en) 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
US5727163A (en) 1995-03-30 1998-03-10 Amazon.Com, Inc. Secure method for communicating credit card data when placing an order on a non-secure network
US5590197A (en) 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5677955A (en) 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5546523A (en) 1995-04-13 1996-08-13 Gatto; James G. Electronic fund transfer system
US5832460A (en) 1995-06-02 1998-11-03 International Business Machines Corporation Method and system for bill presentation and payment reconciliation
US5696908A (en) 1995-06-07 1997-12-09 Southeast Phonecard, Inc. Telephone debit card dispenser and method
US5692132A (en) 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
US5745886A (en) 1995-06-07 1998-04-28 Citibank, N.A. Trusted agents for open distribution of electronic money
FR2735261B1 (en) 1995-06-08 1997-07-11 France Telecom METHOD OF MAKING A PAYMENT USING AN ACCOUNT MANAGER
US5742845A (en) 1995-06-22 1998-04-21 Datascape, Inc. System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network
US5825003A (en) 1995-07-24 1998-10-20 Citicorp Development Center Customer-directed, automated process for transferring funds between accounts using a holding account and local processing
WO1997014044A1 (en) * 1995-10-11 1997-04-17 The Nippon Signal Co., Ltd. Counter and a revolution stop detection apparatus using the counter
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5757917A (en) 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
FI102860B (en) 1995-11-07 1999-02-26 Nokia Telecommunications Oy Procedure and apparatus for transmitting an electronic payment
US5796832A (en) 1995-11-13 1998-08-18 Transaction Technology, Inc. Wireless transaction and information system
US5673309A (en) 1995-11-17 1997-09-30 Avery Dennison Corporation ATM phone card system
US5943423A (en) 1995-12-15 1999-08-24 Entegrity Solutions Corporation Smart token system for secure electronic transactions and identification
US6138107A (en) * 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network
EP0790588A1 (en) 1996-02-12 1997-08-20 Koninklijke KPN N.V. Method of securely storing and retrieving monetary data
US5815657A (en) 1996-04-26 1998-09-29 Verifone, Inc. System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
FI115691B (en) * 1996-04-26 2005-06-15 Nokia Corp home terminal
AU731516B2 (en) 1996-05-10 2001-03-29 David M. Barcelou Automated transaction machine
EP0807910B1 (en) * 1996-05-16 2008-06-04 Nippon Telegraph And Telephone Corporation Electronic cash implementing method with a surveillance institution, and user apparatus and surveillance institution apparatus for implementing the same
EP0960402B1 (en) 1996-06-19 2007-09-26 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
AUPO201196A0 (en) 1996-08-29 1996-09-19 Xcellink Corporation Funds transfer system and method
US5991749A (en) 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
CA2267951C (en) 1996-10-09 2003-12-30 Visa International Service Association Electronic statement presentment system
US6070150A (en) * 1996-10-18 2000-05-30 Microsoft Corporation Electronic bill presentment and payment system
SE512401C2 (en) 1996-10-29 2000-03-13 Douglas Blenkinsop Device for transporting skis
US5952638A (en) 1996-11-25 1999-09-14 Xerox Corporation Space efficient method of electronic payments
US6311170B1 (en) 1996-12-04 2001-10-30 Mark C. Embrey Method and apparatus for making payments and delivering payment information
US5937396A (en) 1996-12-04 1999-08-10 Konya; Arpad System for ATM/ATM transfers
US5798508A (en) 1996-12-09 1998-08-25 Walker Asset Management, L.P. Postpaid traveler's checks
US6285991B1 (en) 1996-12-13 2001-09-04 Visa International Service Association Secure interactive electronic account statement delivery system
AU6237698A (en) 1996-12-20 1998-09-09 Financial Services Technology Consortium Method and system for processing electronic documents
US6164528A (en) 1996-12-31 2000-12-26 Chequemark Patent, Inc. Check writing point of sale system
US5864830A (en) 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card
US5963647A (en) 1997-02-14 1999-10-05 Citicorp Development Center, Inc. Method and system for transferring funds from an account to an individual
US5996076A (en) * 1997-02-19 1999-11-30 Verifone, Inc. System, method and article of manufacture for secure digital certification of electronic commerce
US5920487A (en) 1997-03-03 1999-07-06 Motorola Inc. Two dimensional lithographic proximity correction using DRC shape functions
US6112984A (en) 1997-03-14 2000-09-05 Snavely; John D. Electronic wallet or purse with means for funds transfer
US6032135A (en) 1997-04-29 2000-02-29 Diebold, Incorporated Electronic purse card value system terminal programming system and method
US6012048A (en) 1997-05-30 2000-01-04 Capital Security Systems, Inc. Automated banking system for dispensing money orders, wire transfer and bill payment
US5949044A (en) 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
IL121192A0 (en) 1997-06-30 1997-11-20 Ultimus Ltd Processing system and method for a heterogeneous electronic cash environment
US5903878A (en) 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
US6292789B1 (en) 1997-08-26 2001-09-18 Citibank, N.A. Method and system for bill presentment and payment
JP3137052B2 (en) 1997-09-25 2001-02-19 日本電気株式会社 Internet payment method
US6304860B1 (en) * 1997-10-03 2001-10-16 Joseph B. Martin, Jr. Automated debt payment system and method using ATM network
US6105008A (en) 1997-10-16 2000-08-15 Visa International Service Association Internet loading system using smart card
US20040049457A1 (en) * 1997-12-19 2004-03-11 Garrison David Lee Payment remittance processing when account scheming fails
US6112964A (en) * 1998-02-17 2000-09-05 Jac Products, Inc. Vehicle article carrier having single side releasable locking mechanism
US6078907A (en) * 1998-02-18 2000-06-20 Lamm; David Method and system for electronically presenting and paying bills
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
US6092053A (en) * 1998-10-07 2000-07-18 Cybercash, Inc. System and method for merchant invoked electronic commerce
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
CA2910997A1 (en) 1999-04-30 2000-11-09 Paypal, Inc. System and method for electronically exchanging value among distributed users
US6609113B1 (en) 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US7685067B1 (en) 1999-05-14 2010-03-23 Amazon.Com, Inc. Computer-assisted funds transfer system
US7158948B1 (en) * 1999-06-10 2007-01-02 International Business Machines Corporation Method and apparatus for encoding transactions for goods and services using an e-receipt
US6711170B1 (en) * 1999-08-31 2004-03-23 Mosaid Technologies, Inc. Method and apparatus for an interleaved non-blocking packet buffer
WO2001033522A1 (en) * 1999-11-05 2001-05-10 American Express Travel Related Services Company, Inc. Systems and methods for facilitating commercial transactions between parties residing at remote locations
US20010037295A1 (en) * 2000-01-31 2001-11-01 Olsen Karl R. Push model internet bill presentment and payment system and method
US7890433B2 (en) * 2000-06-30 2011-02-15 Tara Chand Singhal Private and secure payment system
TW513680B (en) 2000-07-31 2002-12-11 Vcheq Com Pte Ltd An electronic funds transfer system using credit card settlement and financial network infrastructure
US7031939B1 (en) * 2000-08-15 2006-04-18 Yahoo! Inc. Systems and methods for implementing person-to-person money exchange
US20020029193A1 (en) * 2000-09-01 2002-03-07 Infospace, Inc. Method and system for facilitating the transfer of funds utilizing a telephonic identifier
US20020055907A1 (en) 2000-11-08 2002-05-09 Orazio Pater Electronic payment system and method
US7680738B2 (en) * 2000-11-22 2010-03-16 American Express Travel Related Services Company, Inc. System and method for executing cash payments via a computer network
CN1529878A (en) 2001-07-19 2004-09-15 W3��Ѷ���ż���˽�����޹�˾ Mobile electronic funds transfer system and method
US7945511B2 (en) 2004-02-26 2011-05-17 Payment Pathways, Inc. Methods and systems for identity authentication
US7831490B2 (en) 2003-02-28 2010-11-09 Payment Pathways, Inc. Enhanced system for electronic funds transfer and elimination of the payee's need for encryption and privacy
US20080021819A1 (en) * 2006-07-21 2008-01-24 Lehman Brothers Inc. Method and system for an asset-backed commercial paper conduit
CA2659530A1 (en) * 2008-03-20 2009-09-20 Modasolutions Corporation Risk detection and assessment of cash payment for electronic purchase transactions

Also Published As

Publication number Publication date
US8175968B2 (en) 2012-05-08
US8190521B2 (en) 2012-05-29
US8595083B2 (en) 2013-11-26
JP2002543541A (en) 2002-12-17
US20120259770A1 (en) 2012-10-11
US8738521B2 (en) 2014-05-27
MXPA01010813A (en) 2003-09-04
US20130030995A1 (en) 2013-01-31
US8452703B2 (en) 2013-05-28
US20110238571A1 (en) 2011-09-29
AR023844A1 (en) 2002-09-04
US7962409B2 (en) 2011-06-14
US8433652B2 (en) 2013-04-30
WO2000067219A1 (en) 2000-11-09
PE20010145A1 (en) 2001-02-07
CN1351738A (en) 2002-05-29
JO2206B1 (en) 2004-10-07
US8175967B2 (en) 2012-05-08
AU4982000A (en) 2000-11-17
CO5310563A1 (en) 2003-08-29
US20100057552A1 (en) 2010-03-04
US8468092B2 (en) 2013-06-18
EP1177538A1 (en) 2002-02-06
US20110246362A1 (en) 2011-10-06
US20130191277A1 (en) 2013-07-25
CA2371734C (en) 2007-11-20
US8694425B2 (en) 2014-04-08
CA2371734A1 (en) 2000-11-09
US20110208652A1 (en) 2011-08-25
US7676431B2 (en) 2010-03-09
BR0011231A (en) 2002-03-19
US20120185316A1 (en) 2012-07-19
SG123571A1 (en) 2006-07-26
US20120197761A1 (en) 2012-08-02
HK1047813A1 (en) 2003-03-07
US20120239559A1 (en) 2012-09-20
US6609113B1 (en) 2003-08-19
US20030140004A1 (en) 2003-07-24
AU775916B2 (en) 2004-08-19

Similar Documents

Publication Publication Date Title
WO2000067219A8 (en) Method and system for processing internet payments using the electronic funds transfer network
CA2371736A1 (en) A virtual private lock box
US6021943A (en) Process for executing payment transactions
US6594647B1 (en) Real time bank-centric universal payment system
US20020026418A1 (en) Method for providing pre-paid anonymous electronic debit card compatible with existing network of credit cards
US7599885B2 (en) Many-to-many correspondence: methods and systems for replacing interbank funds transfers
WO2004078710A3 (en) An enhanced system for electronic funds transfer and elimination of the payee’s need for encryption and privacy
WO2001063375A3 (en) Mobile transaction system and method
WO2008097413A1 (en) Prepaid foreign currency transaction platform
CA2401980A1 (en) Transaction processing system and method of operation thereof
KR101689815B1 (en) Financial transaction service system using virtual sharing account
US20030014362A1 (en) System for managing inter-company settlement and the method therefor
AU2001257244A1 (en) Many-to-many correspondence: methods and systems for replacing interbank funds transfers
KR100883124B1 (en) A method and system for transferring funds
KR20000017910A (en) Prompt decision system for credit card
Weiner Electronic payments in the US economy: an overview
US6889200B2 (en) Rapid tax collection system and method for debit-type transactions
KR101922912B1 (en) Cryptocurrency prepaid card transaction method and system
Ozuru et al. The use of traditional payments and electronic payment systems in Nigeria: A discourse
CA2421514A1 (en) Interbank process
Yaakub et al. Application of Online Payment at Pusat Zakat Negeri Sembilan
WO2001061662A3 (en) Accessing information for multiple financial accounts via the internet
KR101922913B1 (en) Cryptocurrency prepaid card transaction method and system
CN1338693A (en) Instantaneous network payment system
ECSP003465A (en) METHOD AND SYSTEM FOR PROCESSING INTERNET PAYMENTS USING THE ELECTRONIC FUNDS TRANSFER NETWORK

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 00807214.0

Country of ref document: CN

AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
AK Designated states

Kind code of ref document: C1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: C1

Designated state(s): GH GM KE LS MW SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

CFP Corrected version of a pamphlet front page
CR1 Correction of entry in section i

Free format text: PAT. BUL. 45/2000 UNDER (30) REPLACE "60/161300, 26.10.99, US" BY "60/161300, 22.10.99, US"

WWE Wipo information: entry into national phase

Ref document number: 49820/00

Country of ref document: AU

WWE Wipo information: entry into national phase

Ref document number: PA/a/2001/010813

Country of ref document: MX

ENP Entry into the national phase

Ref document number: 2371734

Country of ref document: CA

Ref document number: 2371734

Country of ref document: CA

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: 2000932035

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: IN/PCT/2001/1511/CHE

Country of ref document: IN

ENP Entry into the national phase

Ref document number: 2000 615983

Country of ref document: JP

Kind code of ref document: A

WWP Wipo information: published in national office

Ref document number: 2000932035

Country of ref document: EP

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

WWG Wipo information: grant in national office

Ref document number: 49820/00

Country of ref document: AU