Abstract: Systems, methods, and apparatus for facilitating the receipt of information by a mobile device are provided by certain embodiments of the invention. A tone may be received by a mobile device from a tone transmission device The tone may include at least one location identifier for information associated with the tone. The at least one location identifier may be extracted from the tone by the mobile device, and a request for additional information associated with the tone may be generated utilizing the at least one location identifier. The generated request may be communicated from the mobile device to an information source, and at least a portion of the information associated with the tone may be received from the information source in response to the request.

Abstract: Systems, methods, and apparatus for facilitating the communication of information to a mobile device in a broadcast signal are provided. A tone may be inserted into a broadcast signal, the tone including at least one location identifier for information associated with the tone. The broadcast signal may be output for communication to a tone transmission device that is operable to communicate the tone to a mobile device. Once received by the mobile device, the at least one location identifier may facilitate the receipt, by the mobile device from an information source, of the information associated with the tone.

Abstract: Systems, methods, and apparatus receiving promotion information by a mobile device are provided by certain embodiments of the invention. According to one embodiment, an information carrying tone may be received at a mobile device from a tone transmission device, wherein the information carrying tone includes at least one location identifier associated with promotion information. A tone processing application of the mobile device may further provide for processing the information carrying tone to extract at least one location identifier, and to transmit, to an information source, an indication responsive to receiving the information carrying tone. Also according to various aspects, following transmission of the indication, promotional information can be received by the mobile device for subsequent processing and utilization, such as an activation confirmation or a redeemable promotion.

Abstract: Systems, methods, and devices for prompting mobile device users for feedback information using tone transmissions are provided. One device may include a network interface, a display, a microphone, and a processor in communication with the network interface, display, and microphone, where the processor is configured to execute computer executable instructions to receive, by the microphone, a tone, where the tone includes a location identifier. The processor is further configured to execute computer executable instructions to extract the location identifier from the tone, and transmit, via the network interface, a signal that includes at least a portion of the location identifier. Moreover, the processor is further configured to execute computer executable instructions to receive, via the network interface, user prompting information associated with the location identifier, and display at least a portion of the user prompting information on the display.

Abstract: Systems, methods, and apparatus providing program information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, program information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the program and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, program information can be communicated to the operator, such as terms and conditions or enrollment information, and it may be determined whether the operator desires to enroll in the respective program or accepts terms and conditions.

Abstract: Systems, methods, and apparatus for facilitating communication between mobile devices are provided by certain embodiments of the invention. A tone may be processed at a first mobile device for transmission to a second mobile device. The tone may include at least one location identifier for information associated with the tone. The tone may be transmitted from the first mobile device to the second mobile device. After receipt by the second mobile device, the at least one location identifier may facilitate the receipt, by the second mobile device from an information source, of the information associated with the tone.

Abstract: Systems, methods, and devices for processing feedback information received from mobile device responding to tone transmission are provided. One system may include a memory for storing computer-executable instructions, and an information source processor in communication with the memory, wherein the processor is configured to execute the computer-executable instructions to associate a location identifier with user prompting information and transmit the location identifier to a tone transmission device, where the location identifier is embedded in a tone. The processor is further configured to execute the computer-executable instructions to receive the location identifier that was sent from a mobile device that received the tone from the tone transmission device, retrieve, from the memory, user prompting information based on the location identifier, and transmit the user prompting information to the mobile device.

Abstract: Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

Abstract: Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made.

Abstract: A fraud detection system can be implemented by a check processor and a financial institution. The check processor can notify the financial institution proximate to the time a check is submitted to a merchant. The financial institution can then assess whether the check is suspicious and, if suspicious, contact the account holder to confirm that the account holder actually wrote the check. The financial institution can make direct contact with the account holder to confirm that the account holder is aware of the check writing activity.

Abstract: Methods and systems are described for processing transactions. The methods and systems enable a consumer to present a customer identifier, such as a merchant loyalty or membership card or other identifier as a payment device at a point of sale. In one implementation, a personal account number is generated by appending a proprietary routing code to a customer registration account number so that the personal account number is formatted for transmission as a payment device number over an electronic funds transfer network. In another implementation, the customer registration account number comprises the proprietary routing code. A preferred payment account identifier is accessed, based on the personal account number, from a database base, and a transaction approval message is constructed comprising the preferred payment account identifier. The account from which payment is made may be a credit account, a demand deposit account, a stored value account, or another kind of account.

Abstract: Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made.

Abstract: Systems and methods are provided for a simplified risk assessment for a promissory transaction when sufficient historical transaction information exists for the check writer. In an embodiment, a computerized method for determining authorization of a financial transaction comprises maintaining a historical transaction value for past transactions associated with related promissory payments, receiving a request from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment, the proffered promissory payment having at least one transaction identifier, accessing the historical transaction value associated with the related promissory payments, and determining based on the historical transaction value whether to authorize the financial transaction based a risk score or whether to authorize the financial transaction based on data stored in a negative database.

Abstract: A system automatically determines authorization of a financial transaction occurring through the presentation of a check card such as a demand deposit account (DDA) card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a member of the merchant's membership program. The system determines an indication of risk for the transaction, based at least in part on the indication that the customer is a member of the merchant's membership program. The financial transaction is authorized when the indication of risk is within at least one parameter.

Abstract: Embodiments of the invention provide methods and systems for handling a check submitted in a transaction. According to one embodiment, a method for handling a check submitted in a transaction can comprise requesting authorization of the transaction from a check processing device based on information from the check and other possible information. For example, authorizing the transaction can comprise requesting authorization of the transaction by an authorization service from the check processing device. In response to the authorization service authorizing the transaction, a notification of the transaction can be received from the check processing device. Image data representing an image of the check can also be received. A reconciliation process can be performed based on the notification and the image data.

Abstract: Systems and methods are described in connection with a financial trustworthiness assessment service that provides an assessment of an individual's financial trustworthiness that is not necessarily on credit bureau information. The financial trustworthiness assessment is based, at least in part, on transaction-level financial information associated with the individual, as well as on other data associated with the individual that may be financially-based or otherwise indicative, alone or in conjunction with other data, of financial trustworthiness. For example, the assessment may be based at least in part on information from one or more repositories of information, including, but not limited to a check authorization database, a demand deposit account database, a consumer credit rating database, public data (such as bankruptcy and marriage records), department of motor vehicle records, and other third party data sources.

Abstract: A system automatically determines authorization of a financial transaction occurring through the presentation of a check card such as a demand deposit account (DDA) card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a member of the merchant's membership program. The system determines an indication of risk for the transaction, based at least in part on the indication that the customer is a member of the merchant's membership program. The financial transaction is authorized when the indication of risk is within at least one parameter.

Abstract: Systems and methods are provided for a simplified risk assessment for a promissory transaction when sufficient historical transaction information exists for the check writer. In an embodiment, a computerized method for determining authorization of a financial transaction comprises maintaining a historical transaction value for past transactions associated with related promissory payments, receiving a request from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment, the proffered promissory payment having at least one transaction identifier, accessing the historical transaction value associated with the related promissory payments, and determining based on the historical transaction value whether to authorize the financial transaction based a risk score or whether to authorize the financial transaction based on data stored in a negative database.