Abstract: Embodiments of the invention are directed to a relationship payment system that allows the establishment of a linked relationship between a primary account of a primary user and a secondary account of a secondary user. The relationship payment system allows a primary user to designate a portion of a credit limit of a primary user's account to grant to a secondary user's account. Transactions are authorized against secondary user's account, and then ultimately clearing and settlement for the transactions is conducted against the primary user's account.

Abstract: The utility of a portable consumer device is extended by allowing account holders the ability to gain entry into access-controlled venues using a portable consumer device that is associated with an account that was used to purchase the admission or tickets to the event at the access-controlled venue. Merchandise or other goods and services may be pre-purchased by the consumer. Pre-purchasing may occur at the time that the price of admission is paid or before entry into the venue. The portable consumer device may be validated at the entrance to the access-controlled venue. After the consumer's entry into the venue, an arrival notification alert may be triggered to provide additional goods or services. For example, when a consumer successfully enters the venue using the consumer portable device, the pre-purchased items may be delivered to the consumer location at a specific time.

Abstract: A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.

Abstract: The utility of a portable consumer device is extended by allowing account holders the ability to gain entry into access-controlled venues using a portable consumer device that is associated with an account that was used to purchase the admission or tickets to the event at the access-controlled venue. Merchandise or other goods and services may be pre-purchased by the consumer. Pre-purchasing may occur at the time that the price of admission is paid or before entry into the venue. The portable consumer device may be validated at the entrance to the access-controlled venue. After the consumer's entry into the venue, an arrival notification alert may be triggered to provide additional goods or services. For example, when a consumer successfully enters the venue using the consumer portable device, the pre-purchased items may be delivered to the consumer location at a specific time.

Abstract: A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured to invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Abstract: A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.

Abstract: A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.

Abstract: A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured to invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Abstract: A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Abstract: A payment transfer method for transferring funds from a payer to payee is provided, including designating a payee and specifying a payment amount and an account; debiting the funds from the account and crediting a first trust account; and identifying the payee by verifying responses received in response to one or more challenge-response questions defined by the payer. If the one or more responses are verified, a second trust account may be debited and a payee account credited with the payment amount. The first and second trust accounts may then be reconciled. There is also provided a payment transfer facility for transferring funds, comprising an application server for storing payment data relating to a transfer of funds and a notification server for providing a notification of the transfer of funds.

Abstract: One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.

Abstract: A payment transfer method for transferring funds from a payer to payee is provided, including designating a payee and specifying a payment amount and an account; debiting the funds from the account and crediting a first trust account; and identifying the payee by verifying responses received in response to one or more challenge-response questions defined by the payer. If the one or more responses are verified, a second trust account may be debited and a payee account credited with the payment amount. The first and second trust accounts may then be reconciled. There is also provided a payment transfer facility for transferring funds, comprising an application server for storing payment data relating to a transfer of funds and a notification server for providing a notification of the transfer of funds.

Abstract: One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.

Abstract: The utility of a portable consumer device is extended by allowing account holders the ability to gain entry into access-controlled venues using a portable consumer device that is associated with an account that was used to purchase the admission or tickets to the event at the access-controlled venue. Merchandise or other goods and services may be pre-purchased by the consumer. Pre-purchasing may occur at the time that the price of admission is paid or before entry into the venue. The portable consumer device may be validated at the entrance to the access-controlled venue. After the consumer's entry into the venue, an arrival notification alert may be triggered to provide additional goods or services. For example, when a consumer successfully enters the venue using the consumer portable device, the pre-purchased items may be delivered to the consumer location at a specific time.

Abstract: A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Abstract: Embodiments of the invention are directed to a relationship payment system that allows the establishment of a linked relationship between a primary account of a primary user and a secondary account of a secondary user. The relationship payment system allows a primary user to designate a portion of a credit limit of a primary user's account to grant to a secondary user's account. Transactions are authorized against secondary user's account, and then ultimately clearing and settlement for the transactions is conducted against the primary user's account.

Abstract: Methods, devices, and systems for charitable giving are disclosed. A consumer can set up a target amount of charitable giving that he or she wishes to pledge during a year, and amounts given toward that goal in various transactions can be summed and compared against the target. A consumer can change his or her target or contribution amounts based on projections toward a year-end date. Customer loyalty points, such as reward points, airline miles, hotel stays, etc. can be converted to cash equivalents and given to charity toward the personal goal if they are about to expire and could be used to meet a targeted charitable amount. Web portals and wireless kiosks located in public areas can accept payments, update users on their gift levels, and generally remind people to contribute to charity.

Abstract: One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.

Abstract: A system and method for managing a rewards program are provided. The method includes receiving information about a consumer, registering the consumer information and creating unique tracking information associated with the consumer. The method further includes receiving a listing of one or more merchants offering an incentive to the consumer, providing the listing to the consumer, receiving input indicative of selection of a merchant, and directing the consumer to a merchant website associated with the selected merchant. Thereafter, the method includes receiving details about an item purchased by the consumer, receiving a total value of an reward for the item purchased by the consumer, calculating a first share of the incentive to be offered to the consumer, and communicating the first share to an issuer of the payment device used by the consumer to be included in a statement provided to the consumer.

Abstract: A payment transfer method for transferring funds from a payer to payee is provided, including designating a payee and specifying a payment amount and an account; debiting the funds from the account and crediting a first trust account; and identifying the payee by verifying responses received in response to one or more challenge-response questions defined by the payer. If the one or more responses are verified, a second trust account may be debited and a payee account credited with the payment amount. The first and second trust accounts may then be reconciled. There is also provided a payment transfer facility for transferring funds, comprising an application server for storing payment data relating to a transfer of funds and a notification server for providing a notification of the transfer of funds.