Abstract: A computer system accesses a database to retrieve account balance information for an account held by a user at a financial institution. The computer system generates a screen display to present to the user via a mobile device. The screen display shows the account balance information. The computer system receives, via the mobile device, an indication from the user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient. The computer system transmits the funds to the recipient responsive to receiving the indication.

Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

Abstract: A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.

Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface.

Abstract: A method for processing a transaction initiated using an electronic wallet application may include storing a virtual payment device configured to initiate a transaction. A rewards inquiry may be communicated to an issuer. A rewards inquiry response may be received from the issuer containing a rewards amount associated with the virtual payment device. The rewards amount may be displayed. A transaction may be initiated with a merchant using the virtual payment device. A redemption request may be communicated to the issuer. A redemption response including an updated rewards amount may be received from the issuer and include a difference between the rewards amount and the rewards amount applied toward the transaction. A system and computer program product are also disclosed.

Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.

Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface.

Abstract: A single automated accounting and business analysis system is employed to acquire, organize, record, analyze and plan all the relevant financial and non-financial metrics utilized by an individual or group. This includes all the internally generated metrics and external metrics such as data related to the economy, a particular industry, weather conditions, etc. The system employs heuristics to learn from previous associations and links data based on previous associations.

Abstract: A facility for conveying accrual amounts through an intermediary service is described. The facility permits vendors to each upload unbilled amounts for one or more matters for a client according to vendor-specific matter identifiers. The facility maps the vendor-specific identifiers for the uploaded unbilled amounts to client-specific identifiers. When the facility receives a request from the client to be you unbilled amounts for one or more matters, the facility displays to a client user the unbilled amounts for the requested matters according to the client-specific identifiers associated with the requested matters.

Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.

Abstract: The present disclosure describes a system and method to manage image file storage that includes a memory device to store instructions and at least one processing device to execute the instructions stored in the memory device to determine a blur indication or a burst characteristic for each of a plurality of files stored on a storage medium, automatically identify candidate image files to delete based at least in part on the blur indication or the burst characteristic, and delete at least some of the candidate image files based on receiving a delete indication.

Abstract: Electronic commerce over a computer network is facilitated by a computer system that forms a community of computers that enable the users to buy and sell items in an online marketplace. To list the item on an online marketplace website, for example, the selling user posts an item with a seller marketplace item management website by completing an online-item marketplace item creation form. The form requires input related to the item, such as a description, sale price or minimum bid, shipping instructions, and the like, and an image file or image file location illustrating the marketplace item. The seller marketplace item management server provides a marketplace administrator server the marketplace item data including original image file or image file location. The server contains a random image size generator that generates at least two additional images of the marketplace item for display in a seller marketplace item web page to advertise the marketplace item.

Abstract: The disclosure provides a solution to dynamically configure a connected device using a stock keeping unit (“SKU”) element associated with the connected device. A connected device includes a SKU element which stores identification of multiple service providers. The service provider IDs are associated with configuration templates which facilitate updating a configuration of the connected device with the service providers.

Abstract: Embodiments relate to methods and systems for providing specific GUIs based on real-time data and projected data, such as for management of financial resources in view of future resource forecasts. In an embodiment, a method comprises receiving, electronically by a processor, user data comprising financial source data, income data and expenses data. The method also comprises determining, electronically by the processor, spendable resources based on the received user data. The method also comprises receiving, electronically by the processor, user inputs via an interactive interface of a user device comprising desired expense information. The method further comprises determining, electronically by the processor, an impact of the desired expense information on the spendable resources. And the method also comprises causing to be displayed, electronically by the processor, content associated with the impact on the user device.

Abstract: A system and method for providing a loyalty program by utilizing a pre-existing association network. When a consumer is registered with the program, the consumer's personal information is stored in a database and associated with a token ID. The token is capable of initiating a transaction message request over an association network when used in conjunction with a merchant transaction system. A program manager is provided that includes an association network interface for receiving over the association network the transaction request message initiated by the token at a merchant, where the transaction request message includes a first set of transaction information regarding a consumer-initiated product purchase transaction.

Abstract: The present disclosure describes a system and method to manage image file storage that includes a memory device to store instructions and at least one processing device to execute the instructions stored in the memory device to determine a blur indication or a burst characteristic for each of a plurality of files stored on a storage medium, automatically identify candidate image files to delete based at least in part on the blur indication or the burst characteristic, and delete at least some of the candidate image files based on receiving a delete indication.

Abstract: A personal intelligence platform uses a personal intelligence profile. A user can configure his or her mobile device to generate a signal containing portions of his or her personal information profile to obtain responses based upon the signal generated.

Abstract: An application providing method including: storing, at a memory of a cloud-based computing resource, at least two web-based applications; allowing a computing device of a user, after the user has gained access to a website of a financial institution of which the user has an account, to access the application offering page identifying the at least two web-based applications that are stored on the cloud-based computing resource; receiving, in the cloud-based computing resource, a selection of an application from the application offering page; transmitting, from the cloud-based computing resource to the computing device, data that allows the selected application to be displayed on the computing device, the selected application being stored on the cloud-based computing resource; and transmitting, from the cloud-based computing resource to the computing device, data that allows data pertaining to the user that was previously stored by the financial institution to be displayed on the computing device.

Abstract: Improved approaches to completing, submitting and updating on-line forms or registrations are disclosed. In one embodiment, an on-line form completion agent or an on-line registration agent intelligently guides an on-line form completion or registration process. In another embodiment, a registration is automatically monitored to determine whether and when the registration needs updated.

Abstract: Systems and methods are provided for managing the delivery of ordered products from at least one supplier location to a customer via at least one consolidation location within a supply chain management system. In one embodiment, the availability of the ordered products is checked based on a plurality of ATP rules, the plurality of ATP rules comprising the at least one supplier location which is to be checked for availability of the ordered products. Furthermore, at least one ATP rule further defines the at least one consolidation location and the at least one consolidation location is selected from the at least one ATP rule and checked for availability of the ordered products.

Abstract: Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail.

Abstract: According to one embodiment, a POS terminal includes a printer, a display, a screen display section, a selection operation input section, and an issue section. The printer prints and issues a receipt related to a commodity transaction. The display displays information. The screen display section displays, on the display, a selection screen for selecting an information item to be printed on the receipt. The selection-operation input section selects, according to selection operation in the selection screen displayed by the screen display section, the information item to be printed on the receipt. The issue section issues a receipt on which the information item selected by the selection-operation input section is printed and an information item not selected by the selection-operation input section is not printed.

Abstract: Systems and methods are disclosed for processing data in a web service environment. In one implementation, the data processing system includes a Web service for receiving a request via a network. The request includes a first set of data. The system further includes a storage device, coupled to the Web service, for storing a second set of data. The Web service is configured to perform certain functions in response to the request, including accessing the second set of data, performing a data consistency check of the first and second sets of data, generating a response indicating a result of the data consistency check, and sending the response to the requestor via the network.

Abstract: A computer-implemented method for displaying a plurality of bill due dates, the method comprising: displaying an account identifier for each bill in the plurality of bills; showing a timeline with a due date indicator for each bill in the plurality of bills, the timeline disposed proximate to the account identifier; and wherein each of the account identifiers and timelines are disposed along an axis relative to the other account identifiers and timelines.

Abstract: A remote management system includes imaging apparatuses and a central managing apparatus configured to manage the imaging apparatuses. The imaging apparatuses and the central managing apparatus are connected to mutually communicate with each other. The respective imaging apparatuses notify the central managing apparatus of one or more counter values of one or more users, one of the counter values corresponds to a number of images processed by corresponding one of the users by using one of the imaging apparatuses. The central managing apparatus determines a fee to be charged to one of the users according to a total counter value of the one of the users. The total counter value is a sum of the counter values of the one of the users notified by the imaging apparatuses.

Abstract: A system, method, apparatus, means and computer program products for establishing, monitoring and maintaining spending controls in a payment system are provided.

Abstract: Methods, apparatus and computer program products are provided for monitoring compliance in reporting unclaimed property. The method is capable of identifying both potential non-reporters and potential under-reporters. In this regard, potential under-reporters may be identified as a result of a multilevel review that may take into account the recent reporting history, both in terms of frequency and the type and quantity of unclaimed property that has been reported. The potential non-reporters and potential under-reporters may then be further evaluated, such as by means of an audit or other follow up procedure, to insure compliance.

Abstract: A web-service for validating or invalidating accounts from a general ledger (GL) chart of accounts is described. Upon a request from an application for whether an account value corresponding to a department and a product is valid, the service indicates whether the combination of account value/department/product is valid for the chart of accounts. The system can be extensible markup language (XML)-based and can indicate validity down to the line level of a request.

Abstract: Vehicle operating conditions are computed and the instant variable cost of operation is displayed, enabling operators to learn to operate the vehicle in ways that maximize value, minimize fuel consumption, and reduce or avoid operations that are excessively costly or wasteful. The display quantity is termed “Dynamic Fuel Cost” or DFC, usually measured and displayed in currency (such as Dollars or Euros) per hour. Once every second or so, up to six modes of vehicle operation are detected, including steady speed, acceleration, deceleration by coasting (reduced power or parasitic drag), regenerative braking (in vehicles so equipped such as hybrids), friction braking, and zero speed idling. Then DFC is computed and displayed to the operator. Operators can choose to operate the vehicle in ways that maximize the value of their time and minimize fuel consumption and resulting emissions of pollutants and greenhouse gases.

Abstract: A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a transaction has just taken place and is given an opportunity to indicate that he or she did not authorize the transaction. If so indicated, and depending on how recent the transaction was (e.g. 15 seconds ago) then an alert is automatically sent to the merchant, store security, or local police. In addition, a store camera can be automatically activated to zoom in and record the perpetrator of the fraudulent transaction.

Abstract: A method and a system have been described for maintaining a plurality of statuses corresponding to each of one or more cheque leaves of a cheque-book. Each of the plurality of statuses depicts a cheque leafs corresponding life-cycle stage. Various examples of the plurality of statuses may include, but are not limited to, “Issued but not acknowledged for use”, “Unused”, “Passed”, “Stopped”, “Revoked”, “Cautioned”, “Destroyed”, “Return Paid”, and “Rejected”. The method described above includes assigning a default status to each cheque leaf. The default status is assigned to the cheque leaf while issuing the cheque-book to a customer. Once the cheque-book is issued, the default status and one or more statuses corresponding to each cheque leaf are maintained. Each of the one or more statuses is assigned to the cheque leaf based on the occurrence of a corresponding event from a list of pre-defined events.

Abstract: A method to calculate true ex-ante operating income, via a present value calculation and posting in a double-entry bookkeeping framework based upon credits and debits, is disclosed. The ultimate object is a true ex-ante net income accounting measurement that better serves financial statements users.

Abstract: An information model for a party and property records management system includes a legal party role object for maintaining relationships between objects, such as legal party objects and revenue-object objects, within the information model. A legal party object could have several associated objects, such as an identification number object or a legal party communication object.

Abstract: In one exemplary embodiment, a method provides a cash ledger. The cash ledger may contain at least one line item and a clearing account. The method may post a payment, which contains at least one line item, to a bank account and clear a business partner account by posting the payment against the business partner account.

Abstract: Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks.

Abstract: A system and method for financial account reconciliation of a portfolio account system includes, for investments that are not reported as trades once an order to purchase has been placed, using a computer to electrically match investments that are not reported as trades to unmatched transactions of the portfolio account system. In this manner investments that are not reported as trades once an order to purchase has been placed do not create breaks of the portfolio account system.

Abstract: A household budget book service system using mobile terminals is disclosed. The household budget book service system includes a master mobile terminal having budget book indexes for inputting a user's expenditures, capable of storing and sending any inputted expenditures, and receiving expenditures inputted in mobile terminals of the user's other family members that have been registered for integrated management of overall household expenditures, a budget book management server for receiving the expenditures inputted in the master mobile terminal and those inputted in each other family member's mobile terminal to control the operation of the master mobile terminal and capable of communicating with any card company's server and any bank's server, and a storing section connected to the budget book management server to store information sent from each mobile terminal according to the budget book indexes.

Abstract: Methods and system consistent with the present invention facilitate the management of financial information. Such methods and systems may receive transaction data, store the transaction data as a line item in a day ledger, receive a request for a report, the request indicating a financial figure, such as an average daily balance, to be generated over a specified time interval, and generate, substantially in real-time or during run-time per the request, a report with the financial figure over the specified time interval using data from the day ledger.

Abstract: In an embodiment, a plurality of logical deployment units are distributed throughout a system. Each logical deployment unit is provided with one or more business objects. Links are set up between the plurality of logical deployment units, and the logical deployment units are enabled to receive a business transaction and to identify an individual material associated with the business transaction. In the embodiment, each business object is visible only within its own logical deployment unit and has access to the individual material, and the plurality of logical deployment units and the one or more business objects are integrated.

Abstract: A method for triggering a cost entry in the context of a job is disclosed, which is issued by a management information system, and executed on an execution system, wherein the execution system transmits job related status reports in Job Definition Format to the management information system, and wherein incoming status reports are stored on the management information system. In order to allow cost entries after the completion of particular processes in the context of a job, it is being suggested that status reports arriving at the management information system are stored, categorized through a parser, and that a cost entry is triggered, when a status report is stored as cost relevant.

Abstract: Embodiments of the invention provide apparatuses and methods for providing a graphical user interface on the display device, where the graphical user interface includes a graph viewing tool for charting data. The graph viewing tool includes: (a) a first display area displaying a first axis and a second axis of a graph, the first axis representing a first parameter of the data over a first range of values; (b) a second display area displaying a third axis representing the first parameter over a second range of values; and (c) a first tool and a second tool displayed in the second display area proximate the third axis, wherein the first tool and the second tool are configured such that they can be moved relative to each other and relative to the third axis to increase or decrease the first range of values displayed along the first axis in the first display area.

Abstract: A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to a security feature that limits access to the transaction device. The method also includes using the additional information, the user identification, and the password to evaluate whether to allow the attendant to operate the transaction device to process a transaction.

Abstract: An integration device retrieves credit reports, and/or other financial data that is available from one or more credit sources, for consumers and extracts financial account information from the credit reports. The integration device may then format and/or translates the account information into a format that is usable by a particular consumer's personal finance software and communicates the account information to the personal finance software. Accordingly, the personal finance software is provided with information regarding each of a plurality of financial accounts that are associated with the consumer so that the account information may be populated in the personal finance software with minimal effort by the consumer.

Abstract: A method and system for providing real-time financial goal monitoring and analysis whereby a given user defines budgetary and/or financial goals for one or more financial categories for a given period of time. A merchant/category database is created that associates one or more merchants with potential financial categories and when the given user accesses a given user interface of a website associated with a given merchant, Uniform Resource Locator (URL) data for the website being accessed is obtained and used to identify the given merchant associated with the given website.

Abstract: A method includes receiving, at a computing system, information regarding a transaction associated with a financial account of a customer. The method also includes determining, based at least in part on the information regarding the transaction, whether to provide a redemption alert to the customer. The method also includes providing the redemption alert to a mobile device of the customer if it is determined that the redemption alert is to be provided. The method further includes receiving a response to the redemption alert from the mobile device of the customer, where the response indicates whether at least a portion of accumulated loyalty rewards of the customer are to be used to pay for at least a portion of the transaction.

Abstract: A method and apparatus for implementation of split charging in an Internet protocol multimedia subsystem, allowing subsystem users to negotiate at setup and at a modification of a session initiation protocol session which user will be charged for each multimedia component of the subsystem. A method includes transmitting a first message to a user equipment for initiating one of a multimedia call setup and a call modification, the first message including a split charging offer request and a first split charging ratio, and receiving a second message from the user equipment, the second message comprising a second split charging ratio.

Abstract: Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like.

Abstract: Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.

Abstract: In accordance with one embodiment of the invention, a system is provided that allows a point of sale device to capture the signature of a check writer at the time a check is presented for ACH processing. In accordance with another embodiment, a test can be made to compare optically read information from the face of a check against a negative database or a risk management database to reduce the risk of bad checks being processed by a merchant.