Abstract: In one example, a method for updating an application that has multiple instances running in a distributed cloud environment is disclosed. The method may include the operation of generating a dynamic property bus interface. The method may write an application property value through the dynamic property bus interface to a database for storage and propagate the property value to the multiple instances of the application in the distributed cloud environment.

Abstract: Embodiments of the invention are related generally to systems and methods for enabling remote control functionality of an Automated Teller Machine (“ATM”) from a mobile device. In the present invention, a customer may use a mobile device to connect to an ATM and remotely control the ATM while completing various transactions. In embodiments of the invention, the user may scan a Quck Response (“QR”) Code with the mobile device which will initiate the remote connection to the ATM. The ATM display screen may remain frozen or blank, or in embodiments of the invention, may display generic content and/or content directed towards the user. Thus, the user may securely complete the desired transaction(s). In embodiments of the invention, the user may also use the mobile device to generate a one-time authentication code for use by a second user at an ATM.

Abstract: Systems and methods for graphically representing a plurality of electronic messages in an electronic message repository are disclosed. According to one embodiment, a method may include, for each of a plurality of electronic messages in an electronic message repository: (1) at least one computer processor determining a category for the electronic message; (2) the at least one computer processor determining a topic for the electronic message; and (3) the at least one computer processor identifying at least one related electronic message that is related to the electronic message. The at least one computer processor may graphically represent each of the plurality of electronic messages in relation to at least one of the topic, the category, and the related electronic message.

Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Abstract: A method for providing information related to a financial portfolio of a client. The method can include the steps of receiving tax news data related to a specific country, determining from client-portfolio data if the portfolio is invested in the specific country, and determining an effect that the country-news data will have on the client-portfolio data. The method can include the step of displaying results-information related to the effect that the country-news data will have on the client-portfolio data. Region-news data can be used to compare the tax law or treaty network in various countries.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Abstract: A system and method for remote data access of customer loyalty information, said data being used to locally display a loyalty offer. The method comprising the steps of: detecting the presence of a customer at a merchant's location (store or web site) via an identifier, wherein the identifier is associated with and enables the customer to accumulate merchant value from a plurality of merchants based on the customer's behavior; generating customer, reward program, and/or general information at a remote location based on the identifier; and identifying at least one relevant merchant loyalty offer based on the customer, reward program, and/or general information, wherein the at least one relevant merchant loyalty offer is consortium-based; offering the customer or a designee of the customer at the merchant's location at least one of the at least one relevant merchant loyalty offer.

Abstract: A system and method for providing call-back options is disclosed. The method comprises receiving a call in a call routing system, providing at least one call-back option for a caller to receive a call-back, re-allocating resources in the call routing system based at least in part on the at least one call-back option, and calling the caller based on the at least one call-back option. The caller may specify a specific time, a relative time, or a time range when a call-back is preferred. The caller may also specify one or more telephone numbers in combination with the time preferences. The call-back may be initiated by a voice response unit (VRU) and additional call-back options may be presented to the customer who responds to the call-back.

Abstract: Systems and methods for graphically representing a plurality of electronic messages in an electronic message repository are disclosed. According to one embodiment, a method may include, for each of a plurality of electronic messages in an electronic message repository: (1) at least one computer processor determining a category for the electronic message; (2) the at least one computer processor determining a topic for the electronic message; and (3) the at least one computer processor identifying at least one related electronic message that is related to the electronic message. The at least one computer processor may graphically represent each of the plurality of electronic messages in relation to at least one of the topic, the category, and the related electronic message.

Abstract: Systems and methods for electronic message prioritization are disclosed. According to one embodiment, a method may include (1) accessing a message repository for a user, the message repository comprising a plurality of messages; (2) for each of the plurality of messages: (a) collect user behavior with regard to the message; (b) analyze the message; (c) generate an initial message priority based on the user behavior and the analysis; (d) compare the initial message priority to historical message priority data for the user; and (e) adjust the initial message priority based on the historical message priority data.

Abstract: Systems and methods for prioritizing electronic messages in an electronic message repository are disclosed. According to one embodiment, a method may include (1) at least one computer processor determining an amount of message review time for a user; (2) the at least one computer processor estimating a number of electronic messages that the user can review in the message review time; (3) the at least one computer processor determining a priority level for a plurality of electronic messages in the user's electronic message repository; (4) the at least one computer processor selecting electronic messages from the user's electronic message repository based on the estimated number of electronic messages that the user can review and the priority level for the electronic messages.

Abstract: This invention relates to a system and method for processing qualified healthcare account transactions (e.g., HFA, Health FSA, and HRA) and non-qualified credit card transactions within a transaction processing system. In particular, this invention relates to a multi-purse payment device associated with a transaction processing system for auto-substantiating qualified healthcare transactions.

Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.

Abstract: A technique for providing message authenticity includes accepting transaction information, accepting a first data item used for authenticating an originating user, cryptographically processing the transaction information using only a second data item, wherein the entropy of the first data item is less than the entropy of the second data item, and authenticating the originating user using the first data item. The first data item can be a sequence of digits corresponding to those displayed on an external device, such as, for example, an RSA authorization token, credit card, etc.

Abstract: Embodiments of the invention include a method and system for conducting financial transactions over a payment network. The method may include associating a payment address of an account with an account holder name, the account residing at a financial institution and the associated payment address of the account configured to allow withdrawals by the account holder only and to allow a plurality of deposits to be made at different times. The method further includes freely publishing the payment address and making it available to users of an internet portal or search engine. The method further includes receiving data over a network identifying a deposit to be made to the account, assigning the deposit to the account using the payment address, and notifying the payer of the assignment on a real time basis. At least one directory is used for associating the account holder with the payment address.

Abstract: A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.

Abstract: A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.

Abstract: A system and method that provides a JPeX client that opens up a socket on which it listens for connections from the local host. External applications on the desktop are able to connect to the server socket in the client and use XML to execute commands on the client.

Abstract: A system and method for allocating stock and cash amounts to individual trades in a netted trade. The system and method include bundling individual securities trades into a netted trade, transmitting the netted trade to a clearing house, receiving a settlement message from the clearing house, and allocating stock and cash amounts to individual trades in the netted trade in a manner consistent with the settlement message.