Abstract: Methods and systems for providing coupons to a customer are provided. The method may include a computer server associated with a store receiving, from a customer, an image of a receipt from a competing store. The server may identify a product on the receipt which was purchased by the customer at the competing store and a purchase price. The server may compare the product with a corresponding product sold by the store to determine if the product was purchased by the customer at the competing store for a lower price than a price at which the corresponding product is sold at the store. The server may prepare a coupon for the customer to offer the customer a discount for shopping at the store if the product was purchased by the customer at the competing store for a lower price and transmit the coupon to the customer.

Abstract: Systems and methods are disclosed for protecting consumer privacy in an online advertising environment. A request may be received from a browser for a webpage along with a unique browser identifier. The browser may be provided a first portion of the webpage that is locally available. The unique browser identifier may be provided to at least one advertising entity, wherein the advertising entity determines an advertisement based, at least in part, on the unique browser identifier. The advertisement may be received from the advertising entity, and provided to the browser as a second portion of the webpage.

Abstract: An online content collection system includes a scanning server to scan web sites to retrieve a potential creative uniform resource locator (URL). The scanning and retrieving includes parsing web pages for the web sites, identifying a potential creative URL from the parsed web pages that matches a predetermined criterion for retrieving potential creative URLs, and retrieving the potential creative URL that matches the predetermined criterion. A data storage may be used to store creative URLs. An online content collection server analyzes the retrieved potential creative URL by determining whether the retrieved potential creative URL has been seen before by comparing the retrieved potential creative URL against the creative URLs stored in the data storage, and determining whether the retrieved potential creative URL points to a creative if the retrieved potential creative URL has been seen before.

Abstract: A system comprises an interface for enabling a user having a web property to input advertisement information including a web property advertisement, criteria indicating when presentation of the advertisement is desired by the user, a bid for the presentation of the advertisement when the criteria are met, and subsequent modifications to the advertisement information; geographically distributed servers, a plurality of the geographically distributed servers for storing the advertisement information, at least one of the geographically distributed servers for receiving a request for advertisement content from an advertising channel, at least one of the geographically distributed servers for determining whether the request meets the criteria, and at least one of the geographically distributed servers for forwarding the advertisement to the advertising channel in response to the request when the criteria have been met; and a distribution component for propagating the advertisement information to the geographically

Abstract: Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers.

Abstract: An exemplary system according to the present disclosure comprises a server system (comprising one or more computing devices) that is in communication with one or more financial exchange systems and one or more data source computer devices (e.g., news sources). Also in communication with the server system are one or more mobile communication devices. The server system comprises a memory and a processor executing software that enables the server system to receive live market data and information from one or more of the financial exchange systems and the data source computer devices; aggregate and filter the data and information; according to one or more pre-set user preferences and/or one or more user-initiated commands; and transmit the aggregated/filtered data and information to one or more mobile communication devices via one or more live data feeds. The mobile communication device displays aggregated/filtered information in a single, interactive GUI.

Abstract: Disclosed are systems and methods for protecting electronic money transactions from fraud and malware. An exemplary method include scanning a computer to detect software objects associated with electronic money that includes at least one of a wallet configured to store electronic money, an electronic money generating application, and data including an interaction history with an electronic exchange for electronic money; identifying and adjusting electronic money security modules configured to provide data security to the detected software objects associated with the electronic money; and executing, by the adjusted electronic money security modules, at least one electronic money transaction involving the electronic money. In one aspect, the electronic money security modules include a wallet protection module, a malware detection module, and a traffic control module.

Abstract: A user may select a payoff date for a loan online, and may receive a corresponding loan payoff quote for that date. Additionally, the user may receive a per diem payoff amount. When a user selects a particular payoff date via a website associated with the lender, the loan payoff quote is calculated and provided to the user via the website, text message, or email.

Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

Abstract: A method for assessing sales activity of a merchant using a computer system coupled to a database is provided. The sales activity includes purchases made by a customer using a financial transaction card over a financial transaction card network. The method includes storing within the database a plurality of merchant profiles wherein each merchant profile describes a customer community of the corresponding merchant utilizing the financial transaction card network, determining a violator merchant profile based on a customer community associated with a violator merchant wherein the violator merchant uses the financial transaction card network to engage in at least one of illegal, potentially illegal and undesirable sales activities with at least a portion of the associated customer community, comparing the violator merchant profile to each merchant profile stored within the database, and identifying at least one potential violator merchant for further investigation based on the comparison.

Abstract: This invention discloses a process involving automatic notification to interested individuals of current real estate values. The process consists of a monitoring service entity, external data source, and end-user. The disclosed embodiments include a process whereby parties can be directly notified of real estate values or alternatively may initiate contact with the monitoring entity to receive data.

Abstract: Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.

Abstract: A decoding system with a decoding engine running on a mobile device The decoding engine decodes signals produced from a read of a buyer's financial transaction card, accepts and initializes incoming signals from a read of a buyer's financial transaction card until the signals reach a steady state, detects the read of the buyer's financial transaction card once the incoming signals are in a steady stat, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the mobile device and is coupled to the decoding engine. A payment system is in communication with the transaction engine and with a buyer's financial transaction card institution or a first party's financial account. The payment system includes identifying information of second parties qualified by the payment system to conduct business with the payment system.

Abstract: Methods and systems for facilitating post offer communication with a prospective borrower using an on-line lending system (110) are provided. The post offer communication is in response to non-acceptance of an electronic loan offer. The on-line lending system receives an electronic loan application (100) from client terminal (101). The electronic loan application (100) contains applicant credential data, such as personal information (202) and financial information (302). When a loan offer (500) is presented on the client terminal (101), the on-line lending system (110) waits a predetermined time for an electronic signal indicating acceptance of the loan offer (500). When such electronic signal is not received within the predetermined time, a pending loan offer application (800) is transmitted to a call center terminal (1414).

Abstract: A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card, accepts and initializes incoming signals from a read of a first party's financial transaction card, and detects a read of the first party's financial transaction card. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party, so that the first party does not have to share his/her financial transaction card information with the second party. A social network is in communication with the transaction engine.

Abstract: The present invention advantageously combines communications aspects of mobile devices with financial transaction system capabilities in a novel manner. This advantageous combination enables a user to automatically initiate a financial transaction with a merchant upon the user being located in a particular geographic vicinity. Numerous types of transactions can be enabled using the present invention.

Abstract: Improved systems, methods, and programs for customized distribution of data, particularly financial data. Individual users of networked computer systems have the capability to select and receive data from data streams produced by sources and made available simultaneously and in standardized format to numbers of client terminals. Selected data is mapped according to individual user specifications and may be used in client applications such as databases or spreadsheets, and stored in caches until users are ready to receive it. Data may be formatted and sent back to the stream source for use in applications operated at the source. The system also facilitates checking of data integrity, in particular by comparing sequences of records sent by the source and received by the client system.

Abstract: Method for performing a commercial transaction wherein a customer having a computer connected to a public network such as the Internet network and a SMS terminal is able to receive and send SMS messages over a telephone network and can order an article by using the computer to a commercial server connected to the public network.

Abstract: A trading screen may display price and quantity information for price levels in a static axis of prices. The static axis of prices may be divided into two or more different regions. The price and quantity information for one or more of the regions may be consolidated from price and quantity information from plurality of un-consolidated price levels.

Abstract: A method of reducing the risk to a Vendor of a First House that the Vendor of the First House will have to pay the Monthly Carrying Costs associated with the First House in the event that the First House is not sold within an acceptable predefined or determinable period of time. The method includes, steps of calculating the Monthly Carrying Costs associated with the First House, establishing a Minimum Acceptable Price for the sale of the First House, and calculating the likelihood that the First House will not be sold at or above the Minimum Acceptable Price during the acceptable predefined or determinable period of time. The method further includes calculating the likely length of time required to sell the First House at or above the Minimum Acceptable Price, and other steps.