Abstract: A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.

Abstract: The present invention generally relates to a system, report, and method for automatically generating a series of natural language news-based stories to be presented via a digital interface or printed publication to a portfolio user. The disclosure relates to a filter or selection of a handful of relevant and desired financial instruments, or events created in a large group of events such as sports results, travel information, auction related data, online shopping tools, social media, retail store promotion generation, search engine daily report, etc. for a specific use. These financial instruments, based on different selections from a portfolio manager via a management tool, are then used to either produce a strategies page where a list of useful covered call trade and hedged trade are displayed in the form of a table, or natural language news-based stories relating to a selected list of financial instruments found in a portfolio.

Abstract: A method and system is provided for validating claim submissions against a claim policy that can perform a comparative analysis by comparing structured or unstructured claim submissions to semantically structured policies to direct and optimize processing of the claim submission. A method and system is also provided for enabling semantic interoperability across different proprietary electronic transaction records. Semantic queries and semantic analysis can be performed on a collection of electronic transaction records originating from different proprietary systems.

Abstract: A method begins with a payment entity device receiving payables process data from a client device. The payables process data includes a list of a plurality of creditors and associated payment data, wherein, for a creditor of the plurality of creditors, the associated payment data includes at least one payment scheme for paying at least a portion of debt owed to the creditor via at least one of: a client credit card, a funds transfer, commercial paper, tangible consideration, and a debit account. The method continues with the payment entity device determining level of service for a client associated with the client device. The method continues with the payment entity device generating a payables profile for the client based on the payables process data in accordance with the level of service.

Abstract: According to some embodiments, supplemental information about a consumer is determined, the consumer being associated with a first level of credit availability. One of a plurality of potential credit migration paths may then be selected for the consumer based on the supplemental information. Each potential credit migration path may, for example, begin at the first level of credit availability, include a plurality of intermediate credit products, and end at a level of credit availability higher than the first level. An offer for an intermediate credit product may then be transmitted to the consumer based on the selected credit migration path.

Abstract: A computer-implemented system and method supporting microfinance funds aggregation for a retail investor are disclosed. A particular example embodiment includes receiving a purchase request at a host site from an investor at an investor site, the purchase request including information identifying a security offered for sale by a security issuer on the host site; facilitating payment for the security by the investor via a financial site; receiving confirmation of payment for the security; and sending confirmation of payment for the security to the investor.

Abstract: A method, system and program product, the method comprising accessing, databases, comprising: aggregated account information for FDIC accounts; client account information for each of the respective client accounts, wherein the client account represents funds of the respective client held in the one or more aggregated deposit accounts holding funds of the respective client, the client account information; capacity caps; and obtaining, high, second and lowest stratification balances held in respective depository institutions; calculating for depository institutions a respective total balance in the program; calculating respective excess capacities for respective depository institutions; modifying, parameters selected from the group of a number of client accounts, additional client account funds, a total number of the depository institutions participating in the program, and the capacity caps for one or more of the depository institutions.

Abstract: Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may be presented with one or more merchant credit services for prepaid merchant account credit, data characterizing a request to provide a credit service from the merchant credit services and a mobile phone number associated with an intended recipient of the first credit service may be received, and a message may be caused to be sent to the mobile phone number, where the message characterizes provision of the first credit service to the intended recipient. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member.

Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

Abstract: A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information subsequent to initiation of a payment in accordance with the payment request data. The method continues by storing the payment remittance information. The method continues by consolidating the payment remittance information and the payment request data to produce consolidated payment data. The method continues by generating at least one report based on the consolidated payment data.

Abstract: A method and system for processing offshore online transaction use an intermediary platform to conduct foreign currency exchange on behalf of a buyer and an offshore seller. The method allows the buyer to purchase a product of an offshore merchant website using a local currency through the intermediary platform. The buyer places an order at the offshore merchant website, which sends an order request to the intermediary platform. The intermediary platform calculates the purchase amount in local currency, and exchanges the local currency amount provided by the user into an equivalent foreign currency amount through a financial platform, and sends a transaction message indicating successful payment to the offshore merchant website to allow shipping of the product. The intermediary platform periodically conducts accounting and profit sharing operations with the offshore merchant website.

Abstract: Embodiments of system are disclosed in which selection strategies for a direct marketing campaign that identify consumers from a credit bureau or other consumer database can be planned, tested, and/or refined on a stable subset of the credit database. In some embodiments, once refined, consumer selection criteria may be used to execute the direct marketing campaign on the full consumer/credit database, which is preferably updated approximately twice weekly. In one preferred embodiment, the data for the test database represents a random sampling of approximately 10% of the full database and the sampling is regenerated approximately weekly in order to provide a stable set of data on which campaign developers may test their campaign. For each consumer in the sampling, the environment may allow a client to access and use both attributes calculated by the credit bureau and proprietary attributes and data owned by the client.

Abstract: Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

Abstract: A method for processing cash advance transactions in a casino having an authorized MCD processor and, in particular, for processing non-service fee/surcharge transactions as Manual Cash Disbursements by the system.

Abstract: A system and method for re-distributing and transferring mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a particular mobile gift card belonging to the first user; receives a request to transfer a specified monetary amount from a balance of the particular mobile gift card to a second user; receives a phone number of the second user; associates, with the second user's phone number, a separate mobile gift card having an associated balance equal to the specified monetary amount; and transmits a notification of the separate mobile gift card to a mobile device associated with the second user's phone number; the computer server acting as a server-side wallet for the separate mobile gift card, and the separate mobile gift card being usable, through interaction with the computer server, by the second user for the purchase of goods from the particular merchant.

Abstract: A system includes one or more remote check deposit locations, and one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information.

Abstract: The present invention contemplates a variety of improved methods and systems for providing an experience platform, as well as sentio or experience codecs, and experience agents for supporting the experience platform. The experience platform may be provided by a service provider to enable an experience provider to compose and direct a participant experience. The service provider monetizes the experience by charging the experience provider and/or the participants for services. The participant experience can involve one or more experience participants. The experience provider can create an experience with a variety of dimensions and features. As will be appreciated, the following description provides one paradigm for understanding the multi-dimensional experience available to the participants. There are many suitable ways of describing, characterizing and implementing the experience platform contemplated herein.

Abstract: A margin requirement is computed while trading. The margin requirement may be calculated while trading because the preferred system takes into account working orders to generate the margin requirement. The on the fly possibility allows the preferred system to provide pre-trade risk calculations, but can also be used to provide post-trade calculations. A generic spread number and the maximum number of outright positions are determined. Using the spread positions and the maximum number of outright positions, a spread margin and an outright margin are calculated, which when summed provide a total margin requirement. Limits based in part on the total margin requirement may be imposed on one or more traders.

Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.