Abstract: A method for electronically processing change in a cash transaction includes: storing a plurality of account profiles, each profile including data related to a consumer including a phone number associated with a mobile communication device and a currency amount; receiving a short message service (SMS) message from a first phone number associated with a first mobile communication device, the message including a second phone number and a change amount; identifying a first account profile where the included phone number corresponds to the first phone number; identifying a second account profile where the included phone number corresponds to the second phone number; transferring the change amount included in the received SMS message from the first account profile to the second account profile; and transmitting an SMS message to the second phone number, the message including a notification of the transfer of the change amount to the second account profile.

Abstract: A system and method for registering a payment card so that if the payment card is lost, a replacement payment card can quickly and easily be reported, and shipment of a replacement payment card can be initiated. The location to which the replacement payment card is to be shipped can be specified, and an estimate can be received for its time of arrival at that location. The estimated time of arrival of the replacement card can be updated with real time information.

Abstract: A method for electronically processing change in a cash transaction includes: storing a plurality of account profiles, each profile including data related to a consumer including a phone number associated with a mobile communication device and a currency amount; receiving a short message service (SMS) message from a first phone number associated with a first mobile communication device, the message including a second phone number and a change amount; identifying a first account profile where the included phone number corresponds to the first phone number; identifying a second account profile where the included phone number corresponds to the second phone number; transferring the change amount included in the received SMS message from the first account profile to the second account profile; and transmitting an SMS message to the second phone number, the message including a notification of the transfer of the change amount to the second account profile.

Abstract: A mobile communication device transaction systems and methods for travelers using mass-transit vehicles and facilities are disclosed. Exemplary servers are for connection to a mobile communication device that includes a travel transaction application identifying at least one traveler, payment information, and trip information. The servers receive the traveler, payment information, and trip information and define at least one traveler product purchase offer, based on the traveler and the trip information. The servers further cause the traveler product purchase offer to be sent to the mobile communication device travel transaction application for display on the mobile communication device. The servers also cause a payment transaction to be made using the identified payment information after the servers receive a purchase order from the mobile communication device for the traveler product purchase offer.

Abstract: A method for processing a gift card request includes: receiving, by a receiving device, a gift card request, wherein the gift card request includes at least a merchant identifier, a gift amount, a payment account identifier, and a recipient; processing, by a processing device, a payment transaction for the gift amount from a payment account associated with the payment account identifier to a merchant account associated with the merchant identifier; identifying, by the processing device, a gift card number; associating, in a database, the identified gift card number with the merchant identifier and the gift amount such that payment transactions involving the identified gift card number are charged to the merchant account; and transmitting, by a transmitting device, the identified gift card number to the recipient.

Abstract: Embodiments described herein include are directed to managing response plans of an enterprise. Business recovery plans, system recovery plans, and emergency management plans for the enterprise are identified, where the business recovery plans relating to business aspects of the enterprise, the system recovery plans relating to technology aspects of the enterprise, and the emergency management plans relating to emergencies affecting the enterprise. The business recovery plans, system recovery plans, and emergency management plans are evaluated and plan metrics for the business recovery plans, system recovery plans, and emergency management plans are calculated independently and separately from each other. The plan metrics are calculated in response to the evaluation of the business recovery plans, the system recovery plans, and the emergency management plans. A readiness of the business recovery plans, the system recovery plans, and the emergency management plans is determined based on the evaluation.

Abstract: Systems and methods, such as may be executed by a computer or computer network, for the management of citations issued to an owner of a fleet of vehicles which identify the vehicle and the time of the citation. The systems and methods allowing for automatic matching of the citation to the party responsible for the vehicle at the time of the citation by matching the citation to a contract indicating the party responsible for the vehicle at the time of the citation.