Abstract: A method is disclosed for transferring funds between two business entities. The method includes the steps of including a first business entity transmitting a purchase order to a second business entity, the second business entity transmitting an authorization request to a payment processor, sequestering a first amount of money in an account associated with the first business entity, based in part on an amount indicated in the purchase order, granting preliminary access to a second amount of money in an account associated with the second business entity, and removing the sequestered first amount of money from the account associated with the first business entity and depositing the second amount of money to the account associated with the second business entity.

Abstract: A method of transmitting value via a telephone system, includes receiving a request from a Grantor to designate a predetermined number of minutes that are to be reserved to fund a telephone call between a telephone number associated with a Beneficiary and a telephone number belonging to the Grantor, receiving a request to establish the telephone call between the telephone number associated with the Beneficiary and the telephone number belonging to the Grantor, establishing the telephone call between the telephone number associated with the Beneficiary and the telephone number belonging to the Grantor, and deducting from the predetermined number of minutes a number of minutes corresponding to a length of time of the call between the telephone number associated with the Beneficiary and the telephone number belonging to the Grantor.

Abstract: Enabling and disabling login access to a web-based application by examining automatic number identification (ANI) information from a received telephone call, associating the ANI information with a user account, determining a current state of login access to a web-based application for the user account, the state of login access being one of enabled and disabled, and notifying the web-based application to change the state of login access to the other of enabled and disabled depending on the then-current state of login access. The methodology may further include examining dialed number identification service (DNIS) information of the received call to determine which of the enabling or disabling actions to take, and/or to determine which of a plurality of accounts is to be effected by the desired change in state of login access.

Abstract: A system and method for enabling transfer of funds between two people engaged in a telephone communication. The method includes monitoring for a predetermined series of key presses by an initiator that are entered during the course of the telephone communication. In one embodiment, a funds transfer initiator account is identified based on automatic number identification (ANI) and a funds transfer recipient account is identified by detecting dialed number identification service (DNIS). With these accounts so identified, the initiator of the funds transfer is prompted to enter an amount of funds to be transferred and, thereafter, such funds are caused to be transferred from the initiator's account to the recipient's account, all while the initiator and the recipient are still engaged in the telephone communication.

Abstract: A improved method of managing feature sets associated with credit card account numbers includes (1) storing in a first database a plurality of credit card account numbers, wherein each credit card account number comprises a bank identification number (BIN), a sub-BIN, an account number and a verification or validation value, (2) storing in a second database a list of tracking numbers, wherein each tracking number represents a group of credit card account features, and wherein each feature is assigned a unique identification number, and (3) associating individual ones of the tracking numbers to individual ones of the credit card account numbers such that such individual credit card account numbers are each associated with a predetermined feature set.

Abstract: Systems and methods for remotely causing a request for authorization to charge a card, that is otherwise active, to be denied. In one embodiment, an access controller receives a call from a card holder and analyzes ANI and DNIS data received during call setup for the call to select a card account and an action (e.g., turn account OFF) to be taken with respect to the card account. The access controller formulates and sends a message to an account authorization processing system to cause the account authorization processing system to thereafter deny requests for authorization to charge the card account. A subsequent call to the access controller from the same caller (i.e., a same ANI) will reverse account closure and allow card authorization to proceed. Feedback, in the form of an Instant Message (IM), email, or audible signal (busy, ringing) when making the call, may be provided to indicate the success of a change to the state of the account.