Abstract: Tools for providing bill aggregation and/or payment services. In an aspect, such tools aggregate all payments over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills are paid in timely fashion. In another aspect, the tools determine, without requiring user input, an amount due on each bill, as well, in some cases, of a due date for each payment. Optionally, the tools can provide a consolidated statement to inform the user of payments to be made over a given period. Such statements can provide a varying level of detail, depending on the implementation and/or on user preferences. In some cases, a consolidated statement might provide line items and/or detailed support for each payment to be made. In other cases, the consolidated statement might simply provide a single consolidated payment amount.

Abstract: According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.

Abstract: A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.

Abstract: A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.

Abstract: A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.

Abstract: A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.

Abstract: Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system.

Abstract: Methods and systems, related to a biometrically secured user input device for conducting a transaction are described. The user input device may comprise a biometric authentication device. At the biometrically secured user input device, a biometric sample may be received from a user. The biometrically secured user input device may transmit the biometric sample, provided by the user, to a host computer system. The host computer system may compare the biometric sample provided by the user to another biometric sample. Handwriting data from the user may then be received by the user input device. The handwriting data may be transmitted to a computer system by the user input device. Transaction data based on the handwriting data may be transmitted from the computer system to a host computer system. The financial transaction may be conducted using the transaction data transmitted to the host computer system from the computer system.

Abstract: According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.

Abstract: According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.

Abstract: Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system.

Abstract: Systems and method for a handheld biometrically secured user input device are described. A biometric authentication device may be coupled with a handheld enclosure, the biometric authentication device capable of collecting user authentication information from a user to authenticate the user's identity. A computer-readable storage device may be coupled with the handheld enclosure for storing confidential financial information of the user, wherein access to the confidential financial information is granted only after the user's identity has been authenticated. A sensor may be coupled with the handheld enclosure, capable of capturing the user's handwriting. Also, a communication device may be configured to transmit information gathered with the sensor to a computer system.

Abstract: Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system.

Abstract: A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.

Abstract: A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.

Abstract: A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.

Abstract: The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item.

Abstract: The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item.

Abstract: The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item.

Abstract: A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.