Abstract: A method for completing a field in a form-based application includes extracting form data and elements from a form within the form-based application, where the form data and elements relate to a first field, generating an input window containing the form data and elements, including a second field corresponding to the first field, receiving input regarding the second field for which to fill in text, data, or both text and data, receiving input from an external source from which to fill in the text and/or data, loading the filled-in text and/or data into the second field in the input window, and transferring the captured text and/or data to the first field within the form-based application.

Abstract: A method for completing a field in a form-based application includes extracting form data and elements from a form within the form-based application, where the form data and elements relate to a first field, generating an input window containing the form data and elements, including a second field corresponding to the first field, receiving input regarding the second field for which to fill in text, data, or both text and data, receiving input from an external source from which to fill in the text and/or data, loading the filled-in text and/or data into the second field in the input window, and transferring the captured text and/or data to the first field within the form-based application.

Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special IOU approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. The grace period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the grace period.

Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. The selected time period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the selected time period.

Abstract: A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms. The at least one modified invoice is sent to said first payor; payment from said first payor is obtained; and the obtained payment is allocated. A specific exemplary software architecture for implementing the method is also disclosed.

Abstract: Improved ATMs, and systems including one or more ATMs, are described. A specially configured message module is electrically interconnected to an ATM, thereby enabling the ATM, or ATM system, to generate message data tailored according to ATM users' previous activities/behavior. According to embodiments, systems of the present disclosure may also include an improved payment network enabled to perform some or all of the processes of the message module.

Abstract: Systems, methods, and devices for implementing a scavenger hunt reward program are described. Merchant point-of-sale level transaction data is obtained and stored. Other trackable transaction data, such as consumer location at the time of a transaction for example, is also obtained and stored. The received transaction and other trackable data are used to identify qualifying transactions with respect to one or more sets of instructions presented to the consumer. Upon the consumer completing some or all of the sets of instructions, at least one reward program sponsor is informed of such completion, and a reward/benefit is disbursed to the consumer.

Abstract: Exemplary systems and methods for generating donations to charities based on transactions to payment accounts are disclosed. One exemplary method includes receiving a user preference from a consumer where the user preference relates to a donation by the consumer, to a charity, from a payment account associated with the consumer; receiving an authorization request for a purchase transaction to the payment account where the authorization request includes a donation indicator based on an input at a POS terminal associated with the purchase transaction; generating, by a computing device, a donation transaction from the payment account to a charity account associated with the charity, based on the donation indicator and the user preference; and causing a donation amount associated with the donation transaction to be funded to the charity account from the payment account.

Abstract: Systems, methods, and devices for implementing a pooled reward program that incentivizes consumer spending by exploiting the competitive nature of humans are described. Multiple consumers form a reward program group. When a target (either consumer level or group level) is met or exceeded, at least one consumer of the group receives a reward/benefit. When the target is group level, at least one consumer with the highest value receives a benefit/reward when the group value meets or exceeds the target. When the target is consumer level, the consumer that meets or surpasses the target first receives the benefit/reward. Upon one or more of the consumers receiving the benefit/reward, the point values may be zeroed, and the competition may be started over.

Abstract: Systems and methods are provided for transferring value from to a payment account associated with a virtual wallet of a consumer. The value can be transferred using voucher-based transactions or cash-based transactions. One exemplary method includes receiving, at a computing device, a load request to transfer value to a payment account associated with a consumer. The load request includes the value to be transferred and a directory number for a mobile device associated with the consumer. The method also includes determining an account number for the consumer's payment account, at the computing device, based on the directory number for the consumer's mobile device and generating, by the computing device, a request indicating the value to transfer to the payment account and the account number for the consumer's payment account.

Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. The selected time period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the selected time period.

Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special IOU approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. The grace period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the grace period.

Abstract: A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms. The at least one modified invoice is sent to said first payor; payment from said first payor is obtained; and the obtained payment is allocated. A specific exemplary software architecture for implementing the method is also disclosed.

Abstract: A method includes the steps of: enrolling a plurality of billers and a plurality of payors in a multiple payor bill payment program; receiving an invoice from a given one of the billers, the invoice being generated in response to an order for goods and/or services initiated by at least one of the payors; splitting the invoice into multiple parts according to prescribed rules corresponding to each of a subset of the payors associated with the order; sending the multiple parts of the invoice to the subset of the payors associated with the order; receiving payments from the subset of the plurality of payors associated with the order; and sending the payments to the given one of the billers.

Abstract: Systems and methods of providing a flat fee automated teller machine (“ATM”) program are described. An operator of a transacted ATM may receive an inquiry from the ATM regarding whether a transacted ATM card is enrolled in the flat fee ATM program. The ATM operator may have access a database to determine if the transacted ATM card is enrolled in the flat fee ATM program, or the ATM operator may transmit the inquiry to the transacted ATM card's issuer, through a payment card network. The ATM operator may instruct the transacted ATM whether to charge a transaction fee depending on information accessed in the database by the ATM operator or on a response generated by the ATM card issuer.

Abstract: Systems and methods for producing checks and paystub information from an automated teller machine (“ATM”) are described. The ATM transmits either a check request or a paystub information request to a payment card network, which transmits the received request to a card issuer. In the case of a check request, the card issuer verifies sufficient funds within a cardholder account. In the case of a paystub information request, the card issuer transmits the request to an employer payroll computer, which transmits the requested paystub information back to the card issuer. The card issuer transmits the draft authorization or the paystub information to the payment card network. The ATM ultimately receives the draft authorization and thereby produces a check or money order, or receives the paystub information and thereby provides the cardholder with the information.

Abstract: Systems and methods are provided for transferring value from a voucher to a payment account associated with a consumer. One exemplary method includes receiving, at a computing device, a load request to transfer value from a voucher to a payment account associated with a consumer. The load request includes a selection, at the computing device, of a provider associated with the voucher, from multiple different available voucher providers. A transaction request is then communicated, by the computing device, to transfer the value from the voucher to the payment account. The transaction request includes an identification number for the voucher and an account number for the payment account. When a transfer authorization is received at the computing device in response to the transaction request, a confirmation is generated, by the computing device, indicating that the value from the voucher has been transferred to the payment account.

Abstract: Systems and methods are directed toward verifying an identity of an individual and then subsequently confirming the identity of the individual, using biometric data for the individual, in connection with a request by the individual to establish a new account with an account provider. An account is initially generated for the individual when the individual is originally verified, and an identification device is issued to the individual and associated with the account. At this time, a reference biometric from the individual is also stored on the identification device. Then, later, when the individual desires to establish the new account, the individual validates his/her identity at the identification device by providing a biometric matching the reference biometric on the device. And in response, identification data for the individual, from the account generated when the individual was originally verified, is communicated to the account provider for use in establishing the new account.

Abstract: Systems and methods are provided for transferring value from to a payment account associated with a virtual wallet of a consumer. The value can be transferred using voucher-based transactions or cash-based transactions. One exemplary method includes receiving, at a computing device, a load request to transfer value to a payment account associated with a consumer. The load request includes the value to be transferred and a directory number for a mobile device associated with the consumer. The method also includes determining an account number for the consumer's payment account, at the computing device, based on the directory number for the consumer's mobile device and generating, by the computing device, a request indicating the value to transfer to the payment account and the account number for the consumer's payment account.

Abstract: Systems and methods are provided for transferring value from a voucher to a payment account associated with a consumer. One exemplary method includes receiving, at a computing device, a load request to transfer value from a voucher to a payment account associated with a consumer. The load request includes a selection, at the computing device, of a provider associated with the voucher, from multiple different available voucher providers. A transaction request is then communicated, by the computing device, to transfer the value from the voucher to the payment account. The transaction request includes an identification number for the voucher and an account number for the payment account. When a transfer authorization is received at the computing device in response to the transaction request, a confirmation is generated, by the computing device, indicating that the value from the voucher has been transferred to the payment account.