Abstract: A method may include receiving consumer donor information about a consumer donor including a trigger purchase, a donation roundup amount, a selectable charity cause for receiving at least a portion of the donation roundup amount, and a selectable contribution weight of the donation roundup amount corresponding to the charity cause. The method may further include receiving approved charitable entity information including at least one associated charity cause and at least one priority requiring monetary funds for advancement; and determining a matching donor entity and a donee entity based on one or more of the received consumer donor information, the received matching entity information, and the received approved charitable entity information. In response to the determining, the method may include generating combined contribution data. Based on the generated combined contribution data, the method may include identifying and sending a total monetary value to the donee entity.

Abstract: Some embodiments of the invention include a method for approving a transaction initiated by a virtual prepaid instrument. The method may include receiving a transaction message from a merchant through an open-loop financial transaction network in response to a transaction being initiated with a virtual prepaid instrument at the merchant, the transaction message includes data elements comprising a primary account number and a transaction amount. The method further includes receiving GPS data originated by a mobile application executing on a user device, the mobile application associated with the virtual prepaid instrument, and determining a merchant identifier based on the GPS data. The method may also include determining whether the virtual prepaid instrument is associated with a merchant account based on the merchant identifier and the primary account number, the merchant account indicating an available funds value representing funds available to be spent at the merchant using the virtual prepaid instrument.

Abstract: Some embodiments may include various aspects of a virtual prepaid instrument. Some embodiments may include methods and systems for enrolling a merchant with a virtual prepaid instrument. Some embodiments may include methods and systems for authorizing a virtual prepaid instrument transaction. Some embodiments may include methods and systems for associating a user with a virtual prepaid instrument. In some embodiments, a single user and/or multiple merchants may be associated with a personal account number for a virtual prepaid instrument.

Abstract: Some embodiments may include various aspects of a virtual prepaid instrument. Some embodiments may include methods and systems for enrolling a merchant with a virtual prepaid instrument. Some embodiments may include methods and systems for authorizing a virtual prepaid instrument transaction. Some embodiments may include methods and systems for associating a user with a virtual prepaid instrument. In some embodiments, a single user and/or multiple merchants may be associated with a personal account number for a virtual prepaid instrument.

Abstract: Some embodiments may include various aspects of a virtual prepaid instrument. Some embodiments may include methods and systems for enrolling a merchant with a virtual prepaid instrument. Some embodiments may include methods and systems for authorizing a virtual prepaid instrument transaction. Some embodiments may include methods and systems for associating a user with a virtual prepaid instrument. In some embodiments, a single user and/or multiple merchants may be associated with a personal account number for a virtual prepaid instrument.

Abstract: A method and system for authenticating an account holder using multi-factor authentication. An account holder is associated with a token device configured to supply the account holder with a dynamic password. The dynamic password has a current value that is synchronously stored at an aggregator service and at the token device. The dynamic password is changed periodically. The aggregator service also associates the account holder with at least one account maintained by the account providers. The aggregator service receives an authorization request from either the user or from one of the account providers. The aggregator service performs an authorization operation for determining if a proffered dynamic password submitted by the user during an attempt to login matches the current value of the dynamic password stored at the aggregator service.

Abstract: A method and system for communicating financial information to the account holder, which includes generating account information in response to the occurrence of a transaction associated with the account holder's account. The account information contains data that is descriptive of at least one aspect of the transaction. The account information is transmitted to an electronic device associated with the account holder in the form of an alert message. The account information may include fields that have been selected by the account holder. Further, the account information may be transmitted to the electronic device using a delivery method selected by the account holder.

Abstract: A computer-implemented method and system for integrating a financial account with at least one social networking account. A financial account to at least one user and may be assigned an identifier for the at least one social networking account. The identifier may, thus, be used to access information related to the financial account, to manage the financial account or to access funds in the financial account.

Abstract: A computer-implemented method and system for linking a financial payment system to a customer account. A customer account may be created that includes an identifier for a financial payment system, such as a credit or debit card. During a transaction between the customer and a merchant, the identifier may be received by a payment processor. The processor correlated the identifier with a customer using stored customer account information. An electronic message including an incentive offered by the merchant is generated and sent to the customer. The offer may include a condition that the customer must complete in order to receive the incentive. The condition may be, for example, a requirement that the customer provide predetermined information to the merchant or as a posting on a social network. The incentive may be provided to the customer as a refund directly applied to the financial payment system.

Abstract: Embodiments of the present invention provide for methods and systems for providing a financial instrument that possesses both credit features (secured and unsecured) and prepaid features. When a purchase is made using a financial instrument linked to an account, funds are first drawn from a line of credit until a credit limit is reached. Any additional funds required to make the purchase are then drawn from a secured account, such as a prepaid cash balance. In some embodiments, the additional funds are automatically drawn form the prepaid cash balance while in other embodiments an account holder manually transfers funds from the prepaid cash balance to the credit balance.

Abstract: A portfolio management system includes a method that uses multi-dimensional analysis to create a user group based on whatever characteristics the manager desires that would be the subject of a messaging campaign and that tracks user actions as a result of the messaging campaign. The method includes creating a user data set through multi-dimension analysis to define a user target base. Based on the data set, a messaging campaign is developed and one or various communication channels are selected to run the messaging campaign. A message campaign runs to target the user data set. Information is tracked from user actions after running the message campaign. Analysis of the tracked information can be generated into a report and can be used to create additional user data and messaging campaigns.

Abstract: A system for managing financial accounts includes one or more account holders. An account holder data structure is associated with one or more financial accounts. The financial accounts are defined to flexibly respond to the needs of the account holders. A balance is also associated with each of the one or more financial accounts, and an overdraft balance is associated with at least one of the one or more financial accounts. The balances, including the overdraft balance, are accessed through the accounts by one or more access methods, such as prepaid debit card or stored value financial cards. When a transaction initiated with an access method attempts to access an amount in a balance which exceeds the available amount of the balance, the access method accesses an amount in the overdraft balance through the overdraft account to complete the transaction.

Abstract: A voice Internet transmission system which enables a person to have a conversation via the Internet without having to use a computer at either end of the conversation, and without incurring long distance telephone charges regardless of the distance between those having the conversation. In a preferred embodiment, the apparatus consists of two non-Internet capable devices being enabled to connect to the Internet and either in duplex or simplex mode transmit packets of Internet formatted data comprising digitized, compressed and encrypted conversation between the devices. In other words, a person can pick up an ordinary telephone and converse with another person, regardless of the distance between them, without incurring long distance telephone charges. No special telephone is required, nor is a computer running special software. The apparatus which makes this possible is a system of Internet access nodes or VoiceEngines.

Abstract: Methods and systems using voice recognition can obtain complex data from a database using simple data obtained from a user. The database associates and stores complex data with simple data. The interactive voice response system prompts the user for simple information, such as a phone number, which can be interpreted using voice recognition. The speech-obtained simple data is then matched with the simple data stored in the database. If a match is found, the complex data (e.g., a street address) stored with the simple data is communicated to the IVR system. The IVR system communicates the complex data to the user and prompts the user to confirm whether the complex data is accurate. The database can be a third-party database such as a computer accessible phone directory or a credit bureau.

Abstract: A method and system for providing telephone services. An exemplary system includes a financial account having at least one balance. Funds can be added to the balance of the account using a variety of deposit mechanisms. Similarly, the funds located in the account may be accessed using a variety of financial mechanisms, including a debit card, check, and the like. In addition, the funds located in the account may be accessed with a telephone, where transactions performed by the telephone, such as telephone calls, Internet access, and the like, are directly funded by the financial account.

Abstract: A method and system for communicating financial information to the account holder, which includes generating account information in response to the occurrence of a transaction associated with the account holder's account. The account information contains data that is descriptive of at least one aspect of the transaction. The account information is transmitted to an electronic device associated with the account holder in the form of an alert message. The account information may include fields that have been selected by the account holder. Further, the account information may be transmitted to the electronic device using a delivery method selected by the account holder.

Abstract: A method and system for providing telephone services. An exemplary system includes a financial account having at least one balance. Funds can be added to the balance of the account using a variety of deposit mechanisms. Similarly, the funds located in the account may be accessed using a variety of financial mechanisms, including a debit card, check, and the like. In addition, the funds located in the account may be accessed with a telephone, where transactions performed by the telephone, such as telephone calls, Internet access, and the like, are directly funded by the financial account.

Abstract: A voice Internet transmission system which enables a person to have a conversation via the Internet without having to use a computer at either end of the conversation, and without incurring long distance telephone charges regardless of the distance between those having the conversation. In a preferred embodiment, the apparatus consists of two non-Internet capable devices being enabled to connect to the Internet and either in duplex or simplex mode transmit packets of Internet formatted data comprising digitized, compressed and encrypted conversation between the devices. In other words, a person can pick up an ordinary telephone and converse with another person, regardless of the distance between them, without incurring long distance telephone charges. No special telephone is required, nor is a computer running special software. The apparatus which makes this possible is a system of Internet access nodes or VoiceEngines.

Abstract: A voice Internet transmission system which enables a person to have a conversation via the Internet without having to use a computer at either end of the conversation, and without incurring long distance telephone charges regardless of the distance between those having the conversation. In a preferred embodiment, the apparatus consists of two non-Internet capable devices being enabled to connect to the Internet and either in duplex or simplex mode transmit packets of Internet formatted data comprising digitized, compressed and encrypted conversation between the devices. In other words, a person can pick up an ordinary telephone and converse with another person, regardless of the distance between them, without incurring long distance telephone charges. No special telephone is required, nor is a computer running special software. The apparatus which makes this possible is a system of Internet access nodes or VoiceEngines.

Abstract: A voice Internet transmission system which enables a person to have a conversation via the Internet without having to use a computer at either end of the conversation, and without incurring long distance telephone charges regardless of the distance between those having the conversation. In a preferred embodiment, the apparatus consists of two non-Internet capable devices being enabled to connect to the Internet and either in duplex or simplex mode transmit packets of Internet formatted data comprising digitized, compressed and encrypted conversation between the devices. In other words, a person can pick up an ordinary telephone and converse with another person, regardless of the distance between them, without incurring long distance telephone charges. No special telephone is required, nor is a computer running special software. The apparatus which makes this possible is a system of Internet access nodes or VoiceEngines.