Abstract: An apparatus and method for aggregating and accessing data according to user information are provided. According to one aspect, an interface device for providing data between a first device and a second device comprises an input, an output, logic, and a repository for storing personal data and data associated with one or more users. The input of the interface device receives data in a first format from the first device. The logic receives a data request, identifies a second device for receiving the data, identifies a second format for the second device, and translates the data to the second format. The translated data is then transmitted to the second device via the output. The logic may further collect, aggregate, and transmit the aggregated data to a requesting device. The input may be a product identification input device. The second device may be billed for the data services.

Abstract: Described are methods and systems, including computer program products, for registering, configuring, and invoking actionable alerts. For example, an alert action is determined based on an alert. The alert is sent to a device based on an alert logic and the alert action is sent to the device based on a device capability. A received communication is identified as a response from the first device based on the alert requesting performance of the alert action.

Abstract: A method, and apparatus for executing the method, that includes creating a virtual account not limited to being associated with any one of a plurality of servers. The method further includes matching at least some authentication credentials of a first server of the plurality of servers with at least some authentication credentials of the virtual account.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future account discrepancy assessments.

Abstract: A computer-based funds transfer system provides funds transfer by making a request of a cash amount from an authorized device, then, responsive to the request, the authorized device transmits the request to a transaction server where the transaction server allocates funds and sends a code back to the authorized device. The authorized device displays the code as a bar code and the bar code is scanned by a terminal/system of a recipient. The terminal/system of the recipient sends the code and the cash amount to the transaction server. The transaction server validates the request and, if approved, sends a confirmation back to the recipient terminal/system and debits the user's account for the cash amount and the transaction server initiates a cash transfer to the recipient.

Abstract: The present invention includes an apparatus and method for identifying and connecting mobile devices by scanning a tag associated with a location, place, or other information.

Abstract: Computer-implemented method and system are provided for verifying a financial instrument. The method comprises receiving, via a user interface, the identification of one or more financial instruments. A transaction processor initiates at least one transaction using a variable detail and saves the variable detail in a database as a stored detail. A requested detail relating to the at least one transaction is received via the user interface and the transaction processor compares the stored detail with the requested detail. The use of the financial instrument is authorized if stored detail matches the requested detail.

Abstract: A facility for analyzing text capture operation traffic is described. The system receives indications of operations for capturing text from rendered documents performed by a plurality of users. The system performs collective analysis on the received indications, and outputs a result produced by the analysis.

Abstract: This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a portable electronic device.

Abstract: An image processing server in charge of a first image processing operation determines a reference value for a reference item; generates first reference information; calculates its charge; generates first charge information indicating its calculated amount of charge; and transmits the first reference information and the first charge information to the next location, separately from image data obtained by the first image processing operation.

Abstract: Exemplary systems, methods and computer-accessible mediums can receive information comprising a first speckle pattern(s) associated with a portion(s) of the paper. The information can be generated by an optical arrangement, and the first speckle pattern(s) can be compared with a second speckle pattern(s) to determine if a similarity, measure based on local or global descriptors is of equal to a predetermined amount or within a predetermined range.

Abstract: In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking acc

Abstract: Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale.

Abstract: Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.

Abstract: A system and method of handling remote check presentment (RCP) of a check may include receiving, from a computing device of a user, RCP data at a computing device, such as a computer server. A determination, by the computing system, of a risk factor associated with the RCP data may be made. In response to determining the risk factor associated with the RCP data, a determination, by the computing system, as to how to make cash available to the user prior to passing the check for clearance through a traditional check clearing process may be performed. The cash may be made available as determined to the user prior to passing the check for clearance through the traditional check clearing process.

Abstract: A system and method of certifying a check which involves a captured image of the check. An example method includes receiving by a first computer a request from a second computer to certify a check from a payer to a payee, the check serving to withdraw funds from an account of the payer, receiving by the first computer an image file containing an image of the check from the second computer, obtaining an account number and an amount from the image file by the first computer, determining using the account number whether funds equal to the amount are in the account, and when funds equal to the amount are in the account, putting a hold on the funds equal to the amount and issuing a certification number and a password by the first computer.

Abstract: A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from an account, associated with the first party to a mobile account associated with a phone number of a second party; notifying the second party of the amount to be remitted and an identity of the first party; receiving a personal identification component from the second party; accessing the mobile account based on the personal identification component; and depositing the amount into the mobile account. A request may be received from the second party to transfer a portion of the amount to a third party.

Abstract: Systems, methods, and computer program products are provided for automatically processing positive pay return decisions. Positive pay return decisions are financial client decisions that authorize return of a pay item, such as a check, in the event that the client determines that the pay item warrants return, such as in the instance in which the check has been fraudulently altered or the like. Automated processing provides for deleting pay status from a service management system, creating a credit transaction to credit an appropriate demand deposit account and creating a return file that identifies the item and the reason for return.

Abstract: The disposition of funds in a certificate of deposit (CD) may be specified at or near the time the CD is applied for. The depositor may specify disposition of funds such as transferring the funds to an account, paying a bill, donating the funds to charity, rolling over the funds into a new CD. The depositor may specify that a particular portion of the funds are to be rolled over, and that the remainder of funds are to be disposed of in a specified manner. If the depositor elects to roll over some or all of the funds in the CD, the depositor may specify how many times the CD is to be rolled over. Instructions for disposition of funds may be received through a web site, through e-mail, on paper, etc.

Abstract: Enhanced systems, processes, tools, techniques and strategies are provided for executing corporate entity changes between or among institutions, particularly with respect to minimizing the negative effects of the corporate change on customers of the institutions. In various embodiments, a method is provided for determining a wave assignment for a customer in connection with multiple waves of the corporate change. The method may include establishing a baseline wave assignment for customers of the acquired institution based on customer account data; determining lines of business associated with the customer account data; and, applying wave assignments to the customer account data in response to the baseline wave assignments and the lines of business, among other potential factors.

Abstract: A method is provided of operating a check image data processing facility to detect a duplicate check deposit. The method comprises receiving from a remote deposit capture device check image data which is representative of an image of a check being deposited by the customer, determining whether a MICR code line of the check image matches a MICR code line stored in a check item database, extracting check data from at least one focus area of the check image, transmitting a message to the remote deposit capture device to indicate to the customer that the check is a duplicate check based upon the check data extracted from the at least one focus area of the check image.

Abstract: The present disclosure discloses a portable business operations system having a multi-function device, a network interface and a user interface. Broadly, the multi-function device parses the content of one or more filled in application forms and verifies the completeness or accuracy of the forms. The network interface provides connectivity and communication between the portable system and one or more remotely located systems. Moreover, the user interface sends or receives electronic documents to and from one or more remotely located systems.

Abstract: A computer based banking system in which at least selected clients termed participating system members have access to a remote device adapted to communicate with the computer base banking system such that financial transactions can be conducted by remote operation of the remote device by the participating system member to result in the debiting of a financial data base record associated with an instructing participating system member and in the crediting of a different financial data base record. Each data base record is identified by a conventional account number generated to conform to banking numbering standards as well as a linked communication number.

Abstract: Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number referred to as a (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. In one embodiment, the image can be obtained using image capture technology on the user's mobile device. Users can then perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

Abstract: Methods, devices, and apparatuses are described for retroactively applying financial activity recorded at an electronic device temporarily disconnected from a network to an account. This may include a customer providing financial transaction information, wherein the financial transaction information comprises funds to be credited to or debited from the account. After a period of time, it may be determined that a previously unavailable network connection to the host computer system is available. The financial transaction information and a timestamp indicating when the financial transaction information was received at the electronic device may then be transmitted. The financial transaction may then be applied to the account retroactively at a time linked to the timestamp.

Abstract: This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data. The system includes a user's financial transaction data hosted in a data storage unit, addressable on a network, and accessible by a remote user on a user interface unit having a user input means and a display; and an expense reporting module having a graphical user interface (GUI) that allows a user to define project category data and associate representations of the user's financial data with the user-defined project category data.

Abstract: Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected.

Abstract: A financial report and method for processing and displaying relevant financial information in connection therewith include at least one transaction and abbreviated record relating to the transaction which contains only nonpersonally identifying information. The abbreviated electronic record can be one of a partial view image or an assemblage of textual information relating to the transaction. A hyperlink can also be included or substituted for the image or text. The invention also provides a method of selecting the portion of the abbreviated record that is displayed for the user which includes the division of an underlying document or image into relevant and irrelevant regions for selective inclusion in the report.

Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine may also include a client device that is operative to cause the display, card reader and other devices in the machine to operate in response to communications through the client device.

Abstract: A consolidated account may be created from several financial accounts such as checking accounts and bank loans. Deposits to one of the checking accounts may be applied to one of the bank loans which may minimize interest charges.

Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio.

Abstract: In some embodiments, a process for performing transaction tasks using a virtual terminal comprises: presenting functions to a user, receiving a selected function, and performing the selected function. The presented functions may comprise: (a) activating at least one card; (b) deactivating a card; (c) generating a PIN; (d) inserting value; (e) generating an End of Day report; and (f) managing users.

Abstract: A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national card account to the recipient of the certificate, the certificate having been purchased by a purchaser, who is not also the recipient, and containing all information necessary for the purchase of goods or services from any merchant who is capable of processing economic transactions involving one of the plurality national card accounts for which a physical card has issued, but without presentment of the physical card.

Abstract: The present invention is a new business method that intends to reduce the risk, help, and protect the economic security of the foreign families who are dependants from the income that come from the foreign workers inside the U.S.A. territory. The invention helps by offering protection through a life insurance by combining the Money Transmission Service and the Life Insurance Service. The invention cares for both the worker residing inside the U.S.A. territory and the family members inside foreign territory.

Abstract: Disclosed is a terminal device (10) for payment data exchange comprising interfaces for coupling to a point of sale devices (26), to a mobile phone (14), and to a payment center (1). The payment data exchange is performed on two different ways. In a first way from the payment terminal device (10) via the mobile phone (14) and the mobile voice network (5) to the authorization center (1) or, vice versa, from the payment center (1) via the mobile voice network (5) and the mobile phone (14) to the payment terminal device (10), wherein the payment data are transferred between the payment terminal device (10) and the mobile phone (14) on voice information. On the second way the data are transferred directly from the terminal device (10) via e.g. the network (5) to the authorization center (1) and, vice versa, from the payment center (1) via the network (5) to the payment terminal device (10).

Abstract: A teaching apparatus for enterprise input-output includes a base, said base defining a market system; a first block body defining a management module; a plurality of bands defining a production system and a product development system module, and a business system module, each band being sandwiched between two adjacent cuboids of the first block body; a vertical column defining a planning system module; a second block body defining a strategy module; a reverse quadrangle cone defining an information processing module; a cuboid vertical column disposed at a top of the reverse quadrangle cone; and a core solid column defining an internal information system, the core solid column penetrating through a center of the first block body, the bands, the vertical column, the second block body, the reverse quadrangle cone, and the cuboid vertical column.

Abstract: A method of saving money using a mobile phone to reach a savings goal. The method includes creating an electronic account; computing a periodic sum of money to be saved by the user according to the savings goal; receiving a first electronic message from the mobile device, the first electronic message includes a description of a service or product not purchased by the user and an amount of money not spent; storing the description and the amount in the account; computing a running total of the amount of money not spent. The method may also include transmitting a second electronic message, the second electronic message acknowledging the first electronic message, the amount not spent by the user, the amount remaining to be saved to reach the savings goal and/or the total amount not spent.

Abstract: Systems and methods for obtaining a personal identification number (PIN) from a client terminal are disclosed. A method includes storing, at the client terminal, PINs for plural prepaid services. The method also includes receiving, at the client terminal, a request for a PIN associated with a desired prepaid service corresponding to one of the plural prepaid services. A PIN request is then sent, from the client terminal, to a server when less than a predefined number of PINs associated with the desired prepaid service are stored at the client terminal. In response, one or more PINs associated with the desired prepaid service are received at the client terminal. The method further includes dispensing at least one PIN corresponding to the desired prepaid service from the client terminal.

Abstract: Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information.

Abstract: Embodiments of the invention provide apparatuses and methods for providing a graphical user interface on the display device, where the graphical user interface includes a graph viewing tool for charting data. The graph viewing tool includes: (a) a first display area displaying a first axis and a second axis of a graph, the first axis representing a first parameter of the data over a first range of values; (b) a second display area displaying a third axis representing the first parameter over a second range of values; and (c) a first tool and a second tool displayed in the second display area proximate the third axis, wherein the first tool and the second tool are configured such that they can be moved relative to each other and relative to the third axis to increase or decrease the first range of values displayed along the first axis in the first display area.

Abstract: A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.

Abstract: Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the checks as a function of the facsimile data, gathering check data from each of the digitized images, and processing the check data according to a check processing procedure to settle transactions referenced by each of the checks.

Abstract: A method is provided of operating an image-based self-service check depositing terminal when a customer at the terminal is conducting a check deposit transaction. A check to be deposited is received from the customer. An image capture device electronically captures check image data which is representative of an image of the check. The check image data is electronically transmitted via a first communications network to a web service provider to allow the web service provider to determine if the check being deposited is a duplicate check. A verification message is received from the web-based service provider indicating that the check being deposited is either a duplicate check or not a duplicate check. The check image data is transmitted via a second communications network to a consolidation server when the verification message indicates that the check being deposited is not a duplicate check.

Abstract: Methods and systems for selecting a payment source for use in making a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices. The mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device. The user selects a payment source for making a payment. The mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source. The mobile payment instruction is wirelessly communicated to the MFTS.

Abstract: The present invention provides, in alternative embodiments, a computer architecture and/or computer implemented methods for account opening. In some embodiments, the invention provides an integrated, component-based technology platform in which globally standardized, business configurable account opening processes are separate and decoupled from the user interface screens and are directly manageable by business functionality and/or personnel. In various embodiments, the invention provides pause and resume, save and retrieve, cross-channel, metrics, audit tracking, data logging, and/or straight-through processing capabilities for account opening.

Abstract: A security service providing method using a mobile terminal password and a mobile terminal thereof. A normal password and an emergency password are stored in a smart card in advance. When a password for using a special service is input by a mobile terminal user, the input password is compared with the normal password and the emergency password. When the input password corresponds to the normal password, a special service requested by the user is provided. When the input password corresponds to the emergency password, a predetermined emergency process is performed. According to the emergency process, an emergency message is transmitted to the outside through a predetermined emergency networking process, predetermined virtual process information is displayed, or an abnormal process message for indicating unavailability of provision of the requested special service is displayed to the mobile terminal.

Abstract: Dynamically enabling and facilitating supplier to supplier facilitated customer transactions. A prepaid value account is issued to a customer by a first supplier for use at participating suppliers. A customer interacts with a second supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria associated with the prepaid value account. The supplier interacts directly with the payment systems holding the prepaid value to partially or fully process payment for the transaction.

Abstract: A method, system and program product, the method comprising: obtaining at or before a first source reception cutoff time, first client account transaction information; obtaining a respective net transfer amount; selecting respective aggregated deposit account in depository institution in a first group based on selection rules, first group having recipient cutoff times in a first time range; generating transfer data; obtaining at or before a second source reception cutoff time, second client account transaction information; selecting an aggregated deposit account in a depository institution in a second group to deposit/transferor withdraw/transfer funds, based on selection rules, the second group having respective cutoff times in a second time range different from the first time range; generating transfer data; allocating funds from multiple of the client accounts to the transfers; and updating databases.

Abstract: An Internet-based check ordering system includes an Internet-based server having a check order entry user interface, a bank transit number computer system in operable communication with the Internet-based server computer system, a client computer system in operable communication with the Internet-based server computer system and a printing system in operable communication with the Internet-based server computer system to print the ordered checks.

Abstract: The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively allow such devices to function as an electronic wallet, a wireless PIN pad, and a contactless Smart Card.