Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.

Abstract: Disclosed is a system and associated method for restricting access to a customer's online banking account based on customer-defined online-banking access restrictions. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account.

Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) initiate, via a mobile device, a transaction request for a mobile banking transaction; (b) store the transaction request for the mobile banking transaction in a queue for mobile banking transaction requests; (c) retrieve from the queue, using a computing device, the transaction request for the mobile banking transaction, wherein the computing device is different from the mobile device; and (d) complete, using the computing device, the transaction request for the mobile banking transaction.

Abstract: A payment system for rapidly facilitating funds transfers from a payer to a payee. The payment system generally includes enrolling a payee with a payer, verifying the payee information, sending an introductory message to the payee, receiving an acceptance message from the payee, receiving a funds request message from the payee, depositing funds into a payee financial institution and sending a funds deposited message to payee. In an alternative embodiment, a customer initiated payment system allows customers to initiate payments to a merchant.

Abstract: Methods, systems, and computer readable media for facilitating a remote deposit to a prepaid card account are disclosed. In one example, the method includes receiving, via an application programming interface (API) supported by a central switch node, a web based service message containing a load request from an acquiring entity. The method further includes utilizing, at the central switch node, the load request to identify an issuing entity that hosts a prepaid card account associated with the load request from among a plurality of issuing entities and communicating the load request from the central switch node to the issuing entity.

Abstract: The present disclosure relates to a financial instrument having a monetary value associated with it and a system and method for using such financial instrument. The financial instrument is generated by a bank and further issued to a retailer for further distribution. The customer who wishes to deposit a cash amount into a specific bank account in the offline environment may buy such financial instrument from the retailer's location. At the time of buying, the financial instrument is activated by the bank's server (system) upon authentication of retailer's and customer's identity. After activation, the retailer/customer may initiate the deposition of the cash amount by redeeming the financial instrument. The redemption may be carried out by various authentication techniques. Once the retailer and the customer are successfully authenticated, the cash amount is instantly deposited into the given bank account. The deposited cash amount is equivalent to the financial instrument purchased by the customer.

Abstract: Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) receive input relating to user-designated trusted locations for completing a mobile banking transaction, (b) receive input from the user relating to a transaction request, (c) determine whether the mobile device is located at a trusted locations, and (d) complete the transaction request; or store the transaction request in a queue for mobile banking transactions on the mobile device.

Abstract: Disclosed is a system and associated method for providing alerts regarding a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently determining whether a computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and transmitting a notification that the computing device has engaged in the predefined online banking transaction to the mobile device based on determining that (i) the computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and (ii) the mobile device is associated with the customer's online banking account.

Abstract: Provided are a computer-implemented method and system in the form of an integrated application programming interface (API) for booking payments entered in an accounting software application, comprising: receiving a user's selection of invoices to be paid in a user interface; determining the total value of invoices to be paid; allowing the user to select a currency exchange rate provided to transfer the monies due from a bank account of the user to a beneficiary account of each of the one or more suppliers; receiving a user's selection of currency exchange rate and payment approval; executing the funds transfer to each of the beneficiary accounts; allowing the user to automatically post the funds transfer to the accounting software application once confirmation of the funds transfer is received; and automatically posting an exchange gain or loss in the accounting software application based on the funds transfer.

Abstract: Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again.

Abstract: The present disclosure may include, for example, a method for facilitating establishment of a remitting agreement between equipment used by a vendor and equipment used by a provider, enabling, by way of the equipment used by the provider, the equipment used by the vendor to communicate with equipment used by a customer permitting the customer to purchase a product or service of the vendor, and initiating between the equipment used by the provider and the equipment used by the vendor a remittance from an account associated with the vendor of a portion of a transaction amount associated with a purchase transaction made by the equipment used by the customer. Additional embodiments are disclosed.

Abstract: The Multi Disparate Gesture Actions And Transactions Apparatuses, Methods And Systems (“MDGAAT”) transform gesture, video, and audio inputs via MDGAAT components into action, augmented reality, and transaction outputs. receiving from a wallet user multiple gesture actions within a specified temporal quantum; determining composite constituent gestures, gesture manipulated objects, and user account information from the received multiple gesture actions; determining via a processor a composite gesture action associated with the determined composite constituent gestures and gesture manipulated objects; and executing via a processor the composite gesture action to perform a transaction with a user account specified by the user account information.

Abstract: In accordance with one or more embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a user via a kiosk device and a mobile communication device over the network. In various implementations, the systems and methods include accessing at least one account related to the user, depositing finds into the account based on a cash deposit request received from the user at the kiosk device, and transferring funds from the account to one or more other accounts, related and/or unrelated to the user, based on a fund transfer request received from the user via the mobile communication device.

Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Abstract: A graphical interface and method are provided for selectively displaying market information corresponding to a plurality of tradeable objects. According to one example method, a scanning feature is provided in relation to a number of tradeable object indicators. Upon detecting a predefined movement of a user input device in relation to the plurality of indicators, a graphical interface dynamically displays market information corresponding to the tradeable objects as a predefined movement of the user input device is detected in relation to the tradeable object indicators.

Abstract: Example systems and methods that allow access to a value holding account are described. In one implementation, a method receives a first request for a second account code after activation of a selector on an account access object associated with a value holding account. The second account access code is associated with a first account access code that is associated with the value holding account. The first account code allows access to the value holding account for a first determinable period. The method generates a second request for the second account code and communicates the second request to the value holding account. The second account code is received from the value holding account and allows access to the value holding account for a second determinable period that differs from the first determinable period. The method provides the second account code to a user of the account access object.

Abstract: Security of near-field communication (NFC) may be enhanced. A user authentication may be provided via a mobile device enabled as a first NFC device. The user authentication may be specified by an end user of the mobile device for permitting NFC with a second NFC device. The user authentication may be related to an environmental object or a perspective of the mobile device specified by the end user. It may be determined whether the mobile device and the second NFC device are in proximity to one another. When the mobile device and the second NFC device are in proximity to one another and a detected action performed by a user with the mobile device is substantially similar to the provided user authentication, NFC between the mobile device and the second NFC device may be permitted.

Abstract: Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for the meal or other transaction, to facilitate payment, to print receipts, and to communicate information about the transaction to a cash handling device. The cash handling device may identify the handheld order unit and the assigned user for the unit and determine what financial documents need to be inserted by the user for reconciliation purposes.

Abstract: A customer can obtain a refund for a credit card purchase by interacting with an agent of the merchant. The existing payment infrastructure is used, but without the direct participation of the merchant and without generating a chargeback against the merchant. A customer request for a refund is received and validated against multiple data streams including sales data and/or fraud screening databases. For a validated refund request, refund data is stored in a refund database and communicated over the payment processing network to create the refund from the merchant to the customer credit card.

Abstract: Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks.

Abstract: A staged bill payment transaction method comprises receiving transaction information from a user terminal at a kiosk, building a staging record at a data center in communication with the kiosk, and providing a retrieval key to the sender. The transaction information includes sender and biller information, for example where the sender has an account with the biller. The staging record comprises the transaction information and the retrieval key, which identifies the staging record for finalizing the transaction. If the retrieval key leads to the staging record at the data center, the staged bill payment transaction proceeds to credit a send amount to biller. If not, the transaction is rejected.

Abstract: A partner portal system for a financial sector including a processor tangible machine-readable media including code implementing at least common access functions including providing a partner administrative access defining partner role-based access control and a partner management framework feature defining a partner and assigning partner roles including a partner type and creating workflow for the partner, generic framework functions including managing partner-related settings including incentive and commission calculation including setting up a type of incentive scheme for the partner, common infrastructure requirement functions including a multilingual feature supporting interface screens to be displayed in a local language, a multi entity feature providing a multi-entity banking environment associating a bank across different geographies to use banking software in a single hosting environment, and a multi channel feature providing operating capabilities through multiple channels including mobile devices a

Abstract: A banking portal system including a processor, memory coupled to the processor, a configuration storage including configuration data stored in a computer-readable storage medium, the configuration data including user information for a plurality of users registered with the banking portal system, where the plurality of users are from partner organizations of different business partner types including retail partner, regulator partner, and prospect partner; and portal functionality for conducting transactions with a bank in conjunction with the partner organizations, where the portal functionality includes retail-partner-specific functionality, regulator-partner-specific functionality, and prospect-partner-specific functionality.

Abstract: Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

Abstract: Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

Abstract: Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

Abstract: Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

Abstract: Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.

Abstract: A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by a customer for purchase, determining a required payment amount for the items, obtaining identification information from the customer, obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information, creating a check image, sending a request for payment message providing access to the check image and the payment information to a mobile communication device of the customer using the contact information in the customer profile, and receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a 2D barcode containing the check image and the payment information.

Abstract: This disclosure includes methods and systems for restricting a transfer of funds from an electronic financial account after a lock feature has been engaged in response to an account lock request. In some embodiments, the method or system restricts a first transfer of funds, but allows a second transfer of funds while the lock feature is engaged. In some embodiments, one of a plurality of lock features is engaged based on a text string contained in the account lock request.

Abstract: A system and/or method may be provided to implement instant payments on mobile devices. In particular, the system may allow a user to designate websites or mobile apps at which the user may make instant payments without user authentication. As such, when the user makes payments at the designated website or mobile app, the system may process payments without requesting the user's user ID and/or password. For example, instant payments may be made by two operations from the user, e.g., two clicks. In particular, the user may click a button to request payment and click another button to confirm payment. Thus, the user may make payments quickly without additional efforts.

Abstract: Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.

Abstract: In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second.

Abstract: As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the electronic files from the various branches of the bank are forwarded to a central back office processing center where the electronic files are combined into a single Transaction Repository. At the end of the branch day, all of the paper associated with the transactions is forwarded from the branches to the back office processing center. The paper transactions are imaged in the conventional manner and the Magnetic Ink Character Recognition (MICR) data is read from the paper. The present invention then automatically correlates the images and MICR data captured from the paper with the complete transaction record contained in the Transaction Repository. Most of the conventional back office processing can now be performed without the need to perform character recognition and without the need for excess human intervention.

Abstract: The present invention describes techniques for facilitating secure electronic financial transactions between parties without sharing main bank account information or other sensitive financial data. The invention provides an innovative financial transaction method consisting of utilizing definite-use electronic bank accounts. Each definite-use electronic bank account is created for a specific transaction, specific obligation, and/or specific payment amount only. There is a parent-child relationship between a main bank account and definite-use electronic bank accounts. This is a hierarchical relationship, meaning that definite-use electronic bank accounts are created and funded using the main bank account. Each definite-use electronic bank account is assigned a random account number, which is retired upon the closure of the associated financial transaction.

Abstract: In one embodiment, a mechanism for providing real-time audio-based financial asset information is disclosed. In one embodiment, a method includes receiving a trigger event related to a financial asset from a computer of a user of a financial asset information system while the user is away from the computer, contacting the user via a phone call, and playing an audio signal to the user where a change in sound volume of the audio signal correlates to a deviation of the financial asset from the trigger event.

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 backup account recovery authentication of last resort using social authentication is described. The account holder requests trustees who have been previously identified to obtain an account recovery code. The account recovery system sends a communication to the trustee for information to verify the trustee as one of the previously identified trustees. The account recovery system then may transmit a link and code with instructions for the trustee to return the link. The account recovery system then transmits a situational query to the trustee to provide additional security. Finally, if all the communications have been completed for the required level of security, the account recovery code is transmitted to the trustee. The trustee sends the account recovery code to the account holder for access to an account.

Abstract: A controller comprising: a database; a control module associated with the database; and a network interface configured to connect, over a network, to a plurality of workstations and at least one machine for performing operations to handle cash and/or other physical financial documents. The network interface receives requests from at least some of the workstations over the network, each comprising a request to pre-order a respective one of the operations. The requests are stored in the database. The network further receives, over the network, a signal from or on behalf of a slave module of the machine for retrieving one of the requests from the database. The control module processes the signal and in response releases the respective operation, the release comprising issuing an instruction to the slave module over the network controlling the machine to perform the respective operation to handle the cash and/or other physical financial document.

Abstract: Embodiments of the present invention include transfer account machines, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds.

Abstract: A system for disbursing funds for entertainment includes a portable module that is configured to process customer information. The module is configured to allow the customer to undertake a plurality of transactions, including a quasi-cash transaction. The module includes at least one input device coupled to or formed in the module. The at least one input device is further configured to obtain an electronic endorsement from the customer and to place the electronic endorsement in an electronic image. The module further includes an output device coupled to or formed in the portable module. The output device is configured to create a negotiable instrument for the quasi-cash transaction.

Abstract: Systems and methods are disclosed for providing access and authentication scenarios for mobile, or remote, banking via a client device. A financial service provider system determines a desired level of security for various mobile banking transactions, and configures a unique login credential or attribute for each level or tier of security. After receiving an indication that a user desires to perform a mobile banking transaction, and determining the mobile banking transaction desired by the user, the financial service provider system prompts the user for the associated login credential or attribute. Finally, the system receives and validates the credential.

Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conversation box to a customer of a financial institution. Embodiments initiate presentation, to the customer of the financial institution, of an interface comprising a graphical interactive conversation box; initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of a graphical element representing a transaction; receive customer selection of the graphical element for inclusion in the conversation box; and initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of the graphical element or a representation of the graphical element superimposed over the conversation box or presented as part of the conversation box.

Abstract: A system is provided for funding changes regarding financial transactions. The system may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to, for example, identify a first financial transaction for a first amount involving a first financial account associated with a user, and determine a second financial account associated with the user that can be used to fund the first financial transaction. The one or more processors may also be configured to provide a funding type change option that identifies the second financial account as an alternate financial account for funding the first financial transaction, receive a funding type change indication to change the funding type of the first financial transaction from the first financial account to the second financial account, and process the funding type change indication.

Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.

Abstract: Systems and methods disclosed herein provide improved security against fraudulent direct deposit enrollments in an issuer-effectuated direct deposit enrollment system. By providing visibility across multiple account products and issuers, the system is able to detect fraudulent enrollments and create negative lists that may be shared among, and utilized by, multiple issuers.

Abstract: A system and method is presented for validating received required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to receive an element of clearing information. The form is updated based on validation rules. The validation rules (1) define a relationship between at least one of the clearing information fields and the clearing information received from the user and (2) specify acceptable values for the clearing information received by a given clearing information field. The received clearing information is analyzed in relation to the clearing information fields by applying the validation rules to adjudicate the clearing information received in the given clearing information field as acceptable or invalid.

Abstract: A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit.