Remote Banking (e.g., Home Banking) Patents (Class 705/42)
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Publication number: 20140279483Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia and payment information from a second apparatus, wherein the payment information comprises an amount of funds; identify an account associated with the readable indicia based on searching a database of records; process the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds; transmit an acknowledgement of payment transfer to a third apparatus associated with the identified account.Type: ApplicationFiled: March 14, 2013Publication date: September 18, 2014Applicant: Bank of America CorporationInventors: Eileen D. Bridges, Lisa Gibson, James G. Ronca, Mark D. Zanzot, Susan Smith Thomas
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Publication number: 20140279488Abstract: Computer-implemented systems and methods for transferring images of a negotiable bank instrument and related information from one user to a second user at a remote location for review and verification by the second user are disclosed. The system can also enable the second user to variously utilize the information and images of the negotiable bank instrument for electronic deposit of funds in an account at a financial institution. The images can be transmitted to a financial institution for electronic deposit into an account. The images can also be converted into an image replacement document (IRD) which can then be transmitted to a financial institution for electronic deposit into an account. The images can also be transmitted to a third party processor for generation of the image replacement document, among other things.Type: ApplicationFiled: March 13, 2014Publication date: September 18, 2014Applicant: TGALLISON Technologies, LLCInventors: Bernardine W. Drake, Glenn F. Drake
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Publication number: 20140270461Abstract: 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.Type: ApplicationFiled: March 13, 2013Publication date: September 18, 2014Inventors: Siva G. Narendra, Donald Allen Bloodworth, Dana B. LeMoine, Prabhakar Tadepalli
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Publication number: 20140279481Abstract: 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.Type: ApplicationFiled: March 13, 2013Publication date: September 18, 2014Inventors: Siva G. Narendra, Donald Allen Bloodworth, Dana B. LeMoine, Prabhakar Tadepalli
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Publication number: 20140258117Abstract: A bulk deposit can be made at a financial institution based on dealings between a remitter and the remitter's agent. Information concerning transactions between the agent and the agent's customers, may be transferred by the agent to the remitter and, in turn, from the remitter to a service provider that is distinct from the agent, the remitter, and the remitter's bank. The service provider can generate a deposit slip and store in a database, information about the slip. This deposit slip may be marked with transaction amounts for the agent's customers, the bulk cash to be deposited; and a summary of any discrepancy between the two. The provider may make available to the financial institution at least some of the transaction information including its correlation to the deposit slip, and detail greater than that produced on the deposit slip.Type: ApplicationFiled: January 22, 2014Publication date: September 11, 2014Inventor: Daniel Holland
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Publication number: 20140258116Abstract: In the field of banking and financial services, a flexible Open Origination allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality that allows any user regardless of account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, an in order to become familiar with the experience of doing business with the bank or financial institution that provides the software. This method, system and software allows any user, regardless of where his/her accounts are located, to use the software and benefit from its functionality.Type: ApplicationFiled: March 8, 2013Publication date: September 11, 2014Inventor: John Ryan Caldwell
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Patent number: 8824772Abstract: Improved systems and methods for detecting and correcting image errors and risks in remote deposit systems during an in-line or in-process troubleshooting session are disclosed. Various embodiments include systems for displaying remote deposit session data to a support technician with links for invoking an image display or image editor user interface during a troubleshooting session. The links can be included in one or more individual remote deposit session events, records, or tasks, such as check image uploads and bi-tonalization events. The image editor can be used to manually or automatically correct any detected errors or flaws in uploaded or processed deposit document images. The corrected check images can be then be stored and used to complete or reprocess a remote deposit.Type: GrantFiled: October 23, 2012Date of Patent: September 2, 2014Assignee: Ensenta Inc.Inventors: Edward Viera, Richard Klein, Jim Ballagh, Teddy Usman, Dmitri Boudtchenko, Crystal Carroll, Paulo dos Santos, Rajini Jagathesan, Chaitanya Mittipelli, Nhan Phan, Sharmila Pusarla
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Publication number: 20140244499Abstract: Money transfer requests are received from a remote location (such as from an off-shore ship). Enhanced security is provided by receiving, as part of a money transfer request, a device ID of an off-shore POS device at the remote location used to transmit the money transfer request and path IDs of one or more points in the path over the Internet that the message uses to reach a money transfer host. The device ID and path IDs are compared to data received in advance that specifies the IDs of an authorized device and authorized path.Type: ApplicationFiled: February 26, 2013Publication date: August 28, 2014Applicant: THE WESTERN UNION COMPANYInventor: Lance W. Gruner
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Publication number: 20140244498Abstract: Disclosed are electronic systems and techniques for implementing a banking transaction and feed display system are provided that allow a user to visualize and interact with a financial transaction feed displayed on a mobile device. The feed displays a list of transactions made over a defined period of time, and the user selects different views, grouping the financial transactions by type, by recipient, by donor, by amount, and so on. The banking transaction and feed display system provides a rich set of tools to allow the user to customize the views and quickly display a desired format. The system also enables peer to peer payments to contacts stored in an address book on the mobile device.Type: ApplicationFiled: February 26, 2013Publication date: August 28, 2014Applicant: RAWLLIN INTERNATIONAL INC.Inventors: Rodion Shishkov, Dmitry Bocharov
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Publication number: 20140236820Abstract: Methods and systems for depositing a check using a mobile device are disclosed. Methods may include, for example, receiving, from a mobile device, a deposit request and check image, performing an image quality analysis and a check decision authorization process using the request, determining whether the deposit would exceed one or more limits, and if not, determining a type of processing for the deposit. If a warranty processing system is used, the method may include creating and sending an image file associated with the check to a bank associated with the check decision provider, and sending an approval response to a bank associated with the account issuer; and if self-risk processing is used, the method may include creating and sending an image file associated with the check to a bank associated with the account issuer. Similarly, disclosed systems may include memory containing instructions configured to operate such methods.Type: ApplicationFiled: February 20, 2013Publication date: August 21, 2014Applicant: Certegy Check Services, Inc.Inventors: Thomas CARLTON, Aaron CALIPARI, Karen EAGLE
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Publication number: 20140236819Abstract: A method for issuing paperless checks includes receiving a check request from a first computing device associated with a payer. The check request identifies a payee to receive a monetary amount but does not include any account information associated with the payee. In response to the check request, a paperless check is transmitted to the payee. A deposit request is received from a second computing device associated with the payee. The deposit request includes account information associated with the payee and requests deposit of the paperless check. The deposit request is validated and the monetary amount is electronically transferred from a first account associated with the payer to a second account associated with the payee.Type: ApplicationFiled: February 18, 2013Publication date: August 21, 2014Applicant: Bank of America CorporationInventor: Sanjay D. Pillay
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Patent number: 8807424Abstract: An automated banking machine can operate to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read a user identifier from a magnetic stripe of the user's card. Financial transfers are carried out responsive to machine communication with a transaction host computer. The machine also sends the read user identifier to a remote marketing computer. The marketing computer uses the user identifier to determine the next marketing presentation in a marketing campaign that is to be presented to the user. Responsive to a message received from the marketing computer, the machine operates to display the determined next marketing presentation to the user. The marketing campaign includes a sequence of presentations to be output in a predetermined order to the user.Type: GrantFiled: April 29, 2013Date of Patent: August 19, 2014Assignee: Diebold, IncorporatedInventor: James Meek
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Patent number: 8811711Abstract: Embodiments of the invention are directed to methods, apparatus systems and computer program products that provide for using real-time video analysis for recognizing financial document images by capturing a real-time video stream using a mobile device, wherein the video stream features one or more financial documents, analyzing and correlating the images in the real-time video stream to the images necessary to process the financial document, providing notice to a user of additional images needed to process the financial document and communicating the information associated with the financial document to a financial institution to complete a transaction once sufficient images of the financial document have been captured to process the financial document.Type: GrantFiled: January 1, 2012Date of Patent: August 19, 2014Assignee: Bank of America CorporationInventors: Matthew A. Calman, Erik Stephen Ross
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Publication number: 20140229374Abstract: A mobile, handheld electronic (processor-based) device that can be used for banking functions, including writing checks from a checking account, confirming the account balance, reviewing account activity in a ledger format, and other banking-related functions. Using the processor, the device may: (a) maintain and display both a ledger for the personal bank checking account and a current account dollar balance for the personal bank checking account based on the check data and the deposit data stored in the at least one memory; (b) transmit, via a local data network, data for a new check written by the user from the personal bank checking account at a point-of-sale location; and (c) update activity for the checking account with transaction data received from a remote bank computer server system via the mobile telecommunications network.Type: ApplicationFiled: February 14, 2013Publication date: August 14, 2014Inventor: LaToya H. James
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Patent number: 8805740Abstract: 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.Type: GrantFiled: March 27, 2013Date of Patent: August 12, 2014Assignee: Wells Fargo Bank, N.A.Inventors: Martin Davis, Michael Thomas Duke
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Patent number: 8805725Abstract: Systems and methods for providing payment vehicle recommendations are provided herein. In the systems and methods, a transaction associated with one of a transaction amount and purchase items is identified based on the transaction data; one or more payment rules associated with the transaction are identified; the terms of the one or more payment rules are compared with the transaction amount or purchase items; the most favorable payment vehicle for the transaction is determined based on the comparison of the terms of the one or more payment rules and the transaction amount or purchase items; and a recommendation of at least one payment vehicle is provided based on the determination of the most favorable payment vehicle on a display of a mobile device of a user.Type: GrantFiled: June 18, 2012Date of Patent: August 12, 2014Assignee: Bank of America CorporationInventor: Matthew A. Calman
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Publication number: 20140222671Abstract: Disclosed is an automated computerized system and customer facing electronic device screen interface that acts as virtual integrated automated teller machine, referred to herein as the iATM system. The iATM system enables electronic terminal device users to request and authorize their preferred financial services through the existing automated teller machine (ATM) and point-of-sale (POS) networks by automating non bank third party financial services transactions on the electronic terminal device. The iATM system utilizes an aggregate of personal and third party services information, multifactor authentication and non-depository virtual accounts, acting as temporary transaction accounts, to enable transaction acquiring processors and third party service providers to give electronic device users access to third party services over financial networks, utilizing a new and novel method that requires no modifications to the existing ATM and POS network infrastructure.Type: ApplicationFiled: February 7, 2013Publication date: August 7, 2014Inventor: Aurelio Elias
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Patent number: 8800027Abstract: An authentication method and system provides for a user requesting authentication where the authentication request includes Personally Identifiable Information (PPI) such as geolocation data. The user's device requesting authentication alters or encrypts the PII in order to prevent the PII's unintentional discovery by third parties or to comply with jurisdictional requirements for the safeguarding of PII. The receiving party saves the altered or encrypted PII for later use. In order to use the PII and perform calculations for authentication, the receiving party requests a trusted third party with knowledge of the methodology or key used to alter or encrypt the PII to perform calculations on the original values of the PII without saving the PII. The trusted third party returns a computed value to the receiving party where it is used to determine whether the user will be authenticated.Type: GrantFiled: September 14, 2012Date of Patent: August 5, 2014Assignee: EMC CorporationInventor: Karl Ackerman
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Patent number: 8799158Abstract: The present invention is directed to verifying information related to one or more transactions using an electronic or telephonic medium, for example. In operation, a user of the electronic or telephonic medium makes phone calls, uses bandwidth or data, or purchases items. Information associated with the transactions is sent to a default location and stored in a data storage location, such as a data storage location. Tariff information associated with the transactions may also be stored in the data storage location. The tariff information and the information related to the transactions themselves are used to generate a first bill. At the end of a time period a second bill is received from the service provider associated with the electronic or telephonic medium. The first bill is cross-verified against the second bill. If any discrepancies are found the user and/or the service provider is notified.Type: GrantFiled: February 23, 2007Date of Patent: August 5, 2014Assignee: KYOCERA CorporationInventor: George Mathew
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Patent number: 8798368Abstract: A digital image of the object is captured and the object is recognized from plurality of objects in a database. An information address corresponding to the object is then used to access information and initiate communication pertinent to the object.Type: GrantFiled: April 3, 2013Date of Patent: August 5, 2014Assignee: Nant Holdings IP, LLCInventors: Wayne C. Boncyk, Ronald H. Cohen
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Patent number: 8799142Abstract: Systems, methods and software for processing and displaying information associated with a plurality of currency exchange transactions to a forex dealer in real time, i.e. substantially simultaneously with the receipt or placement of the associated transactions orders or position requests.Type: GrantFiled: January 23, 2013Date of Patent: August 5, 2014Assignee: FXDirectDealer, LLCInventor: Shawn Vulte Dilkes
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Patent number: 8799163Abstract: A computer implemented method for offering financial instruments to pre-qualified consumers is disclosed.Type: GrantFiled: March 20, 2012Date of Patent: August 5, 2014Assignee: JPMorgan Chase Bank, N.A.Inventor: James J. LeKachman
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Patent number: 8793490Abstract: The invention provides a method for performing an authentication (and a system for performing the method), in conjunction with a transaction, utilizing a primary channel and a secondary channel. The method may include an authenticating entity, such as a bank, (1) receiving from a customer primary authentication information via a primary channel; (2) the authenticating entity processing the primary authentication information, and retrieving customer information based on the primary authentication information; (3) the authenticating entity transmitting secondary authentication information to the customer via a secondary channel, the secondary channel being different than the primary channel; (4) the authenticating entity receiving from the customer at least a portion of the secondary authentication information; and (5) the authenticating entity performing authentication processing on the secondary authentication information received from the customer.Type: GrantFiled: December 13, 2006Date of Patent: July 29, 2014Assignee: JPMorgan Chase Bank, N.A.Inventor: Stanley A. Szwalbenest
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Patent number: 8792751Abstract: Embodiments of a computer system, a method and a computer-program product (e.g., software) for use with the computer system are described. These embodiments allow a user to provide an image of a document for use with software, such as an image of a financial document for use with financial software. In particular, the user can provide the image of the document, for example, by taking a picture of the document using a cellular telephone. This image may be converted into an electronic format that is suitable for text and numerical processing using a character-recognition technique, such as optical character recognition or intelligent character recognition. Errors in the electronic version of the document, if present, may be identified and corrected by comparing the electronic version to information maintained by a third party. This information may be accessed based at least on one or more items in the electronic version of the document.Type: GrantFiled: July 27, 2009Date of Patent: July 29, 2014Assignee: Intuit Inc.Inventors: Amir Eftekhari, Erikheath A. Thomas, Carol Ann Howe, George Thomas Ericksen, Gerald B. Huff, Gang Wang
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Patent number: 8793185Abstract: A method facilitating secure financial transactions using email is presented comprising the steps of receiving bill data at a server implementing the method, and generating an email message to a recipient with information including at least a portion of the received bill data. The amount of bill data included in the email message is based, at least in part, on the email address of the recipient.Type: GrantFiled: August 16, 2001Date of Patent: July 29, 2014Assignee: Microsoft CorporationInventors: Ian V. Hollier, Michael L. Waterston
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Publication number: 20140207672Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enrolling a user in a device identification program. In some embodiments, a system is configured to: receive device identification information from a mobile device, receive user information associated with a user, the user information enabling identification of the user, associate the device identification information with the user information, and create a record based on the device identification information and the user information.Type: ApplicationFiled: August 19, 2013Publication date: July 24, 2014Applicant: BANK OF AMERICA CORPORATIONInventor: William Earnest Kelley
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Patent number: 8788419Abstract: A method and system are provided for mitigating the risk of fraud in Internet banking. In an embodiment comprising an end user seeking access to the Internet banking site of a financial institution, the end user having already satisfied a first authentication requirement (such as providing a valid user ID and password), the end user is required to satisfy a second authentication test when a measure of improbability associated with the login exceeds a threshold. The measure of improbability, in an embodiment, is based on the improbability of a combination of session statistics such as IP address, browser ID, hour of day, and time since the user's last valid login.Type: GrantFiled: December 30, 2006Date of Patent: July 22, 2014Assignee: First Data CorporationInventors: Maurice Samuels, Joseph Bruce, Cindi Lieblich
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Patent number: 8788278Abstract: A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system.Type: GrantFiled: August 28, 2007Date of Patent: July 22, 2014Assignee: MoneyGram International, Inc.Inventors: Chrismar Scribner, Brent Carter, Todd Shellenbarger, Ryan Jandris, Tani Kalweit
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Patent number: 8788374Abstract: A method for account parallel processing used by an account processing center to process a request for account operation is disclosed. The method comprises: (1) categorizing accounts as high parallel occurrence accounts and common accounts; (2) when receiving the request from the client for processing operation of an account, firstly determining whether the account is a high parallel occurrence account; and if the account is a high parallel occurrence account, continuing to a step (3), otherwise, conducting a step (4); (3) if the account is locked, queuing a current operation to wait until implementation of the current operation; and (4) further determining, by the account processing center, whether the account is locked and outputting an error message when the account is locked, otherwise implementing the current operation. Such method provides more high quality services to the high parallel occurrence accounts.Type: GrantFiled: July 14, 2010Date of Patent: July 22, 2014Assignee: Alibaba Group Holding LimitedInventors: Xinlin Yu, Fangxin Lou
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Patent number: 8788389Abstract: This disclosure includes methods and systems for limiting the transfer of funds from an account after a lock feature for the account has been engaged in response to an account lock request. The account lock request can be sent via an SMS message. The lock request can limit the transfer of funds from the account, and generally limit usage of the account for financial transactions. The account can be a funding source for a payment account.Type: GrantFiled: September 9, 2013Date of Patent: July 22, 2014Assignee: Quisk, Inc.Inventor: Jorge M. Fernandes
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Publication number: 20140201075Abstract: A method and device of performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient is provided. The method include transferring a respective blind payment identifier, which is associated with a payment having a monetary value, from a wireless personal communications device of the originator to a wireless personal communications device of the recipient by using a direct device-to-device communications protocol. The personal communications device includes means arranged to communicate wirelessly with a remote payment system to set up a payment therewith including by obtaining and storing a blind payment identifier; and means arranged to communicate directly with a proximal, second personal communications device and impart the blind payment identifier thereto.Type: ApplicationFiled: March 6, 2014Publication date: July 17, 2014Applicant: The Royal Bank of Scotland plcInventors: John King, Alan Yuill
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Patent number: 8781963Abstract: The invention provides systems and methods that provide a mobile banking platform to a user. The system may be in the form of an application disposed in a mobile customer machine, the application tangibly disposed in the form of code on a computer readable medium. The application may comprise a processing portion that interfaces with a human user and interfaces with a bank processing system, the processing portion providing financial related functionality relating to a financial account of the user, the processing portion: (1) inputting data related to the financial account from at least one of the user and from the bank processing system; (2) inputting a command related to the data; (3) performing processing on the data in response to the command; and (4) outputting a result based on the processing performed, the result output to at least one of the user and the bank processing system.Type: GrantFiled: November 12, 2010Date of Patent: July 15, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Shuying Feng, Anil Jacob
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Publication number: 20140195426Abstract: A method is permitted to permit remote log in credential authentication for mobile users seeking access to a computer system through a second party computer system such as an aggregator.Type: ApplicationFiled: September 8, 2012Publication date: July 10, 2014Inventor: Ryan Caldwell
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Publication number: 20140195427Abstract: A method for analysing mobile handset based transactions between sender handsets and receiver handsets comprising the steps of: identifying locations of a sender handset and a receiver handset for each transaction using mobile base station information; determine a geographical distribution of mobile handset based transactions based on the identified locations; and identifying anomalies by comparing the determined geographical distribution with an expected geographical distribution.Type: ApplicationFiled: October 24, 2011Publication date: July 10, 2014Applicant: VODAFONE IP LICENSING LIMITEDInventors: Gregory Reeve, Peter Cornforth, Jason Downing
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Patent number: 8775290Abstract: 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.Type: GrantFiled: January 29, 2014Date of Patent: July 8, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Christopher Lyon, Benedict O. Okoh, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas
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Patent number: 8775284Abstract: A method for evaluating fraud suspects is provided that includes receiving suspect data identifying a plurality of suspects of a fraud. Monetary transaction information associated with the fraud is received for the suspects. For each suspect, a value for each of a plurality of criteria associated with the fraud is determined based on the monetary transaction information. Criteria weights are applied to the values for each suspect to generate a score for the suspect indicative of a likelihood of fraud.Type: GrantFiled: April 7, 2000Date of Patent: July 8, 2014Assignee: VECTORsgi, Inc.Inventors: Thomas J. Crook, Mark J. Nigrini, John W. Howell
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Patent number: 8775188Abstract: Embodiments of the present invention provide a method for voice approval, where the method includes: receiving voice approval request information sent by an enterprise application server; establishing a voice communication connection with the terminal according to the contact information of the approver terminal; sending approval content audio information corresponding to the voice approval request information to the approver terminal; receiving feedback information, and obtaining approval result information according to the feedback information; and sending the approval result information to the enterprise application server. Embodiments of the present invention also provide a device and system for voice approval. In the embodiments of the present invention, the enterprise application server and the enterprise gateway are combined and improved to enable an approver to approve, in voice mode, an approval request raised by an applicant, thereby increasing the approval efficiency.Type: GrantFiled: July 25, 2013Date of Patent: July 8, 2014Assignee: Huawei Technologies Co., Ltd.Inventors: Weijun Deng, Yu Yin, Liyan Song
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Publication number: 20140188724Abstract: An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the automatic teller machine. The check is scanned to generate an image. A transaction is performed involving the check. The image is transmitted to a mobile device associated with the user, wherein the image is in a format for use with a financial program.Type: ApplicationFiled: March 5, 2014Publication date: July 3, 2014Applicant: EBAY INC.Inventors: Rabindranath Dutta, Dwip N. Banerjee
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Publication number: 20140188722Abstract: A self-service transaction automatic optimization service control system is provided, which includes a time-slicing service mode generating module, a service interrupting signal generating module and a self-service terminal control module. Wherein, the time-slicing service mode generating module is configured to detect the current user queue of the self-service terminal and identify whether the user queue is in a long queue state, convert the self-service terminal from a general service mode to a time-slicing service mode if the user queue is in a long queue state, otherwise maintain the self-service terminal maintain in the general service mode, wherein the time-slicing service mode provides business service of specific time or specific number of times to the user currently in operation of the self-service terminal.Type: ApplicationFiled: July 4, 2012Publication date: July 3, 2014Applicant: GRG Banking Equipment Co., Ltd.Inventors: Fei Xie, Qinghua Wang, Yunpei Chen, Xingfeng Xie, Pinde Tao
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Patent number: 8768836Abstract: A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such as a paper check from a third party, payable to the depositor. The enabling system features a Remote Customer Terminal (RCT) with certain input devices, connected to a bank system. An image and/or other data of the financial instrument are transmitted from the RCT to the Bank of First Deposit (BOFD) where the data may be processed by conversion to Electronic Funds Transfer (EFT), via Electronic Check Presentment (ECP), or via check reconstruction. The deposit transaction can be accomplished without physical transfer of the financial instrument to or through the bank system. The system and method provide convenience and improved transaction processing speed compared to other deposit transactions of financial instruments.Type: GrantFiled: August 7, 2007Date of Patent: July 1, 2014Assignee: JPMorgan Chase Bank, N.A.Inventor: Ravi V. Acharya
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Patent number: 8769275Abstract: Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement.Type: GrantFiled: October 17, 2006Date of Patent: July 1, 2014Assignee: VeriFone, Inc.Inventors: Clay Werner von Mueller, Scott R. Yale, Patrick K. Hazel, Paul Catinella
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Publication number: 20140180919Abstract: Using an advanced messaging system, customers can purchase goods or services from a vendor without either the vendor or the advanced messaging system itself having access to sensitive financial information of the customer. The customer communicates directly with their financial institution to authorize a payment to a vendor from one of their accounts, resulting in funds being pushed from the customer account at the request of the customer. There is therefore no need for customer account information to leave the customer's financial institution. An alternative use of an advanced messaging system is for the transfer of funds between accounts.Type: ApplicationFiled: December 20, 2012Publication date: June 26, 2014Inventor: Nicholas Anthony Lindsay Brown
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Patent number: 8762210Abstract: A system and method process a transaction between a merchant and a consumer at a point of sale (POS). Transaction information for the transaction is received from the consumer at the POS. The transaction information identifies an alternative payment option of an alternative payment provider to use for the transaction. A universal merchant platform (UMP) is requested to approve the transaction with the alternative payment provider of the identified alternative payment option. The request includes the received transaction information and is provided to the UMP according to a unified payment implementation. In response to approval of the transaction, an order identifier is received from the UMP. The order identifier uniquely identifies the transaction. The UMP is requested to authorize and/or capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option.Type: GrantFiled: March 15, 2013Date of Patent: June 24, 2014Assignee: Cardinalcommerce CorporationInventor: Chandra S. Balasubramanian
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Patent number: 8762277Abstract: Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards a system that is configured to receive transaction data from customer-oriented terminals. The transaction data includes requests for monetary transfers on behalf of customers that hold a checking or savings account at a financial institution. In response to receiving the transaction data, the system accesses customer account information, which can include the amount of funds in the checking or savings accounts. The system determines whether sufficient funds exist in the accounts to cover the financial transactions. In response to a potential overdraft of one or more customer accounts, stored customer information is accessed to determine and authorize overdraft deferment eligibility of the customer based upon the stored customer information. The system defers an overdraft fee by providing a grace period during which funds can be transferred to cover the overdraft.Type: GrantFiled: April 19, 2013Date of Patent: June 24, 2014Assignee: U.S. Bank National AssociationInventors: Valerie Felice Cameo, Mark Dickelman, Victoria Ann Vogt
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Patent number: 8762269Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.Type: GrantFiled: December 17, 2013Date of Patent: June 24, 2014Assignee: Capital One Financial CorporationInventors: Gagan Kanjlia, Scott Zimmer, Alexander S. Wilson, Vishal Puri
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Publication number: 20140172702Abstract: A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.Type: ApplicationFiled: February 20, 2014Publication date: June 19, 2014Applicant: PPS Data, LLCInventors: Danne L. Buchanan, William Ronald Titus
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Patent number: 8756157Abstract: A system transfers money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card or account information. A payee registers a payment account with a service provider. A system receives an identification, generated from a business entity, of the payee and information associated with a notice to be transmitted to a device associated with the payee. The system transmits the notice (advertisement or offer) to the device, the notice being associated, prior to the transmitting, with the payee payment account and being transmitted prior to the payee buying product or service associated with the notice using the payee payment account. The system receives receiving an indication of a purchase associated with the notice and completed using the payee payment account and applies an amount of money associated with the notice as a discount.Type: GrantFiled: March 3, 2014Date of Patent: June 17, 2014Assignee: GiftYa LLCInventors: Patrick Ledbetter, Adam Ludwig
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Patent number: 8751393Abstract: Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating banking transactions. The system may include a computer memory storing a plurality of banking application programs and an interactive virtual environment generator for generating an interactive virtual banking environment, the environment including visual and audio components. The system may additionally include a user input sensing mechanism for accepting and interpreting user voice input received in the interactive virtual banking environment and computer processing components for accessing the stored banking application programs and executing the stored banking programs within the generated interactive virtual banking environment enabling the user to perform banking tasks through voice input to the interactive virtual banking environment.Type: GrantFiled: November 16, 2011Date of Patent: June 10, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: Sean H. Murray, Allison Anne Keevil
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Patent number: 8751387Abstract: Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request is for a split payment to a plurality of receiving parties. The request is processed to establish one or more payment transactions. A single transfer of funds is sent from an account of a sender to at least one account of a receiving party of the plurality of receiving parties.Type: GrantFiled: October 1, 2009Date of Patent: June 10, 2014Assignee: eBay Inc.Inventors: Damon Charles Hougland, Musaab At-Taras, Jason Alexander Korosec
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Patent number: 8751392Abstract: A method to transfer money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card information is disclosed. A payee registers a payment card with a service provider. The payment card is associated with a payment card account. A payor transfers an initial amount of money to the service provider to be given to the payee, when payee uses the registered payment card for a specified spending category. The service provider stores the money until the payee uses the registered payment card to make a qualified purchase.Type: GrantFiled: February 28, 2014Date of Patent: June 10, 2014Assignee: GiftYa LLCInventors: Patrick Ledbetter, Adam Ludwig