31 patents
Utility
System and method for inter-bank and intra-bank mobile banking communications and transfers
30 Aug 22
Systems and methods for inter-bank and intra-application mobile banking communications and transfers including receiving a communication from a requesting device regarding a funds transfer, processing the communication to determine relevant funds transfer request details and initiating a communication window to allow fluid communication between a requestor and responder(s) regarding the funds transfer request.
Andy Lipshultz
Filed: 15 Apr 15
Utility
System and method for malware detection using hashing techniques
9 Aug 22
A system and method in accordance with example embodiments may include systems and methods for generating and transforming data presentation.
Christopher Marshall
Filed: 24 Jan 18
Utility
System and method for fraud control
21 Jun 22
A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk.
Thomas S. Poole, Lawrence Douglas, Matthew R. Brolund
Filed: 3 Jul 14
Utility
System and method for providing advertiser auctions based on segmentation informed by purchase data
22 Feb 22
A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding.
Luke A. Hammock, Janusz Michael Niczyporuk
Filed: 11 Nov 13
Utility
System and method for auctioning a first-in-wallet payment account status
14 Dec 21
A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning.
Luke A. Hammock, Janusz Michael Niczyporuk
Filed: 12 Mar 14
Utility
System and method for combining coupons with financial accounts
26 Oct 21
A system for linking coupons to financial accounts using a mobile device that includes a financial institution database that stores an account of an account holder, a communication interface of a financial institution that receives, via a network, coupon data associated with one or more discounts from a mobile device of the account holder, a linking processor that associates the coupon data with the account of the account holder, an authorization network interface that receives transaction data relating to transactions associated with the account of the account holder, a comparison processor of a financial institution that determines compares the coupon data with the transaction data to determine whether a qualifying transaction has occurred, and a discount processor of a financial institution that provides a credit to an account holder when a qualifying transaction has occurred.
Ketan Babaria, Bor J. Sun, Janusz M. Niczyporuk
Filed: 19 Aug 14
Utility
Method and system for providing alert messages related to suspicious transactions
22 Jun 21
Systems and methods are provided for providing alerts to a user.
Lawrence Douglas, Robert D. Rowley, Philip Kim
Filed: 25 Jan 18
Utility
System and methods for providing financial account information over a network
15 Jun 21
A system and method for providing financial account messages to customers while accessing web sites is disclosed.
Jonathan Turner, Arthur Koeppel
Filed: 21 Mar 19
Utility
System and method providing flow-through private label card acquisition
8 Jun 21
The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts.
Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
Filed: 27 May 14
Utility
Systems and methods for location sensing to facilitate best pricing options
14 Dec 20
Systems and methods are provided for purchasing merchandise items at a desired purchase price.
Thomas S Poole, Kaleen Love
Filed: 2 Jun 15
Utility
Systems and methods for providing enhanced loan qualification information
21 Sep 20
Methods and systems are disclosed for providing enhanced information relating to terms for financing a purchase, such as a real estate purchase.
Drew Jacobs, Luke A. Hammock, Michael W. Upton
Filed: 3 Nov 14
Utility
System and method for transaction learning
31 Aug 20
A system and method a method for providing for providing personalized transaction learning and tagging.
Moshe Benjamin
Filed: 1 Nov 15
Utility
Wearable transaction devices
20 Jul 20
The disclosed embodiments include wearable transaction devices.
Richard S. Just, Cameron M. Geiser
Filed: 10 Jan 18
Utility
Method for authenticating financial instruments and financial transaction requests
1 Jun 20
A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check.
James John Kelly, Robert Dean Rowley, III, Todd Adam Sandler, Daniel Lloyd Struble, Rudolph Christian Wolfs, Joseph DeLiberis
Filed: 20 Jul 17
Utility
Systems and methods for providing an interactive community through device communication
11 May 20
A wave device is disclosed.
Eric K. Barnum, Anthony Reynolds
Filed: 13 Nov 17
Utility
Methods, system, and computer-readable medium for location sensing in a store
27 Apr 20
Systems and methods are provided for assisting a customer with purchasing a merchandise item in a store.
Thomas S Poole, Kaleen Love
Filed: 2 Jun 15
Utility
Method and system for authorizing card account transactions by geographic region
6 Apr 20
A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.
Michele D. Matthews
Filed: 16 Apr 18
Utility
Systems and methods for product placement optimization by sensing customer traffic in stores
6 Apr 20
The disclosed embodiments generally relate to in-store customer traffic analysis systems and methods.
Thomas S. Poole
Filed: 27 Jul 15
Utility
Systems and methods for providing an interactive community through device communication
23 Mar 20
A wave device is disclosed.
Eric K. Barnum, Anthony Reynolds
Filed: 21 May 15
Utility
System and methods for providing financial account information over a network
16 Mar 20
A system and method for providing financial account messages to customers while accessing web sites is disclosed.
Jonathan Turner, Arthur Koeppel
Filed: 7 Oct 18