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526 results about "Transaction account" patented technology
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A transaction account, also called a checking account, chequing account, current account, demand deposit account, or share draft account at credit unions, is a deposit account held at a bank or other financial institution. It is available to the account owner "on demand" and is available for frequent and immediate access by the account owner or to others as the account owner may direct. Access may be in a variety of ways, such as cash withdrawals, use of debit cards, cheques (checks) and electronic transfer. In economic terms, the funds held in a transaction account are regarded as liquid funds. In accounting terms they are considered as cash.
Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
InactiveUS20050171898A1Easy to manageEliminate needAcutation objectsFinanceData setFinancial transaction
Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read / write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read / write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.
Owner:LIBERTY PEAK VENTURES LLC
System and method for mass transit merchant payment
InactiveUS20060278704A1Eliminate needRelieving userAcutation objectsTicket-issuing apparatusTransit systemFinancial transaction
Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.
Owner:LIBERTY PEAK VENTURES LLC
Method, system, and computer program product for customer-level data verification
ActiveUS20070284433A1Improve accuracyReduce error rateComplete banking machinesFinanceData validationSource Data Verification
A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and / or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and / or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and / or merchant for use in a decision-making process, for example, to verify customer identity.
Owner:LIBERTY PEAK VENTURES LLC
Method and apparatus for summaries of prepaid instrument transaction activity
InactiveUS6115458AConveniently and efficiently generatingConveniently and efficiently and transmittingPayment circuitsVerifying markings correctnessCredit cardSummary data
A system for generating and transmitting summary transaction data includes a computer database from which information is compiled and forwarded to a requesting party automatically, i.e., without the need to interface with a human operator. A party having access to a prepaid transaction account number may access the host computer from a remote location and interactively request transaction information pertaining to the account using virtually any communication modality. The computer is suitably configured to communicate with one or more of the foregoing communication modalities and to automatically compile and transmit the summary data to a requested destination, for example, to a PC. The computer may further be configured to allow the requesting party to select among various formats to configure the form of the summary data. Summary transaction data may be generated and transmitted for virtually any type of prepaid transaction card, including phone cards, travel, credit cards, stored value (e.g., smart cards) cards, and the like.
Owner:LIBERTY PEAK VENTURES LLC +1
Online card present transaction
InactiveUS7292999B2Easy to optimizeRemove the burdenSecret communicationBuying/selling/leasing transactionsThe InternetPublic network
An online card-present transaction system facilitates card-present type transactions with a merchant over a public network. A host system is configured to accept authentication data from a user via an authentication device. The host system, after authenticating a user is configured to retrieve the user's account information from a user database system and translate a user account number into a temporary transaction number. The temporary transaction number is then transmitted directly from the host system to the merchant, thereby eliminating the need for the user to send to the merchant over the internet, the user's transaction account number.
Owner:LIBERTY PEAK VENTURES LLC
System and method for re-associating an account number to another transaction account
InactiveUS6991157B2Complete banking machinesCredit registering devices actuationCredit cardComputer science
A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).
Owner:CHARTOLEAUX +1
Microchip-enabled online transaction system
InactiveUS20020128977A1Prolong transaction processReduce riskPayment architectureDigital data authenticationSmart cardWeb page
A microchip-enabled online transaction system and method that emulates a "card-present" transaction in an online or remote environment by using an improved authentication and transaction system. More specifically, this system uses an authenticating instrument (e.g., smart card), an authenticating instrument reader (e.g., smart card reader), and a user-specific identification signature (e.g., user PIN) to better authenticate an online purchaser. Additionally, this system may also employ techniques (1) for transmitting to a merchant a secondary transaction number in place of the user's primary transaction account number, and (2) for automatically filling an online merchant's payment and shipping web pages with the appropriate profiled user information.
Owner:AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC
System and method for re-associating an account number to another transaction account
InactiveUSRE43157E1Complete banking machinesCredit registering devices actuationCredit cardComputer science
Owner:LIBERTY PEAK VENTURES LLC
System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
InactiveUS7805378B2Removal costReduced space requirementsTicket-issuing apparatusFinanceData setSystem usage
A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system and may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system uses the first portion of the transaction device identifier to reassemble the transaction device identifier for use in transaction completion.
Owner:LIBERTY PEAK VENTURES LLC
Systems, methods, and devices for combined credit card and stored value transaction accounts
The present invention generally relates to a single transaction account identifier that can be used for in transactions with one of multiple transaction accounts. The method includes one or more of the following steps: establishing at least two transaction accounts, wherein the transaction accounts are respectively associated with transaction account identifiers; receiving, at a transaction processing system, a common account identifier; recognizing the common account identifier as being associated with more than one account; and determining, which of the at least two transaction accounts to access for processing the transaction. The determining step may be based on selection criteria and the selection criteria may be modified by a user. One of the first and second transaction account identifiers may be forwarded to the respective first and second transaction accounts based on the determining step; and the transaction may be processed via the selected transaction account.
Owner:LIBERTY PEAK VENTURES LLC
System and method for consumer control over card-based transactions
A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary which is accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. For example, multiple transaction cards may be linked to a single credit account with each card having a different credit limit. As another example, each transaction card may be restricted to a particular merchant. As yet another example, a consumer may link several credit and / or debit accounts to a single transaction card; the consumer may pre-select criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or a telephone for making changes and receiving account information. Flexibility and control over the use of transaction cards is, therefore, provided for card-based transactions and for debit and credit accounts used in connection with such card-based transactions.
Owner:MASTERCARD INT INC
Systems and methods for providing a RF transaction device for use in a private label transaction
InactiveUS20050035847A1Reduce needImage analysisDigital data processing detailsHandling systemTransaction processing system
A RF transaction device is provided, which is operable to store a private label transaction account identifier associated with a private label transaction account. The invention further includes a RF operable reader in communication with a private label transaction processing system. The RF transaction device communicates with the reader to provide the private label transaction account identifier to the transaction processing system. As such, the invention provides a RF transaction device which may be used to complete a transaction using RF frequency in a contactless environment.
Owner:LIBERTY PEAK VENTURES LLC +1
System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
InactiveUS20100325041A1Reduced space requirementsTakes costFinanceIndividual entry/exit registersData setTransaction account
A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system. The proxy transaction device identifier may be stored on the database in any conventional merchant recognizable format. Additionally, the proxy transaction device identifier may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system may receive the proxy account identifier and uses the first portion of the transaction device identifier in a predetermined algorithm to reassemble the transaction device identifier for use in transaction completion.
Owner:LIBERTY PEAK VENTURES LLC
Loyalty Incentive Program Using Transaction Cards
ActiveUS20080021772A1Increase salesEliminate overheadFinancePayment architectureTransaction accountDatabase
A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.
Owner:AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC
Systems and methods for providing a RF transaction device for use in a private label transaction
InactiveUS7119659B2Reduce needImage analysisDigital data processing detailsTransaction processing systemDatabase
A RF transaction device is provided, which is operable to store a private label transaction account identifier associated with a private label transaction account. The invention further includes a RF operable reader in communication with a private label transaction processing system. The RF transaction device communicates with the reader to provide the private label transaction account identifier to the transaction processing system. As such, the invention provides a RF transaction device which may be used to complete a transaction using RF frequency in a contactless environment.
Owner:LIBERTY PEAK VENTURES LLC +1
System and method for securing sensitive information during completion of a transaction
InactiveUS20050033686A1Electric signal transmission systemsDigital data processing detailsSecurity MeasureIdentification device
A system and method for securing a Radio Frequency (RF) transaction using a proxy code, which is permanently assigned to the RF identification device (RFID) transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the RFID transaction device. The proxy code is uploaded onto the transaction device for later use in completing a transaction request. During transaction completion, the proxy code is provided to a merchant system in lieu of any sensitive transaction account information. Since the proxy code is permanently assigned, the number need not be changed or updated once uploaded into a payment device or merchant system. Since the proxy code contains no sensitive information, the sensitive information related to the transaction account is secured from theft where the merchant system internal security measures may fail.
Owner:LIBERTY PEAK VENTURES LLC
Stock right registration transaction system building method based on alliance chain
InactiveCN107038638AEnsure openness and transparencyGuaranteed to be authenticFinanceProtocol authorisationSystem buildingDatabase
Owner:HANGZHOU YUNXIANG NETWORK TECH
Managing transaction accounts
Owner:AMAZON TECH INC
System and method for authenticating a RF transaction using a transaction account routing number
InactiveUS7312707B1Electric signal transmission systemsAntenna arraysComputer hardwareRadio frequency
A system and method for securing a Radio Frequency (RF) transaction using a Radio Frequency Identification (RFID) transaction device are provided. A random number is transmitted from an RFID reader to an RFID transaction device, an RFID transaction device authentication tag is created in the RFID transaction device, using at least the random number, a routing number associated with a transaction account, and a stored counter value. The RFID transaction device authentication tag is transmitted to the RFID reader, the stored counter value in the RFID transaction device is incremented, and a transaction request for verification, which comprises the RFID transaction device authentication tag and the stored counter value, is transmitted and processed. Either the RFID transaction device authentication tag or the stored counter value, or both, are verified.
Owner:LIBERTY PEAK VENTURES LLC
Allocating funds for payment of transactional account statements
InactiveUS20050075975A1Affording financial disciplineFinanceBilling/invoicingSet-asideComputer science
Systems and methods for providing electronic management of transactional accounts. A computer device is used to provide financial resource allocation and accountability among various groups of accounts, including source accounts and transactional accounts. When a user employs a transactional account to make a purchase, the amount of the purchase is electronically set aside, frozen or otherwise held from a source account and preserved until a payment is required for the transactional account at the close of a billing period. Accordingly, when a payment for the transactional account is required, funds are available for full payment of all purchases made during the billing cycle, thereby affording financial discipline to the user.
Owner:IN2M CORP
Systems and methods for approval of an allocation
InactiveUS7899744B2Increase purchase intentionConvenient transactionComplete banking machinesFinanceDatabaseTransaction account
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for authorizing an allocation of an amount between transaction accounts
InactiveUS8275704B2Increase purchase intentionConvenient transactionFinanceCommerceDatabaseTransaction account
Owner:LIBERTY PEAK VENTURES LLC
System, method, and computer program product for saving and investing through use of transaction cards
A system, method, and computer program product are used for saving through use of transaction cards. This is done through associating a transaction account of the transaction card with one or more deposit accounts. An amount of funds to be deposited from the transaction account into the deposit account is established. A number of times a deposit will be made is established. A time duration between the deposits when more than one deposit will be made is established. An event that initiates at least a first one of the deposits is established. The amount of funds from the transaction card account is deposited into the deposit account based on the above criteria.
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for facilitating secure transactions
A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and / or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.
Owner:LIBERTY PEAK VENTURES LLC
System and method for secure transactions manageable by a transaction account provider
InactiveUS7543738B1Cash registersIndividual entry/exit registersFinancial transactionTransaction account
Owner:LIBERTY PEAK VENTURES LLC
System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device
InactiveUS20100153269A1FinanceBuying/selling/leasing transactionsComputer hardwareMobile communication channels
An interface for a mobile communication device is provided, including at least one memory unit configured to store read / write data associated with transaction accounts, at least one user interface software application, and at least one contactless communication protocol application. A radio frequency identifier unit having an antenna communicates with a radio frequency identifier reader through a contactless transaction account communications channel distinct from a mobile communications channel of the mobile communication device. An input / output interface unit communicates with a corresponding input / output interface unit of the mobile communication device and provide access to and control of the at least one memory unit and the radio frequency identifier unit by a processor of the mobile communication device.
Owner:LIBERTY PEAK VENTURES LLC
System and Method for Organising and Operating an Electronic Account
A method for a user to operate accounts with a user device when the user device is operably connected to a communications network, the user having at least one transaction account, the method including the steps of: (a) the user establishing any number of linked transaction accounts and associating same with the at least one transaction account; (b) the user establishing account operating rules for the at least one transaction account and any linked transaction accounts; and (c) the user operating a user device to access the at least one transaction account and / or any linked transaction accounts.
Owner:ON Q TECH PTY LTD
System and method for determining and affecting a change in consumer behavior
InactiveUS20120271689A1Reduce riskStronger consumer loyaltyFinanceMarketingSystems analysisTransaction account
Owner:AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC
Quick-filling customer asset trading system
InactiveUS20050137962A1Quickly and efficiently submit orderQuick and efficientFinanceSpecial data processing applicationsThe InternetInput control
Apparatus and methods for use by a customer for trading assets, such as foreign exchange instruments, using a variety of trading protocols on an interconnected computer network, such as the Internet. The invention generates and displays easy-to-use, context-sensitive and meaningfully organized panels or windows containing visibly distinctive, user-activatible selectors and input controls the customer can manipulate to select and execute trades against the best available quotes as they are supplied by multiple providers. In a single-bank execution mode, the invention automatically determines the best quotes received from a multiplicity of providers and helps the customer submit a single-bank order to one of those providers. In a multi-bank execution mode, the invention automatically identifies and helps customers submit a best multi-bank order, which may comprise a combination single-bank orders split up among multiple providers who have each submitted quotes having insufficient sizes. The user also may specify other trading terms, such as trading accounts and order sizes, for the assets to be traded.
Owner:FX ALLIANCE
Using a transaction card account to make recurring loan payments
A system, method, and computer program product are used to make recurring loan payments (e.g., mortgage payments) through a transaction card account. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requester and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. Periodic debits to the transaction card account are automatically made that correspond to a recurring loan payment amount for the loan.
Owner:LIBERTY PEAK VENTURES LLC
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