US20070106558A1 - System and method of automatic insufficient funds notification and overdraft protection - Google Patents

System and method of automatic insufficient funds notification and overdraft protection Download PDF

Info

Publication number
US20070106558A1
US20070106558A1 US11/539,947 US53994706A US2007106558A1 US 20070106558 A1 US20070106558 A1 US 20070106558A1 US 53994706 A US53994706 A US 53994706A US 2007106558 A1 US2007106558 A1 US 2007106558A1
Authority
US
United States
Prior art keywords
computer program
purchase
program code
account
code means
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US11/539,947
Inventor
Joan Mitchell
Scott Mastie
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
International Business Machines Corp
Original Assignee
International Business Machines Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by International Business Machines Corp filed Critical International Business Machines Corp
Priority to US11/539,947 priority Critical patent/US20070106558A1/en
Assigned to INTERNATIONAL BUSINESS MACHINES CORPORATION reassignment INTERNATIONAL BUSINESS MACHINES CORPORATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: MASTIE, SCOTT D., MITCHELL, JOAN L., DR.
Publication of US20070106558A1 publication Critical patent/US20070106558A1/en
Abandoned legal-status Critical Current

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/047Payment circuits using payment protocols involving electronic receipts
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/203Inventory monitoring
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/209Specified transaction journal output feature, e.g. printed receipt or voice output
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00Receipt-giving machines

Definitions

  • the present invention generally relates to business transactions and more particularly to in-store business transactions and payment of such in-store business transactions and self service transactions at electronic Point of Sale kiosks, such as at automated gas pumps and the like.
  • tracking bills, payments and receipts can be a very time consuming process.
  • a business may have multiple employees on expense accounts or otherwise spending company money, each too busy to take time to promptly account for expenditures. Even if business promptly entered expenditures and receipts in the books, many businesses only balance their financial books/checkbooks once a month.
  • accounting software packages to assist small businesses in these complicated and time-consuming accounting tasks. Unfortunately, these off-the-shelf packages depend upon either manually entering the data or periodically downloading checking account and credit card information from multiple accounts.
  • the present invention is related to a method and program product for conducting business transactions and avoiding inadvertent overdrafts.
  • An account identified for payment e.g., a checking account or a credit card account
  • alerts may be provided whenever the analysis indicates that the account has insufficient funds.
  • the purchase may be halted or another form of payment may be selected.
  • total in-store purchases may be estimated and other accounts may be analyzed to determine if, in addition to being overdrawn for the selected account, the transaction is over budget.
  • FIG. 1 shows an example of a preferred point-of-sale (POS) terminal electronic receipt generation environment, for customer transacting business at POS terminals.
  • POS point-of-sale
  • FIG. 2 shows a flow chart example of notifying a business/merchant that an account is becoming overdrawn by a purchaser/customer in the environment of FIG. 1 .
  • FIG. 3 shows a flow chart example providing optional consumer purchase estimates, wherein a customer estimates the availability of funds.
  • FIG. 4 shows another flow chart example of an over total budget estimate based on a purchase estimate.
  • FIG. 5 shows a flow chart example of optionally providing over-budget alerts based on the itemized electronic receipt, e.g., as a result of an over total budget estimate.
  • FIG. 1 shows an example of a preferred point-of-sale (POS) terminal electronic receipt generation environment 10 , customer location (i.e., identified with a client business) 12 and point-of-sale terminal 14 (hereinafter “POS terminal 14 ”), such as described in published U.S. patent application Ser. No. 10/430,824 (Attorney Docket No. BLD920030021US1), entitled “Point-of-Sale Electronic Receipt Generation” to Joan L. Mitchell et al., filed May 6, 2003, published Nov. 11, 2004, publication No. 2004/0225567 A1, assigned to the assignee of the present invention and incorporated herein by reference.
  • POS terminal 14 point-of-sale
  • Customer locations 12 e.g., a wallet that includes, for example, cash 16 , a check 18 , a credit card 20 and/or a smart card 22 , or any other suitable well known payment mechanisms for paying for merchandise, e.g., gift certificates or store credits.
  • Customer location 12 may also communicate with POS terminal 14 using a personal digital assistant (PDA) 24 or any other suitable handheld computer or communication system, with an appropriate communication port (not shown), e.g., infrared (IR) or radio frequency identification (RFID).
  • PDA personal digital assistant
  • IR infrared
  • RFID radio frequency identification
  • POS terminal 14 conducts each sales transaction and generates an electronic receipt 26 for each and, optionally, a conventional paper receipt 28 .
  • individuals, families, and businesses receive real time cash-flow and budget analysis, and as a byproduct of each transaction, improved financial health.
  • a customer, shopper or purchaser (used interchangeably) at a customer location 12 is identified with a private or public concern is conducting a transaction with a merchant or other business concern.
  • the private concern may be, for example an individual household, a business or other organization or business.
  • a public concern may be, for example, a business or a non-profit organization.
  • a customer/purchaser may be a member of the household, a business employee or a member of the organization.
  • the POS 14 is located with the business concern 30 , e.g., in a bank, on the premises of a department or grocery store or, is suitably located for electronic purchases (e-purchases).
  • the present invention facilitates budget compliance, even when a particular customer is not paying attention to the effects of individual purchases during shopping, to mitigate the effects of impulse-buying and other extra-budgeted purchases.
  • Each POS terminal 14 may be located on customer premises 30 , e.g., a bank, or be remotely located and include an imager 40 , a check/currency inserter 42 , a receipt instruction receiver 46 with a receipt destination retriever 62 , an electronic receipt generator (ERG) 48 with an authenticating data generator (ADG) 50 , a transmitter 52 and any other components (OC) 54 .
  • Imager 40 converts cash (paper currency or bills) 16 , and/or checks 18 into images 58 that may be inserted by check/currency inserter 42 into a paper receipt, 28 an electronic receipt 26 or both for recordation.
  • Electronic receipt generation and storage is also described, for example, in published U.S.
  • Receipt instruction receiver (RIR) 46 may include a destination retriever (DR) 62 and receive receipt instructions (RI) 60 .
  • Each receipt instruction 60 includes a Receipt Destination Identifier (RDI) 64 and a content instruction (CI) 66 .
  • a receipt instruction 60 reflects communicated customer preferences, e.g., provided verbally and manually entered to POS terminal 14 or electronically generated. Electronically generated customer preferences may be gathered, for example, from an electronic payment from, for example, a credit card 20 , a smart card 22 , a PDA 24 or any other suitable electronic payment mechanism.
  • Each RDI 64 expressly or implicitly indicates where to send a corresponding electronic receipt, if any.
  • An RDI 64 may expressly state a receipt destination 65 as, for example, an Internet protocol (IP) address, a mailing address, an e-mail address, e.g., for a non-volatile storage.
  • Customer identification may imply a receipt destination 65 stored in a receipt destination database 68 , e.g., by business name, by credit card number, by smart card identification, or by PDA based IR communications.
  • the destination retriever 62 retrieves implied destinations from receipt destination database 68 .
  • the electronic receipt generator 48 generates an electronic receipt 26 for each transaction, e.g., from date and time; merchant; issuing agent; and merchant address.
  • Electronic receipts may be in a standard format, e.g., electronic data interchange (EDI) format or a personalized electronic receipts 26 based on content instruction 66 , e.g., indicated in a content database 70 .
  • Authentication data generator 50 can provide transaction authentication data 72 for confirming that an electronic receipt 26 has not been altered.
  • authentication data 72 may include receipt contents, date, time, a merchant identification or, biometric data collected from the purchaser.
  • the authentication data 72 may be stored at a merchant system 74 for access by receipt destination 65 with each receipt 26 or transmitted separately to receipt destination 65 .
  • the transmitter 52 communicates electronic receipts 26 and authentication data 72 to receipt destinations 65 and/or merchant system 74 .
  • POS terminal 14 components 54 may include, for example, a keyboard, a central processing unit (CPU), a monitor, a bar code scanner, a telecommunications system, a credit card authentication system, a smart card authentication system, a PDA communications system, RFID detection modules and/or a cash drawer.
  • CPU central processing unit
  • monitor a monitor
  • bar code scanner a bar code scanner
  • telecommunications system a credit card authentication system
  • smart card authentication system a smart card authentication system
  • PDA communications system RFID detection modules and/or a cash drawer.
  • receipt destination 65 includes an expense accounting system 80 such as a customer employer expense reporting system, a customer personal expense tracking system (e.g., Quicken®, Microsoft Money®, TurboTax® or a spreadsheet application) and/or a customer accountant expense tracking system.
  • Each electronic receipt 26 provides immediate information for cash flow and budget purposes to expense accounting system 80 .
  • the expense account system 80 may include an expense categorizer (EC) 82 categorizing each electronic receipt 26 into an expense category, e.g., clothing, food, or entertainment.
  • EC expense categorizer
  • a tax data collector (TDC) 84 gathers tax related data in electronic receipts 26 , e.g., sales tax, deductible expenses, deductible donations, and medical expenses.
  • a tax authority (TA) 86 e.g., the US Internal Revenue Service (IRS), a state tax department, or foreign equivalent thereof
  • IRS Internal Revenue Service
  • the receipt destination 65 may include appropriate receipt storage 88 for long term archiving.
  • FIG. 2 shows a flow chart example 100 of notifying a business concern according to a preferred embodiment of the present invention that an account may be under-funded and so, not have sufficient funds to cover a current transaction, e.g., a purchase or purchases by a purchaser in the environment 10 of FIG. 1 .
  • the business/merchant may obtain an estimate of each customer's purchases, e.g., at POS terminal 14 .
  • the POS terminal 14 scans the selected form of payment, e.g., check 18 , credit card 20 , smart card 22 and/or PDA 24 .
  • the POS 14 generates a temporary electronic receipt 26 , which the POS 14 forwards to the receipt destination 65 .
  • step 108 the Expense Account System 80 , for example, analyzes the corresponding bank or credit account to determine if the account is under-funded and, as a result of the current purchase, it may become overdrawn in step 108 .
  • a suitable example of using electronic receipts for real-time analysis of cash-flow and budgeting is disclosed in published U.S. patent application Ser. No. 10/430,824 (Attorney Docket No. BLD920030021US1) entitled “Point-of-Sale Receipt Generation” to Joan L. Mitchell et al., filed May 6, 2003 and published Nov. 11, 2004, publication No. 2004/0225567 A1.
  • step 110 the purchase proceeds in step 112 , e.g., by finalizing the temporary electronic receipt for the current customer. Otherwise, if the customer is under-funded in step 108 , such that the current purchase exceeds customer funds and the corresponding account will be overdrawn or a credit limit will be exceeded; then in step 114 the business/merchant is alerted, e.g., by a POS terminal message. Thus, the business/merchant receives an application alert or another notification when a customer has exceeded his/her purchasing authority, e.g., is exceeding the budget or an account will be overdrawn.
  • step 116 the customer also is notified, e.g., by a message displayed on the credit card/smart card scanner, or on the PDA 24 , and the customer may select another form of payment, e.g., cash 16 instead of credit card 20 or a different credit card.
  • overdraft notification enables purchasers to switch the method of payment or transfer funds on-the-fly and in real time to avoid incurring bounced check and/or overdraft fees.
  • the business/merchant avoids the aggravation of collecting bad or bounced checks.
  • the respective bank/creditor may offer additional account protection services, e.g., verifying that the customer has subscribed to the service in step 108 and only providing an indication for subscribers. For example, services may be offered to help individuals, families and businesses to avoid insufficient funds or over-credit situations that would otherwise arise.
  • FIG. 3 shows a flow chart example 120 of providing optional consumer purchase estimates, wherein a customer estimates or calculates the purchase cost and the availability of funds according to a preferred embodiment of the present invention.
  • the purchaser decides whether to check for sufficient funds or remaining available credit to cover current purchases in one or more accounts. If an estimate is unnecessary, then the purchase proceeds in step 124 . Otherwise, in step 126 the customer calculates or estimates a total for current purchases. The result is forwarded to the receipt destination 65 and in step 128 the Expense Account System 80 , for example, analyzes the corresponding bank or credit account in real time. In step 130 the results of the real-time analysis are returned to the customer to determine if the current purchase exceeds available funds in step 132 .
  • step 124 If sufficient funds are available to complete the current purchase in step, then the purchase proceeds in step 124 . Otherwise, if in step 132 the current purchase exceeds the available funds such that the corresponding account will be overdrawn or the credit limit exceeded; then in step 134 the customer is notified, e.g., by a message displayed on the credit card/smart card scanner, or on the PDA 24 , and the customer may select another form of payment to complete the purchase in step 124 , e.g., using cash 16 instead of credit card 20 .
  • these alerts enable purchasers to switch the method of payment or transfer funds on-the-fly and in real time to avoid incurring the bounced check and overdraft fees.
  • the customer can forward an expected purchase amount, e.g., an estimate or a calculated amount.
  • an expected purchase amount e.g., an estimate or a calculated amount.
  • the customer can access a bank or credit account by cell phone, PDA, or other handheld device (or use a merchant's kiosk such as an ATM machine in a store or on an automated gas pump) and, enter the expected amount for purchasing the merchandise in step 128 .
  • Multiple responses can be returned in step 130 including “OK,” “Borderline” (e.g., within $200 or a certain minimum funding limit), and “insufficient funds.”
  • the expected amount is replaced with the final purchase amount from the electronic detailed receipt. Meanwhile other purchasers using the same account are warned based on the updated available funds, to have current data and avoid secondary over-credit or insufficient funds instances.
  • the public/private concern avoids having compounded the problem, and may avoid it altogether.
  • FIG. 4 shows a flow chart example 140 of an over total budget estimate based on a purchase estimate, substantially similar to the example of FIG. 3 with like elements labeled identically.
  • the purchaser decides whether to check for sufficient funds to cover current purchases in one or more accounts. If an estimate is unnecessary, then in step 124 , the purchase proceeds. Otherwise, in step 126 the customer estimates the total for current purchases. The estimate is forwarded to the receipt destination 65 and in step 142 the Expense Account System 80 , for example, analyzes the customer's budget in real time. In step 144 the results of the real-time analysis are checked to determine if the budget will be exceeded as a result of the current purchase.
  • step 144 If sufficient budgetary resources are available to complete the current purchase in step 144 , then the purchase proceeds in step 124 . Otherwise, if in step 144 the budget or a budget sub-category will be exceeded; then, in step 146 the purchase is halted, e.g., by a message displayed on the credit card/smart card scanner, or on the PDA 24 .
  • the customer may be allowed to select another form of payment to complete the purchase in step 124 , e.g., using cash 16 instead of credit card 20 , or replenish necessary funds before close-of-business, to prevent expensive insufficient funds situations.
  • the customer may elect to override the budget warning, provided that sufficient funds exist.
  • over-budget notification enables individuals/businesses to stop such purchases on-the-fly and in real time, also to avoid incurring the results of an under-funded account, e.g., a bounced check, overdraft fees or an over-credit situation.
  • the customer may adjust budgeted amounts to prevent generating budget alerts.
  • FIG. 5 shows a flow chart example 150 of optionally providing over-budget alerts based on the itemized electronic receipt, e.g., as a result of an over total budget estimate 140 of the example of FIG. 4 .
  • a budget alert is generated.
  • recent receipts are scanned.
  • the concern's accounts are analyzed to identify any purchases that have exceeded budget.
  • the receipt destination 65 alerts the customer of any identified purchases, e.g. to stop or alter the purchases.
  • purchases can be halted before bouncing checks, incurring overdraft penalties, exceeding credit limits, exceeding budgetary guidelines or otherwise injuring negatively affecting credit scores and reports.
  • Customers have an accurate, up-to-date accounting of available funds relative to the respective budget. The accounting may be used, for example, for education regarding monthly living expenses. Further, such an accurate up-to-date accounting reduces the likelihood of inadvertently creating debt by exceeding available funds (e.g., by check, credit card, or e-purchase) and may encourage personal responsibility.
  • customers can avoid otherwise inadvertent overdrafts and resulting bounced checks, e.g., by aborting purchases or transferring money into a depleted account.
  • a customer can query bank accounts even before initiating a transaction and while waiting in line, e.g., from a PDA, handheld computer, or cell phone and confirm that an estimated or calculated amount will not exceed available funds.
  • merchants can accept checks verified at a preferred POS terminal according to a preferred embodiment of the present invention without concern that such checks may bounce.
  • the present invention provides immediate purchase verification for an additional level of overdraft protection, e.g., banks may institute an “instant overdraft” option whereby banking customers receive proactive notice of potentially overdrawn situations.
  • Many banks currently offer “overdraft insurance,” that allows individuals to replenish overdrawn funds, rather than allowing protected accounts to be overdrawn, bouncing a check.
  • banks offering “instant overdraft” protection can allow customers to OK an overdraft on-the-spot, e.g., for an appropriate interest charge.
  • purchases may complete with otherwise rejected checks (even checks that would cause the account to be overdrawn), e.g., with the customer's promise to replenish the account before close-of-business or by the customer funding the purchase from another account.
  • such an “instant overdraft” protection option provides banks with a new revenue service opportunity, allowing a real-time funds-balance-verification, that may be marketed as a fee-based value-add offering, or services related to such an offering.

Abstract

A method and program product for conducting business transactions and avoiding inadvertent overdrafts. First, the value of an intended purchase is estimated and an electronic receipt is generated for the estimate. An account identified for payment (e.g., a checking account or a credit card account) is analyzed for sufficient funds and, alerts may be provided whenever the analysis indicates that the account has insufficient funds. As a result of the alert, the purchase may be halted or another form of payment may be selected. Also, total in-store purchases may be estimated and other accounts may be analyzed to determine if, in addition to being overdrawn for the selected account, the transaction is over budget.

Description

    CROSS REFERENCE TO RELATED APPLICATIONS
  • The present invention is a continuation in part of published U.S. patent application Ser. No. 10/430,824 (Attorney Docket No. BLD920030021US1), entitled “Point-of-Sale Receipt Electronic Generation” to Joan L. Mitchell et al., filed May 6, 2003 and published Nov. 11, 2004, publication No. 2004/0225567 A1; and related to U.S. Pat. No. 6,883,706 B2 (Attorney Docket No. BLD920030020US1), entitled “Point-of-Sale Bill Authentication” to Scott D. Mastie et al., issued Apr. 26, 2005; and to published U.S. patent application Ser. No. 10/446,204 (Attorney Docket No. BLD920030019US1), entitled “Expense Accounting Data Management Based on Electronic Expense Document” to Joan L. Mitchell et al., filed May 27, 2003 and published Dec. 2, 2004, publication No. 2004/0243489 A1; all assigned to the assignee of the present invention and incorporated herein by reference.
  • BACKGROUND OF THE INVENTION
  • 1. Field of the Invention
  • The present invention generally relates to business transactions and more particularly to in-store business transactions and payment of such in-store business transactions and self service transactions at electronic Point of Sale kiosks, such as at automated gas pumps and the like.
  • 2. Background Description
  • Frequently, new businesses fail because of cash-flow problems and under capitalization. Often this is because a new business person finds it difficult tracking business expenses. Also, the typical 30-90 day lag time between invoicing and payment can cause budgeting problems, even when accounts receivable sufficiently cover ordinary expenses. Bad or bounced checks further deplete business resources and are not reflected on the balance sheet until marked as a loss. So, while the balance sheet may indicate that the business is in the black, a large accounts receivable may leave the business cash poor and unable to meet payroll or pay creditors on time.
  • Moreover, tracking bills, payments and receipts can be a very time consuming process. A business may have multiple employees on expense accounts or otherwise spending company money, each too busy to take time to promptly account for expenditures. Even if business promptly entered expenditures and receipts in the books, many businesses only balance their financial books/checkbooks once a month. There are a number of commercially available accounting software packages to assist small businesses in these complicated and time-consuming accounting tasks. Unfortunately, these off-the-shelf packages depend upon either manually entering the data or periodically downloading checking account and credit card information from multiple accounts.
  • These types of expenditure problems are not limited to new businesses; individuals and families frequently encounter similar cash flow problems as well. Financial difficulties arising from these types of monetary issues can stress a marriage to the breaking point. For example, couples may use a joint bank account and have joint credit card accounts; individually drawing on the same account and independently charging purchases to their joint accounts. When one or both of the partners is lax about recording joint account transactions, the charges may reach the credit card limit and/or the account may become overdrawn without either party realizing the problem. Consequently, outstanding checks can exceed available funds and some may even bounce for insufficient funds. Without available funds, credit card payment due dates may pass without payment, leaving the credit cards unpaid. Bounced checks and missed credit card payments injure both partners' credit rating. Unfortunately, these bounced checks and missed credit card payments incur large penalties that further exacerbate the problem, potentially stretching an already tight budget past the breaking point. If, for example, one partner is susceptible to “impulse buying,” spontaneously making unplanned purchases, the couples' budget may be blown before the other partner is aware of the problem. For these and other reasons, marital finances have been named, consistently, the top source of marital strife.
  • Thus, there is a need for notifying individuals and business of potential budgetary problems in real time; more particularly, for notifying the appropriate individual(s) of such potential budgetary problems based on estimated spending that accounts are in danger of being overdrawn; and, optionally, preventing parties from overdrawing the account(s).
  • SUMMARY OF THE INVENTION
  • It is therefore a purpose of the invention to reduce inadvertent overdrafts and unbudgeted/over-budget expenditures;
  • It is another purpose of this invention to selectively allow business transactions to go forward even with insufficient funds in an account initially selected for payment;
  • It is yet another purpose of the invention to reduce inadvertent overdrafts in point-of-sale terminal purchases.
  • The present invention is related to a method and program product for conducting business transactions and avoiding inadvertent overdrafts. First, the value of an intended purchase is estimated and an electronic receipt is generated for the estimate. An account identified for payment (e.g., a checking account or a credit card account) is analyzed for sufficient funds and alerts may be provided whenever the analysis indicates that the account has insufficient funds. As a result of the alert, the purchase may be halted or another form of payment may be selected. Also, total in-store purchases may be estimated and other accounts may be analyzed to determine if, in addition to being overdrawn for the selected account, the transaction is over budget.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • The foregoing and other objects, aspects and advantages will be better understood from the following detailed description of a preferred embodiment of the invention with reference to the drawings, in which:
  • FIG. 1 shows an example of a preferred point-of-sale (POS) terminal electronic receipt generation environment, for customer transacting business at POS terminals.
  • FIG. 2 shows a flow chart example of notifying a business/merchant that an account is becoming overdrawn by a purchaser/customer in the environment of FIG. 1.
  • FIG. 3 shows a flow chart example providing optional consumer purchase estimates, wherein a customer estimates the availability of funds.
  • FIG. 4 shows another flow chart example of an over total budget estimate based on a purchase estimate.
  • FIG. 5 shows a flow chart example of optionally providing over-budget alerts based on the itemized electronic receipt, e.g., as a result of an over total budget estimate.
  • DESCRIPTION OF PREFERRED EMBODIMENTS
  • Turning now to the drawings, and more particularly, FIG. 1 shows an example of a preferred point-of-sale (POS) terminal electronic receipt generation environment 10, customer location (i.e., identified with a client business) 12 and point-of-sale terminal 14 (hereinafter “POS terminal 14”), such as described in published U.S. patent application Ser. No. 10/430,824 (Attorney Docket No. BLD920030021US1), entitled “Point-of-Sale Electronic Receipt Generation” to Joan L. Mitchell et al., filed May 6, 2003, published Nov. 11, 2004, publication No. 2004/0225567 A1, assigned to the assignee of the present invention and incorporated herein by reference. Customer locations 12, e.g., a wallet that includes, for example, cash 16, a check 18, a credit card 20 and/or a smart card 22, or any other suitable well known payment mechanisms for paying for merchandise, e.g., gift certificates or store credits. Customer location 12 may also communicate with POS terminal 14 using a personal digital assistant (PDA) 24 or any other suitable handheld computer or communication system, with an appropriate communication port (not shown), e.g., infrared (IR) or radio frequency identification (RFID). POS terminal 14 conducts each sales transaction and generates an electronic receipt 26 for each and, optionally, a conventional paper receipt 28. According to a preferred embodiment of the present invention, individuals, families, and businesses receive real time cash-flow and budget analysis, and as a byproduct of each transaction, improved financial health.
  • As used herein for example only, a customer, shopper or purchaser (used interchangeably) at a customer location 12 is identified with a private or public concern is conducting a transaction with a merchant or other business concern. The private concern may be, for example an individual household, a business or other organization or business. Similarly, a public concern may be, for example, a business or a non-profit organization. Thus, a customer/purchaser may be a member of the household, a business employee or a member of the organization. The POS 14 is located with the business concern 30, e.g., in a bank, on the premises of a department or grocery store or, is suitably located for electronic purchases (e-purchases). Further, either or both of the customers to the business concern and the private/public concern are proactively alerted or notified of budgetary problems, even from available downloadable information that normally does not include sufficient budgetary detail, e.g., to automatically assign each purchase to a budget category. Thus, the present invention facilitates budget compliance, even when a particular customer is not paying attention to the effects of individual purchases during shopping, to mitigate the effects of impulse-buying and other extra-budgeted purchases.
  • Each POS terminal 14 may be located on customer premises 30, e.g., a bank, or be remotely located and include an imager 40, a check/currency inserter 42, a receipt instruction receiver 46 with a receipt destination retriever 62, an electronic receipt generator (ERG) 48 with an authenticating data generator (ADG) 50, a transmitter 52 and any other components (OC) 54. Imager 40 converts cash (paper currency or bills) 16, and/or checks 18 into images 58 that may be inserted by check/currency inserter 42 into a paper receipt, 28 an electronic receipt 26 or both for recordation. Electronic receipt generation and storage is also described, for example, in published U.S. patent application Ser. No. 10/446,204 (Attorney Docket No. BLD920030019US1) entitled “Expense Accounting Data Management Based on Electronic Expense Document” to Joan L. Mitchell et al., filed May 27, 2003, published Dec. 2, 2004, publication No. 2004/0243489 A1, assigned to the assignee of the present invention and incorporated herein by reference. Receipt instruction receiver (RIR) 46 may include a destination retriever (DR) 62 and receive receipt instructions (RI) 60. Each receipt instruction 60 includes a Receipt Destination Identifier (RDI) 64 and a content instruction (CI) 66. A receipt instruction 60 reflects communicated customer preferences, e.g., provided verbally and manually entered to POS terminal 14 or electronically generated. Electronically generated customer preferences may be gathered, for example, from an electronic payment from, for example, a credit card 20, a smart card 22, a PDA 24 or any other suitable electronic payment mechanism.
  • Each RDI 64 expressly or implicitly indicates where to send a corresponding electronic receipt, if any. An RDI 64 may expressly state a receipt destination 65 as, for example, an Internet protocol (IP) address, a mailing address, an e-mail address, e.g., for a non-volatile storage. Customer identification may imply a receipt destination 65 stored in a receipt destination database 68, e.g., by business name, by credit card number, by smart card identification, or by PDA based IR communications. The destination retriever 62 retrieves implied destinations from receipt destination database 68. The electronic receipt generator 48 generates an electronic receipt 26 for each transaction, e.g., from date and time; merchant; issuing agent; and merchant address. Electronic receipts may be in a standard format, e.g., electronic data interchange (EDI) format or a personalized electronic receipts 26 based on content instruction 66, e.g., indicated in a content database 70. Authentication data generator 50 can provide transaction authentication data 72 for confirming that an electronic receipt 26 has not been altered. For example, authentication data 72 may include receipt contents, date, time, a merchant identification or, biometric data collected from the purchaser. The authentication data 72 may be stored at a merchant system 74 for access by receipt destination 65 with each receipt 26 or transmitted separately to receipt destination 65. The transmitter 52 communicates electronic receipts 26 and authentication data 72 to receipt destinations 65 and/or merchant system 74. Other POS terminal 14 components 54 may include, for example, a keyboard, a central processing unit (CPU), a monitor, a bar code scanner, a telecommunications system, a credit card authentication system, a smart card authentication system, a PDA communications system, RFID detection modules and/or a cash drawer.
  • Preferably, receipt destination 65 includes an expense accounting system 80 such as a customer employer expense reporting system, a customer personal expense tracking system (e.g., Quicken®, Microsoft Money®, TurboTax® or a spreadsheet application) and/or a customer accountant expense tracking system. Each electronic receipt 26 provides immediate information for cash flow and budget purposes to expense accounting system 80. Also, the expense account system 80 may include an expense categorizer (EC) 82 categorizing each electronic receipt 26 into an expense category, e.g., clothing, food, or entertainment. A tax data collector (TDC) 84 gathers tax related data in electronic receipts 26, e.g., sales tax, deductible expenses, deductible donations, and medical expenses. A tax authority (TA) 86 (e.g., the US Internal Revenue Service (IRS), a state tax department, or foreign equivalent thereof) may provide tax related information or, tax related information may be otherwise provided. Also, the receipt destination 65 may include appropriate receipt storage 88 for long term archiving.
  • FIG. 2 shows a flow chart example 100 of notifying a business concern according to a preferred embodiment of the present invention that an account may be under-funded and so, not have sufficient funds to cover a current transaction, e.g., a purchase or purchases by a purchaser in the environment 10 of FIG. 1. Prior to making a purchase, in step 102 the business/merchant may obtain an estimate of each customer's purchases, e.g., at POS terminal 14. In step 104 the POS terminal 14 scans the selected form of payment, e.g., check 18, credit card 20, smart card 22 and/or PDA 24. In step 106 the POS 14 generates a temporary electronic receipt 26, which the POS 14 forwards to the receipt destination 65. In step 108 the Expense Account System 80, for example, analyzes the corresponding bank or credit account to determine if the account is under-funded and, as a result of the current purchase, it may become overdrawn in step 108. A suitable example of using electronic receipts for real-time analysis of cash-flow and budgeting is disclosed in published U.S. patent application Ser. No. 10/430,824 (Attorney Docket No. BLD920030021US1) entitled “Point-of-Sale Receipt Generation” to Joan L. Mitchell et al., filed May 6, 2003 and published Nov. 11, 2004, publication No. 2004/0225567 A1.
  • If in step 110 the corresponding account has sufficient funds or remaining credit to complete the current purchase, then the purchase proceeds in step 112, e.g., by finalizing the temporary electronic receipt for the current customer. Otherwise, if the customer is under-funded in step 108, such that the current purchase exceeds customer funds and the corresponding account will be overdrawn or a credit limit will be exceeded; then in step 114 the business/merchant is alerted, e.g., by a POS terminal message. Thus, the business/merchant receives an application alert or another notification when a customer has exceeded his/her purchasing authority, e.g., is exceeding the budget or an account will be overdrawn. Then, optionally, in step 116 the customer also is notified, e.g., by a message displayed on the credit card/smart card scanner, or on the PDA 24, and the customer may select another form of payment, e.g., cash 16 instead of credit card 20 or a different credit card. Thus, overdraft notification enables purchasers to switch the method of payment or transfer funds on-the-fly and in real time to avoid incurring bounced check and/or overdraft fees. Moreover, the business/merchant avoids the aggravation of collecting bad or bounced checks. Optionally, the respective bank/creditor may offer additional account protection services, e.g., verifying that the customer has subscribed to the service in step 108 and only providing an indication for subscribers. For example, services may be offered to help individuals, families and businesses to avoid insufficient funds or over-credit situations that would otherwise arise.
  • FIG. 3 shows a flow chart example 120 of providing optional consumer purchase estimates, wherein a customer estimates or calculates the purchase cost and the availability of funds according to a preferred embodiment of the present invention. In step 122 the purchaser decides whether to check for sufficient funds or remaining available credit to cover current purchases in one or more accounts. If an estimate is unnecessary, then the purchase proceeds in step 124. Otherwise, in step 126 the customer calculates or estimates a total for current purchases. The result is forwarded to the receipt destination 65 and in step 128 the Expense Account System 80, for example, analyzes the corresponding bank or credit account in real time. In step 130 the results of the real-time analysis are returned to the customer to determine if the current purchase exceeds available funds in step 132. If sufficient funds are available to complete the current purchase in step, then the purchase proceeds in step 124. Otherwise, if in step 132 the current purchase exceeds the available funds such that the corresponding account will be overdrawn or the credit limit exceeded; then in step 134 the customer is notified, e.g., by a message displayed on the credit card/smart card scanner, or on the PDA 24, and the customer may select another form of payment to complete the purchase in step 124, e.g., using cash 16 instead of credit card 20. Thus, these alerts enable purchasers to switch the method of payment or transfer funds on-the-fly and in real time to avoid incurring the bounced check and overdraft fees.
  • So, for example, upon entering the cashier's line and deciding to request a purchase estimate in step 122; then in step 126, the customer can forward an expected purchase amount, e.g., an estimate or a calculated amount. For example, the customer can access a bank or credit account by cell phone, PDA, or other handheld device (or use a merchant's kiosk such as an ATM machine in a store or on an automated gas pump) and, enter the expected amount for purchasing the merchandise in step 128. Multiple responses can be returned in step 130 including “OK,” “Borderline” (e.g., within $200 or a certain minimum funding limit), and “insufficient funds.” Once the purchase is complete in step 124, the expected amount is replaced with the final purchase amount from the electronic detailed receipt. Meanwhile other purchasers using the same account are warned based on the updated available funds, to have current data and avoid secondary over-credit or insufficient funds instances. Thus, the public/private concern avoids having compounded the problem, and may avoid it altogether.
  • FIG. 4 shows a flow chart example 140 of an over total budget estimate based on a purchase estimate, substantially similar to the example of FIG. 3 with like elements labeled identically. Again in step 122 the purchaser decides whether to check for sufficient funds to cover current purchases in one or more accounts. If an estimate is unnecessary, then in step 124, the purchase proceeds. Otherwise, in step 126 the customer estimates the total for current purchases. The estimate is forwarded to the receipt destination 65 and in step 142 the Expense Account System 80, for example, analyzes the customer's budget in real time. In step 144 the results of the real-time analysis are checked to determine if the budget will be exceeded as a result of the current purchase. If sufficient budgetary resources are available to complete the current purchase in step 144, then the purchase proceeds in step 124. Otherwise, if in step 144 the budget or a budget sub-category will be exceeded; then, in step 146 the purchase is halted, e.g., by a message displayed on the credit card/smart card scanner, or on the PDA 24. Optionally, the customer may be allowed to select another form of payment to complete the purchase in step 124, e.g., using cash 16 instead of credit card 20, or replenish necessary funds before close-of-business, to prevent expensive insufficient funds situations. Optionally, the customer may elect to override the budget warning, provided that sufficient funds exist. For example, it may be unavoidable to exceed fuel budget limits, causing the customer to make other adjustments to cover the purchase and avoid a bounced check, an overdraft or a rejected credit card. Thus, over-budget notification enables individuals/businesses to stop such purchases on-the-fly and in real time, also to avoid incurring the results of an under-funded account, e.g., a bounced check, overdraft fees or an over-credit situation. Also, the customer may adjust budgeted amounts to prevent generating budget alerts.
  • FIG. 5 shows a flow chart example 150 of optionally providing over-budget alerts based on the itemized electronic receipt, e.g., as a result of an over total budget estimate 140 of the example of FIG. 4. When the results of account analysis indicate that a current purchase exceeds a total budget for the private/public concern, in step 152 a budget alert is generated. In response to the alert, in step 154 recent receipts are scanned. Then, in step 156 the concern's accounts are analyzed to identify any purchases that have exceeded budget. Finally in step 158, the receipt destination 65 alerts the customer of any identified purchases, e.g. to stop or alter the purchases.
  • Advantageously, purchases can be halted before bouncing checks, incurring overdraft penalties, exceeding credit limits, exceeding budgetary guidelines or otherwise injuring negatively affecting credit scores and reports. Customers have an accurate, up-to-date accounting of available funds relative to the respective budget. The accounting may be used, for example, for education regarding monthly living expenses. Further, such an accurate up-to-date accounting reduces the likelihood of inadvertently creating debt by exceeding available funds (e.g., by check, credit card, or e-purchase) and may encourage personal responsibility. With notification provided by the present invention customers can avoid otherwise inadvertent overdrafts and resulting bounced checks, e.g., by aborting purchases or transferring money into a depleted account. A customer can query bank accounts even before initiating a transaction and while waiting in line, e.g., from a PDA, handheld computer, or cell phone and confirm that an estimated or calculated amount will not exceed available funds. Moreover, merchants can accept checks verified at a preferred POS terminal according to a preferred embodiment of the present invention without concern that such checks may bounce.
  • Also, the present invention provides immediate purchase verification for an additional level of overdraft protection, e.g., banks may institute an “instant overdraft” option whereby banking customers receive proactive notice of potentially overdrawn situations. Many banks currently offer “overdraft insurance,” that allows individuals to replenish overdrawn funds, rather than allowing protected accounts to be overdrawn, bouncing a check. Instead, banks offering “instant overdraft” protection can allow customers to OK an overdraft on-the-spot, e.g., for an appropriate interest charge. Thus, purchases may complete with otherwise rejected checks (even checks that would cause the account to be overdrawn), e.g., with the customer's promise to replenish the account before close-of-business or by the customer funding the purchase from another account. Further, such an “instant overdraft” protection option provides banks with a new revenue service opportunity, allowing a real-time funds-balance-verification, that may be marketed as a fee-based value-add offering, or services related to such an offering.
  • While the invention has been described in terms of preferred embodiments, those skilled in the art will recognize that the invention can be practiced with modification within the spirit and scope of the appended claims. It is intended that all such variations and modifications fall within the scope of the appended claims. Examples and drawings are, accordingly, to be regarded as illustrative rather than restrictive.

Claims (20)

1. A method of conducting business transactions, said method comprising the steps of:
a) estimating the value of an intended purchase;
b) generating an electronic receipt for said intended purchase from the estimate;
c) analyzing an account for payment for sufficient funds; and
d) selectively providing an alert responsive to an indication that said account has insufficient funds.
2. A method as in claim 1, wherein the step (a) of estimating comprises estimating the total value of in-store purchases for an identified customer.
3. A method as in claim 2, wherein the analyzing step (c) further comprises analyzing a plurality of accounts to determine whether said intended purchase exceeds a current total budget.
4. A method as in claim 3, wherein the step (d) of selectively providing an alert comprises halting said intended purchase.
5. A method as in claim 1, wherein the analyzing step (c) further comprises analyzing a plurality of accounts to determine whether said intended purchase exceeds a current total budget.
6. A method as in claim 1, wherein the step (d) of selectively providing an alert comprises halting said intended purchase.
7. A method as in claim 1, wherein the step (b) of generating said electronic receipt comprises scanning an intended form of purchase.
8. A method as in claim 7, wherein said intended form of purchase is selected from one of a check, a credit card and a smart card.
9. A method as in claim 8, further comprising the step of:
e) identifying another form of purchase responsive to a generated said alert.
10. A method as in claim 1, further comprising the step of:
e) identifying another form of purchase responsive to a generated said alert.
11. A method as in claim 1, wherein said account is a bank account, said method providing overdraft protection, said method further comprising the step of:
e) identifying another form of purchase responsive to a generated said alert.
12. A method of providing overdraft protection as in claim 1, wherein the step (c) of analyzing further comprises verifying that the account is identified with a customer subscribed to an overdraft protection service, alerts being provided in step (d) only for overdraft protection service subscribers.
13. A computer program product for conducting business transactions, said computer program product comprising a computer usable medium having computer readable program code thereon, said computer readable program code comprising:
computer program code means for receiving estimates of intended purchases;
computer program code means for generating electronic receipts for each received estimate;
computer program code means for analyzing payment accounts for sufficient funds for covering said each received estimate; and
computer program code means for providing alerts responsive to an indication that an account has insufficient funds.
14. A computer program product for conducting business transactions as in claim 13, wherein said computer program code means for estimating comprises computer program code means for receiving estimates of the total value of in-store purchases for an identified customer.
15. A computer program product for conducting business transactions as in claim 13, wherein the computer readable program code means for analyzing comprises:
computer program code means for analyzing a plurality of accounts; and
computer program code means for determining whether said intended purchase exceeds a current total budget.
16. A computer program product for conducting business transactions as in claim 13, wherein the computer program code means for providing an alert comprises computer program code means for halting said intended purchase.
17. A computer program product for conducting business transactions as in claim 13, wherein the computer program code means for generating said electronic receipts comprises computer program code means for receiving scans of intended forms of purchase.
18. A computer program product for conducting business transactions as in claim 17, wherein said intended forms of purchase include checks drawing on a checking account, a credit card for a credit card account and a smart card.
19. A computer program product for conducting business transactions as in claim 13, further comprising:
computer program code means for identifying an alternate payment account.
20. A computer program product for conducting business transactions as in claim 13, wherein the computer program code means for analyzing verifies that bank accounts are identified with customers subscribed to an overdraft protection service, and said computer program code means for providing alerts provides alerts only for overdraft protection service subscribers.
US11/539,947 2003-05-06 2006-10-10 System and method of automatic insufficient funds notification and overdraft protection Abandoned US20070106558A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US11/539,947 US20070106558A1 (en) 2003-05-06 2006-10-10 System and method of automatic insufficient funds notification and overdraft protection

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/430,824 US7797192B2 (en) 2003-05-06 2003-05-06 Point-of-sale electronic receipt generation
US11/539,947 US20070106558A1 (en) 2003-05-06 2006-10-10 System and method of automatic insufficient funds notification and overdraft protection

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US10/430,824 Continuation-In-Part US7797192B2 (en) 2003-05-06 2003-05-06 Point-of-sale electronic receipt generation

Publications (1)

Publication Number Publication Date
US20070106558A1 true US20070106558A1 (en) 2007-05-10

Family

ID=33416323

Family Applications (4)

Application Number Title Priority Date Filing Date
US10/430,824 Expired - Lifetime US7797192B2 (en) 2003-05-06 2003-05-06 Point-of-sale electronic receipt generation
US11/539,947 Abandoned US20070106558A1 (en) 2003-05-06 2006-10-10 System and method of automatic insufficient funds notification and overdraft protection
US11/608,739 Abandoned US20070094087A1 (en) 2003-05-06 2006-12-08 System and method of handling product returns
US11/608,741 Abandoned US20070094088A1 (en) 2003-05-06 2006-12-08 System and method of directly providing electronic receipts

Family Applications Before (1)

Application Number Title Priority Date Filing Date
US10/430,824 Expired - Lifetime US7797192B2 (en) 2003-05-06 2003-05-06 Point-of-sale electronic receipt generation

Family Applications After (2)

Application Number Title Priority Date Filing Date
US11/608,739 Abandoned US20070094087A1 (en) 2003-05-06 2006-12-08 System and method of handling product returns
US11/608,741 Abandoned US20070094088A1 (en) 2003-05-06 2006-12-08 System and method of directly providing electronic receipts

Country Status (7)

Country Link
US (4) US7797192B2 (en)
JP (1) JP2007528034A (en)
KR (1) KR100877375B1 (en)
CN (1) CN100587743C (en)
CA (1) CA2524062A1 (en)
TW (1) TWI358676B (en)
WO (1) WO2004100027A2 (en)

Cited By (83)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050027650A1 (en) * 1999-03-31 2005-02-03 Walker Jay S. Methods and systems for accepting offers via checks
US20060178958A1 (en) * 2004-12-01 2006-08-10 Chalbia Abdelfattah Systems and methods for data processing
US20060282270A1 (en) * 2005-06-09 2006-12-14 First Data Corporation Identity verification noise filter systems and methods
US20070012757A1 (en) * 2005-07-14 2007-01-18 First Data Corporation Identity verification switch
US20070055626A1 (en) * 2005-09-01 2007-03-08 Serge Rivest Method and system for reporting cashflows to clients
US20080167961A1 (en) * 2007-01-09 2008-07-10 Dave Wentker Contactless transaction
US20080200144A1 (en) * 2007-02-16 2008-08-21 Ginsberg Todd D System and Method for Providing Alerts Over a Network
US20080270300A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US20080268811A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Payment application download to mobile phone and phone personalization
US20080270302A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. User experience on mobile phone
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
US20090012889A1 (en) * 2007-07-02 2009-01-08 Early Warning Services, Llc Payment account monitoring system and method
US20090271315A1 (en) * 2008-04-29 2009-10-29 Ayman Hammad Portable device including alterable indicator
US20100057574A1 (en) * 2008-08-28 2010-03-04 Bank Of America Budget envelope credit card
US20110125643A1 (en) * 2009-10-09 2011-05-26 Valerie Felice Cameo Overdraft protection and forgiveness
US20110145086A1 (en) * 2009-12-15 2011-06-16 Zonamovil, Inc. Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts
US20110213710A1 (en) * 2008-02-05 2011-09-01 Bank Of America Corporation Identification of customers and use of virtual accounts
US20110225084A1 (en) * 2010-03-11 2011-09-15 Tim Holt Method for customer selectable overdraft avoidance
US20110246355A1 (en) * 2010-04-01 2011-10-06 Bank Of America Corporation Over limit protection
US20110295731A1 (en) * 2010-05-26 2011-12-01 Bank Of America Corporation Financial customer account activity monitoring and predictive account management system
US20110320292A1 (en) * 2010-06-28 2011-12-29 Perdue Donald R Systems and methods for obtaining debit card customer approval of overdraft fees
US20120054049A1 (en) * 2010-08-26 2012-03-01 EPoST Systems, LLC. Tracking chain-of-commerce data through point-of-sale transactions
US20120054093A1 (en) * 2010-05-20 2012-03-01 David Schamer System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US20120066077A1 (en) * 2010-09-10 2012-03-15 Bank Of America Corporation Overage service via mobile device
US20120061464A1 (en) * 2010-09-10 2012-03-15 Bank Of America Corporation Overage service involving overage magnetic stripe
US20120066078A1 (en) * 2010-09-10 2012-03-15 Bank Of America Corporation Overage service using overage passcode
US20120095913A1 (en) * 2010-10-17 2012-04-19 Bank Of America Corporation Overdraft Payment Balance Exception Processing
US20120130894A1 (en) * 2010-11-09 2012-05-24 Billy James Pendleton System and method for ATM ODF notification (Automatic Teller Machine overdraft fee notification)
US20120179604A1 (en) * 2011-01-06 2012-07-12 Citizens Financial Group, Inc. Method and system for allowing a user to control the order in which transactions are posted
US20130024289A1 (en) * 2011-01-24 2013-01-24 Allen Cueli Transaction Overrides
US20130138552A1 (en) * 2011-11-28 2013-05-30 Rawllin International Inc. Unified charging and credit system
US20130226805A1 (en) * 2010-04-01 2013-08-29 Bank Of America Corporation Protection for exceeding a credit threshold
US8538827B1 (en) * 2011-04-29 2013-09-17 Intuit Inc. Real-time alert during on-line transaction
US8606714B1 (en) * 2009-10-09 2013-12-10 U.S. Bank National Association Flexible account management for customer transactions and overdrafts
US8635134B2 (en) 2011-09-07 2014-01-21 Fiserv, Inc. Systems and methods for optimizations involving insufficient funds (NSF) conditions
US20140032395A1 (en) * 2011-04-07 2014-01-30 Infosys Limited System and method for granting a temporary overdraft automatically
US20140074569A1 (en) * 2012-09-11 2014-03-13 First Data Corporation Systems and methods for facilitating loyalty and reward functionality in mobile commerce
US8688572B2 (en) 2012-06-01 2014-04-01 Bank Of America Corporation Financial account related trigger feature for risk mitigation
US8688557B2 (en) 2010-09-29 2014-04-01 Fiserv, Inc. Systems and methods for customer value optimization involving relationship optimization
US8744899B2 (en) 2012-02-28 2014-06-03 Fiserv, Inc. Systems and methods for migrating customers to alternative financial products
US8762194B2 (en) 2012-02-28 2014-06-24 Fiserv, Inc. Systems and methods for evaluating alternative financial products
US8805730B2 (en) 2012-06-01 2014-08-12 Bank Of America Corporation Trigger data quality monitor
US8843405B1 (en) * 2009-02-02 2014-09-23 United Services Automobile Association (Usaa) Systems and methods for providing card account controls and purchase impact information
US8988186B1 (en) * 2010-04-15 2015-03-24 Bank Of America Corporation Self-service device user asset condition alert
US9047640B2 (en) 2010-09-10 2015-06-02 Bank Of America Corporation Exceeded account threshold service involving exceeded account threshold magnetic stripe
US9047639B1 (en) * 2010-09-10 2015-06-02 Bank Of America Corporation Service participation acknowledgement system
US20150302383A1 (en) * 2014-04-22 2015-10-22 Ebay Inc. Recommended payment options
US20150310239A1 (en) * 2004-03-19 2015-10-29 Nokia Technologies Oy Detector logic and radio identification device and method for enhancing terminal operations
US9378492B1 (en) * 2013-05-02 2016-06-28 Amdocs Software Systems Limited System, method, and computer program for automatically resolving non-sufficient funds (NSF) errors in a network
US9508076B2 (en) 2010-09-10 2016-11-29 Bank Of America Corporation Service for account with unavailable funds or credit using a passcode
US9595036B2 (en) 2010-09-10 2017-03-14 Bank Of America Corporation Service for exceeding account thresholds via mobile device
US9595035B2 (en) 2010-09-10 2017-03-14 Bank Of America Corporation Service for exceeding account thresholds via transaction machine
US9633385B1 (en) 2012-01-30 2017-04-25 Intuit Inc. Financial management system categorization utilizing image or video acquired with mobile communication device
US9727910B1 (en) 2011-04-29 2017-08-08 Intuit Inc. Methods, systems, and articles of manufacture for implementing an antecedent, location-based budget alert to a user
US9741035B1 (en) * 2014-12-11 2017-08-22 Square, Inc. Intelligent payment capture in failed authorization requests
US20170359229A1 (en) * 2016-06-08 2017-12-14 Bank Of America Corporation System for predictive use of resources
US9881302B1 (en) 2014-12-11 2018-01-30 Square, Inc. Intelligent payment capture in failed authorization requests
US20180060843A1 (en) * 2016-08-31 2018-03-01 Paypal, Inc. Preemptive data processing to mitigate against overdraft and declined transaction
US20180096318A1 (en) * 2016-10-04 2018-04-05 The Toronto-Dominion Bank Systems and methods for dynamic user interface modification
US10049155B2 (en) 2016-01-20 2018-08-14 Bank Of America Corporation System for mending through automated processes
US10129126B2 (en) 2016-06-08 2018-11-13 Bank Of America Corporation System for predictive usage of resources
US10178101B2 (en) 2016-06-08 2019-01-08 Bank Of America Corporation System for creation of alternative path to resource acquisition
US10185959B2 (en) * 2012-12-13 2019-01-22 Paypal, Inc. Shared pools for common transactions
US10242351B1 (en) * 2014-05-07 2019-03-26 Square, Inc. Digital wallet for groups
US10291487B2 (en) 2016-06-08 2019-05-14 Bank Of America Corporation System for predictive acquisition and use of resources
US10366378B1 (en) 2016-06-30 2019-07-30 Square, Inc. Processing transactions in offline mode
US10402798B1 (en) 2014-05-11 2019-09-03 Square, Inc. Open tab transactions
US10433196B2 (en) 2016-06-08 2019-10-01 Bank Of America Corporation System for tracking resource allocation/usage
US10496977B2 (en) 2012-07-16 2019-12-03 Square, Inc. Storing and forwarding payment transactions
US10510071B2 (en) * 2014-09-29 2019-12-17 The Toronto-Dominion Bank Systems and methods for generating and administering mobile applications using pre-loaded tokens
US10564990B1 (en) 2010-02-23 2020-02-18 Intuit Inc. Interactive budget display including dynamically adjustable budget elements
US20200226579A1 (en) * 2014-08-12 2020-07-16 Capital One Services, Llc System and method for providing a group account
US10733631B2 (en) 2016-05-05 2020-08-04 State Farm Mutual Automobile Insurance Company Using cognitive computing to provide targeted offers for preferred products to a user via a mobile device
US10748131B2 (en) * 2017-10-03 2020-08-18 The Toronto-Dominion Bank Automatic digital personal assistant interjection for delaying data exchange outcomes
US10878816B2 (en) 2017-10-04 2020-12-29 The Toronto-Dominion Bank Persona-based conversational interface personalization using social network preferences
US10943605B2 (en) 2017-10-04 2021-03-09 The Toronto-Dominion Bank Conversational interface determining lexical personality score for response generation with synonym replacement
US20210110470A1 (en) * 2010-05-20 2021-04-15 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US11042930B1 (en) * 2018-03-20 2021-06-22 Intuit, Inc. Insufficient funds predictor
US11204967B2 (en) * 2018-09-25 2021-12-21 Gunnar Lovelace Computer system transaction processing
US11276113B2 (en) * 2007-12-12 2022-03-15 Capital One Services, Llc Method and system for redirecting a financial transaction
US11562355B2 (en) 2019-01-31 2023-01-24 Visa International Service Association Method, system, and computer program product for automatically re-processing a transaction
US11636462B2 (en) * 2015-03-20 2023-04-25 Block, Inc. Context-aware peer-to-peer transfers of items
US11915216B2 (en) 2015-08-19 2024-02-27 Block, Inc. Dynamically determining a customized transaction flow

Families Citing this family (220)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030217005A1 (en) * 1996-11-27 2003-11-20 Diebold Self Service Systems, Division Of Diebold, Incorporated Automated banking machine system and method
US7395230B2 (en) * 2001-03-13 2008-07-01 Intuit Inc. System and method for tracking charitable deductions
US7269737B2 (en) * 2001-09-21 2007-09-11 Pay By Touch Checking Resources, Inc. System and method for biometric authorization for financial transactions
US7464059B1 (en) 2001-09-21 2008-12-09 Yt Acquisition Corporation System and method for purchase benefits at a point of sale
US7797192B2 (en) * 2003-05-06 2010-09-14 International Business Machines Corporation Point-of-sale electronic receipt generation
US8296229B1 (en) * 2003-06-17 2012-10-23 Citicorp Credit Services, Inc. Method and system for associating consumers with purchase transactions
US20050097046A1 (en) 2003-10-30 2005-05-05 Singfield Joy S. Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system
US7577613B2 (en) * 2003-11-20 2009-08-18 Ncr Corporation Provision of receipts for self service or point of sale terminals
US20060031517A1 (en) * 2004-01-30 2006-02-09 Gossweiler Richard C Iii Information transfer system and method
US9020854B2 (en) 2004-03-08 2015-04-28 Proxense, Llc Linked account system using personal digital key (PDK-LAS)
US20050222854A1 (en) * 2004-04-02 2005-10-06 Fujitsu Limited Automatically processing an expense report using an expense report agent
US11017097B2 (en) 2004-05-14 2021-05-25 Peter N. Ching Systems and methods for prevention of unauthorized access to resources of an information system
US7814024B2 (en) * 2004-05-14 2010-10-12 Ching Peter N Multi-way transactions related data exchange apparatus and methods
US20060286518A1 (en) * 2004-09-27 2006-12-21 Yoder Thomas N Product environmental information system
EP1662450A1 (en) * 2004-11-30 2006-05-31 Ncr International Inc. Provision of receipts for self service or point of sale terminals
US20060149603A1 (en) * 2005-01-04 2006-07-06 Barbara Patterson Method and system for determining healthcare eligibility
US7650308B2 (en) 2005-01-04 2010-01-19 Visa U.S.A. Inc. Auto substantiation for over-the-counter transactions
US20060149529A1 (en) * 2005-01-04 2006-07-06 Loc Nguyen Method for encoding messages between two devices for transmission over standard online payment networks
US20060206506A1 (en) * 2005-03-11 2006-09-14 Fitzpatrick Thomas J Expenditure accounting management system and method
US20070005510A1 (en) * 2005-05-10 2007-01-04 Willard Bloodworth System and method for electronic receipt management
US7680718B2 (en) * 2005-06-29 2010-03-16 Itg Software Solutions, Inc. System and method for generating real-time indicators in a trading list or portfolio
US8660862B2 (en) 2005-09-20 2014-02-25 Visa U.S.A. Inc. Determination of healthcare coverage using a payment account
US7487912B2 (en) * 2005-09-28 2009-02-10 First Data Corporation Electronic receipting
US7904718B2 (en) * 2006-05-05 2011-03-08 Proxense, Llc Personal digital key differentiation for secure transactions
US8788284B2 (en) 2006-05-30 2014-07-22 Visa U.S.A. Inc. Method and system using combined healthcare-payment device and web portal for receiving patient medical information
WO2007146817A2 (en) 2006-06-08 2007-12-21 Visa Usa Inc. System and method using extended authorization hold period
US8521637B2 (en) * 2006-06-29 2013-08-27 Itg Software Solutions, Inc. Systems, methods, and computer program products for providing real time analytic widgets in a financial trading system
US7769599B2 (en) 2006-07-31 2010-08-03 Visa U.S.A. Inc. Electronic payment delivery service
US20080065396A1 (en) * 2006-09-07 2008-03-13 John Steven Marshall Systems and methods for managing tips and gratuities
KR100788593B1 (en) * 2006-09-25 2007-12-26 주식회사 키투넷솔루션 Automatic machine
FR2907942A1 (en) * 2006-10-25 2008-05-02 Ingenico Sa METHOD FOR PROVIDING TRANSACTION DATA, TERMINAL, TRANSACTION METHOD, METHOD FOR ENRICHING BANKING STORIES, SERVER, SIGNALS, AND CORRESPONDING COMPUTER PROGRAM PRODUCTS.
KR100858975B1 (en) * 2006-10-30 2008-09-17 한국전자통신연구원 Method and system for protection of lawful interception
US8351677B1 (en) 2006-10-31 2013-01-08 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US7885451B1 (en) 2006-10-31 2011-02-08 United Services Automobile Association (Usaa) Systems and methods for displaying negotiable instruments derived from various sources
US7876949B1 (en) 2006-10-31 2011-01-25 United Services Automobile Association Systems and methods for remote deposit of checks
US7873200B1 (en) 2006-10-31 2011-01-18 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8708227B1 (en) 2006-10-31 2014-04-29 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8799147B1 (en) 2006-10-31 2014-08-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instruments with non-payee institutions
US20080195496A1 (en) * 2007-02-08 2008-08-14 Hwang Helen Y Method and system for providing point of sale details to a user
TWI363323B (en) * 2007-02-12 2012-05-01 Chimei Innolux Corp Liquid crystal display panel and driving method thereof
US8566239B2 (en) 2007-02-22 2013-10-22 First Data Corporation Mobile commerce systems and methods
US8959033B1 (en) 2007-03-15 2015-02-17 United Services Automobile Association (Usaa) Systems and methods for verification of remotely deposited checks
US10380559B1 (en) 2007-03-15 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for check representment prevention
US8359239B1 (en) * 2007-03-30 2013-01-22 Intuit Inc. Method and apparatus for tracking mobile transactions
US8433127B1 (en) 2007-05-10 2013-04-30 United Services Automobile Association (Usaa) Systems and methods for real-time validation of check image quality
US8538124B1 (en) 2007-05-10 2013-09-17 United Services Auto Association (USAA) Systems and methods for real-time validation of check image quality
US20080278750A1 (en) * 2007-05-11 2008-11-13 Daniel Adolf Lehotsky System And Method For Intelligent Label Printer Control
US20080313066A1 (en) * 2007-06-12 2008-12-18 Steven Sholtis Method and system for managing receipts
US9058512B1 (en) 2007-09-28 2015-06-16 United Services Automobile Association (Usaa) Systems and methods for digital signature detection
US9159101B1 (en) 2007-10-23 2015-10-13 United Services Automobile Association (Usaa) Image processing
US9898778B1 (en) 2007-10-23 2018-02-20 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US8358826B1 (en) 2007-10-23 2013-01-22 United Services Automobile Association (Usaa) Systems and methods for receiving and orienting an image of one or more checks
US9892454B1 (en) 2007-10-23 2018-02-13 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US7996316B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association Systems and methods to modify a negotiable instrument
US8046301B1 (en) 2007-10-30 2011-10-25 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US7996315B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US7996314B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US8001051B1 (en) 2007-10-30 2011-08-16 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US8290237B1 (en) 2007-10-31 2012-10-16 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US8320657B1 (en) 2007-10-31 2012-11-27 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US7896232B1 (en) 2007-11-06 2011-03-01 United Services Automobile Association (Usaa) Systems, methods, and apparatus for receiving images of one or more checks
US7900822B1 (en) 2007-11-06 2011-03-08 United Services Automobile Association (Usaa) Systems, methods, and apparatus for receiving images of one or more checks
EP2083404A3 (en) 2008-01-24 2010-01-06 Seiko Epson Corporation Receipt printing processing method, printer and receipt printing processing system
US10380562B1 (en) 2008-02-07 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for mobile deposit of negotiable instruments
US8086497B1 (en) * 2008-03-05 2011-12-27 United Services Automobile Association Systems and methods for price searching and customer self-checkout using a mobile device
JP2009251669A (en) * 2008-04-01 2009-10-29 Toshiba Tec Corp Commodity sales data processor and receipt system
US7856402B1 (en) 2008-04-07 2010-12-21 United Services Automobile Association (Usaa) Video financial deposit
US7792752B1 (en) 2008-04-07 2010-09-07 United Services Automobile Association (Usaa) Video financial deposit
US7912785B1 (en) 2008-04-07 2011-03-22 United Services Automobile Association (Usaa) Video financial deposit
US20090287600A1 (en) * 2008-05-15 2009-11-19 International Business Machines Corporation Automatically updating records of corporate expense systems using category specific payment mechanisms based on point of sale acquired data
US20090300068A1 (en) * 2008-05-30 2009-12-03 Tang ding-yuan System and method for processing structured documents
US7788141B1 (en) * 2008-05-30 2010-08-31 Intuit Inc. Method and system for tracking purchases
US8351678B1 (en) 2008-06-11 2013-01-08 United Services Automobile Association (Usaa) Duplicate check detection
US20100299212A1 (en) * 2008-08-27 2010-11-25 Roam Data Inc System and method for a commerce window application for computing devices
US8422758B1 (en) 2008-09-02 2013-04-16 United Services Automobile Association (Usaa) Systems and methods of check re-presentment deterrent
US20100057586A1 (en) * 2008-09-04 2010-03-04 China Software Venture Offer Reporting Apparatus and Method
US10504185B1 (en) 2008-09-08 2019-12-10 United Services Automobile Association (Usaa) Systems and methods for live video financial deposit
US7974899B1 (en) 2008-09-30 2011-07-05 United Services Automobile Association (Usaa) Atomic deposit transaction
US7962411B1 (en) 2008-09-30 2011-06-14 United Services Automobile Association (Usaa) Atomic deposit transaction
US7885880B1 (en) 2008-09-30 2011-02-08 United Services Automobile Association (Usaa) Atomic deposit transaction
US8275710B1 (en) 2008-09-30 2012-09-25 United Services Automobile Association (Usaa) Systems and methods for automatic bill pay enrollment
US8391599B1 (en) 2008-10-17 2013-03-05 United Services Automobile Association (Usaa) Systems and methods for adaptive binarization of an image
US7970677B1 (en) 2008-10-24 2011-06-28 United Services Automobile Association (Usaa) Systems and methods for financial deposits by electronic message
US7949587B1 (en) 2008-10-24 2011-05-24 United States Automobile Association (USAA) Systems and methods for financial deposits by electronic message
US8336762B1 (en) 2008-11-17 2012-12-25 Greenwise Bankcard LLC Payment transaction processing
US8756082B1 (en) * 2008-11-25 2014-06-17 Allstate Insurance Company Virtuous cycle business growth
US20100299217A1 (en) * 2009-02-16 2010-11-25 Richard Hui Warranty management system
US8452689B1 (en) 2009-02-18 2013-05-28 United Services Automobile Association (Usaa) Systems and methods of check detection
US10956728B1 (en) 2009-03-04 2021-03-23 United Services Automobile Association (Usaa) Systems and methods of check processing with background removal
US20100257066A1 (en) * 2009-04-06 2010-10-07 Bank Of America Corporation Electronic receipts collection and management system
JP5193935B2 (en) * 2009-04-28 2013-05-08 富士通フロンテック株式会社 Receipt management system and method
US8413905B2 (en) 2009-10-05 2013-04-09 Visa U.S.A. Inc. Portable prescription transaction payment device
US8939356B2 (en) 2009-06-08 2015-01-27 Visa International Service Association Portable prescription payment device management platform apparautses, methods and systems
US8560353B2 (en) * 2009-06-25 2013-10-15 Victor Smith Receipt insurance systems and methods
US8543463B2 (en) * 2009-07-14 2013-09-24 Zinc. System and method for interactive shopping
US8542921B1 (en) 2009-07-27 2013-09-24 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instrument using brightness correction
US10614458B2 (en) 2009-08-14 2020-04-07 Visa U.S.A. Inc. Influenza vaccine administration payment device processing
US9779392B1 (en) 2009-08-19 2017-10-03 United Services Automobile Association (Usaa) Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments
US8977571B1 (en) 2009-08-21 2015-03-10 United Services Automobile Association (Usaa) Systems and methods for image monitoring of check during mobile deposit
US8699779B1 (en) 2009-08-28 2014-04-15 United Services Automobile Association (Usaa) Systems and methods for alignment of check during mobile deposit
US20110079643A1 (en) * 2009-10-05 2011-04-07 Stacy Pourfallah Prescription sample transaction payment card
US8095439B1 (en) 2009-10-30 2012-01-10 Intuit Inc. Receipt visualization and receipt data applications
CA2706151A1 (en) * 2009-11-16 2011-05-16 Mundip S. Bhinder Seamlessly capturing transactional data at the merchant's point of sale environment and creating electronic receipts, all in real-time
US20110125598A1 (en) * 2009-11-24 2011-05-26 Ji Hoon Shin System and method for managing electronic receipts of sales transactions using mobile devices
US20110137803A1 (en) * 2009-12-03 2011-06-09 Symbol Technologies, Inc. Secure electronic receipt systems and methods
US9747631B2 (en) * 2009-12-13 2017-08-29 Intuit Inc. Systems and methods for purchasing products from a retail establishment using a mobile device
US7992781B2 (en) 2009-12-16 2011-08-09 Visa International Service Association Merchant alerts incorporating receipt data
US8429048B2 (en) * 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
US9799070B1 (en) * 2010-02-14 2017-10-24 Expensify, Inc. System and method for aggregating and presenting financial information
US9129340B1 (en) 2010-06-08 2015-09-08 United Services Automobile Association (Usaa) Apparatuses, methods and systems for remote deposit capture with enhanced image detection
US8538824B1 (en) 2010-07-29 2013-09-17 Intuit Inc. Methods systems and computer program products for notifying consumers of recurring purchases
US9292867B2 (en) 2010-10-04 2016-03-22 Flexreceipts Inc. Electronic receipt system
US9799012B2 (en) 2010-10-04 2017-10-24 Flexreceipts Inc. Electronic receipt system with social media link and related servers and methods
US20120114116A1 (en) * 2010-11-09 2012-05-10 RetailGreen Apparatus and method for storing electronic receipts on a unified card
US8583512B1 (en) 2010-12-30 2013-11-12 Intuit Inc. Segregated electronic shopping lists for recurring item purchases
US9911155B1 (en) 2010-12-30 2018-03-06 Intuit Inc. Generation of electronic shopping lists for recurring item purchases based on consumer location and schedule
US8831981B2 (en) * 2011-01-18 2014-09-09 Proximiant, Inc. Electronic transaction record distribution system
US8600835B1 (en) 2011-01-18 2013-12-03 Intuit Inc. Methods systems and computer program products for generating electronic shopping lists with item and price data
US8527367B2 (en) 2011-01-26 2013-09-03 Intuit Inc. Systems methods and computer program products for directing consumer from digital receipt to source of specific item for repeat item purchase
US9760871B1 (en) 2011-04-01 2017-09-12 Visa International Service Association Event-triggered business-to-business electronic payment processing apparatuses, methods and systems
WO2012135796A1 (en) 2011-04-01 2012-10-04 Visa International Service Association Restricted-use account payment administration apparatuses, methods and systems
US10580049B2 (en) 2011-04-05 2020-03-03 Ingenico, Inc. System and method for incorporating one-time tokens, coupons, and reward systems into merchant point of sale checkout systems
US9195983B2 (en) 2011-04-05 2015-11-24 Roam Data Inc. System and method for a secure cardholder load and storage device
US10592792B2 (en) 2011-04-14 2020-03-17 Handle Financial, Inc. Systems and methods for barcode translation
US10949844B2 (en) 2011-05-09 2021-03-16 Intuit Inc. Processing electronic payment involving mobile communication device
US8861861B2 (en) 2011-05-10 2014-10-14 Expensify, Inc. System and method for processing receipts and other records of users
CN102819809B (en) * 2011-06-07 2016-02-17 航天信息股份有限公司 A kind of acquisition method of tax-control data and system
US11323505B2 (en) 2011-06-20 2022-05-03 Ibotta, Inc. Computer networks for selective node delivery
US20130024267A1 (en) * 2011-06-23 2013-01-24 Savingstar Systems and methods for electronic coupon instant rewarding
US8666847B1 (en) 2011-08-01 2014-03-04 Intuit Inc. Methods systems and computer program products for monitoring inventory and prices
US20130066734A1 (en) * 2011-09-13 2013-03-14 Moon J. Kim Transaction record generation and storage
US8768775B1 (en) 2011-10-28 2014-07-01 Intuit Inc. Methods and systems for automated product registration
US10026117B1 (en) 2011-10-28 2018-07-17 Intuit Inc. Real-time issuer bidding to compete for use of electronic payment instrument by consumer
US9123033B2 (en) * 2011-11-02 2015-09-01 Mastercard International Incorporated Receipt processing and access service
EP2800041A4 (en) * 2011-12-30 2015-09-09 Mozido Corfire Korea Ltd System and method for paying
US10402795B2 (en) 2012-01-05 2019-09-03 Moneygram International, Inc. Prefunding for money transfer send transactions
US10380565B1 (en) 2012-01-05 2019-08-13 United Services Automobile Association (Usaa) System and method for storefront bank deposits
WO2013116714A1 (en) 2012-02-01 2013-08-08 Ebay Inc. Automatically emailing receipt at pos
US20130205191A1 (en) * 2012-02-08 2013-08-08 Honeywell International Inc. Systems and methods of electronic visitor registration
US8967462B2 (en) 2012-03-23 2015-03-03 Tata Consultancy Services Limited Receipt number generation
SE540819C2 (en) * 2012-04-16 2018-11-20 Etnetwork Ab Process and arrangement for handling transaction information related to an electronic transaction
KR101184293B1 (en) * 2012-04-17 2012-09-21 주식회사 신세계 Electronic Receipt Management System and User Method Using User Terminal
US10235668B1 (en) * 2012-04-25 2019-03-19 Wells Fargo Bank, N.A. System and method for a mobile wallet
US10192217B1 (en) 2012-04-25 2019-01-29 Wells Fargo Bank, N.A. System and method for receipt tracking in a mobile wallet
US8639621B1 (en) * 2012-04-25 2014-01-28 Wells Fargo Bank, N.A. System and method for a mobile wallet
CN102693503B (en) * 2012-05-08 2016-04-27 北京工业大学 A kind of Transaction Information transfer approach, disposal system and transmission, receiving trap
US9626701B2 (en) 2012-05-23 2017-04-18 Paynearme, Inc. System and method for facilitating cash payment transactions using a mobile device
CN103456087A (en) * 2012-05-31 2013-12-18 辽宁聚龙金融设备股份有限公司 Method and system for using storage medium for realizing paper currency information processing
DE102012106626B3 (en) 2012-07-20 2013-09-26 Krauss-Maffei Wegmann Gmbh & Co. Kg Weapon platform, military vehicle with a weapons platform and method of operating a weapons platform
US8676653B2 (en) * 2012-07-31 2014-03-18 Wal-Mart Stores, Inc. Use of optical images to authenticate and enable a return with an electronic receipt
TWI610261B (en) * 2012-08-10 2018-01-01 Zhou yan ru Transaction voucher management system and method thereof
US8630927B1 (en) * 2012-08-31 2014-01-14 Wal-Mart Stores, Inc. Locating and organizing digital receipt data for use in in-store audits
US8620755B1 (en) * 2012-08-31 2013-12-31 Wal-Mart Stores, Inc. Locating and organizing digital receipt data for use in in-store audits
US9165276B2 (en) * 2012-08-31 2015-10-20 Wal-Mart Stores, Inc. Locating and organizing digital receipt data for use in in-store audits
US8635112B1 (en) * 2012-08-31 2014-01-21 Wal-Mart Stores, Inc. Locating and organizing digital receipt data for use in in-store audits
US9741050B2 (en) 2012-09-04 2017-08-22 Gratuity, Llc System and method for managing gratuities
USD819651S1 (en) 2012-09-11 2018-06-05 Mx Technologies, Inc. Display screen or portion thereof with a graphical user interface
US20140297488A1 (en) 2012-09-11 2014-10-02 MonyDesktop, Inc. Method for handling refunds in a budgeting system
TWI585703B (en) * 2012-09-18 2017-06-01 國立臺灣大學 One-time certification generating device and one-time certification generating method
US9595024B2 (en) 2012-10-31 2017-03-14 Wal-Mart Stores, Inc. Reprint of a physical receipt and receipt history from an electronic receipt for reducing fraudulent returns
US10032142B2 (en) 2012-10-31 2018-07-24 Walmart Apollo, Llc Reprint of a physical receipt and receipt history from an electronic receipt for reducing fraudulent returns
US8657688B1 (en) 2012-11-26 2014-02-25 Moneygram International, Inc. Promotion generation engine for a money transfer system
KR101460179B1 (en) 2012-11-28 2014-11-10 에스케이씨앤씨 주식회사 Method for Temporary Payment Card Set-up and Mobile Device using the same
JP2014194731A (en) * 2012-12-11 2014-10-09 Toshiba Tec Corp Electronic receipt system, commodity sales data processor, electronic receipt management server, information processor and program
US10552810B1 (en) 2012-12-19 2020-02-04 United Services Automobile Association (Usaa) System and method for remote deposit of financial instruments
CN103106753B (en) * 2012-12-26 2016-06-08 浪潮软件集团有限公司 Petrochemical industry online invoicing method
US10572892B2 (en) 2013-01-30 2020-02-25 Walmart Apollo, Llc Price comparison systems and methods
US20140214518A1 (en) 2013-01-30 2014-07-31 Wal-Mart Stores, Inc. System and method for price matching and comparison
US10438228B2 (en) 2013-01-30 2019-10-08 Walmart Apollo, Llc Systems and methods for price matching and comparison
US9330382B2 (en) 2013-01-31 2016-05-03 Wal-Mart Stores, Inc. Method to facilitate an in-store audit after issuance of an electronic receipt
US10755245B2 (en) * 2013-02-25 2020-08-25 Moneygram International, Inc. Money transfer system having location based language and dynamic receipt capabilities
WO2014142673A1 (en) 2013-03-10 2014-09-18 Melissa Linda Gollan Methods and systems for facilitating payment transaction reconciliation
JP6348718B2 (en) * 2013-03-18 2018-06-27 株式会社ミロク情報サービス Program for portable terminal, portable terminal and expenditure information management system
US20140304127A1 (en) * 2013-04-03 2014-10-09 Thangaraj Karol Stuart Return Receipt Tracking
US9405898B2 (en) 2013-05-10 2016-08-02 Proxense, Llc Secure element as a digital pocket
US20140358708A1 (en) * 2013-05-30 2014-12-04 Paynearme, Inc. Payment Processing with Restricted Receipt Information
US9141949B1 (en) 2013-07-09 2015-09-22 Travis Q. Le Point of sale transaction device
US20150032642A1 (en) * 2013-07-26 2015-01-29 Bank Of America Corporation Use of an e-receipt to verify ownership and service of a product
US9600839B2 (en) 2013-07-29 2017-03-21 Bank Of America Corporation Price evaluation based on electronic receipt data
US9519928B2 (en) 2013-07-29 2016-12-13 Bank Of American Corporation Product evaluation based on electronic receipt data
US10192204B2 (en) 2013-08-01 2019-01-29 Moneygram International, Inc. System and method for staging money transfers between users having profiles
US11138578B1 (en) 2013-09-09 2021-10-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of currency
US9286514B1 (en) 2013-10-17 2016-03-15 United Services Automobile Association (Usaa) Character count determination for a digital image
US9846867B2 (en) 2013-11-20 2017-12-19 Mastercard International Incorporated System and method for point-of-sale electronic receipt generation and management
US9830584B2 (en) * 2013-11-27 2017-11-28 Wal-Mart Stores, Inc. Display an item detail with a receipt snippet
US10192407B2 (en) 2014-01-10 2019-01-29 Handle Financial, Inc. Systems and methods for cash payments for online gaming
US20150363889A1 (en) * 2014-05-30 2015-12-17 Transyl Ventures LLC Methods and Systems for Electronic Receipt Tracking, Storage, and Provision
WO2016003486A1 (en) * 2014-07-02 2016-01-07 Silverstri Ferdinando Method of ownership certification and authenticating commodity of value purchases via such ownership certification using currency serial numbers
EP3164838A4 (en) 2014-07-02 2018-01-10 Michael H. Freeman Receiving, sending and managing electronic approvals and receipts invention
US10515420B2 (en) 2014-10-17 2019-12-24 Anders Michael Juul EJLERSEN Method, system and software program for handling and storing purchase transactions between a user and a point-of-sale
US20160148321A1 (en) * 2014-11-20 2016-05-26 Hrb Innovations, Inc. Simplified screening for predicting errors in tax returns
US9978039B1 (en) 2015-04-22 2018-05-22 Ashutosh Mohan Sharma Document gateway system to cloud-based document repository
FR3036527B1 (en) * 2015-05-18 2018-07-13 Deewee DEVICE, SYSTEM AND METHOD FOR DEMATERIALIZING CHARGERS
US10402790B1 (en) 2015-05-28 2019-09-03 United Services Automobile Association (Usaa) Composing a focused document image from multiple image captures or portions of multiple image captures
US10489840B2 (en) 2016-01-22 2019-11-26 Walmart Apollo, Llc System, method, and non-transitory computer-readable storage media related to providing real-time price matching and time synchronization encryption
US11507688B1 (en) 2016-05-10 2022-11-22 Ibotta, Inc. Methods and systems for tracking and regulating the availability of syndicated data items across multiple communication channels including online and offline channels
CN106097609A (en) * 2016-07-21 2016-11-09 中国银联股份有限公司 The remote control administrative system of intelligence POS terminal and remote monitoring and administration method
US11748821B1 (en) * 2016-07-28 2023-09-05 United Services Automobile Association (Usaa) Systems and methods for managing and reducing spending
US10872320B2 (en) 2016-07-29 2020-12-22 Square, Inc. Reprogrammable point-of-sale transaction flows
US10496973B2 (en) * 2016-07-29 2019-12-03 Square, Inc. Reprogrammable point-of-sale transaction flows
US10692055B2 (en) 2016-07-29 2020-06-23 Square, Inc. Reprogrammable point-of-sale transaction flows
CN106157469A (en) * 2016-08-03 2016-11-23 北京互帮国际技术有限公司 A kind of obtain safely merchandise news and by the method for Bluetooth transmission at trader front end
US10438296B2 (en) * 2016-08-08 2019-10-08 Bank Of America Corporation System for analyzing historical events to determine potential catalysts and automatically generating and implementing mitigation
US20180047006A1 (en) * 2016-08-11 2018-02-15 Wal-Mart Stores, Inc. Automated store return process
US11037146B2 (en) * 2016-12-21 2021-06-15 Walmart Apollo, Llc Managing product returns associated with a user device
US10313480B2 (en) 2017-06-22 2019-06-04 Bank Of America Corporation Data transmission between networked resources
US10511692B2 (en) 2017-06-22 2019-12-17 Bank Of America Corporation Data transmission to a networked resource based on contextual information
US10524165B2 (en) 2017-06-22 2019-12-31 Bank Of America Corporation Dynamic utilization of alternative resources based on token association
US11393045B2 (en) * 2017-06-27 2022-07-19 Fin Box Technologies, Inc. Methods and systems for efficient delivery of accounting and corporate planning services
US10803533B2 (en) * 2017-06-27 2020-10-13 Fin Box Technologies, Inc. Methods and systems for efficient delivery of accounting and corporate planning services
US20190174933A1 (en) 2017-12-12 2019-06-13 Gpcp Ip Holdings Llc Food service cup dispensers, systems, and methods
US11752779B2 (en) 2017-12-12 2023-09-12 Gpcp Ip Holdings Llc Food service cup dispensers, systems, and methods
US11030752B1 (en) 2018-04-27 2021-06-08 United Services Automobile Association (Usaa) System, computing device, and method for document detection
US10748132B2 (en) * 2018-07-17 2020-08-18 Bank Of America Corporation Security tool
CN109598878A (en) * 2018-12-14 2019-04-09 王子羡 A kind of gas station's intelligence printing invoice system
US11170384B2 (en) * 2019-03-29 2021-11-09 Toshiba Global Commerce Solutions Holdings Corporation Return fraud prevention
US10482433B1 (en) 2019-04-25 2019-11-19 Capital One Services, Llc Real-time transaction and receipt processing systems
US11900755B1 (en) 2020-11-30 2024-02-13 United Services Automobile Association (Usaa) System, computing device, and method for document detection and deposit processing
KR20220098637A (en) * 2021-01-04 2022-07-12 주식회사 올링크 Method and System for Transferring Receipt Information
US11810086B2 (en) 2021-08-25 2023-11-07 Visa International Service Association System, method, and computer program product for generating digital receipts

Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5025373A (en) * 1988-06-30 1991-06-18 Jml Communications, Inc. Portable personal-banking system
US6195417B1 (en) * 1997-11-18 2001-02-27 Telecheck International, Inc. Automated system for accessing speech-based information
US6282523B1 (en) * 1998-06-29 2001-08-28 Walker Digital, Llc Method and apparatus for processing checks to reserve funds
US6305603B1 (en) * 1999-01-29 2001-10-23 International Business Machines Corporation Personal digital assistant based financial transaction method and system
US20020010612A1 (en) * 2001-05-30 2002-01-24 Smith Steven B. Method and system for managing spending through account allocation
US20020147668A1 (en) * 2000-11-18 2002-10-10 Smith Steven B. Methods and systems for job-based accounting
US20030125969A1 (en) * 2001-12-28 2003-07-03 Wireless Checking, Inc. Method and apparatus for processing financial transactions over a paging network
US20030149662A1 (en) * 2000-02-10 2003-08-07 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
US20030216996A1 (en) * 2002-05-14 2003-11-20 Capital One Financial Corporation Methods and systems for providing financial payment services
US20040225567A1 (en) * 2003-05-06 2004-11-11 International Business Machines Corporation Point-of-sale electronic receipt generation
US20040243489A1 (en) * 2003-05-27 2004-12-02 International Business Machines Corporation Expense accounting data management based on electronic expense document
US6883706B2 (en) * 2003-05-05 2005-04-26 International Business Machines Corporation Point-of-sale bill authentication

Family Cites Families (67)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4745267A (en) 1983-12-28 1988-05-17 Fairview Partners Fraudulent card intercept system
GB8621333D0 (en) 1986-09-04 1986-10-15 Manitoba Telephone System Key management system
US5136647A (en) 1990-08-02 1992-08-04 Bell Communications Research, Inc. Method for secure time-stamping of digital documents
US5191613A (en) 1990-11-16 1993-03-02 Graziano James M Knowledge based system for document authentication
CA2078020C (en) 1992-09-11 2000-12-12 Rodney G. Denno Combination pin pad and terminal
US5649115A (en) * 1994-06-02 1997-07-15 Intuit, Inc. Tracking method and apparatus
US5715314A (en) 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5701343A (en) 1994-12-01 1997-12-23 Nippon Telegraph & Telephone Corporation Method and system for digital information protection
EP1526472A3 (en) 1995-02-13 2006-07-26 Intertrust Technologies Corp. Systems and methods for secure transaction management and electronic rights protection
US5799283A (en) * 1995-05-10 1998-08-25 Francisco; Paul A. Point of sale governmental sales and use tax reporting and receipt system
US5809144A (en) 1995-08-24 1998-09-15 Carnegie Mellon University Method and apparatus for purchasing and delivering digital goods over a network
US5913022A (en) * 1995-08-31 1999-06-15 Schlumberger Technologies, Inc. Loading hardware pattern memory in automatic test equipment for testing circuits
US6279112B1 (en) 1996-10-29 2001-08-21 Open Market, Inc. Controlled transfer of information in computer networks
US5748742A (en) 1995-11-30 1998-05-05 Amsc Subsidiary Corporation Fraud detection and user validation system for mobile earth terminal communication device
US5739512A (en) * 1996-05-30 1998-04-14 Sun Microsystems, Inc. Digital delivery of receipts
US5915022A (en) * 1996-05-30 1999-06-22 Robinson; Rodney Aaron Method and apparatus for creating and using an encrypted digital receipt for electronic transactions
US6327656B2 (en) 1996-07-03 2001-12-04 Timestamp.Com, Inc. Apparatus and method for electronic document certification and verification
US20030217005A1 (en) * 1996-11-27 2003-11-20 Diebold Self Service Systems, Division Of Diebold, Incorporated Automated banking machine system and method
US5917913A (en) 1996-12-04 1999-06-29 Wang; Ynjiun Paul Portable electronic authorization devices and methods therefor
US6035402A (en) 1996-12-20 2000-03-07 Gte Cybertrust Solutions Incorporated Virtual certificate authority
US6260145B1 (en) 1997-02-14 2001-07-10 Fujitsu Limited System and method of authentication of digital information
TW486646B (en) 1997-04-11 2002-05-11 Brodia Group Trusted agent for electronic commerce
US6131162A (en) 1997-06-05 2000-10-10 Hitachi Ltd. Digital data authentication method
JPH1153650A (en) 1997-08-07 1999-02-26 Nec Commun Syst Ltd Pos terminal system having its receipt handled electronically
FI973788A (en) 1997-09-25 1999-03-26 Nokia Telecommunications Oy Electronic payment system
US6330549B1 (en) 1997-10-30 2001-12-11 Xerox Corporation Protected shareware
US6016480A (en) * 1997-11-07 2000-01-18 Image Data, Llc Merchandise return fraud prevention system and method
US5983238A (en) * 1997-12-26 1999-11-09 Diamond Id Gemstons identification tracking and recovery system
JPH11252069A (en) 1998-03-06 1999-09-17 Fuji Electric Co Ltd Mutual authentication device between information devices
US6243480B1 (en) 1998-04-30 2001-06-05 Jian Zhao Digital authentication with analog documents
US6219788B1 (en) 1998-05-14 2001-04-17 International Business Machines Corporation Watchdog for trusted electronic content distributions
US6067529A (en) * 1998-08-12 2000-05-23 Ericsson Inc. System and method for sending a short message containing purchase information to a destination terminal
KR100358426B1 (en) 1998-08-18 2003-01-29 한국전자통신연구원 Electronic Cash Transaction Method
WO2000036539A2 (en) 1998-12-12 2000-06-22 The Brodia Group Trusted agent for electronic commerce
US6307955B1 (en) 1998-12-18 2001-10-23 Topaz Systems, Inc. Electronic signature management system
FR2788909B1 (en) 1999-01-27 2004-02-20 France Telecom AUTHENTICATION OR SIGNATURE PROCESS WITH REDUCED NUMBER OF CALCULATIONS
DE19906213A1 (en) 1999-02-15 2000-08-24 Siemens Ag Method and device for billing fee-based communication services
US20010037454A1 (en) 2000-05-01 2001-11-01 Botti John T. Computer networked system and method of digital file management and authentication
JP2000312204A (en) 1999-04-27 2000-11-07 Sony Corp Authentication processing unit, authentication processing method and authentication processing system
US6648222B2 (en) * 1999-06-02 2003-11-18 Mcdonald Ian Internet-based zero intrinsic value smart card with value data accessed in real time from remote database
US6988199B2 (en) 2000-07-07 2006-01-17 Message Secure Secure and reliable document delivery
WO2001011843A1 (en) 1999-08-06 2001-02-15 Sudia Frank W Blocked tree authorization and status systems
US6327576B1 (en) * 1999-09-21 2001-12-04 Fujitsu Limited System and method for managing expiration-dated products utilizing an electronic receipt
US6735630B1 (en) * 1999-10-06 2004-05-11 Sensoria Corporation Method for collecting data using compact internetworked wireless integrated network sensors (WINS)
JP2001134645A (en) 1999-11-02 2001-05-18 Sony Corp System, device and method for expense processing and settlement processor
US7318047B1 (en) * 1999-12-29 2008-01-08 Pitney Bowes Inc. Method and apparatus for providing electronic refunds in an online payment system
AU2001236838A1 (en) 2000-02-09 2001-08-20 Internetcash.Com Methods and systems for making secure electronic payments
KR20010085205A (en) 2000-02-29 2001-09-07 이수원 System for managing electronic receipt according to electronic commerce and method for managing thereof
JP2001282641A (en) * 2000-04-03 2001-10-12 Oki Electric Ind Co Ltd Content-certifying electronic mail service system
EP1282876A4 (en) 2000-04-12 2004-06-23 Ascom Hasler Mailing Sys Inc Technique for securely conducting online transactions
US7111168B2 (en) 2000-05-01 2006-09-19 Digimarc Corporation Digital watermarking systems
JP2002007687A (en) 2000-06-20 2002-01-11 Fujitsu General Ltd Method and system for managing purchase while utilizing terminal for household economy
US6487540B1 (en) * 2000-07-25 2002-11-26 In2M Corporation Methods and systems for electronic receipt transmission and management
JP2004507842A (en) * 2000-08-28 2004-03-11 リー スー ウォン Electronic receipt management system and method by electronic commerce
EP1199664A3 (en) * 2000-10-03 2004-02-04 Ncr International Inc. Digital purchase transaction receipt having an attachment correlated to payment method
EP1195706A2 (en) * 2000-10-03 2002-04-10 Ncr International Inc. Forwarding of selective transaction data from a digital receipt to a non-party to the transaction
JPWO2002050789A1 (en) 2000-12-20 2004-04-22 富士通株式会社 POS system, merchandise sales management device, and purchase history data browsing terminal
KR20020058325A (en) 2000-12-29 2002-07-12 조성제 Method for issuing an electronic receipt
US6543683B2 (en) * 2001-02-12 2003-04-08 Ncr Corporation System and method for providing consumer access to a stored digital receipt generated as a result of a purchase transaction and to business/consumer applications related to the stored digital receipt
US6592029B2 (en) * 2001-02-16 2003-07-15 Ghassan Brikho System and method for gathering customer information for completing check cashing transactions
JP2002297890A (en) 2001-03-30 2002-10-11 Ntt Comware Corp Household economy management support system
KR100641824B1 (en) 2001-04-25 2006-11-06 주식회사 하렉스인포텍 A payment information input method and mobile commerce system using symmetric cipher system
JP2003006551A (en) 2001-06-25 2003-01-10 Seiko Epson Corp Electronic settlement system and electronic settlement method
US6898598B2 (en) * 2001-08-09 2005-05-24 International Business Machines Corporation Smart receipt
US20030055733A1 (en) 2001-09-20 2003-03-20 Marshall Carl S. Mobile digital receipts
US7269737B2 (en) * 2001-09-21 2007-09-11 Pay By Touch Checking Resources, Inc. System and method for biometric authorization for financial transactions
US20030233557A1 (en) * 2002-06-13 2003-12-18 Zimmerman Thomas Guthrie Electronic signature verification method and apparatus

Patent Citations (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5025373A (en) * 1988-06-30 1991-06-18 Jml Communications, Inc. Portable personal-banking system
US6195417B1 (en) * 1997-11-18 2001-02-27 Telecheck International, Inc. Automated system for accessing speech-based information
US6282523B1 (en) * 1998-06-29 2001-08-28 Walker Digital, Llc Method and apparatus for processing checks to reserve funds
US6305603B1 (en) * 1999-01-29 2001-10-23 International Business Machines Corporation Personal digital assistant based financial transaction method and system
US20030149662A1 (en) * 2000-02-10 2003-08-07 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
US20020147668A1 (en) * 2000-11-18 2002-10-10 Smith Steven B. Methods and systems for job-based accounting
US20020010612A1 (en) * 2001-05-30 2002-01-24 Smith Steven B. Method and system for managing spending through account allocation
US20030125969A1 (en) * 2001-12-28 2003-07-03 Wireless Checking, Inc. Method and apparatus for processing financial transactions over a paging network
US20030216996A1 (en) * 2002-05-14 2003-11-20 Capital One Financial Corporation Methods and systems for providing financial payment services
US6883706B2 (en) * 2003-05-05 2005-04-26 International Business Machines Corporation Point-of-sale bill authentication
US20040225567A1 (en) * 2003-05-06 2004-11-11 International Business Machines Corporation Point-of-sale electronic receipt generation
US20040243489A1 (en) * 2003-05-27 2004-12-02 International Business Machines Corporation Expense accounting data management based on electronic expense document

Cited By (155)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050027650A1 (en) * 1999-03-31 2005-02-03 Walker Jay S. Methods and systems for accepting offers via checks
US7664705B2 (en) * 1999-03-31 2010-02-16 Walker Digital, Llc Methods and systems for accepting offers via checks
US8175963B2 (en) 1999-03-31 2012-05-08 Walker Digital, Llc Methods and systems for accepting offers via checks
US9619682B2 (en) * 2004-03-19 2017-04-11 Nokia Technologies Oy Detector logic and radio identification device and method for enhancing terminal operations
US9881190B2 (en) 2004-03-19 2018-01-30 Nokia Technologies Oy Detector logic and radio identification device and method for enhancing terminal operations
US20150310239A1 (en) * 2004-03-19 2015-10-29 Nokia Technologies Oy Detector logic and radio identification device and method for enhancing terminal operations
US10546164B2 (en) 2004-03-19 2020-01-28 Nokia Technologies Oy Detector logic and radio identification device and method for enhancing terminal operations
US20060178958A1 (en) * 2004-12-01 2006-08-10 Chalbia Abdelfattah Systems and methods for data processing
US8285612B2 (en) * 2004-12-01 2012-10-09 Sap Ag Systems and methods for data processing
US20060282270A1 (en) * 2005-06-09 2006-12-14 First Data Corporation Identity verification noise filter systems and methods
US8109435B2 (en) 2005-07-14 2012-02-07 Early Warning Services, Llc Identity verification switch
US20070012757A1 (en) * 2005-07-14 2007-01-18 First Data Corporation Identity verification switch
US7693784B2 (en) * 2005-09-01 2010-04-06 Davis + Henderson, Limited Partnership Method and system for reporting cashflows to clients
US20100010931A1 (en) * 2005-09-01 2010-01-14 Davis + Henderson Method and System for Reporting Cashflows to Clients
US8538868B2 (en) 2005-09-01 2013-09-17 D+H Limited Partnership Method and system for preparing a transfer document
US8060439B2 (en) 2005-09-01 2011-11-15 D+H Limited Partnership Method and system for reporting cashflows to clients
US20070055626A1 (en) * 2005-09-01 2007-03-08 Serge Rivest Method and system for reporting cashflows to clients
US20070055627A1 (en) * 2005-09-01 2007-03-08 Serge Rivest Method and system for preparing a transfer document
US11195166B2 (en) 2007-01-09 2021-12-07 Visa U.S.A. Inc. Mobile payment management
US20080167961A1 (en) * 2007-01-09 2008-07-10 Dave Wentker Contactless transaction
US10057085B2 (en) * 2007-01-09 2018-08-21 Visa U.S.A. Inc. Contactless transaction
US10032157B2 (en) 2007-01-09 2018-07-24 Visa U.S.A. Inc. Mobile device with disabling feature
US9811823B2 (en) 2007-01-09 2017-11-07 Visa U.S.A. Inc. Mobile device with disabling feature
US10600045B2 (en) 2007-01-09 2020-03-24 Visa U.S.A. Inc. Mobile device with disabling feature
US20080200144A1 (en) * 2007-02-16 2008-08-21 Ginsberg Todd D System and Method for Providing Alerts Over a Network
US20080268811A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Payment application download to mobile phone and phone personalization
US8688570B2 (en) * 2007-04-27 2014-04-01 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US8620260B2 (en) 2007-04-27 2013-12-31 American Express Travel Related Services Company, Inc. Payment application download to mobile phone and phone personalization
US9866989B2 (en) 2007-04-27 2018-01-09 Iii Holdings 1, Llc Payment application download to mobile phone and phone personalization
US10223675B2 (en) 2007-04-27 2019-03-05 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US9307341B2 (en) 2007-04-27 2016-04-05 Iii Holdings 1, Llc Payment application download to mobile phone and phone personalization
US20080270301A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. Mobile payment system and method
US11790332B2 (en) 2007-04-27 2023-10-17 American Express Travel Related Services Company, Inc. Mobile telephone transfer of funds
US20080270302A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Co., Inc. User experience on mobile phone
US8543496B2 (en) 2007-04-27 2013-09-24 American Express Travel Related Services Company, Inc. User experience on mobile phone
US20080270300A1 (en) * 2007-04-27 2008-10-30 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US7958050B2 (en) * 2007-07-02 2011-06-07 Early Warning Services, Llc Payment account monitoring system and method
US20090012889A1 (en) * 2007-07-02 2009-01-08 Early Warning Services, Llc Payment account monitoring system and method
US11741536B2 (en) * 2007-12-12 2023-08-29 Capital One Services, Llc Method and system for redirecting a financial transaction
US20220222742A1 (en) * 2007-12-12 2022-07-14 Capital One Services, Llc Method and system for redirecting a financial transaction
US11276113B2 (en) * 2007-12-12 2022-03-15 Capital One Services, Llc Method and system for redirecting a financial transaction
US8693737B1 (en) 2008-02-05 2014-04-08 Bank Of America Corporation Authentication systems, operations, processing, and interactions
US20110213709A1 (en) * 2008-02-05 2011-09-01 Bank Of America Corporation Customer and purchase identification based upon a scanned biometric of a customer
US20110213710A1 (en) * 2008-02-05 2011-09-01 Bank Of America Corporation Identification of customers and use of virtual accounts
US20090271315A1 (en) * 2008-04-29 2009-10-29 Ayman Hammad Portable device including alterable indicator
US20100057574A1 (en) * 2008-08-28 2010-03-04 Bank Of America Budget envelope credit card
US11443324B1 (en) * 2009-02-02 2022-09-13 United Services Automobile Association (Usaa) Systems and method for providing card account controls and purchase impact information
US8843405B1 (en) * 2009-02-02 2014-09-23 United Services Automobile Association (Usaa) Systems and methods for providing card account controls and purchase impact information
US10019714B1 (en) * 2009-02-02 2018-07-10 United Services Automobile Association (Usaa) Systems and methods for providing card account controls and purchase impact information
US8429079B1 (en) * 2009-10-09 2013-04-23 U.S. Bank National Association Overdraft protection and forgiveness
US20110125643A1 (en) * 2009-10-09 2011-05-26 Valerie Felice Cameo Overdraft protection and forgiveness
US8606714B1 (en) * 2009-10-09 2013-12-10 U.S. Bank National Association Flexible account management for customer transactions and overdrafts
US8255330B2 (en) * 2009-10-09 2012-08-28 U.S. Bank National Association Overdraft protection and forgiveness
US8762277B1 (en) * 2009-10-09 2014-06-24 U.S. Bank National Association Overdraft protection and forgiveness
US20110145086A1 (en) * 2009-12-15 2011-06-16 Zonamovil, Inc. Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts
US8799092B2 (en) * 2009-12-15 2014-08-05 Zonamovil, Inc. Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts
US10564990B1 (en) 2010-02-23 2020-02-18 Intuit Inc. Interactive budget display including dynamically adjustable budget elements
US20110225084A1 (en) * 2010-03-11 2011-09-15 Tim Holt Method for customer selectable overdraft avoidance
US20130226805A1 (en) * 2010-04-01 2013-08-29 Bank Of America Corporation Protection for exceeding a credit threshold
US20110246355A1 (en) * 2010-04-01 2011-10-06 Bank Of America Corporation Over limit protection
US8988186B1 (en) * 2010-04-15 2015-03-24 Bank Of America Corporation Self-service device user asset condition alert
US20140310163A1 (en) * 2010-05-20 2014-10-16 Huntington Bancshares Incorporated System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position
US20210110470A1 (en) * 2010-05-20 2021-04-15 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US8364581B2 (en) * 2010-05-20 2013-01-29 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US20180025421A1 (en) * 2010-05-20 2018-01-25 Huntington Bancshares Incorporated System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position
US20210358029A1 (en) * 2010-05-20 2021-11-18 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US11080782B2 (en) * 2010-05-20 2021-08-03 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US10748209B2 (en) * 2010-05-20 2020-08-18 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US20170018027A1 (en) * 2010-05-20 2017-01-19 Huntington Bancshares Incorporated System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position
US20130110712A1 (en) * 2010-05-20 2013-05-02 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US10475118B2 (en) * 2010-05-20 2019-11-12 Huntington Bancshares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US20120054093A1 (en) * 2010-05-20 2012-03-01 David Schamer System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US8781955B2 (en) * 2010-05-20 2014-07-15 Huntington Bane Shares Incorporated System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position
US20110295731A1 (en) * 2010-05-26 2011-12-01 Bank Of America Corporation Financial customer account activity monitoring and predictive account management system
US20110320292A1 (en) * 2010-06-28 2011-12-29 Perdue Donald R Systems and methods for obtaining debit card customer approval of overdraft fees
US20120054049A1 (en) * 2010-08-26 2012-03-01 EPoST Systems, LLC. Tracking chain-of-commerce data through point-of-sale transactions
US20120066077A1 (en) * 2010-09-10 2012-03-15 Bank Of America Corporation Overage service via mobile device
US9595035B2 (en) 2010-09-10 2017-03-14 Bank Of America Corporation Service for exceeding account thresholds via transaction machine
US9595036B2 (en) 2010-09-10 2017-03-14 Bank Of America Corporation Service for exceeding account thresholds via mobile device
US9508076B2 (en) 2010-09-10 2016-11-29 Bank Of America Corporation Service for account with unavailable funds or credit using a passcode
US20120061464A1 (en) * 2010-09-10 2012-03-15 Bank Of America Corporation Overage service involving overage magnetic stripe
US9047639B1 (en) * 2010-09-10 2015-06-02 Bank Of America Corporation Service participation acknowledgement system
US9047640B2 (en) 2010-09-10 2015-06-02 Bank Of America Corporation Exceeded account threshold service involving exceeded account threshold magnetic stripe
US20120066078A1 (en) * 2010-09-10 2012-03-15 Bank Of America Corporation Overage service using overage passcode
US8688557B2 (en) 2010-09-29 2014-04-01 Fiserv, Inc. Systems and methods for customer value optimization involving relationship optimization
US8271386B2 (en) * 2010-10-17 2012-09-18 Bank Of America Corporation Payment balance exception processing
US20120095913A1 (en) * 2010-10-17 2012-04-19 Bank Of America Corporation Overdraft Payment Balance Exception Processing
US20120130894A1 (en) * 2010-11-09 2012-05-24 Billy James Pendleton System and method for ATM ODF notification (Automatic Teller Machine overdraft fee notification)
US20120179604A1 (en) * 2011-01-06 2012-07-12 Citizens Financial Group, Inc. Method and system for allowing a user to control the order in which transactions are posted
US10445741B2 (en) * 2011-01-24 2019-10-15 Visa International Service Association Transaction overrides
US20130024289A1 (en) * 2011-01-24 2013-01-24 Allen Cueli Transaction Overrides
US11301869B2 (en) 2011-01-24 2022-04-12 Visa International Service Association Transaction overrides
US20140032395A1 (en) * 2011-04-07 2014-01-30 Infosys Limited System and method for granting a temporary overdraft automatically
US9727910B1 (en) 2011-04-29 2017-08-08 Intuit Inc. Methods, systems, and articles of manufacture for implementing an antecedent, location-based budget alert to a user
US8538827B1 (en) * 2011-04-29 2013-09-17 Intuit Inc. Real-time alert during on-line transaction
US8635134B2 (en) 2011-09-07 2014-01-21 Fiserv, Inc. Systems and methods for optimizations involving insufficient funds (NSF) conditions
US20130138552A1 (en) * 2011-11-28 2013-05-30 Rawllin International Inc. Unified charging and credit system
US9633385B1 (en) 2012-01-30 2017-04-25 Intuit Inc. Financial management system categorization utilizing image or video acquired with mobile communication device
US8744899B2 (en) 2012-02-28 2014-06-03 Fiserv, Inc. Systems and methods for migrating customers to alternative financial products
US8762194B2 (en) 2012-02-28 2014-06-24 Fiserv, Inc. Systems and methods for evaluating alternative financial products
US8688572B2 (en) 2012-06-01 2014-04-01 Bank Of America Corporation Financial account related trigger feature for risk mitigation
US8805730B2 (en) 2012-06-01 2014-08-12 Bank Of America Corporation Trigger data quality monitor
US10496977B2 (en) 2012-07-16 2019-12-03 Square, Inc. Storing and forwarding payment transactions
US11475431B2 (en) 2012-07-16 2022-10-18 Block, Inc. Transaction processing by multiple devices
US11669826B2 (en) 2012-07-16 2023-06-06 Block, Inc. Transaction processing by multiple devices
US20140074569A1 (en) * 2012-09-11 2014-03-13 First Data Corporation Systems and methods for facilitating loyalty and reward functionality in mobile commerce
US10185959B2 (en) * 2012-12-13 2019-01-22 Paypal, Inc. Shared pools for common transactions
US9378492B1 (en) * 2013-05-02 2016-06-28 Amdocs Software Systems Limited System, method, and computer program for automatically resolving non-sufficient funds (NSF) errors in a network
US20150302383A1 (en) * 2014-04-22 2015-10-22 Ebay Inc. Recommended payment options
US10318946B2 (en) * 2014-04-22 2019-06-11 Paypal, Inc. Recommended payment options
US10242351B1 (en) * 2014-05-07 2019-03-26 Square, Inc. Digital wallet for groups
US10402798B1 (en) 2014-05-11 2019-09-03 Square, Inc. Open tab transactions
US11783331B2 (en) 2014-05-11 2023-10-10 Block, Inc. Cardless transaction using account automatically generated based on previous transaction
US11645651B2 (en) 2014-05-11 2023-05-09 Block, Inc. Open tab transactions
US11887097B2 (en) * 2014-08-12 2024-01-30 Capital One Services, Llc System and method for providing a group account
US20220156715A1 (en) * 2014-08-12 2022-05-19 Capital One Services, Llc System and method for providing a group account
US11270286B2 (en) * 2014-08-12 2022-03-08 Capital One Services, Llc System and method for providing a group account
US10902401B2 (en) * 2014-08-12 2021-01-26 Capital One Services, Llc System and method for providing a group account
US20200226579A1 (en) * 2014-08-12 2020-07-16 Capital One Services, Llc System and method for providing a group account
US10510071B2 (en) * 2014-09-29 2019-12-17 The Toronto-Dominion Bank Systems and methods for generating and administering mobile applications using pre-loaded tokens
US11138591B2 (en) 2014-09-29 2021-10-05 The Toronto-Dominion Bank Systems and methods for generating and administering mobile applications using pre-loaded tokens
US9881302B1 (en) 2014-12-11 2018-01-30 Square, Inc. Intelligent payment capture in failed authorization requests
US9741035B1 (en) * 2014-12-11 2017-08-22 Square, Inc. Intelligent payment capture in failed authorization requests
US11636462B2 (en) * 2015-03-20 2023-04-25 Block, Inc. Context-aware peer-to-peer transfers of items
US11915216B2 (en) 2015-08-19 2024-02-27 Block, Inc. Dynamically determining a customized transaction flow
US10049155B2 (en) 2016-01-20 2018-08-14 Bank Of America Corporation System for mending through automated processes
US10891628B1 (en) 2016-05-05 2021-01-12 State Farm Mutual Automobile Insurance Company Using cognitive computing to improve relationship pricing
US11004116B1 (en) 2016-05-05 2021-05-11 State Farm Mutual Automobile Insurance Company Using cognitive computing for presenting targeted loan offers
US10977725B1 (en) * 2016-05-05 2021-04-13 State Farm Mutual Automobile Insurance Company Preventing account overdrafts and excessive credit spending
US10733631B2 (en) 2016-05-05 2020-08-04 State Farm Mutual Automobile Insurance Company Using cognitive computing to provide targeted offers for preferred products to a user via a mobile device
US11900421B2 (en) 2016-05-05 2024-02-13 State Farm Mutual Automobile Insurance Company Using cognitive computing to provide targeted offers for preferred products to a user via a mobile device
US10891655B1 (en) 2016-05-05 2021-01-12 State Farm Mutual Automobile Insurance Company Cognitive computing for generating targeted offers to inactive account holders
US11257122B1 (en) 2016-05-05 2022-02-22 State Farm Mutual Automobile Insurance Company Using cognitive computing to provide targeted offers for preferred products to a user via a mobile device
US11412054B2 (en) * 2016-06-08 2022-08-09 Bank Of America Corporation System for predictive use of resources
US10581988B2 (en) * 2016-06-08 2020-03-03 Bank Of America Corporation System for predictive use of resources
US20170359229A1 (en) * 2016-06-08 2017-12-14 Bank Of America Corporation System for predictive use of resources
US10291487B2 (en) 2016-06-08 2019-05-14 Bank Of America Corporation System for predictive acquisition and use of resources
US10178101B2 (en) 2016-06-08 2019-01-08 Bank Of America Corporation System for creation of alternative path to resource acquisition
US10433196B2 (en) 2016-06-08 2019-10-01 Bank Of America Corporation System for tracking resource allocation/usage
US10129126B2 (en) 2016-06-08 2018-11-13 Bank Of America Corporation System for predictive usage of resources
US10366378B1 (en) 2016-06-30 2019-07-30 Square, Inc. Processing transactions in offline mode
US11010844B2 (en) 2016-08-31 2021-05-18 Paypal, Inc. Preemptive data processing to mitigate against overdraft and declined transaction
US11403719B2 (en) 2016-08-31 2022-08-02 Paypal, Inc. Preemptive data processing to mitigate against overdraft and declined transaction
US20180060843A1 (en) * 2016-08-31 2018-03-01 Paypal, Inc. Preemptive data processing to mitigate against overdraft and declined transaction
US10467709B2 (en) * 2016-08-31 2019-11-05 Paypal, Inc. Preemptive data processing to mitigate against overdraft and declined transaction
US10970689B2 (en) * 2016-10-04 2021-04-06 The Toronto-Dominion Bank Systems and methods for dynamic user interface modification
US20180096318A1 (en) * 2016-10-04 2018-04-05 The Toronto-Dominion Bank Systems and methods for dynamic user interface modification
US10540642B2 (en) * 2016-10-04 2020-01-21 The Toronto-Dominion Bank Systems and methods for dynamic user interface modification
US11694181B2 (en) 2017-10-03 2023-07-04 The Toronto-Dominion Bank Automatic digital personal assistant interjection for delaying data exchange outcomes
US10748131B2 (en) * 2017-10-03 2020-08-18 The Toronto-Dominion Bank Automatic digital personal assistant interjection for delaying data exchange outcomes
US10943605B2 (en) 2017-10-04 2021-03-09 The Toronto-Dominion Bank Conversational interface determining lexical personality score for response generation with synonym replacement
US10878816B2 (en) 2017-10-04 2020-12-29 The Toronto-Dominion Bank Persona-based conversational interface personalization using social network preferences
US11042930B1 (en) * 2018-03-20 2021-06-22 Intuit, Inc. Insufficient funds predictor
US11204967B2 (en) * 2018-09-25 2021-12-21 Gunnar Lovelace Computer system transaction processing
US11562355B2 (en) 2019-01-31 2023-01-24 Visa International Service Association Method, system, and computer program product for automatically re-processing a transaction

Also Published As

Publication number Publication date
CN1784699A (en) 2006-06-07
KR20060008309A (en) 2006-01-26
CA2524062A1 (en) 2004-11-18
KR100877375B1 (en) 2009-01-07
TW200506682A (en) 2005-02-16
JP2007528034A (en) 2007-10-04
TWI358676B (en) 2012-02-21
WO2004100027A2 (en) 2004-11-18
US20040225567A1 (en) 2004-11-11
US20070094087A1 (en) 2007-04-26
CN100587743C (en) 2010-02-03
US20070094088A1 (en) 2007-04-26
US7797192B2 (en) 2010-09-14

Similar Documents

Publication Publication Date Title
US20070106558A1 (en) System and method of automatic insufficient funds notification and overdraft protection
JP5643856B2 (en) Foreign currency conversion at transaction
US7333953B1 (en) Method and apparatus for integrated payments processing and decisioning for internet transactions
US8095445B2 (en) Method and system for completing a transaction between a customer and a merchant
US8924294B2 (en) Methods and systems for routing payment transactions
AU2009200162B2 (en) Method and system for completing a transaction between a customer and a merchant
US8820635B2 (en) Processing a transaction by a terminal
US8781960B2 (en) Computerized method to accept and settle cash transaction payments
US6678664B1 (en) Cashless transactions without credit cards, debit cards or checks
US20140236817A1 (en) Bar coded monetary transaction system and method
US20060085335A1 (en) Point of sale systems and methods for consumer bill payment
EP1049056A2 (en) Electronic bill presentment and/or payment clearinghouse
US20050283436A1 (en) Point of sale purchase system
JP2007507799A (en) System and method for automatic payment and adjustment
AU2002247093B8 (en) Method and system for completing a transaction between a customer and a merchant
AU2002247093A1 (en) Method and system for completing a transaction between a customer and a merchant

Legal Events

Date Code Title Description
AS Assignment

Owner name: INTERNATIONAL BUSINESS MACHINES CORPORATION, NEW Y

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:MITCHELL, JOAN L., DR.;MASTIE, SCOTT D.;REEL/FRAME:018369/0224;SIGNING DATES FROM 20061005 TO 20061009

STCB Information on status: application discontinuation

Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION