FISERV, INC. Patent applications |
Patent application number | Title | Published |
20150095240 | CARD ACCOUNT IDENTIFIERS ASSOCIATED WITH CONDITIONS FOR TEMPORARY USE - Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. | 04-02-2015 |
20150095239 | CARD ACCOUNT IDENTIFIERS ASSOCIATED WITH CONDITIONS FOR TEMPORARY USE - Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. | 04-02-2015 |
20150039498 | BILLER-INITIATED ELECTRONIC BILLING ACTIVATION - This disclosure describes systems, methods, and computer-readable media related to biller-initiated electronic billing activation. A biller system associated with a biller may receive entity information associated with an entity requesting to establish a biller account with the biller. The biller system may generate the biller account. The biller system may generate an electronic billing activation request. The biller system may transmit to a service provider system associated with an electronic bill presentment and payment (EBPP) service provider, the electronic billing activation request and receive a confirmation of processing of the electronic billing activation request. | 02-05-2015 |
20150039497 | BILLER-INITIATED ELECTRONIC BILLING ACTIVATION - This disclosure describes systems, methods, and computer-readable media related to biller-initiated electronic billing activation. A service provider system for electronic bill presentment and payment (EBPP) may receive an electronic billing activation request, wherein the electronic billing activation request comprises i) an identifier associated with a biller, ii) an identifier associated with a subscriber account at the EBPP service provider, and iii) an identifier associated with a biller account at the biller. The identifier associated with the subscriber account may not be an identifier used by an entity associated with the subscriber account to access the subscriber account at the EBPP service provider. The service provider system may process the electronic billing activation request to establish the biller as i) a payee associated with the subscriber account and ii) an electronic biller associated with the subscriber account in response to receiving the electronic billing activation request. | 02-05-2015 |
20140279691 | SYSTEMS AND METHODS FOR FINANCIAL PROPOSAL GENERATION - Systems and methods that receive personal and/or financial information associated with a customer and a proposed financial action are disclosed. Based, at least in part on the received information, and iterative analysis of the financial implications of the proposed financial action, a financial proposal is generated. The financial proposal may provide insight into one or more optimized times and/or optimized amounts for executing the proposed financial action. | 09-18-2014 |
20140279460 | ELECTRONIC BILL PAYMENT PROCESSING BASED ON PAYOR SCHEDULED DEBITS - Systems, methods, and computer-readable media are disclosed for facilitating enrollment of a payor for payor-scheduled-debit (PSD) payment processing according to which the payor may select various payment parameters such as a debit date on which debits will be posted to one or more financial accounts associated with the payor for payments made to one or more payees. A payor may be provided with the capability to schedule debits associated with payments made to one or more payees by a selecting a single debit date that precedes and/or follows various dates on which the one or more payees are credited. | 09-18-2014 |
20140279459 | ELECTRONIC BILL PAYMENT PROCESSING BASED ON PAYOR SCHEDULED DEBITS - Systems, methods, and computer-readable media are disclosed for facilitating enrollment of a payor for payor-scheduled-debit (PSD) payment processing according to which the payor may select various payment parameters such as a debit date on which debits will be posted to one or more financial accounts associated with the payor for payments made to one or more payees. A payor may be provided with the capability to schedule debits associated with payments made to one or more payees by a selecting a single debit date that precedes and/or follows various dates on which the one or more payees are credited. | 09-18-2014 |
20140279393 | ELECTRONIC LOAN PROCESSING, MANAGEMENT AND QUALITY ASSESSMENT - Systems, methods, and computer-readable media for performing various automated processing of loan documents are disclosed. The automated processing may include, for example, electronic processing of loan documents, quality assessment processing to determine an accuracy of information included in the loan documents, tracking and management processing to determine quality characteristics associated with a loan package and candidacy for consideration for delivery to one or more intended recipients, and pre-delivery and delivery processing to further confirm or reject a loan package's candidacy for delivery and to prepare the loan package for delivery. | 09-18-2014 |
20140279303 | IMAGE CAPTURE AND PROCESSING FOR FINANCIAL TRANSACTIONS - Systems, methods and computer-readable media for image capture and processing for financial transactions are disclosed. An image of a document may be received on behalf of a user. One or more text fields associated with the image may be identified. The one or more candidate financial transactions may be identified based at least in part on the identified one or more text fields. The one or more candidate financial transactions may be transmitted for presentment to the user. A selection of a candidate financial transaction may be received on behalf of the user. The image may be associated with the selection of the candidate financial transaction. | 09-18-2014 |
20140278641 | SYSTEMS AND METHODS FOR INCIDENT QUEUE ASSIGNMENT AND PRIORITIZATION - Systems, methods and computer-readable media for incident queue assignment and prioritization are disclosed. An incident handling system may receive a request for a next highest priority incident. An incident requiring resolution may be identified. The incident may be associated with an incident queue based at least in part on a queue assignment rule. The incident queue may comprise one or more incidents. The incident queue may be processed based at least in part on a prioritization rule to identify, from the one or more incidents associated with the incident queue, the next highest priority incident. The incident handling system may transmit the next highest priority incident associated with the incident queue. | 09-18-2014 |
20140259134 | SINGLE SIGN-ON PROCESSING FOR ASSOCIATED MOBILE APPLICATIONS - Systems, methods and computer-readable media are disclosed for performing single sign-on processing between associated mobile applications. The single sign-on processing may include processing to generate an interaction session between a user and a back-end server associated with a mobile application based at least in part on one or more existing interaction sessions between the user and one or more back-end servers associated with one or more other mobile applications. In order to establish an interaction session with an associated back-end server, a mobile application may leverage existing interaction sessions that have already been established in connection with the launching of other associated mobile applications. | 09-11-2014 |
20140258547 | SINGLE SIGN-ON PROCESSING FOR ASSOCIATED MOBILE APPLICATIONS - Systems, methods and computer-readable media are disclosed for performing single sign-on processing between associated mobile applications. The single sign-on processing may include processing to generate an interaction session between a user and a back-end server associated with a mobile application based at least in part on one or more existing interaction sessions between the user and one or more back-end servers associated with one or more other mobile applications. In order to establish an interaction session with an associated back-end server, a mobile application may leverage existing interaction sessions that have already been established in connection with the launching of other associated mobile applications. | 09-11-2014 |
20140258120 | SYSTEMS AND METHODS FOR DEBIT CARD ACCOUNT CONFIRMATION - Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account. | 09-11-2014 |
20140244493 | SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT INSTRUMENT REPOSITORY - Systems and methods that receive one or more images and based at least in part on the received images, identify information associated with a payment instrument. The information associated with the payment instrument may be stored in a payment instrument repository, such as an electronic wallet (eWallet), associated with a user. The eWallet may be accessed by the user to add, delete, or modify payment instruments and associated information in the eWallet. The eWallet may further be used by the use to initiate a financial transaction using one or more of the payment instruments associated with the eWallet. | 08-28-2014 |
20140244485 | SYSTEMS AND METHODS FOR REMOTE ELECTRONIC COLLECTION OF PAYMENT - Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account. | 08-28-2014 |
20140195398 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING RELATIONSHIP OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization. | 07-10-2014 |
20140188728 | SYSTEMS AND METHODS FOR PERFORMING FINANCIAL TRANSACTIONS - Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor. | 07-03-2014 |
20140188715 | SYSTEMS AND METHODS FOR BILL PAYMENT WITH IMAGE CAPTURE OF BILL INFORMATION AND FUNDING ACCOUNT - Systems and methods that receive one or more images and based at least in part on the received images identify information associated with a bill and information associated with a mode of payment and, based at least in part on the information associated with the bill and information associated with the mode of payment, effectuate a financial transaction. | 07-03-2014 |
20140114851 | Systems and Methods for Processing a Payment Coupon Image - Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon. | 04-24-2014 |
20140108239 | FACILITATING PRESENTATION OF CONTENT RELATING TO A FINANCIAL TRANSACTION - Systems, methods and computer-readable media for facilitating the presentation of content associated with a financial transaction are disclosed. The content may be identified by a requestor or a party to the financial transaction on whose behalf a request associated with the financial transaction is received. A content location identifier that identifies a location where the content is stored may be identified or generated and may be included in or otherwise provided in association with a debit or credit instruction. The content location identifier may be presented by a user interface associated with a financial institution in conjunction with other transaction information and may facilitate access to the content and presentation of the content to a user. | 04-17-2014 |
20140095392 | SYSTEMS AND METHODS FOR OPTIMIZATIONS INVOLVING INSUFFICIENT FUNDS (NSF) CONDITIONS - Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account. | 04-03-2014 |
20140067672 | SYSTEMS AND METHODS FOR PERFORMING FINANCIAL TRANSACTIONS - Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor. | 03-06-2014 |
20140067670 | SYSTEMS AND METHODS FOR PERFORMING FINANCIAL TRANSACTIONS - A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor. | 03-06-2014 |
20130226829 | SYSTEMS AND METHODS FOR MIGRATING CUSTOMERS TO ALTERNATIVE FINANCIAL PRODUCTS - Systems and methods for migrating customers to alternative financial products are provided. A set of customers of a financial institution may be identified by a financial system that includes one or more computers. Each of the customers may be eligible for a migration from a first financial product to a second financial product. A pre-migration test may be conducted for a subset of the set of customers to determine an attrition risk associated with the migration of the set of customers to the second financial product. Based upon a determination that the attrition risk is acceptable, the migration of the set of customers from the first financial product to the second financial product may be directed. | 08-29-2013 |
20130226828 | SYSTEMS AND METHODS FOR EVALUATING ALTERNATIVE FINANCIAL PRODUCTS - Systems and methods for evaluating alternative financial products are provided. A first financial product offered by a financial institution may be identified, where one or more customers of the financial institution are eligible for migration from a second financial product to the first financial product. An attrition risk associated with migration of the one or more customers to the first financial product may be determined. If the attrition risk satisfies a threshold, then migration of the one or more customers to the first financial product may be directed. Otherwise, if the attrition risk fails to satisfy the threshold, then one or more characteristics associated with the first financial product may be modified. | 08-29-2013 |
20130212013 | SYSTEMS AND METHODS FOR DETERMINING ESTIMATED LEAD TIMES - Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee. | 08-15-2013 |
20130185179 | SYSTEMS AND METHODS FOR DEPOSIT PREDICTIONS BASED UPON TEMPLATE MATCHING - Systems and methods may be provided for deposit prediction based upon template matching. The system and methods may include receiving deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts, and a respective date associated with each of the plurality deposit amounts; identifying, based upon the received deposit information, one or more deposit patterns by applying one or more template patterns to the deposit information and determining that one or more of the applied template patterns match at least a portion of the deposit information; and generating an indication of the identified one or more deposit patterns. | 07-18-2013 |
20130103577 | SYSTEMS AND METHODS FOR OPTIMIZING FINANCIAL TRANSACTIONS - Systems, methods and computer-readable media for optimizing financial transactions are disclosed. Candidate source and target financial accounts may be respectively identified based on source and target identifiers. Respective candidate source payment networks configured to access each candidate source financial account and respective candidate target payment networks configured to access each candidate target financial account may be identified. Based at least in part on an analysis of one or more rules, a set of transaction options may be generated. Each transaction option may be associated with a particular combination of source and target financial accounts and payment networks and may further be associated with one or more transaction characteristics. Respective transaction options information associated with one or more of the transaction options may be transmitted and potentially presented to a financial transaction requestor. The requestor may be provided with a capability to indicate a selection of a transaction option for processing of a financial transaction. In other scenarios, an analysis of a set of transaction options may be performed based on a complete financial transaction request that includes a transaction amount. An indication of whether the financial transaction is executable may be transmitted, potentially for presentation to a financial transaction requestor. | 04-25-2013 |
20130073386 | SYSTEMS AND METHODS FOR GENERATING FINANCIAL INSTITUTION PRODUCT OFFER PROPOSALS - Systems and methods for generating financial institution product offer proposals are provided. Historical information associated with a customer of a first financial institution may be evaluated to identify transaction information including at least one of (i) a set of one or more payments directed to a second financial institution different from the first financial institution or (ii) a set of one or more bills received from the second financial institution. Based at least in part upon an evaluation of the transaction information, a customer candidacy for an offer associated with a first financial institution product may be determined, and an offer proposal for the first financial institution product may be generated. The generated offer proposal or an offer for the first financial institution product may then be transmitted to a recipient. | 03-21-2013 |
20130066976 | Systems and Methods for Customizing Mobile Applications Based Upon User Associations with One or More Entities - Systems and methods for customizing mobile applications are provided. The systems and methods may include storing one or more computers, an identifier associated with (i) a user and (ii) an entity with whom the user is affiliated; receiving a mobile application request; facilitating delivery of a mobile application to a mobile device associated with the user; receiving the identifier; and directing a delivery of customization information for customizing the mobile application of the mobile device, the customization information associated with one or both of the user or the entity with whom the user is affiliated. | 03-14-2013 |
20130066942 | Systems and Methods for Customizing Mobile Applications Based Upon User Associations with One or More Entities - Systems and methods for customizing mobile applications are provided. The systems and methods may include a computer program product, comprising a computer-usable medium having a computer-readable program code adapted to be executed to implement a method for customizing a mobile application, said method comprising: receiving or retrieving information representative of (i) a user, and (ii) an entity that the user is affiliated with; delivering the information representative of (i) the user, and (ii) the entity that the user is affiliated with; receiving customization information associated with one or both of the user or the entity; and presenting a user interface for the user, the user interface reflecting at least a portion of the customization information. | 03-14-2013 |
20130060669 | SYSTEMS AND METHODS FOR OPTIMIZATIONS INVOLVING INSUFFICIENT FUNDS (NSF) CONDITIONS - Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account. | 03-07-2013 |
20130054452 | SYSTEMS AND METHODS FOR ACTIVATING ELECTRONIC BILL PRESENTMENT - Systems and methods for activating electronic bill presentment are provided. Payment history information associated with one or more payments made on behalf of a payor to a biller may be identified. Additionally, at least one biller-specified condition associated with automatic activation of the electronic presentment of bills of the biller for the payor may be identified. Based at least in part upon an analysis of the payment history information, a determination may be made that the at least one biller-specified condition has been satisfied, and the automatic activation of the electronic presentment of bills of biller for the payor may be facilitated. | 02-28-2013 |
20120290475 | SYSTEMS AND METHODS FOR DETERMINING ESTIMATED LEAD TIMES - Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee. | 11-15-2012 |
20120271743 | Global Risk Administration Method and System - Embodiments of a Global Risk Administration (GRA) method and system include a GRA tool that assists an institution with various decision making processes by enabling the institution to customize the GRA tool to generate decisions based on information input by the institution or a customer of the institution. In an embodiment, the institution is a financial institution (FI), and customizing the GRA tool involves an FI user assigning attribution rules using, wherein attribution rules comprise characteristics of applicants for financial accounts. The user further creates one or more decision classes using the UI, wherein one or more attribution rules place an applicant in a decision class; and the user creates business rules, wherein a business rule determines a manner in which the GRA module interprets data from the third party data sources. | 10-25-2012 |
20120245983 | Centralized Payment Method and System for Online and Offline Transactions - Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service) According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods. | 09-27-2012 |
20120166264 | SYSTEMS AND METHODS PROVIDING CUSTOMER REWARDS PROGRAMS - Systems and methods can provide customer rewards programs. Example embodiments can include a rewards program that includes: identifying a rewards program associated with a financial institution to reward a customer of the financial institution; and identifying at least one rewards rule associated with the rewards program that indicates at least one reward to be provided if multiple criteria are satisfied. Upon determining that the criteria are satisfied, a transaction can be generated to provide a reward for the customer. | 06-28-2012 |
20120150736 | PERSONAL BUDGET TOOL - Systems and methods for generating proposed budget amounts by a budget tool are provided. A budget system identifies a budget category for a user. Information associated with one or more payees of the user and payment history information associated with one or more payments made to a payee included in the one or more payees is obtained from a bill payment system. Based at least in part on the obtained information, the payee is identified by the budget system as a budget payee associated with the budget category. Based at least in part on the identified payment history information, a proposed budget amount for the budget payee is calculated. A presentation is generated that includes an indication of the budget category, an indication of the budget payee, and an indication of the proposed budget amount. The generated presentation is transmitted by the budget system for display to the user. | 06-14-2012 |
20120145578 | SECURE PREPAID CARD PACKAGE ASSEMBLY - A package assembly in accordance with an example embodiment can include a first panel having a first exterior side and a first interior side, and a second panel having a second exterior side and a second interior side. The first interior side may be arranged to face the second interior side, and the first panel can be sealed to at least a portion of the second panel to define a pocket. The pocket can be configured to be of an appropriate size to accept and conceal a prepaid card. A tear strip can be provided for accessing the prepaid card concealed in the pocket. The tear strip may be accessible from either the first exterior side or the second exterior side, and the tear strip may be completely formed within an interior portion of the one of the first panel or the second panel. | 06-14-2012 |
20120089500 | METHOD AND APPARATUS FOR DELEGATING AUTHORITY - A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network. | 04-12-2012 |
20120078813 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING RELATIONSHIP OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization. | 03-29-2012 |
20120078766 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING PRODUCT/SERVICE OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to product/service optimization. | 03-29-2012 |
20120023009 | SYSTEMS AND METHODS FOR PROCESSING CARD FULFILLMENT REQUESTS - Systems and methods for processing card fulfillment requests are provided. A card fulfillment request associated with a financial institution and including information associated with an account at the financial institution may be received, and an account identifier for the account may be identified. Information associated with one or more instant issuance requests for the financial institution that have previously been approved for fulfillment may be obtained. Based upon a comparison of the identified account identifier to one or more account identifiers associated with the instant issuance requests, a determination may be made as to whether the identified account identifier corresponds to one of the account identifiers associated with the one or more instant issuance requests. If a correspondence is found, then a determination may be made that the card fulfillment request is not to be fulfilled. Otherwise, a determination may be made that the card fulfillment request be fulfilled. | 01-26-2012 |
20110313918 | Systems and Methods for Processing a Payment Coupon Image - Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon. | 12-22-2011 |
20110313917 | Systems and Methods for Capturing and Processing Payment Coupon Information - Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller. | 12-22-2011 |
20110213707 | SYSTEMS AND METHODS FOR FACILITATING PERSON-TO-PERSON PAYMENTS - Embodiments of the invention may provide systems and methods for facilitating person-to-person payments. A payer request to pay a payee identified by a first contact identifier is received. Upon failing to locate the payee in a data repository of registered payees via the first contact identifier, the first contact identifier is utilized to transmit a registration invitation to the payee. Information associated with the request may be stored pending registration by the payee, and the invitation may include a link to a payment service provider site and an indicator of the stored information. Based upon a payee selection of the link, the indicator and identifying information for the payee other than the first contact identifier is received. The received identifying information is utilized to determine a pre-existing registration of the payee with the payment service provider, and the stored information is utilized to direct a payment to the payee. | 09-01-2011 |
20110004921 | PERSONALIZED SECURITY MANAGEMENT - Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism. | 01-06-2011 |
20100306094 | SYSTEMS, METHODS, AND APPARATUS FOR IDENTIFYING PAYEES FROM CLEARED ITEMS POSTED TO A FINANCIAL ACCOUNT - Systems, methods, and apparatus for identifying payees from cleared items posted to a financial account are provided. Information associated with one or more cleared items posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, at least one payee may be identified. A suggestion to add the identified at least one payee as one of an electronic biller of the consumer or a payee of the consumer for online payment functionality may be generated, wherein receiving an acceptance of the suggestion facilitates activation of an associated service for the consumer by a service provider. The generated suggestion may be transmitted to a network entity for presentation to the consumer. | 12-02-2010 |
20100306091 | SYSTEMS, METHODS, AND APPARATUS FOR ESTABLISHING PAYEES BASED ON CLEARED ITEMS POSTED TO A FINANCIAL ACCOUNT - Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer. | 12-02-2010 |
20100241487 | SYSTEMS AND METHODS FOR DEPOSIT PREDICTIONS BASED UPON TEMPLATE MATCHING - Systems and methods may be provided for deposit prediction based upon template matching. The system and methods may include receiving deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts, and a respective date associated with each of the plurality deposit amounts; identifying, based upon the received deposit information, one or more deposit patterns by applying one or more template patterns to the deposit information and determining that one or more of the applied template patterns match at least a portion of the deposit information; and generating an indication of the identified one or more deposit patterns. | 09-23-2010 |