31
Michael R Thomas, Elizabeth Schrag, Jimmy Wang, Jerome Rhodes: Smart chaining. Wells Fargo Bank N A, Foley & Lardner, March 7, 2017: US09589256 (4 worldwide citation)

Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine. Using the identification information, activity profile information is accessed for the account holder. The account holder' ...


32
Paul Timothy Miller, George Allen Tuvell: Cryptographic security functions based on anticipated changes in dynamic minutiae. mSignia, Haynes and Boone, January 31, 2017: US09559852 (4 worldwide citation)

Dynamic key cryptography validates mobile device users to cloud services by uniquely identifying the user's electronic device using a very wide range of hardware, firmware, and software minutiae, user secrets, and user biometric values found in or collected by the device. Processes for uniquely iden ...


33
Sabrena Boyd, Ioanis Nikolaou, Jessica Brandt, James Ashfield, Karen Choy, Eric Miller, Carrie Sumlin, Tanja Castor: Enrollment into an online banking system. Bank of America Corporation, Banner & Witcoff, Michael A Springs, May 22, 2012: US08185472 (4 worldwide citation)

A method and system employed to enroll a customer into an online banking system. In one example, a customer may submit enrollment information and may request a customer identification name and passcode. In response, an online banking profile may be created and logged into for the customer, and a dem ...


34
Matthew J Homier, Craig A Heath, Thomas E Hurlbutt, Jose M Resendiz: Methods and systems for integrated and automated financial services. Intuit, Vista IP Law Group, December 10, 2013: US08606708 (4 worldwide citation)

Systems, methods and articles of manufacture for a computerize method of providing financial management to a user by integrating financial data from a plurality of sources such as online financial services. The system analyzes the financial data from a plurality of sources together to determine fina ...


35
Silverbrook Kia, Lapstun Jacqueline Anne, Lapstun Paul: Method and system for banking. Silverbrook Res, May 8, 2002: EP1203328-A1 (4 worldwide citation)

Methods and systems are disclosed which relate to online banking via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an appropriate sensing device. The sensing device communicates with a computer system. Together, the interf ...


36
Tenni Theurer, Thomas Purves, Shilpak Mahadkar, Ayman Hammad: Third-party value added wallet features and interfaces apparatuses, methods and systems. VISA INTERNATIONAL SERVICE ASSOCIATION, Loeb & Loeb, July 18, 2017: US09710807 (3 worldwide citation)

The THIRD-PARTY VALUE ADDED WALLET FEATURES AND INTERFACES APPARATUSES, METHODS, AND SYSTEMS (“VAW”) facilitates allowing a third party service provider to integrate with an electronic wallet to provide a value-added service to a wallet consumer. The VAW may also be configured to facilitate the crea ...


37
Jon Oberheide, Douglas Song, Adam Goodman: System and method of notifying mobile devices to complete transactions. Duo Security, Jeffrey Schox, Padowithz Alce, January 10, 2017: US09544143 (3 worldwide citation)

A method including registering an authority device for an account on an auth platform; receiving transaction request from an initiator to the auth platform; messaging the authority device with the transaction request; receiving an authority agent response from the authority device to the auth platfo ...


38
Jack Dorsey, Robert Andersen, Bob Lee, Brian Grassadonia, David M Byttow, Austin Broyles: Transferring money using email. SQUARE, Perkins Coie, January 3, 2017: US09536232 (3 worldwide citation)

Method, systems, and apparatus for receiving the email message from a sender device; identifying, using data processing apparatus of a payment service system, a sender email address, a service email address, and one or more recipient email addresses from the email message; identifying, for the sende ...


39
Brian J Vetter, Patrick Turley: System, method and computer program product for generating remote views in a virtual mobile device platform. Hypori, Sprinkle IP Law Group, May 30, 2017: US09667703 (3 worldwide citation)

Embodiments disclosed herein provide a system, method, and computer program product for generating remote views in a virtual mobile device platform. In one embodiment, events from a physical mobile device are sent to a distant virtual device. The virtual device creates views based on the received ev ...


40
Stephen M Ellis, Michael J Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke: Interoperable mobile wallet refund. Wells Fargo Bank N A, Foley & Lardner, July 25, 2017: US09715689 (3 worldwide citation)

A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previousl ...