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Bill distribution or payment

Subclass of:

705 - Data processing: financial, business practice, management, or cost/price determination

705001000 - AUTOMATED ELECTRICAL FINANCIAL OR BUSINESS PRACTICE OR MANAGEMENT ARRANGEMENT

705035000 - Finance (e.g., banking, investment or credit)

705039000 - Including funds transfer or credit transaction

Patent class list (only not empty are listed)

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Entries
DocumentTitleDate
20110178923Method for electronic transaction settlement - A method implemented in an electronic communication system associated with a settlement house for settling an electronic transaction between a customer and a merchant. The communication system receives through a first electronic communication path a first account identifier of a first account associated with the customer and a transaction amount from the merchant, contacts the customer through a second electronic communication path to allow the customer to select a payment method, and sends through a third electronic communication path the transaction amount and a second account identifier of a second account associated with the customer to a financial services provider associated with the payment method.07-21-2011
20080270299WAP GATEWAY AND METHOD FOR IMPLEMENTING BILLING CONTROL ON PREPAID SUBSCRIBERS - A WAP gateway and a method for implementing billing control for prepaid subscribers include: a wireless application protocol WAP gateway interacts related information with a billing system according to different service requests of the prepaid subscriber, and collects and controls related fees according to the interacted information. The method effectively realizes real-time billing, and neatly configures a billing policy, so as to realize flexible billing based on various fee rates and satisfy requirements of the flexible billing of carriers. The method also ensures high efficiency and reliability of the billing by saving billing sessions in the gateway in a certain period of time. When a big file is downloaded, if the flow is pre-deducted and the user does not enjoy substantial service due to various abnormities, the method can roll back the flow.10-30-2008
20110184862Selecting a Device to Display Content - A method for displaying content is described. The method includes sending multimedia content to a first device and a second device for display on the first device and the second device; selecting one of the first device and the second device to display additional content based on a type of the additional content or a source of the additional content; sending the additional content to the selected device for display on the selected device.07-28-2011
20090076955Electronic device repair kits and methods of use - A method of obtaining a repair for an electronic device from a repair vendor, and an electronic device repair kit for use with the method. Use of the method and kits provides consumers with the ability to purchase repair services for a selected electronic device for a predetermined flat fee and to have the repaired device returned in a relatively short time-frame.03-19-2009
20100153266SYSTEM FOR AND METHOD OF COLLECTION OF GOVERNMENT AND EDUCATIONAL PAYMENTS, INCLUDING A CONVENIENCE FEE, USING PAYMENT CARDS - A system includes an authorization device and one or more payment servers for entering payment and payment card information and determining any issuing fees and any convenience fee for transactions paid using the two or more types of payment cards. The one or more payment servers are in electronic communication with a payment card financial network for authorizing and settling transactions entered by two or more types of payment cards. Each transaction may comprise one or more government and/or educational payments. The payment servers automatically determine the one or more convenience fees for each transaction. The authorization device allows the user to authorize the payment of the government or educational fees, any secondary fees and any convenience fees simultaneously with a single swipe or key entry of the payment card information, thereby automatically complying with payment card convenience fee requirements.06-17-2010
20100161479SYSTEMS AND METHODS FOR PREPAID ELECTRIC METERING FOR VEHICLES - A method for delivering energy to an electric vehicle is provided, wherein the electric vehicle is associated with a customer account. The method includes identifying the electric vehicle at an energy delivery point, and determining a current balance of the customer account, wherein the current balance includes at least a portion of a prepayment amount based on a predetermined amount of energy to be delivered to the electric vehicle at the energy delivery point. The method also includes delivering energy to the electric vehicle, metering an actual amount of energy delivered to the electric vehicle, and determining a transaction amount based on the actual amount of energy delivered to the electric vehicle at the energy delivery point.06-24-2010
20110196786DETERMINING TRUSTWORTHINESS AND FAMILIARITY OF USERS OF AN ELECTRONIC BILLING AND PAYMENT SYSTEM - Enhanced systems and methods for processing invoices, payments, and money transfers are described. One aspect of the invention is a computer-implemented method (and corresponding system and computer program product) for determining trustworthiness and familiarity of entities for a billing and payment system, the method comprising: categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system: (1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities; re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and treating the entities of different categories differently according to their categories.08-11-2011
20110202458BILL AVAILABILITY NOTIFICATION AND BILLING INFORMATION REQUEST - Systems and methods for presenting billing information are provided. A notice may be transmitted via a network by a bill presentment service provider system comprising one or more computers. The notice may be transmitted in accordance with an e-mail protocol, and the notice may indicate availability of billing information via a bill present service provider system. Subsequent to transmitting the notice, a request for the billing information may be received by the bill presentment service provider system via the second protocol. The request may be received responsive to a selection of the hyper-link. Responsive to receiving the request, at least a portion of the billing information may be transmitted by the bill presentment service provider system via the network.08-18-2011
20120179606SYSTEMS AND METHODS FOR PROVIDING SECURE DOCUMENT DELIVERY AND MANAGEMENT INCLUDING SCHEDULING - Systems and methods for integrated management and scheduling of events associated with both physical and digital mail are provided. A print stream processor utilizes recipient preferences to determine that a mail piece should be delivered by physical mail. The server then processes the mail piece print stream to extract time sensitive data such as a payment amount and due date. The server utilizes the identity of the physical mail piece recipient and the time sensitive data to provide a scheduling message to the recipient. Here, the scheduling message includes injecting a calendar entry to a centralized mail management system having an account for the recipient. Additionally, reminder messages are provided to the recipient based upon recipient and/or sender preferences. Similarly, entries relating to physical coupons or other offers sent to the recipient are placed on the recipient's calendar including offer deadline entries.07-12-2012
20130085937Methods and Apparatus for Allocating Funds Based on Payment Obligations - Methods and apparatus for allocating funds based on payment obligations are disclosed. In response to a transaction on an account, transaction data for the transaction is compared to one or more transaction rules to determine if a payment obligation is applicable to the transaction. In some embodiments, the transaction rules provide an algorithmic representation of an agreement between a transaction recipient and one or more parties of the agreement. Responsive to determining that the payment obligation is applicable to the transaction, an allocation of funds based on the algorithmic representation of the agreement between the transaction recipient and the one or more parties of the agreement, is calculated. A record of the allocation of funds is stored on a storage device.04-04-2013
20130085934PATENT CONTINUATION ANALYSIS - Various embodiments of the present disclosure include systems and methods for rating a patent continuation case by comparing the patent continuation case with a priority or parent patent case of the patent continuation case. Comparison elements are used in an embodiment with automatic comparison.04-04-2013
20130085935SYSTEMS AND METHODS FOR MOBILE IMAGE CAPTURE AND REMITTANCE PROCESSING - Systems and methods are provided for capturing and processing images of remittance coupons using a mobile device and obtaining data from the captured image which is used to set up or carry out payment of a bill that corresponds to the remittance coupon. Optimization and enhancement of image capture and image processing are provided on the mobile device to improve the initial quality of the captured image and provide a user with real time feedback. The image is then sent from the mobile device to a remote server, where additional image processing is performed to improve the quality of the image and then extract data from the image that is relevant to paying the bill. The extracted data may be verified through comparisons with databases which store information on billers, bill formats and other relevant content that will appear on the bill.04-04-2013
20130085933PATENT REGISTRY ARCHITECTURE WITH PORTAL FOR EXTERNAL ANNUITY PAYMENT SERVICE PROVIDERS - Various embodiments of the present disclosure include systems and methods for managing patent annuity fee payments. One method comprises using one or more processors to provide a registry of patent matters comprising, at least, a listing of patent matters representing all patent matters registered at a national patent office for which respective patent annuity fees are payable. The method further includes registering customers of the registry as registered users of the registry, and allowing at least one registered user of the registry to tag one or more patent matters in the registry listing for payment of patent annuity fees. In one embodiment, a registry portal allows an external annuity payment service provider to communicate electronically with the registry and tag patent matters on behalf of its clients.04-04-2013
20130085932TRACING DOMAIN NAME HISTORY WITHIN A REGISTRATION VIA A WHOWAS SERVICE - A system, method, and computer-readable medium, is described that implements a repository object history (“WhoWas”) service that receives a WhoWas query to retrieve historical information about a repository object's change history, including a domain's registration activity. The WhoWas service searches repository object history information, formats it, and returns the results. The WhoWas service may be restricted to authorized users and may charge a fee for use. The service may also perform statistical data gathering based on historical WhoWas information, including on subsets of domains based on particular domain characteristics. In addition, historic IP address information and location information may be gathered and returned.04-04-2013
20130085931SOCIAL PROXIMITY PAYMENTS - An application or App on a payer's mobile device is used to discover people known to the user and who are in close proximity to the user at the time of a payment request. Discovery can be through searching contact lists and/or social networks of the payer and/or through the payer device discovering contacts around the payer and then searching the payer's contact or social network list to see if there are any matches. These people are then shown to the user on the user device, such as with a photo, icon, name, and/or email address. The user selects desired ones, which causes requests to be sent to the selected people, such as through text, voice, or email, to the respective devices. The selected people can then easily confirm or authorize a payment be sent to the user or to a payee.04-04-2013
20100114763METHODS AND SYSTEMS FOR PROVIDING CASH ALTERNATIVE DEBITING AND ACCOUNTING FUNCTIONS FROM ASSOCIATED CASH AND CREDIT, OR CREDIT, ACCOUNTS - The present invention provides cash using alternative debiting and accounting functions from associated cash and credit, or “crebit”, accounts that allow flexibility and control by the end user for providing cash and then providing alternative debiting and accounting of such withdrawal or multiple withdrawals using alternative debiting and accounting functions from the associated cash and credit “crebit” accounts, that further provide opportunities for the account provider or financial institution to have additional income from providing such methods and systems.05-06-2010
20130080320Customer assistance system - In accordance with embodiments of the present disclosure, an apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may be configured to receive, via a user interface at the remote electronic device and the network interface, credentials for identifying a customer, and to display to the user interface a notification that the customer owes a past-due amount on at least one loan account. The processor may also be configured to display to the user interface a plurality of options regarding the account. The processor may further be configured to receive via the user interface and the network interface, a selected option from the plurality of options.03-28-2013
20100036769ACCOUNT HOLDER DEMAND ACCOUNT UPDATE - Account holder identification is used to access and retrieve the account holder's accounts and attributes thereof. A user interface receives a selected account for which merchants having conducted transactions on the selected account are retrieved and displayed on the user interface. The account holder selects which merchants are to receive updated attributes of the selected account, such as a new expiration, a new billing address, a new credit limit, a name change of the account holder, etc. Each user selected merchant is notified of the user selected attributes of the user selected account02-11-2010
20130085936SECURE BILLING SYSTEM AND METHOD FOR A MOBILE DEVICE - A system and method are provided for scheduling the payments of bills. An authorization server is provided to be in communication with one or more payment servers and a mobile device. The authorization server receives bills from a billing account, and each of the payment servers can make payments to the billing account. A mobile billing manager, residing on at least the mobile device, detects a new bill and then displays a graphical user interface (GUI) on the mobile device. Through the GUI, selection inputs are received, the selection inputs being associated with paying a first amount at a first date from a first payment account. Based on the payment schedule, the mobile billing manager, through the authorization server, instructs the payment server to make payments.04-04-2013
20130036046Payment Platform for Online Service Providers - Payment providers interact with an online service provider using a standard interface provided by the online service provider for different payment providers. A payment provider can invoke the interface of the online service provider to add credits for a user of the online service provider. The online service provider allows users to make purchases using credits. The online service provider authorizes purchases made by the user based on credits available for the user or based on a history of payments from the user. The online service provider sends an invoice based on the purchases to the payment provider. The payment provider can be any system that can invoke the interface provided by the online service provider. For example, the payment provider can be a financial institution, another user, or a business that provides credits to the user for performing actions that benefit the business.02-07-2013
20130103580SYSTEMS AND METHODS FOR HOUSEHOLD CASH MANAGEMENT SYSTEM - To address the challenges of managing the cash flow of a household, the present solution provides for an efficient and automated cash flow management tool. In an industrialized market where households incur and manage dozens of bills and expenses, the systems and methods of the Cash Flow Management system (“CFM”) of the present solution enables households to seamlessly and efficiently plan their budget, pay their bills, enforce their expense budget, save for custom planned goals and realize their financial plans all from one account. The methodology of the CFM allows a household to holistically plan, execute, manage and track in real-time their cash flow across pay, spend and save sub-accounts within the same financial or bank account.04-25-2013
20130212013SYSTEMS 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
20130212010PAYMENT ENTITY DEVICE TRANSACTION PROCESSING USING MULTIPLE PAYMENT METHODS - A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method of payment for an account payable of the accounts payable data file in accordance with a payables profile. The method continues with the payment entity device initiating a first type of payment for the account payable when the method of payment is a first type; initiating a second type of payment for the account payable, when the method of payment is a second type, or initiating a third type of payment for the account payable when the method of payment is a third type.08-15-2013
20090076954METHOD AND SYSTEM FOR SETTLING FINANCIAL TRANSACTIONS - A computer-implemented method of facilitating a financial settlement between a multiple users through a fund transfer system is disclosed. The method includes providing a first user with an interface for receiving an instruction to settle, at least in part, a financial obligation to a second user wherein the first user is a registered user of a fund transfer system. A plurality of payment modes suitable for different payment processing are also provided. The instruction is received from the first user wherein and includes an identifier of the second user, financial obligation information, and a payment format suitable for the second user. The value to settle is determined and transferred to the second user.03-19-2009
20130041816PAYMENT SYSTEMS AND METHODS FOR ACCELERATING DEBT PAYOFF AND REDUCING INTEREST EXPENSE - The electronic payment systems and methods of the present disclosure accelerate debt payoff and reduce interest expense. A method of operating an electronic payment system includes storing funding source information in a database, storing funding schedule information, which includes funding schedule type, corresponding to the funding source information in the database, and allocating an available funding amount from at least one funding source to a plurality of recurring payment accounts based upon the funding source information, the funding schedule information, and recurring payment account information. A method of enrolling at least one client in an electronic payment system includes receiving client information, which includes funding source information and payment account information, selecting a regular funding cycle, determining a regular funding amount, determining a plurality of potential funding profiles based upon the client information, and selecting at least one funding profile from the plurality of potential funding profiles.02-14-2013
20130041815SYSTEM AND METHOD FOR FINANCING PURCHASES OF CONSUMABLES, INCLUDING HEATING OIL OR PROPANE - A system operable to monitor the consumption of a commodity at the premises of a consumer may comprise a billing system interfacing with suppliers and retailers of the commodity to facilitate the purchase and distribution of the commodity. The billing system may include a payment structure that can alleviate the burden of consumers having to pay for an entire delivery of the commodity—the consumer is only responsible for paying for the amount actually consumed during a time period at a prevailing price during that time—as well as significantly reduce a retailer's working capital required to float the purchase of the commodity before it is paid by its consumers. Such a billing system and payment structure may eliminate or reduce the need for a retailer to borrow against receivables to pay for such purchases.02-14-2013
20100042540Bill Payment Card Method and System - The invention is directed to a system and method for managing a payment system. The method generally comprises activating a payment card, associating a value with the payment card, associating at least one third party with the bill payment card, receiving a request from a bill payment card user to transfer at least some of the value to a selected third party, the request comprising receiving an identifier associated with the payment card and receiving an indication of an amount of value to transfer, and transferring at least some of the value to the selected third party. Systems of the invention may generally comprise one or more payment cards, a database storing a plurality of records comprising information related to the payment card; one or more communication devices; and a processor in communication with the database and in selective communication with the communication device.02-18-2010
20100042539Money Movement Network Hub System - Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.02-18-2010
20100042538Money Movement Network Method - Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.02-18-2010
20100042537ELECTRONIC BILL PAYMENT WITH VARIABLE PAYMENT OPTIONS - A system for third party bill payment services is provided. CONFORM TO BROAD CLAIM02-18-2010
20090157545FACILITATING THE OWNERSHIP OF SOLAR-POWERED ELECTRICITY-GENERATING SYSTEMS - Methods of facilitating a party's purchase of an electricity-generating solar power system are disclosed. The methods may comprise entering into, by the lender, an agreement with the party whereby, in exchange for a payment amount paid by the lender to a seller of the solar power system, the lender owns and is to sell up to 100% of the electricity generated by the party's solar power system after installation for a contract time period defined by the agreement. The methods may also comprise paying, by the lender, the payment amount to the seller for the solar power system. The contract time period may extend, for example, until sales of the electricity by the lender after installation generate an aggregate payment amount that meets or exceeds a specified level. The contract time period or unit quantity might also be fixed. The lender may also receive renewable energy certificates and any other environmental attributes from the party.06-18-2009
20100161485MONEY TRANSFER SYSTEMS AND METHODS - The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.06-24-2010
20100161484Methods, Apparatus and Computer Program Products for Interfacing Automatic Bill Payment Systems with Card Issuer Database Systems - An interface for interfacing a merchant processor with a card issuer database receives a merchant profile including transaction request data elements and stores the merchant profile in a global merchant database. A request for data corresponding to at least one element of the merchant profile is transmitted to a merchant system and/or a cardmember database. Data corresponding to the merchant profile is received from the merchant system and/or the cardmember database and stored in the global merchant database. A marketing system is notified that at least one record associated with the merchant profile is stored in the global merchant database.06-24-2010
20100161483SYSTEMS AND METHODS FOR CHARGING AN ELECTRIC VEHICLE USING BROADBAND OVER POWERLINES - A method for delivering energy to an electric vehicle includes coupling the electric vehicle to an energy delivery point via a connector, receiving a unique identifier of the electric vehicle via the connector, determining an account associated with the identifier, delivering an amount of energy to the electric vehicle via the connector, and determining a transaction amount based on the amount of energy delivered to the electric vehicle by the energy delivery point.06-24-2010
20100161481SYSTEM AND METHOD FOR ELECTRIC VEHICLE CHARGING AND BILLING USING A WIRELESS VEHICLE COMMUNCIATION SERVICE - A vehicle charging station for use in transmitting charging power to an electric vehicle for use in charging the vehicle is configured to communicatively couple to the electric vehicle via a network connection to a wireless network provider and electrically couple to the electric vehicle via a connector. Vehicle charging station is further configured to receive a unique identifier from the electric vehicle via the network connection, deliver a quantity of electrical charging power to the electric vehicle via the connector, and meter the quantity of electrical charging power delivered to the electric vehicle06-24-2010
20100106641Using one-way communications in a market-based resource allocation system - Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. In one exemplary embodiment, a plurality of requests for electricity are received from a plurality of end-use consumers. The requests indicate a requested quantity of electricity and a consumer-requested index value indicative of a maximum price a respective end-use consumer will pay for the requested quantity of electricity. A plurality of offers for supplying electricity are received from a plurality of resource suppliers. The offers indicate an offered quantity of electricity and a supplier-requested index value indicative of a minimum price for which a respective supplier will produce the offered quantity of electricity. A dispatched index value is computed at which electricity is to be supplied based at least in part on the consumer-requested index values and the supplier-requested index values.04-29-2010
20100106640Method and system for delivering and accessing files - A method and system for delivering and accessing files. The method and system may include the generation of a file for a first party by a second party. The file may be encoded in a machine readable format and may be may have its availability made known to the first party. The first party may then provide a payment to the second party via the web portal that allows them access to the document.04-29-2010
20130046686PAYMENT PROCESSING SYSTEM AND METHOD - A system, method and stored program for processing payments and other financial transactions. The payment processing system of the present invention includes an input device for capturing information relevant to a customer's transaction (for example, credit card information) and storing that information securely associated with the customer. When it is determined that the customer owes a balance (for example, after an insurance company or other third party payor pays a portion of the customer's insurance claim), the balance remaining due is then calculated and submitted as a new financial transaction, using the stored information associated with the customer, e.g., in a new credit card charge, without having placed a hold on those funds as apart of an earlier transaction.02-21-2013
20130046687UNDERBANKED AND UNBANKED METHOD AND MODULE - An underbanked and unbanked method and module associated with a financial institution to effect generating cash funds from a check, loading these cash funds onto a general purpose reloadable prepaid card, and using these cash funds to facilitate cash to cash money transfers and bill payments for banking customers regardless of whether the customer is a deposit or non-deposit customer of the financial institution. The underbanked and unbanked module can include a check cashing module, a reloadable debit card system, a money remittance system and a bill payment system that are integrated with each other. The customer may use the funds dispensed from the underbanked and unbanked module to obtain cash, load a reloadable debit card, pay for purchases, pay bills, obtain a money order and/or to facilitate cash to cash money transfers.02-21-2013
20130046688PURCHASING ALERT METHODS AND APPARATUS - Systems and techniques for receiving transaction information at an authentication system. The transaction information may be processed using different rule sets, based on the financial instrument used for the transaction (for example, a particular credit card, debit card, bank account, brokerage account, and the like). One or more alerts may be generated and communicated to the user. The alerts may be formatted based on user device configuration information, such as a cell phone type, email type, and the like.02-21-2013
20130030996SYSTEMS AND METHODS FOR BILL PAY WITH CREDIT CARD FUNDING - An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing.01-31-2013
20130030995Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.01-31-2013
20130030994BUDGET MONITOR, ALERT, AND BILL PAYMENT FACILITATION SYSTEM - A budget monitoring, alerting and bill payment facilitation system retrieves macro-budgeting information associated with a user, where the macro-budgeting information includes a plurality of budget categories each having an associated budget amount corresponding to a macro time period, divides the budget amount corresponding to the macro time period into a plurality of micro budget amounts corresponding to a plurality of micro time periods, and presents, to the user by a mobile device, micro-budgeting information corresponding to at least one of the plurality of micro budget amounts or its corresponding micro time period. In some embodiments, the system retrieves user data, determines the user may be experiencing a life event based on the user data, where the micro-budgeting information is based on the determination that the user may be experiencing a life event, and confirms that the user is experiencing a life event.01-31-2013
20090043701FINANCIAL ACCOUNT MANAGEMENT - An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.02-12-2009
20090319421Method and Apparatus for Performing Financial Transactions - A system for processing invoices using a network and involving a vendor, a payer, a partner bank, a payer bank and a vendor bank is disclosed. A unique code assigned to records related to an invoice is also disclosed. The system contains a profile of participants. The system also applies engines that facilitate processing of invoice transactions and that can assist in providing notifications of changed status. Messages that may be used in the system for processing an invoice are also provided.12-24-2009
20120191603LOCATION-BASED AUTOMATIC PAYMENT SYSTEM - A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.07-26-2012
20120191602Automated Budget Management, Multiple Payment, and Payment Authority Management - A direct debit authority management system facilitates bill payments involving a customer, a bank or financial body, and multiple billers who each bill the customer. A customer service module enables a customer to create or modify direct debit authorities for the billers. A customer registration process is facilitated by the interface to capture information for multiple billers and to establish a direct debit authority for each biller before a bill is rendered by the respective biller. A repository stores customer direct debit authorities for multiple billers, storing customer information following the customer registration process and storing biller information following the biller registration process. The system links a customer with a biller through the direct debit authority and allows a biller to draw funds from a customer based on the stored direct debit authority.07-26-2012
20120191601IMAGE PROCESSING SYSTEM, IMAGE PROCESSING DEVICE, BILLING PROCESSING METHOD AND COMPUTER READABLE RECORDING MEDIUM - An image processing system includes an image processing device executing a job and a billing server performing billing process in response to execution of the job connected through a network. The billing server includes: a remaining amount management part for managing a remaining amount of each user's available funds; and a savings amount transmission part for determining a savings amount in the image processing device based on a user's available funds and sending the determined savings amount to the image processing device. The image processing device includes: a savings amount storage part for storing therein the savings amount in accordance with the user; a job execution part for executing a job with an instruction by the user; and a billing processing part for performing billing process to charge to the user in response to execution of the job.07-26-2012
20130073455ELECTRONIC BILL PRESENTATION AND PAYMENT METHOD AND SYSTEM - A comprehensive electronic bill presentment and payment system and method is described. Bills can be received by the system, in any electronic format. Bills can also be received by the system through conventional paper-based channels. Paper bills are scanned and information is extracted from the scanned bill images using OCR techniques. Bill payments can be issued using either electronic or paper-based methods. A single electronic bill presentment and payment interface is provided which shields the user from evolving billing practices.03-21-2013
20130073457AGENT ACCESS PORTAL TO MONEY TRANSFER SYSTEM - A method for operating a computer-based processing system to provide money transfer services though user interfaces including agent portals. A plurality of user-specific and/or terminal-specific profiles including money transfer-related services available to a user and/or terminal are stored. Requests to provide money transfer-related services are received from a plurality of terminals operated by users at locations. Profiles associated with the one or more of the users operating the terminals and the locations of the terminals from which the money transfer-related service requests are received are determined. Portals including tabs linking to available money transfer-related services associated with the determined profiles are provided.03-21-2013
20130073456SERVICE PROVISION SYSTEM INCLUDING PLURALITY OF SUBSYSTEMS FOR PROVIDING THE SAME SERVICE, AND SERVICE PROVISION METHOD - A subsystem of a first kind includes a first fee table receiving portion for receiving a first fee table, a user-restricted provision portion for providing a service, and an uncollected history record transmitting portion to transmit to a summation server an uncollected history record including a history record of providing a service. A subsystem of a second kind includes a post-collection provision portion for providing a service if a fee defined by a second fee table is collected, a collected history record transmitting portion to transmit to the summation server a collected history record including a history record of providing a service, a proxy provision portion for providing a service before a fee for the service is collected, and a switch control portion for comparing the first fee table with the second fee table and allowing the post-collection provision portion or the proxy provision portion to provide a service.03-21-2013
20130060685SYSTEM AND METHOD FOR RECRUITING BRAINS USING SOCIAL NETWORK SERVICE - A brain recruiting method using a social network service according to the present invention comprises the steps of: registering a job announcement while a hiring manager logs in a social network through a user interface, the social network being connected and interacting with an application server through an Internet; transmitting the registered job announcement to at least one or more acquaintances on the social network of the hiring manager; and transmitting, by any one user or two or more users among the acquaintances receiving the job announcement, the job announcement to at least one or more acquaintances among acquaintances of the users through their user interfaces.03-07-2013
20130060684CONVERTING PAPER INVOICE TO ELECTRONIC FORM FOR PROCESSING OF ELECTRONIC PAYMENT THEREOF - Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of an invoice associated with a user of the device and a payee, sending the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, accessing accounts associated with the user of the device, accessing the electronic form of the invoice, and authorizing payment of the invoice, including authorizing electronic transfer of money from at least one of the accounts to the payee. The method can further include receiving a list of payees, selecting the payee from the list of payees, and sending the selection of the payee to the online accounting system, wherein the online accounting system links the payee to the invoice.03-07-2013
20130060683SYSTEM AND METHOD FOR ASSISTING VENDORS - A service system for facilitating payment to a vendor of products over a network. The products are supplied to a buyer. The system includes an invoice having a base invoice amount with an amount of penalty funds calculated from the base invoice amount when the invoice is not paid in a timely manner. An application is submitted to an investor via the network for enrolling the vendor in the service system. At least one installment is disbursed from the buyer and received by the investor over the network. At least one payment is disbursed from the investor and received by the vendor over the network wherein the payment is equal to the base invoice amount thereby allowing the vendor to receive 100% of said base invoice amount.03-07-2013
20090076953ATM/Debit Expedited Bill Payments - Methods and systems for paying a bill over a financial network are provided. Embodiments of the invention include receiving a payment request at an initiator from a consumer. The payment request may be sent to a financial network. Biller routing information for the biller specified in the payment request is determined at the financial network, at the initiator or at a payment processor. The payment request may be sent to a payment processor using biller routing information. A confirmation message may then be sent to the initiator through the financial network. The initiator may then present the approval or denial message directly to the consumer while the consumer is still in the same session with the initiator. The bill may then be settled between the initiator and the payment processor when the financial network receives the confirmation message that includes an approval message.03-19-2009
20120226607SYSTEM AND METHOD FOR SELECTABLE FUNDING OF ELECTRONIC TRANSACTIONS - A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by scheduling the payments and selecting sources for funds. A rules-based optimizer may automatically select the least-cost or other most efficient or desirable transaction, given the customer's available funds, types of funds and payment date. All payment providers and payees may manipulated using one seamless view. A customer service representative may also view the transfers.09-06-2012
20120226606Method and system for protecting domain names - A method and system for protecting domain names. A permanent registration certificate for providing a permanent registration of a domain name can be issued. The permanent registration certificate provides a permanent registration of a domain name including perpetually determining, paying and verifying current and future renewal fees for the domain name at a public domain name registrar. A permanent web-site accessible via the Internet and associated with a domain name registration from an issued permanent registration certificate is perpetually hosted. The method and system help prevent a domain name owner from ever losing valuable domain name rights, reduce the burden and administrative overhead placed on domain name owners and more fully utilize existing and new rights associated with a domain name registration.09-06-2012
20090030837BILLING BASED ON THE TYPE OF PRINTED DOCUMENT - Techniques are provided for billing a customer for printing services based on the type of document printed. Types of documents may include business cards, books, postcards, photographs, marketing materials, word processing documents, etc. Thus, for example, each photograph is billed at a different rate than each business card.01-29-2009
20130066774METHOD AND SYSTEM FOR WORKING CAPITAL MANAGEMENT - In accordance with aspects of the disclosure, a system and methods are provided for managing working capital by scheduling payments to be paid for accounts payable based on payments received for accounts receivable relative to one or more time intervals while maintaining a predetermined working capital reserve threshold. The systems and methods may include calculating accounts receivable patterns for each customer to determine a confidence level in receiving payments from each customer within the one or more time intervals, generating one or more potential payment schemes for each vendor, and generating a payment schedule for accounts payable for each vendor within the one or more time intervals based on the determined confidence level for each customer and the one or more potential payment schemes for each vendor while maintaining the predetermined working capital reserve threshold.03-14-2013
20130066773INTELLIGENT ADMINISTRATION SYSTEM FOR PAYING ELECTRIC BILL - An intelligent administration system for paying electricity bills mainly includes a monitoring device for monitoring the actual meter readings that indicate the electricity consumption of an electricity consuming system and a management platform connected to the monitoring device via a network system. Accordingly, the intelligent administration system for paying electricity bills of the present invention allows real-time monitoring of the electricity consuming system, provides remote value-adding and payments, and allows the administrator to adjust electricity charging standard according to the fluctuations in tariff, achieving a fair payment mechanism.03-14-2013
20130066775APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DATA CLEANSING AND/OR BILLER SCRUBBING - A dropped payment file is obtained at a computing device of an operator of an electronic funds transfer bill payment system from a client of such system. The dropped payment file includes data associated with at least one unsuccessful attempt to match payment data to a corresponding biller. The data in the dropped payment file is cleaned to create an updated dropped payment file. Matching logic is applied to the updated dropped payment file to identify at least one recommended biller to which the payment data should likely have been routed to. The client is advised of the at least one recommended biller.03-14-2013
20110022515Mobile payment system - A mobile payment system is disclosed for processing payments authorized by mobile devices (“mobile payments”) that is configured to process mobile payment authorizations that are directed to an electronic lock box. The mobile payment authorizations are processed by way of electronic funds transfer and cleared, for example, by way of an automated electronic funds clearing network, such as the Automated Clearing House (ACH). In accordance with an important aspect of the invention, the mobile payment system also processes returns for payments that cannot be cleared. The mobile payment system may be configured to provide advance notification of billing deadlines to payees, e.g., mobile clients, by way of an SMS (Small Message System) message and enable consumers to authorize payment in the same fashion. In addition to facilitating payment by the consumer, the system in accordance with the present invention significantly the “float time” and makes funds available to the merchant in a relatively shorter period of time than known mobile payment systems, once payment authorization is received from the consumer.01-27-2011
20120116963Invoicing and electronic billing system and method - Systems, methods, and computer program products are provided for invoicing and electronic billing. Methods include receiving invoicing data from a merchant, identifying a user based on the invoice data, receiving payment instructions from the user, where the payment instructions include an alias, and determining that the merchant is a registered payment recipient based on the alias. In specific embodiments, the invoice data is converted into an electronic bill, and the electronic bill is sent to the user.05-10-2012
20100005024System and Method for Enrolling Individuals in an Automated Payment Plan - A system and method for enrolling check-writing customers in an automated payment program for paying recurring bills from a merchant with a financial presentation device (FPD) such as a debit or credit card instead of a check. An enrollment module receives a list of target customers that pay recurring bills by paper checks. An enrollment form is then sent out to the targeted customers. The enrollment form preferably requires minimal effort by the customer, for instance, requiring only a signature. Responsive to the enrollment forms that have been returned by the targeted customers which signify their desire to enroll in the automated payment program, the enrollment module receives a list of such customers. Based on the received list of customers, the enrollment module generates enrollment information which is sufficient to enable the merchant to enroll the customers in the automated payment program.01-07-2010
20090144196METHOD AND SYSTEM FOR PAYMENT OF PERMIT MAIL - A system and method that allows mailers of all sizes to pay for permit mail without presenting cash or a check at the time of induction is provided. A permit payment aggregator establishes a master account with the postal system for the payment of permit mail. A plurality of mailers each establish a separate account with the permit payment aggregator and transfer control of payment of mail inducted under their respective permit imprints to the permit payment aggregator. When the mailer desires to send a mailing, a request for payment of postage is made to the permit payment aggregator, which processes the information related to the mailing. The induction site communicates with the permit payment aggregator and the mailing as presented is compared with the information processed by the permit payment aggregator. If the mailing is accepted, the master account is debited for payment.06-04-2009
20090248577Automatic Payment and/or Registration of Traffic Related Fees - The present invention relates to a method for automatic payment of traffic related fees, such as parking fees and road taxes, for a vehicle, the method comprising the steps of determining the position of the vehicle to be parked, said determining of the position of the vehicle applying information from a first position determining system and a network-based position correction system, determining the time the vehicle has been parked, and completing a payment transaction using a data link between the vehicle and a server, the payment transaction being completed in accordance with the determined position and the parking time of the vehicle. The present invention also relates to a device for carrying out the method.10-01-2009
20080294553Reserve account mortgage method and system - A method and system are provided to resolve financial problems and/or discretionary financial decisions by mortgagors and other borrowers. If a mortgage is current, then any extra money received from the mortgagor is automatically credited to a reserve account, which pays down the mortgage principal. If a mortgage payment is due but has not been paid or is only partially paid, then whatever money is needed for the mortgage payment is automatically deducted from the reserve account and applied toward the mortgage payment, thereby increasing the loan principal. As a limit, if the reserve account is depleted, the lender may commence conventional foreclosure procedures. The method and system can similarly be applied to other types of loans.11-27-2008
20080294552Centralized Affiliated Marketplace Networks and Associated Methods - A centralized marketplace for efficient and streamlined third party listings, including advertisements, to be placed within networks of marketplaces. An automated backend coordinates the submission of listing transactions, including the collection of fees, timings of display of listings, etc., as well as providing a platform to organize networks. Network organization may occur with user intervention or automatically by the automated backend by specifying a predetermined set of criteria. Each marketplace or marketplace network may facilitate the placement of listings in affiliated marketplaces and similarly receive listings from affiliates for a fee or free.11-27-2008
20110106696Systems, Methods and Computer Program Products for Payment Processing - Systems, methods and computer program products are provided for payment processing and employee compensation disbursement. Employee compensation is determined and disbursed into virtual accounts associated with corresponding employees, so as to avoid costs associated with traditional check distribution. Employees are provided with a means for accessing funds stored in their virtual accounts and utilizing such funds in a variety of possible manners, where employers are provided with the benefit of the float on the employee compensation funds until the funds are actually retrieved by the employees from their virtual accounts. Incentives are also provided for employees to use funds in their virtual accounts to purchase products, merchandise and/or services back from the employer company, so that the company employer further benefits from increased sales and the ability to retain funds allocated to virtual accounts.05-05-2011
20120191600METHOD AND SYSTEM FOR PAYMENT OF CHARGES ASSOCIATED WITH CHARGING AN ELECTRIC VEHICLE - Embodiments of the invention described herein use micropayments to make the payment for electrical consumption used to charge an EV. In one aspect, a mobile device such as a cellular telephone (“cell phone”) is used to make the payments. In one aspect, a method of payment for charges associated with charging an electric vehicle is described. This embodiment of a method comprises receiving electrical consumption information related to charging an electric vehicle at a charging station. The electrical consumption information is associated with a mobile device number. The electrical consumption information is authenticated. The cost for the authenticated electrical consumption information is included on an invoice for mobile device usage associated with the mobile device number.07-26-2012
20120191599ON-LINE CONTENT DISTRIBUTION SYSTEM - An on-line content distribution system comprises a number of user terminals operable to enable a user to generate a request for a media file and associate the request with status data indicative of either a first status or a second status. An account database responds to receipt of a request from a user terminal to update account data, based on status data associated with the request. A content database stores media files and is configured to transmit data corresponding to the media file identified in a request by a user. The transmitted data may be formatted to inhibit the utilization of the transmitted media file more than a predetermined number of times without updating the account database. If the download request includes certain status data, it may permit utilization of the transmitted media file more than a predetermined number of times without updating the account database.07-26-2012
20130024369SYSTEMS AND METHODS RELATING TO DONATIONS - Systems and methods associated with making and acquiring donations (e.g., monetary gifts) utilizing communication links within a network (e.g., the Internet), an electronic platform (including a website), and the computer systems of parties to the system are provided. Pledges and/or donations and/or funds can be transmitted from one party to another. The pledges and/or donations may be contingent upon certain terms or conditions being met.01-24-2013
20130024368TRANSACTION PROCESSING SYSTEM - Customers may give different merchants card information for purchasing products or services. The merchants may send the card information to a payment gateway or bank that confirms the card information and the amounts associated with the purchases. At least some of the same card information may be sent to a data provider. The data provider may generate transaction data that combines the card information with card information for other purchases from other merchants. Other performance metrics may be generated by comparing the transaction data with other information related to the customers, merchants, or products. Transaction processing and tracking is simplified since some of the same card information used for purchasing products or services can also be used for generating the transaction data.01-24-2013
20130024367SYSTEM AND METHOD FOR SWITCHING OF FINANCIAL ACCOUNTS BETWEEN FINANCIAL INSTITUTIONS - A method may include receiving documentation that authorizes changing an automatic payment method of at least one biller account of a user from an old payment method to a new payment method; retrieving payment transaction details of the at least one biller account from the user; generating a switch schedule for the at least biller account based on the payment transaction details, the switch schedule including a date when the new payment method for the at least one biller account takes effect; and transmitting a notification to a biller of the at least one biller account, the notification requesting a transfer to the new payment method.01-24-2013
20130024365Fee-Based Communications - A computer-implemented method includes receiving, by a computer system, a service request; identifying by the computer system a type of the service request; retrieving, by the computer system, a mapping specifying one or more fee amounts to be charged for a plurality of types of service requests and one or more types of service providers qualified to respond to the plurality of types of service requests; retrieving, based the identified type of service request and the mapping, a fee amount for the service request and a type of service provider qualified to respond to the service request; and processing payment information for the determined fee amount.01-24-2013
20080243686Service soft-disconnect reconnection - A service soft disconnection may be provided. First, a first user interface screen may be provided: i) in response to determining that a payment has not been received for a service after a date for which an account holder responsible for the service has been sent a disconnection notice; and ii) in response to receiving a user initiated request for the service. Next, identification data may be received in response to the provided first user interface screen. Then the identification data may be determined to be valid. In response to determining that the identification data is valid, a second user interface screen may be provided. Payment data may then be received in response to the provided second user interface screen. Consequently, the payment data may be determined to be valid and the service may be reinstated in response to determining that the payment data is valid.10-02-2008
20110264583INTER-NETWORK INVOICING PAYMENT METHOD AND SYSTEM - An inter-bank email and mobile invoicing network is disclosed. Embodiments disclosed herein include an inter-bank email and mobile invoicing network that enables customers of banks or independent portals to send invoices to an email address or mobile phone number. The invoice can be received by the recipient within their bank's online or mobile banking site, in the case of banks that belong to a network that is managed by the proprietors of a financial management system and payment hub as disclosed herein. These banks will be referred to as “network banks” herein. The inter-bank invoicing network also refers to a common provider or connected providers of an invoicing and payment service that is linked to banks and to independent service providers.10-27-2011
20120290475SYSTEMS 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
20120290474Payment Network Facilitating Multi-Currency Trade Finance - A system makes payments to vendors, including providing early pay financing of vendor's invoice in a multicurrency environment. Each invoice specifies a transaction currency. At least one of the transaction currency, a payer funding currency, the vendor remittance currency, and the finance currency is of a different currency denomination than the other two. A financier funding amount is the net payment converted to the financier currency at a market exchange rate plus a margin. A vendor resulting remittance is the net payment converted to the vendor remittance currency at a market exchange rate plus a margin. Early payment includes receiving, in a settlement account denominated in the financer currency, the financer funding amount and generating a payment of the resulting remittance amount to a vendor remittance account from a settlement account denominated in the vendor remittance currency.11-15-2012
20120290473SYSTEMS AND METHODS FOR MANAGING TRANSACTION DATA - A system for use in managing charge station transaction data is provided. The system includes at least one charging station and a billing server coupled in communication with the at least one charging station. The billing server is configured to receive transaction data from the at least one charging station, consolidate the transaction data, and transmit the consolidated transaction data to an electronic payment processor.11-15-2012
20120066120SYSTEMS AND METHODS TO PROCESS PAYMENTS VIA A COMMUNICATION SYSTEM - Systems and methods are provided to facilitate online transactions via real-time communications. In one aspect, a method includes: receiving, in a computing device, a payment request from a user terminal of a user, where the payment request identifies a merchant and an identifier that identifies the user on a data communications network for real-time communications connections with the user; communicating using the identifier by the computing device on the data communications network to secure funds from the user for the payment request; and in response to a success in securing the funds via the communicating using the identifier on the data communications network, transmitting a message from the computing device to the merchant to indicate a payment to the merchant using the funds on behalf of the user.03-15-2012
20120005093SYSTEM AND METHOD FOR AUTOMATIC PAYMENT OF FINANCIAL OBLIGATIONS - The present invention is a method for managing funds in anticipation of paying at least two financial obligations, such as an estimated tax payment and a mortgage payment. The due dates and amounts due are determined from customer financial information. During an escrow period leading up to the first obligation due date, amounts of money are transferred on at least two occasions from a customer account into a second account, whereby the combined value of the transferred amounts substantially matches the estimated tax or other amount due for the first obligation. The transfer amounts and/or timing are adjusted so as to maintain sufficient funds in the customer account for paying the other obligations. The transferred money is used to automatically pay the first obligation on or near the due date. In embodiments, the customer can access the money in the second account until the first financial obligation is paid.01-05-2012
20120130891METHOD OF PROCESSING A TRANSACTION FOR A PARKING SESSION - Methods of processing payment transactions associated with parking sessions and at least one parking related service. The payment transactions are between the parking supplier, for example, the owner or manager of a parking lot, and a payment provider, for example, a credit card company, on behalf of a user. The methods involve retrieving parking supplier information stored in a memory based on an identifier that defines the location of the parking session, and retrieving payment provider information stored in the memory based on an identifier that defines the user, and processing the transaction, where the amount or cost associated with the transaction is based on the duration of the parking session and whether the user opted to use the at least one parking related services.05-24-2012
20080208739TRANSACTIONAL SERVICES ASSOCIATED WITH MOBILE DEVICES - Methods, apparatuses, and articles for a service provider capable of providing transactional services to mobile device users are described herein. In one embodiment, the service provider is adapted to receive a request from a mobile device known to the service provider to transfer value associated with the mobile device, the request specifying a recipient of the value and, in response, request, of a financial institution having an account associated with the mobile device, the transfer of value from the account to an account associated with the specified recipient. Also, in some embodiments, the service provider is adapted to receive a request from a mobile device known to the service provider to transfer value associated with the mobile device, the request specifying a mobile device service feature to be purchased with the value and, in response, exchange the value for the mobile device service feature.08-28-2008
20110302082METHODS AND SYSTEMS FOR PROCESSING A FINANCIAL TRANSACTION - A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.12-08-2011
20090119209MOBILE TRANSACTION NETWORK - A financial transaction processing system and network that supports multiple types of financial and other transactions which may be initiated or confirmed using a mobile device, internet or telephone. The system employs one or more centralized host processors which connect to one or more clearing banks, and to a network of various other partners which may include custodian banks and other service providers such as merchants. The host processor acts as a communications switch validating incoming transaction requests from users and routing them to the appropriate partners for execution. The central processor maintains user records that can be queried by the partner processors. The financial network provides accessibility, speed and finality of settlement in transactions by using several settlement methods including the use of correspondent bank accounts held at the clearing banks or other interbank settlement methods such as the ACH.05-07-2009
20110295743RECURRING TRANSACTION PROCESSING - Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.12-01-2011
20120066119METHOD AND SYSTEM FOR ACCESSING WIRELESS ACCOUNT INFORMATION - A method for managing wireless account information. A list of applications is presented via a web interface on a computing device. The applications are operable to run on a wireless handheld device and a plurality of billing options are presented. In response to receiving a selection of an application, a wireless account is updated via a link between a web account and a wireless account according to the selected application, such that the selected application is available when a wireless account is accessed via a wireless handheld device.03-15-2012
20120191604CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH HIERARCHICAL INVOICING AND DIRECT PAYMENT FEATURES - Systems and method for managing a construction payment process. When instructions are executed by a processor, an application server electronically generates a first request for payment on behalf of a first participant in a construction project in response to information received from the first participant. The first request for payment is transmitted to a second participant and a second request for payment is electronically generated on behalf of the second participant based at least in part on the first request for payment. The second request for payment is then transmitted to a payment source. A first payment is initiated from the payment source to the first participant based on the first request for payment. A second payment is initiated from the payment source to the second participant based on the second request for payment.07-26-2012
20120191605DATA PROCESSING SYSTEM FOR PRICING, COSTING AND BILLING OF FINANCIAL TRANSACTIONS - The present invention provides methods and systems for pricing financial transactions by defining product rules, providing links to appropriate price tables, and calculating a price for a financial transaction. A data processing system in accordance with one embodiment of the present invention, creates a product rule corresponding to a financial transaction. The product rule contains mandatory attributes and optional attributes. Optional attributes may be looked up using identifiers constructed from said mandatory attributes. Optional attributes include a link to a price table which contains further attributes, including a pricing method. A price is then calculated in accordance with the pricing method. Billing is completed according to the billing method for the particular financial transaction.07-26-2012
20090276355METHOD AND NETWORKED SYSTEM OF INTERACTIVE DEVICES AND SERVICES OFFERED FOR USE AT PARTICIPATING SOCIAL VENUES TO FACILITATE MUTUAL DISCOVERY, SELF-SELECTION, AND INTERACTION AMONG USERS - A system and method for self-selection by pairs of mutually-interested individuals among current or sometime visitors to participating social venues, including interactive client devices provided on a pay-to-use basis at each venue and connected via an external network to servers hosting a secure database storing user information together with software to manage the interactions between devices and database. The method comprises displaying on client devices digital photo and/or other data created by first user for the purpose of self-introduction; allowing second user to respond to first user's displayed self-introduction; and establishing, without requiring the disclosure of any user identity or access information, a link for subsequent communications between those users. Such a link supports several novel methods of convenient-yet-anonymous communications; provides inherent exclusivity, exposing no address or identifier that might be passed to a third party; and verifies prior mutual consent for every interaction.11-05-2009
20090281945Payment Processing Platform - A method for processing a child transaction involving a child product that is linked to a core account and is to be used for payment transactions within use restrictions defined by one or more control parameters. A payment processing platform receives one or more attributes defining the child transaction that is initiated at a merchant entity and compares the one or more attributes to the one or more control parameters. A child card number associated with the child transaction is determined, and a core account number, which is associated with the core account based on the child card number, is identified. Advantageously, the financial institution does not need to modify its legacy payment processing infrastructure in order to process payment transactions made using the child product. Additionally, child products protect consumers from fraud or identity theft and limit a customer's exposure when child products are lost or stolen.11-12-2009
20100114762STORAGE BATTERY, STORAGE BATTERY ACCOMMODATION DEVICE, STORAGE BATTERY CHARGING DEVICE, AND USAGE AMOUNT PAYMENT SETTLEMENT DEVICE FOR STORAGE BATTERY - A storage battery that can be used in an electric automobile or the like and can be replaced by simple operations within a very short time, and a storage battery accommodation device are provided.05-06-2010
20110166995System and Method for Temporarily Enabling Proprietary Transit Payments on a Hotel Room Key - One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio07-07-2011
20100114765AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.05-06-2010
20100114764System and Method for Selectable Funding of Electronic Transactions - A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by scheduling the payments and selecting sources for funds. A rules-based optimizer may automatically select the least-cost or other most efficient or desirable transaction, given the customer's available funds, types of funds and payment date. All payment providers and payees may manipulated using one seamless view. A customer service representative may also view the transfers.05-06-2010
20090287603Actionable Alerts in Corporate Mobile Banking - Techniques for alerting a client about a pending payment over a communication device by a financial institution are disclosed. The client is able to view the alert on a communication device and can reply to the alert with an answer on how to process the pending payment. A designated user can consequently respond to issues without having to call staff or to log into the business's computer system. The response sent through the communication device indicates the designated user's decision to the financial institution's payment system. The payment service determines whether an alerting message should be sent to a designated user based on at least one criterion based on a set of business rules. The designated user is authorized to approve or reject the pending payment. In response to the alerting message, the designated user returns a response that contains payment information and a one-time password.11-19-2009
20090150285SYSTEM AND METHOD FOR SELLING ALTERNATIVE FUEL VEHICLES - An alternative fuel vehicle is provided to a consumer at an initial purchase price or lease rate which is subsidized by the vehicle manufacturer or financing institution. In one embodiment, the vehicle purchaser is then charged a periodic user fee that is a function of both the distance driven over some predetermined period of time and an applicable unit rate.06-11-2009
20110264582DIRECT BILL PAYMENT APPARATUSES, METHODS AND SYSTEMS - The DIRECT BILL PAYMENT APPARATUSES, METHODS AND SYSTEMS (“DBP”) transform location-specific providers search queries via DBP components into automated recurring bill notifications and payments. In one embodiment, the DBP obtains an indication to execute a pre-recorded web navigation automation script for user bill payment. The DBP parses the obtained indication to identify a user and a bill associated with the user, and accesses a pre-recorded web navigation automation script for payment of the bill associated with the identified user. The DBP executes an automated web navigation action based on the pre-recorded web navigation automation script. In some implementations, the DBP parses the pre-recorded web navigation script and identifies a command included in the pre-recorded web navigation automation script. The DBP executes the automated web navigation action according to the identified command included in the pre-recorded web navigation automation script.10-27-2011
20120239562APPARATUS, METHOD, AND SYSTEM FOR TRACKING HYBRID SAVINGS - A vehicle includes a hybrid powertrain and a controller. The controller includes a processing device that is operatively coupled to a transmitter, a receiver, and the hybrid powertrain. The processing device is structured to monitor the hybrid powertrain, to calculate information corresponding to powertrain energy usage, and to transmit the information to a computer.09-20-2012
20120109819SYSTEMS AND METHODS FOR PROVIDING CUSTOMIZED INSTALLMENT PAYMENT PLANS - Systems and methods for making installment payments are disclosed. The installment payments may be used to purchase flights or travel packages and may be made online. The installment payments may be customizable and provide a consumer with more flexibility than standard payment options.05-03-2012
20120036065Enhanced Electronic Data and Metadata Interchange System and Process for Electronic Billing and Payment System - A Software As A System (SAAS)-based system is disclosed herein for sending bills and payments in conjunction with a third-party accounting system. The system deploys a downloadable program interface to configure the third-party accounting system and then send and receive data between the two systems. The transmitted bills may contain an electronic signature, a line item billing, and/or other transaction-specific meta data, and, based on cash flow needs and outstanding bills, some or all customers may be offered a very substantial time-limited discount for immediate payment. Also, customers may use the line-item billing feature to withhold partial payments for specific issues attributed to specific items. Alternatively, a communication module between SAAS units (CSU) may be deployed to configure the third-party accounting system and then send and receive data between the two systems.02-09-2012
20090094156Automated Budget Management, Multiple Payment, and Payment Authority Management - An automated budget management and bill payment system is provided where there is at least one customer (04-09-2009
20090094155WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (04-09-2009
20100138340SYSTEM AND APPARATUS FOR TRANSACTION FRAUD PROCESSING - A system for processing transaction data is provided. The system includes a fraud policy system that provides merchant fraud policy data. An order information data system receives order information data and the merchant fraud policy data and generates order information fraud score data, such as by modifying the order information data using the merchant fraud policy data and then scoring the modified order information data. A transaction authorization system receives the order information fraud score data and the merchant fraud policy data and generates client authorization data.06-03-2010
20100082480PAYMENTS WITH VIRTUAL VALUE - Methods and systems for payments with virtual value are described. In one embodiment, a virtual value indication associated with a user from a virtual value provider may be received. Virtual value may be associated with a user account in response to receiving the virtual value indication. A payment request may be received. A portion of the virtual value associated with the account may be converted to a base value of a base value type at a conversion rate in response to the receiving of the payment request. The payment request may be processed for the account using the base value. Additional methods and systems are disclosed.04-01-2010
20100082479Proxy-based payment system for portable objects - A system is disclosed that features a transport vehicle that carries responsive objects, such as a truck hauling cargo units, in which the objects are equipped to provide payment information when queried. The transport vehicle is outfitted with a proxy that represents the responsive objects. The proxy is configured such that it is better able than the responsive objects to receive payment request signals from a querying device. The vehicle is also outfitted with i) sensors that detect the responsive objects and ii) sensors that detect state information of the vehicle, in which both sets of sensors provide information to the proxy. The object sensors are able to query each responsive object in the same way as the querying device would query those objects in the prior art. The proxy then responds to the query on behalf of the responsive objects.04-01-2010
20110173119Interactive Bill Payment Center - A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network is provided. A bill-payment module is provided within the software suite and comprises, an interactive main interface accessible from the module for listing the bills due and payment accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing bill history, an interactive set-up link embedded in the main interface for providing access to a secondary interface for configuring recurring payments, an interactive transfer-funds link embedded in the main interface for providing access to a secondary interface for enabling automated transfer of funds between registered accounts, an interactive calendar link embedded in the main interface for providing access to a secondary interface for viewing calendar data, a plurality of interactive drop-down menus, each menu associated with a listed bill, the menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface. A user operating the main interface from a remote node having access to the data-packet-network may view all aggregated bills and initiate treatment of such bills according to selected interactive options. The treatment is ordered by the operating user and performed by proxy by a service entity hosting the interface.07-14-2011
20090287602METHOD FOR POSTAGE PAYMENT - A postage funds credit system in which the customer pays for postage funds after they are used in franking mailpieces. A postal device is initialized with postage funds advanced to the customer by a third party. The value of a descending register of the postal device is read a first time and a second subsequent time. The later value is subtracted from the earlier value to obtain an amount of postage funds used by the customer between the two readings. The customer is billed for the amount of postage used after such use. The postal device can be replenished with additional postage funds advanced by the third party.11-19-2009
20090210342SPENDING VEHICLES FOR PAYMENTS - A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of the payment a spending vehicle such as a discount card, rebate, or coupon for use with purchases of the sponsor's products or services. Sponsors include companies and organizations interested in offering purchase incentives to their customers. An individual who wishes to receive a spending vehicle rather than the regular payment selects the spending vehicle he or she would like to receive. The individual then assigns his or her right to receive the payment to a third party. The third party then arranges to give a spending vehicle to the individual and to transfer the individual's payment to the sponsor of the spending vehicle. The third party may take a portion of the payment as compensation for the service. 08-20-2009
20090287604DESKTOP ALERT WITH INTERACTIVE BONA FIDE DISPUTE INITIATION THROUGH CHAT SESSION FACILITATED BY DESKTOP APPLICATION - A consumer installs a desktop application on a computer which renders a user interface on the computer's desktop. Upon installation, the desktop application is registered to receive offers and alerts. Each alert includes data for a transaction on an account conducted with a merchant where the account was issued by an issuer to an account holder to conduct transactions on the account with merchants. A received alert is rendered on the desktop. If the consumer, upon review of the rendered alert, deems the corresponding transaction to be fraudulent, the consumer can operate the user interface to activate a live chat with a web service, and use the live chat to send information sufficient to initiate a bona fide dispute of the transaction. The offers are rendered on the user interface as advertisement and are selectable to initiate a transaction on the account.11-19-2009
20090089210WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (04-02-2009
20090089209METHODS AND SYSTEMS FOR GENERATING INVOICES - This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer.04-02-2009
20080208738AUTOMATED BILL VALIDATION FOR ELECTRONIC AND TELEPHONIC TRANSACTIONS - The present invention is directed to verifying information related to one or more transactions using an electronic or telephonic medium, for example. In operation, a user of the electronic or telephonic medium makes phone calls, uses bandwidth or data, or purchases items. Information associated with the transactions is sent to a default location and stored in a data storage location, such as a data storage location. Tariff information associated with the transactions may also be stored in the data storage location. The tariff information and the information related to the transactions themselves are used to generate a first bill. At the end of a time period a second bill is received from the service provider associated with the electronic or telephonic medium. The first bill is cross-verified against the second bill. If any discrepancies are found the user and/or the service provider is notified.08-28-2008
20080208740MUSIC REPRODUCING SYSTEM FOR COLLABORATION, PROGRAM REPRODUCER, MUSIC DATA DISTRIBUTOR AND PROGRAM PRODUCER - A music reproducing system includes a musical instrument for reproducing a music tune on the basis of the MIDI music data, a sound reproducer for reproducing a music tune and/or narration from audio data codes and a server computer for distributing programs, MIDI files and audio files to the musical instrument and sound reproducer, and a program contains plural music tunes and narration; while a program is being reproduced in collaboration between the musical instrument and the sound reproducer, the audio data codes are converted to an audio signal expressing the narration through the sound reproducer, and the music tunes are reproduced on the basis of the MIDI files through the musical instrument; and the duration data codes of audio file are supplied to the musical instrument so as to make the musical instrument and the sound reproducer synchronized with each other.08-28-2008
20090281946ACH Payment Processing - Efficiently processing ACH payments by processing batches of ACH payments in parallel. A processing system of an ACH operator receives an ACH file including multiple batches of ACH items. Each batch includes at least one ACH item. A control module of the processing system organizes data in the ACH file into multiple partitions according to a selected strategy. Each partition includes at least one of the batches. A processing module of the processing system separately processes each partition in parallel, validating the batches and ACH items and creating at least one output batch for each partition. If the control module determines that the ACH file is acceptable, based on this parallel processing, then the processing module settles the ACH items in the output batches and creates at least one new ACH file for transmitting the settled ACH items to one or more corresponding receiving depository financial institutions.11-12-2009
20090281944Systems And Methods For Secure Debit Payment - A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.11-12-2009
20120296816MOBILE BILLING METHOD AND SYSTEM USING ARS - Disclosed herein is a mobile billing method using an automatic response service (ARS) through call transfer including (a) setting a call between a franchisee server and a mobile terminal according to a request from the franchisee server, (b) receiving a request for call transfer from a billing relay server receiving the request for the call transfer from the franchisee server, performing the call transfer and transmitting an ARS announcement to the mobile terminal, (c) receiving a request for billing from the mobile terminal and requesting authentication and billing from the billing relay server, and (d) receiving a result of the authentication and billing approval from the billing relay server and performing call transfer between the mobile terminal and the franchisee server.11-22-2012
20110208650Systems and Methods for Paying Invoices - An invoice payment service enables a method for paying an invoice at a retail store. The invoice identifies a payment amount owed by a customer to a service provider for use of one or more services. The payment process is enabled by assigning a unique customer identification code to the customer and assigning a unique PLU number to the service provider. Both the customer identification code and PLU number are entered into a point of sale system of the retail store and the payment amount is collected. The customer identification code and PLU number are then transmitted to the invoice payment service for use in causing a financial institution to complete a fund transfer by which the service provider receives the payment amount tendered by the customer at the retail store.08-25-2011
20100280944PAPERLESS CHECKING TRANSACTIONS - According to one embodiment, a user logs into a bank account and access a bill payment service through the bank. The user enters a recipient's email address and an amount to be transferred from the user's account to the recipient. The bill payment service transfers the amount to a payment provider, who then transfers the amount to the recipient if the recipient has an account with the payment provider. As a result, recipients who are not part of a bill payment service can quickly receive payments, and users can make quickly and easily payments to recipients who are not part of a bill payment service by simply entering an email address and payment amount.11-04-2010
20090037329SYSTEM AND METHOD FOR DEPLOYING APPLICATION PROGRAMS - A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The wireless device, such as a cell phone, personal digital assistant, or palm top computer may include an auxiliary device such as a bar code scanner, a magnetic stripe card reader, or a printer. The business sector or service sector may monitor or limit utilization of the auxiliary device. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message. Distributed processing application programs having components in the business, service, and mobile sectors may thereby be updated in an orderly manner. An application program on a wireless device may assist confirmation of an order made by a buyer via a web site. The wireless device is expected to be operated by the buyer. Fraud reporting is accomplished by comparing data obtained by registration of the wireless device with data provided in the confirmation.02-05-2009
20080243685BILL PAYMENT SYSTEM - A bill payment system and method. In a method, the authorization request message is sent to a biller. The authorization request message requests authorization for a consumer to pay a bill at the merchant. The biller thereafter authorizes or does not authorize payment of the bill, and then sends an authorization response message back to merchant. The authorization response message indicates whether or not the biller has authorized or not authorized the payment of the bill. The authorization response message is thereafter received by the merchant and a biller can credit an account of the consumer.10-02-2008
20080249933REAL-TIME INDICATION OF REMITTANCE SENDER THAT REMITTANCE TRANSACTION FAILS - A method includes initiating a remittance transaction interaction with a sender in response to a request from the sender. The request includes recipient information that identifies a recipient. As part of the remittance transaction, a request message is transmitted. A response is received in real time. The response indicates that the remittance transaction cannot be performed for lack of a valid recipient's account. The sender is informed that the remittance transaction cannot be performed. After the sender is so informed, the remittance transaction interaction with the sender is concluded.10-09-2008
20080249935METHODS AND APPARATUS FOR FUNDS REMITTANCES TO NON-PAYMENT CARD ACCOUNTS USING PAYMENT CARD SYSTEM - A method includes receiving a funds transfer request. The request specifies a transaction amount, a destination bank account and a source payment card account. A response to the request includes initiating a payment transaction to transfer the transaction amount from the source payment card account to a payment card system settlement account that was established by a payment card system with an agent bank. The response to the request also includes issuing an instruction for the agent bank to transfer the transaction amount from the settlement account to the destination bank account.10-09-2008
20080319900Life insurance products under a single approved form - A system and method for generating life insurance products under a single approved form. In one aspect, a system and method are provided for determining a premium schedule by selecting a death benefit; targeting a projected balance of an account associated with the product; designating at least one premium band; generating, in response to a deferral determination for at least one premium-based charge for at least one premium band, factors for allocating charges associated with the product; and calculating the premium schedule. In another aspect, a system and method are provided for determining a death benefit, and in another aspect, a system and method are provided for determining a projected balance of an account associated with a life insurance product.12-25-2008
20080228644PROVIDING METERED CAPACITY OF COMPUTER RESOURCES - An apparatus and method provides the capability of metering temporary capacity on demand in a computer system. A resource-time is specified, such as processor-days. The actual usage of the resource is monitored, and the customer is charged for only the actual usage of the resource. In this manner a customer may purchase a specified resource-time, and is only charged for the time that the resource is actually used. The preferred embodiments extend to metering temporary capacity on demand in a logically partitioned computer system. If a resource is shared, the actual usage of the resource is monitored, and the customer is only billed for actual usage that exceeds a predetermined non-zero threshold.09-18-2008
20080228642System and Method for Payment Receipt Using 2D Code - A payment receipt system is provided. The payment receipt system comprises: a receipt management database for managing at least information on the payers who have to pay and the payment amount that the respective payers have to pay for a certain period; and a payee server including an information extracting part for extracting information including the information on the payers and the payment amount from the receipt management database, a code converting part for converting the extracted information into a two-dimensional (2D) code, a bill forming part for making out a bill for payment with the converted 2D code attached thereto, a bill transmitting part for transmitting the bill for payment to a receiver of the payer, and a controller receiving information on the payers who have completed a payment from a financial institution server.09-18-2008
20080288400Centralized 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.11-20-2008
20120296817SYSTEMS AND METHODS FOR PROMOTING PRODUCTS AND SERVICES - Disclosed are systems and methods for promoting products and services in a retail environment.11-22-2012
20080243687ENTERPRISE ENERGY MANAGEMENT SYSTEM - A system for managing energy consumption by equipment located at a site or a plurality of sites. The system includes a database including information relating to pieces of energy consuming equipment located at a site. A server is programmed to process utility bills and/or analyze data to predict trends in energy consumption.10-02-2008
20100153264ANNUITY INTERFACE AND SYSTEM IN AN INTELLECTUAL PROPERTY DATABASE - A method and system for integrating management of intellectual property assets with management of annuity instructions for patent grants and pending patent applications. An intellectual property asset management application is integrated with an asset management application through a third application. Communication conduits are configured in communication with the applications in the form of queues and schedulers to facilitate communicating instructions among the applications. Web services are employed as a communication medium to send instructions among the applications.06-17-2010
20090119207POINT OF SALE PAYMENT SYSTEM FOR MULTIPLE RECIPIENTS USING A DIGITAL PAYMENT SERVICE - A system for point of sale payment processing for multiple recipients allowing division of funds to be distributed from a sum received from a buyer to multiple accounts simultaneously without a delay or manual action required from the administered member of the receiving benefactors.05-07-2009
20110270747System and Method for Adding Funds to a Prepaid Account for a Mobile Device Associated with Mulitple Communication Profiles - A communication management system receives, from a local cellular network operator, a communication indicating that a payment has been made to the local cellular network operator for a mobile device using a local communication profile. The communication management system identifies, based on the local communication profile, a home communication profile of the mobile device. The home communication profile is associated with a home cellular network operator that is distinct from the local cellular network operator. The communication management system sends, to the home cellular network operator, a request to add funds to a prepaid account that is associated with the home communication profile of the mobile device.11-03-2011
20090037328REAL ESTATE APPRECIATION CONTRACT - A method and system for providing a contract between a property purchaser, e.g., the purchaser of a house, co-op or condo, and an investment fund in which a down payment or other financing is provided to the buyer from the fund in return for a portion of the capital appreciation of the real estate asset. The contract may be grouped with other such contracts and traded in an electronic market. Upon maturity or earlier sale of the property, a portion of the appreciated value of the property paid back to the Fund.02-05-2009
20110208651INTERNET BILLING METHOD - Equipment of a provider may be operable to establish a billing arrangement with a purchasing customer to charge a billing account associated with the purchasing customer a first amount, establish a remitting arrangement with a selling vendor to remit between the selling vendor and the provider a second amount by way of an account associated with the selling vendor, establish communications with equipment of the purchasing customer, enable the equipment of the purchasing customer to communicate with equipment of the selling vendor, obtain transactional information relating to a purchase transaction initiated by the purchasing customer, which results in the billing account of the purchasing customer being charged the first amount, and initiate between the selling vendor and the provider a remittance of the second amount by way of the account associated with the selling vendor. Additional embodiments are disclosed.08-25-2011
20110208649INVOICE SYSTEM AND METHOD - Provided in some embodiments is a method of providing an invoice for payment. The method includes providing, in a computer system memory, an indicia set comprising a finite number of indices serviceable by a indicia system, wherein the indicia set includes a subset of indices each having a monetary value associated therewith, receiving a request to provide one or more indices having a net monetary value, assessing the indicia subset to determine a combination of indices comprising a net value equal to the monetary value, wherein the net value comprises a sum of the monetary values associated with each indicia of the combination of indices, and providing the combination of indices for inclusion on the invoice for payment.08-25-2011
20090119208FINANCIAL TRANSACTION FUNDS COLLECTION AND DISTRIBUTION - There is provided financial transaction funds collection and distribution methodology and system. A financial service provider assists in providing information to a third party transaction processor, who is engaged to process financial transactions such as insurance claims. Payors enroll as participants with the financial service provider, and information about the payors' banks, funding sources, or other financial institutions are linked to the payors in a database maintained by the payment system. Once a payor and the payor's financial institution are enrolled, funds may be obtained from the payor's bank by the financial service provider on behalf of the third party transaction processor, and without transaction-by-transaction involvement from the payor, significantly reducing the time, expense, and costs associated with financial transaction collection and payment.05-07-2009
20090030838METHOD, APPARATUS AND SYSTEM FOR MARKETING , DELIVERING , AND COLLECTING PAYMENT FOR INFORMATION - A method, apparatus and system for marketing, delivering, and collecting payment for information is described. In one embodiment, the invention is a method of providing electronic mail for payment. The invention includes sending an electronic mail message including provided information and a price to a customer, the provided information having an inaccessible portion of information. The invention further includes transferring a payment from the customer, and rendering the inaccessible portion of information accessible to the customer.01-29-2009
20110208652Method For Processing Internet Point Of Sale Payment Using Automated Teller machine Switch Settlement - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.08-25-2011
20100268643CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH BUDGET RECONCILIATION FEATURES - A computer-implemented method of reconciling a primary budget for a construction project. One embodiment of the invention includes generating a primary budget for the construction project and assigning a first primary budget line item from the primary budget to a participant. A secondary budget is then generated for the primary budget line item. Invoice amounts corresponding to secondary budget line items are stored. Before administering a draw that includes a new payment to the second participant, the system ensures that the total sum of a current invoiced amount and all previously invoiced amounts corresponding to secondary budget line items is less than or equal to the budget amount of the primary budget line item.10-21-2010
20090164369PERSON-TO-PERSON PAYMENTS: CONTEXTUAL SPENDING - A computerized method and a system for contextual spending in person-to-person payments are provided. In example embodiments, a payment system may receive a request from a first party for making a payment to a second party. The payment system may send a recommendation for utilization of the payment to the second party. The payment system may also request and receive from the first party an instruction related to charging a transaction fee associated with the payment.06-25-2009
20090144195SYSTEM AND METHOD FOR AUTOMATICALLY REPLENISHING AN ELECTRONIC PAYMENT ACCOUNT - The invention provides a computerized electronic auction payment system and method for effecting a real-lime payment for an item won in an electronic auction by setting up and maintaining electronic auction payment accounts for prospective bidders and sellers. In one embodiment, upon being deemed as a winning bidder, the winning bidder accesses a payment page, enters the total amount of funds to be transferred to the seller, and authorizes the computerized electronic auction payment system to effect a real-time payment by debiting his, i.e., the winning bidder's, respective electronic auction payment account and crediting the electronic auction payment account of the seller, and/or another account specified by the seller. In an alternate embodiment, the prospective bidder authorizes the computerized electronic auction payment system to effect a real-time payment to the seller upon the prospective bidder being deemed the winning bidder (i.e., immediately following the conclusion of the auction). That is, without the winning bidder having to access the payment page. Funds can be automatically transferred to the electronic auction payment accounts on a periodic basis and after funds are deducted from the payment accounts to replenish the funds deducted from the payment accounts. A fee can be charged by an operator of the computerized electronic auction payment system for automatically transferring funds to the electronic auction payment accounts and for automatically replenishing the payment accounts.06-04-2009
20090182662Federated Entertainment Access Service - This document describes tools capable of managing digital content from multiple content providers based on a user's identity. By so doing, the tools may free people from the limitations of their storage media and devices. The tools may perform these and other actions through an indirect relationship with users, such as when third-party content providers use the tools but provide their own direct interface with users.07-16-2009
20130218764ELECTRONIC SETTLEMENT METHOD, SYSTEM, SERVER, AND PROGRAM THEREOF - A secure electronic settlement by an easy operation is enabled even with any terminal device and any network in any country. Balance information of a user, predetermined voice information that can identify a user, an arbitrary keyword, and a voiceprint are stored in advance in a database of a server in association with a telephone number of the user, and when a remitter user carries out remittance to a recipient user, the server sends out voice guidance including predetermined voice information registered in the database corresponding to the telephone number of a recipient terminal sent from the recipient terminal requesting the remittance or a telephone number of the recipient terminal inputted by the remitter carrying out the remittance to the recipient using a voice response function to a remitter terminal, thereby enabling intuitive confirmation of a recipient by a remitter.08-22-2013
20090327127METHOD AND APPARATUS FOR MAPPING SOURCES AND USES OF CONSUMER FUNDS - A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and is authorized to transfer money from the deposit account to the accounts of various creditors. An originating depository financial institution, such as a bank, handles the transfers of money, and such transfers are preferably done electronically. The automated clearing house (ACH) network supports such electronic money transfers. The various bills and debts of the individual or couple come due at times that are asynchronous to their income structure. The bill-paying service is authorized to debit the deposit account for more than the basic minimums due the creditors each month. Such excess is used to accelerate the repayment of various loans and debts according to what particular application at that time will have the greatest long-term beneficial effect.12-31-2009
20090327126Method and system to process payment - Provided is a method and system for payment processing, including emailing a billing statement including an online payment hyperlink to a payer by a biller. The online payment hyperlink includes a payer personalized URL and a token uniquely identifying the payer. The online payment hyperlink is selected by the payer, who is then presented with the biller's online payment form, including pre-populated data fields. The biller's online payment form is reviewed, completed and corrected by the payer, and sent to a secure payment form server.12-31-2009
20090327125ENHANCED MEDIA SUBSCRIPTION - The described implementations relate to enhanced media subscription services. One technique provides digital rights restricted media to a consumer for a period. At the end of the period, based at least in part on consumer use, the technique removes the digital rights restrictions from some of the media and deletes other of the media.12-31-2009
20090259588SECURITY SYSTEMS FOR PROTECTING AN ASSET - Security systems for protecting assets are described, including password-based security systems that can provide different levels of access responsive to entry of a primary or secondary password. In some versions, user-configurable security rules can provide customized responses to entry of primary or secondary passwords, including feigned or limited access, security alerts, etc. Passwords comprising overt and covert components can be used to provide enhanced security and improved user control over system response. Improved security systems involving transactions between multiple parties are also considered, with options for user-customized security rules including primary and secondary passwords, and reverse challenge and response methods. Systems for Limited Use Credentials are also disclosed to reduce the risk of identity theft.10-15-2009
20090006251UNIVERSAL ROLLOVER ACCOUNT - A system, method and computer program product for allowing users to set-up a separate stored value account on their transaction instrument to fund expenses. The stored value account, referred to herein as a Universal Rollover Account (URA) system, can be funded by check, an Automated Clearing House (ACH), or by charging another card or transaction instrument. Users and/or card-members will be given access to a web portal to manage their Universal Rollover Accounts, including changing their funding method, adding or withdrawing funds, and changing their configuration such that the URA bucket can come before or after other funding accounts in a payment hierarchy.01-01-2009
20090006252BILLING DATA REPORT SYSTEM - A method and a system directed to a billing data report system are described. For example, a server receives billing data from one or more data sources, generates one or more calculated results using the billing data and using a term from a service level agreement, and transmits one or more calculated results to a client, which receives and displays one or more calculated results.01-01-2009
20110225086CREDIT PROVISION SYSTEM AND METHOD - A system and method for providing credit to a subscriber, including a plurality of networks, each of said networks supporting a plurality of subscribers; a central settlement facility coupled to each network within the plurality of networks, said central settlement facility maintaining a plurality of subscriber accounts and wherein the central settlement facility is adapted, on receipt of a request for credit from a subscriber, to convert the request for credit to an intermediate value; obtain credit from a credit provider with said intermediate value; credit an account held by the subscriber on the settlement facility with an amount equivalent to the request for credit; and advise the subscriber of the approval of the request for credit is disclosed. The system is further configured for the provision of airtime to a subscriber.09-15-2011
20090024522SYSTEM AND METHOD PROVIDING RULES DRIVEN SUBSCRIPTION EVENT PROCESSING - The present invention relates to a system and methodology providing an automated and dynamically responsive infrastructure to support online subscription services. The system includes one or more components to coordinate and manage a plurality of services offered by multiple service providers. This can include automatically creating and managing billing accounts for customers subscribing to such services. At least one engine is provided to process multiple rules in response to subscription events that occur in connection with the services in order to facilitate service delivery. At least one rating processor is provided to process multiple rating rules in response to subscription events for currency and non-currency resources.01-22-2009
20090024523WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (01-22-2009
20090024521METHOD AND APPARATUS FOR EXTENDING LICENSE OF CONTENT IN PORTABLE DEVICE - A method and apparatus for extending a license of a content in a portable multimedia device includes receiving an instruction to extend the license, analyzing the received instruction for type of an extension of the license, and updating the data for controlling use of the content, which is included in the license, and payment data regarding payment for the extension of the license, based on the analysis, so that the license of the content can be extended in the portable multimedia device without the portable multimedia device having to be connected to an external device.01-22-2009
20090083180System, method, and apparatus for managing wastewater treatment installation - Apparatus for managing a residential wastewater treatment system includes an in situ control unit that monitors an individual system. The control unit provides local control and alarms, and also sends status reports and/or alarms to a remote monitoring center via a telemetry device. The remote monitoring center makes information concerning the individual system available through a website.03-26-2009
20090063338Method and System for Making Automated Purchases - A method and system for placing an order for an item which allows a purchaser to search for an item across multiple merchants, including merchants without a pre-existing agreement to be included in the search, returns a list of merchants with the desired item, enables the user to sort the list according to several criteria (including: price; price and shipping; price, shipping, tax, and fees; shipping time; and country of merchant) and enables the purchaser to purchase the item from any of the listed merchants with a single action even if the purchaser did not have an account with the chosen merchant.03-05-2009
20090055316WIRELESS PAYMENT METHOD AND SYSTEMS - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.02-26-2009
20090055315Method Of Billing A Purchase Made Over A Computer Network - A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a method of payment, such as credit card information, debit card information, checking account information, a telephone service account, a cable television account, a utility service account, or an Internet service provider account, is requested from the user after the user passes the fraud control. Information associated with the method of payment is received from the user in real time. Method-of-payment information is communicated to a payment authorization database, which can be located locally or remotely. The method-of-payment information includes the received information associated with the method of payment. Payment authorization information associated with the method of payment is received from the payment authorization database. A sale transaction is completed when the payment authorization information is affirmative. Sale charge information associated with the sale effected over the computer network is transmitted to the payment authorization database when the sale transaction is complete. The sale charge information includes information for charging the method of payment an amount representing a charge for the sale.02-26-2009
20120078782METHOD AND SYSTEM TO PROCESS PAYMENT USING URL SHORTENING AND/OR QR CODES - Provided is a method and system for payment processing, including emailing a billing statement to a payer by a biller, the billing statement including an online payment hyperlink having a shortened URL personalized for the payer and a token uniquely identifying the payer. The payer may select the online payment hyperlink, at which point they are presented with the biller's online payment form without the payer logging in or preregistering. The online payment form includes data fields pre-populated with available payer information derived from the personalized shortened URL and token, which may be reviewed, completed and/or corrected by the payer and sent to a secure payment form server. Also provided is the use of Quick response (QR) codes incorporating the shortened URL in a printed format, particularly for use with a mobile communication device.03-29-2012
20080262966METHOD AND APPARATUS FOR INCREASING CHARITABLE DONATIONS BY PROVIDING INSTANTANEOUS DONOR RECOGNITION - Charitable donations are increased by automatically providing immediate on-line recognition of on-line donors. A list of donors is maintained on a Web page acknowledging the on-line contributions. Donor names on the list can be links to additional information about the donation or the donor. Information about donor and donation is entered by the donor, who can specify what information is to be published on the Web and what information is to remain unpublished. The donor list can be arranged in order of donation size, and donors can compete for position on the list. The donor information can indicate membership in a group, and donations can also be totaled by group to encourage donation competition between groups.10-23-2008
20090204537Payment Method for Content, Mobile Equipment and Content Item Implementing the Method - The invention relates to a payment method for content, e.g. a content item protected by a Digital Rights Management (DRM) scheme. The content item contains a payment directive that automatically invokes a payment procedure before the content item may be used. The payment directive specifies how to utilise payment methods in the wireless network in order to grant access to the content downloaded in the device. The content item may be downloaded first but is not enabled until a payment has been initiated. The invention also relates to mobile equipment implementing the method and the corresponding content item.08-13-2009
20110231312PAYMENT ACCOUNT MONITORING SYSTEM AND METHOD - A network includes an account status system for checking the status of checking accounts used to make payments, and a payment account monitoring system that includes linking files that store, for individual credit card accounts, the account numbers for checking accounts used to pay the credit card accounts. The monitoring system periodically retrieves checking account numbers from the linking files and checks the account numbers at the status system. If a negative status is indicated at the status system, an alert is provided to the credit card company.09-22-2011
20110231311METHOD AND SYSTEM FOR PROCESSING MESSAGES IN A BILL PAYMENT AND PRESENTMENT SYSTEM OVER A COMMUNICATIONS NETWORK - In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.09-22-2011
20110231310VEHICULAR-BASED TRANSACTIONS, SYSTEMS AND METHODS - Various systems and methods are described for conducting and staging money transfer transactions from a vehicle. The systems and methods may include using a wireless transmitter on board the vehicle for wirelessly communicating with a money transfer system. Also, a user-input device integrated with the vehicle's navigation system, entertainment system, and/or climate system may be used. Using the wireless transmitter, the user-input device may interface with the money transfer system. Also, one or more identity authentication devices may be integrated with the vehicle that collect information to authenticate a user's identity.09-22-2011
20090106146Systems and Methods for the Provision of Postage - Systems and methods for providing postal services which allow customers to flexibly obtain postal services while also allowing customers to defer the payment of postage until the time of mailing or later. Information provided by a postal service is used to identify items that have been processed by the postal service, allowing a service provider to collect payment for those items after they have been provided to the postal service for processing.04-23-2009
20090204538USER INTERFACE AND SYSTEM INCLUDING SAME - A graphical user interface including a controller for redistributing funds between a first account and a second account. The controller includes a slidable element positionable over a fixed background element to define a first segment and a second segment of the background element. A length of the first segment is representative of a balance of the first account, and a length of the second segment is representative of a balance of the second account.08-13-2009
20120197790CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH DRAW NOTIFICATION FEATURES - Systems and method for managing a construction payment process. When instructions are executed by a processor, an application server determines a date on which a draw is to occur for a construction project and generates a notification. The notification includes an indication of the date on which the draw will occur and an invitation to initiate a request for payment to be included in the draw. The application server then determines a plurality of participants associated with the construction project to be included in the draw and transmits the notification to the determined plurality of participants. The application server initiates the draw on the determined date and at least one participant of the determined plurality of participants receives a payment in the draw.08-02-2012
20120197788TRANSACTION PROCESSING ENGINE FOR BILL PAYMENT TRANSACTIONS AND THE LIKE - A payment processing network operator obtains, from customer service providers, a first plurality of messages specifying a plurality of bill payments to a plurality of biller entities. Said first plurality of messages specifies, for each of the bill payments, an amount and an intended one of the biller entities to be paid. Based on the first plurality of messages, the operator of the payment processing network dispatches, to the plurality of biller entities, a second plurality of messages to initiate the plurality of bill payments. The operator of the payment processing network obtains data that specifies when at least some of the first plurality of messages are to be obtained and/or when at least some of the second plurality of messages are to be dispatched. Obtaining the first plurality of messages and/or scheduling dispatching the second plurality of messages are carried out in accordance with the data.08-02-2012
20120197789CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH AUTOMATIC NOTIFICATION WORKFLOW FEATURES - Systems and method for managing a construction payment process. An input is received from a first participant and one of a plurality of stored notification workflows is accessed from a memory based on the information received from the first participant. Each stored notification workflow defines a sequence of automatic electronic notifications that are transmitted from the application server to one or more participants in the construction project in response to one or more predetermined events. Based on the accessed notification workflow, a second participant is identified and a first notification is automatically transmitted to the second participant. A response to the first notification is received from the second participant through an electronic form. The content of the response is automatically processed and a second notification is transmitted to a third participant based on the accessed notification workflow.08-02-2012
20120197786PHONE NUMBER PAYMENTS FOR BILL PAYMENTS USERS - Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user's Bill Pay account, which is associated to the user's financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer's financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees.08-02-2012
20090254478SYSTEM AND METHOD FOR FLEXIBLE DEFERRED PAYMENT TERMS - A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.10-08-2009
20100274715SYSTEM AND METHOD FOR LEGAL DOCUMENT AUTHORING AND ELECTRONIC COURT FILING - A system for legal document authoring for a legal action and electronic court filing of such legal documents provides an online network for subscribers. The system provides a direct mechanism (and a web portal mechanism) for submitting a claim file containing party and claim information necessary for automatic legal document generation based on an auto-selected destination court (in some embodiments) and further based on at least certain party and claim information. The automatically-generated legal documents are compliant with the requirements of the destination court, providing end-to-end automation for improved efficiency in judicial debt collection. The system also provides an online network for facilitating communications between subscribers (litigants) and the court systems.10-28-2010
20090248575AUTOMATIC SUBSCRIPTION TO PAY CONTENT - A system to autonomously authorize billing for a subscription plan for a user using data including available subscription services, a user profile, and a user supplied criteria for subscription service selection such as a spending limit related to the available subscription services. In one embodiment, the present invention may rate the available subscription services in accordance with the user profile and may then select a given number of high rated subscription services for the subscription plan. The user profile may be updated to reflect changes in a user's preference. The subscribed content may be provided to the user as a personal television channel.10-01-2009
20080306867METHODS AND SYSTEMS FOR MANAGING GOVERNMENT ISSUED ENTITLEMENTS - A method for designating accounts for funds from a check to be deposited is described. The method includes receiving, at a processing center having a processor, a direct deposit government entitlement check from a government entity to be deposited. The check may include an identifier. The method further includes comparing the identifier with a customer database to determine that funds from the check have been designated to be divided into sub-amounts and deposited into a plurality of accounts. Each of the plurality of accounts has account type and an associated expenditure designation. The method then receives a report of a total amount deposited from the check for each type of associated expenditure designation and each account type.12-11-2008
20100161482SYSTEM AND METHOD FOR ROAMING BILLING FOR ELECTRIC VEHICLES - A vehicle charging station for use with a system for transmitting charging power to an electric vehicle is configured to receive a unique identifier from the electric vehicle and determine a preferred electrical charging power provider based on the identifier. Vehicle charging station is further configured to determine an account associated with the preferred provider and with the identifier, deliver a quantity of electrical charging power to the electric vehicle, and meter the quantity of electrical charging power delivered to the electric vehicle.06-24-2010
20120197791SYSTEM FOR MEASURING ELECTRICITY AND METHOD OF PROVIDING AND USING THE SAME - Some embodiments include a system for measuring electricity. Other embodiments of related systems and methods are also disclosed.08-02-2012
20100205093METHOD AND SYSTEM FOR AN INTER-FINANCIAL INSTITUTION TRANSACTIONAL NETWORK - Systems and methods for conducting transactions across financial institutions are presented. More specifically, in one embodiment a financial transaction center may be provided such that transactions may be coordinated and controlled utilizing the financial transaction center. The financial transaction center may determine a financial institution associated received requests and issue requests to financial institutions. By coordinating the fulfillment of transactions between financial institutions through the financial transaction center a level of abstraction may be introduced whereby transactions may be conducted across financial intuitions without knowledge of host systems at the financial institutions or overly compromising the privacy or security of these host systems.08-12-2010
20100198723ROUTER-BASED REMITTANCE SYSTEMS AND METHODS - In some aspects, what is disclosed relates to a processor-based payment method for transferring user-provided payment data through a router that parses the payment data and transfers the parsed data to a plurality of receivers in distinct locations, detecting the parsed data at each of the plurality of receivers, and originating an ACH debit against the user, or an e-check, based on the parsed data.08-05-2010
20120197792Verifiable Service Policy Implementation for Intermediate Networking Devices - Various embodiments are disclosed for a services policy communication system and method. In some embodiments, an intermediate networking device acts as a service intermediary or intermediate connection between a network and one or more communications devices; implements a service policy set for assisting control of the intermediate networking device use of a service set on the network, the service policy set including one or more service policies associated with the intermediate networking device or one or more communications devices connected to the intermediate networking device, the service set being one or more network services used by the intermediate networking device or one or more communications devices; and monitors use of the service set based on the first service policy set, in which the implementation of the service policy set is verified.08-02-2012
20120197787MOBILE WALLET EXPERIENCE FOR RESOLVING CONFLICTS BETWEEN DIFFERENT FINANCIAL INSTITUTIONS AND PAYMENT VEHICLES - In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet experience is disclosed. The experience aids to resolve conflicts between numerous payment vehicles and, particularly, financial institution-specific programs or sub-experiences on a mobile device. The mobile wallet experience permits a user to freely navigate various payment vehicles and, importantly, navigate efficiently through a plurality of financial institution sub-experiences.08-02-2012
20100223180METHODS, SYSTEMS AND AGREEMENTS FOR INCREASING THE LIKELIHOOD OF REPAYMENTS UNDER A FINANCING AGREEMENT FOR RENEWABLE ENERGY EQUIPMENT - A system is provided for increasing the probability of timely receiving payment under an agreement between a consumer and a non-utility entity for providing financing for renewable energy consumer premises equipment (CPE) by the consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid or to the consumer's premises, the system comprising: a computer for monitoring consumer financial information for by the non-utility entity to detect the consumer's financing default in accordance with the agreement, wherein the renewable energy CPE including a PV array and a control device coupled to the PV array for controlling the operation of the PV array and any power generated by the CPE upon a default detected by the computer.09-02-2010
20100153265SINGLE PAGE ON-LINE CHECK-OUT - A single page on-line checkout includes a dynamically changing visual receipt and options for both payment and shipping. In one embodiment, the visual receipt enables the user to select an item on the visual receipt for display as a visual representation on the visual receipt. The screen refreshes to show an updated visual receipt when a payment or shipping option is selected. Additional payment or shipping options can be easily added and shown on the checkout page or screen.06-17-2010
20090076957Systems and Methods for Allocating an Amount to a Third Party Biller - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.03-19-2009
20100241561LIFE-STAGE INSURANCE - A method for providing a lifestage insurance product for a customer includes receiving an insurance allocation for each of a plurality of lifestages. The plurality of lifestages includes a first lifestage and a second lifestage. Insurance coverage of a first lifestage is provided for the customer in accordance with the insurance allocation of the first lifestage. The insurance coverage from the insurance allocation for the first lifestage is shifted to the insurance allocation for the second lifestage upon determining a shift in lifestages has occurred.09-23-2010
20090043700SYSTEM AND METHOD FOR DEPLOYING APPLICATION PROGRAM COMPONENTS HAVING A SERVICE SECTOR - A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The wireless device, such as a cell phone, personal digital assistant, or palm top computer may include an auxiliary device such as a bar code scanner, a magnetic stripe card reader, or a printer. The business sector or service sector may monitor or limit utilization of the auxiliary device. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message. Distributed processing application programs having components in the business, service, and mobile sectors may thereby be updated in an orderly manner. An application program on a wireless device may assist confirmation of an order made by a buyer via a web site. The wireless device is expected to be operated by the buyer. Fraud reporting is accomplished by comparing data obtained by registration of the wireless device with data provided in the confirmation.02-12-2009
20100235277SYSTEM FOR CLEARING FINANCIAL TRANSACTIONS - A system is provided for clearing financial transactions as between banking institutions optionally by way of one or more clearing houses. A plurality of banking institutions are each enabled to communicate directly with each other and with at least one clearing house. Each banking institution has a computerised server programmed to address clearance requests to at least some of the plurality of banking institutions in the system by way of a particular route. The computerised server of at least one banking institution in the system is programmed to route clearance requests selectively and, as may be necessary, sequentially directly to one or more of the other banking institutions and clearing house in the alternative. Selection means associated with the computerised server are provided for selecting a particular one of said at least one other banking institution and clearing house according to a predetermined sequence and typically according to least cost.09-16-2010
20100235276Systems and Methods to Process User Initiated Transactions - Systems and methods are provided to process transactions initiated by users of mobile devices. In one aspect, a system includes a data storage facility to store phone numbers of users, and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to transmit at least one premium message to a mobile phone at a first telephone number to provide an amount to the mobile phone using funds associated with a second telephone number, in response to a request initiated from a mobile phone at the second telephone number.09-16-2010
20100211499SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR OPTIMIZING ROUTING OF FINANCIAL PAYMENTS - Systems, methods, and computer program products are provided for optimizing routing of financial payments by determining routing on a per-payment transaction basis based on one or more routing rules. The routing rules take into account payment factors such as, but not limited to, cost of payment processing, time for payment processing, risk/quality of payment processing, remittance requirements and/or the destination of the payment. From the payor or payee perspective, payor-defined or payee-defined payment attributes associated with these or other payment factors can be predefined in a payor/payee profile or dynamically defined proximate to the time at which the payment request is initiated. In this regard, present embodiments serve to create a payment process that is beneficial, in terms of cost, timeliness, quality and the like, to both the payor, the payee and financial institution handling payment processing.08-19-2010
20130218762METHOD AND SOFTWARE APPLICATION AND SYSTEM FOR AUTOMATED BILL PROCESSING - Methods and systems are provided for processing one or more bills of a biller.08-22-2013
20130218763SYSTEMS AND METHODS FOR PROVISIONALLY TRANSFERRING AN ELECTRONIC CURRENCY - Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and an asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith with their respective custodian(s). The transfer of a PEAC note may be tied to one or more transfer conditions. A PEAC note may be provisionally transferred from a first entity to a second entity subject to one or more transfer conditions. When the transfer conditions are met, the PEAC note may be permanently transferred to the second entity.08-22-2013
20110029434SYSTEM AND METHOD FOR FACILITATING PAYMENT TRANSACTIONS - A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider.02-03-2011
20110029433IMPORT/EXPORT TRANSACTION FACILITY - An import/export facility; said facility including computer implemented software resident on servers and databases maintained by a Central Control Facility; said software providing for registration of Importers and Exporters and at least one Bank in each country of operation of registered said Importers and Exporters; said registration effected by accessing Internet web pages generated and transmitted by said software; said at least one Bank registering on behalf of a said registered Importer, a Hybrid Bank Guarantee with said Central Control Facility; a registered Exporter registering with said Central Control Facility an invoice against said Hybrid Bank Guarantee for a transaction with a said registered Importer, and wherein said software executes steps to monitor registered invoices against said Hybrid Bank Guarantee; said steps including: 02-03-2011
20120143750Vending Modified Climate Control Device - A user input comprising a climate control parameter is received. A climate control subsystem that is configured to modify an environment based on the climate control parameter is activated. A payment message that is based on a usage parameter is transmitted to a billing system. The payment message results in a charge being made to an account of the user.06-07-2012
20090254477REVERSE FACTORING SYSTEM AND METHOD - The reverse factoring method and system provides an efficient and convenient way to process invoice payments from the buyer to its vendor via the factor. Since a single factor pays the vendor on behalf of the buyer at a nominal fee, both the buyer and the vendor benefit from the transactions. Both the vendor and the buyer enjoy better cash flow since the vendor receives expedited payments while the buyer stretches the payments. In addition, the factor substantially reduces the credit risks in reverse factoring since the factor pays only the invoices that the buyer approves for payment. The improved reverse factoring is achieved by efficient data flows and interfaces among the vendor, the buyer and the factor.10-08-2009
20100191646Systems and Methods to Facilitate Electronic Payments - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats; and the converters are configured to communicate with the common format processor in a common format to facilitate electronic payment transactions using the account identifier.07-29-2010
20090210343PAYMENT SYSTEM - A method for processing a payment from a payor for an asset and notifying an operator of said asset of said payment, is disclosed comprising the steps of: receiving a communication from a payer using a communication device via a communication channel, said communication comprising a request to make payment associated with an asset; determining an identifier of said payer; receiving from said payor an identifier for said asset; receiving from said payor a payment amount; determining a payor account from which to process said payment; determining a payee associated with said asset; determining a payee account into which to process said payment; processing said payment from said payor account to said payee account; determining an operator associated with said asset; and notifying said operator via a second communication channel of said payment.08-20-2009
20090319422SECURE ELECTRONIC PAYMENT MESSAGING SYSTEM WITH RECONCILABLE FINALITY - A transfer network system for providing communications between commercial buyers and suppliers and their respective banks is provided. Client systems in communication with the transfer network system operate under a secure legal and technical regime in order to provide an architecture that supports the exchange of messages to conduct commerce. This commerce may include instructions related to the transfer of funds directly from an account of the buyer to the supplier. Because of the secure legal and technical framework, this financial transaction can be conducted in real-time and finalized in real-time without the need for delay or the use of clearinghouse to settle the transaction.12-24-2009
20110238569MOBILE PAYMENTS - A method and system for processing payment transaction at a computing device is provided. The method includes receiving a payment request at the computing device from a purchaser terminal, the payment request including purchaser information, determining whether payment information associated with the purchaser information exists at the computing device, and processing payment transaction using the payment information if it is determined that the payment information associated with the purchaser information exists at the computing device.09-29-2011
20090112760Payment Handling - Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.04-30-2009
20090112759ACCUMULATED TRANSACTIONS - A system and method of terminating a transaction between a merchant and customer are disclosed.04-30-2009
20090112758SYSTEMS AND METHODS FOR MEASURING UTILIZED GENERATION OF AT-PREMISE RENEWABLE POWER SYSTEMS - A computer processor implemented method of measuring utilized generation of at least one at-premise power system to a consumer, the method comprising the steps of; providing at least one at-premise renewable power system, at least one meter in communication with at least one said at premise renewable power system and at least one wireless communication node in communication with at least one meter; determining usage from each meter, wherein at least one of the meters collects usage data from at least one at-premise renewable power system. A first meter collects data input from a pulse meter to provide primary input, a second meter collects data input from a secondary source meter to provide secondary input and the utilized generation is arrived at by subtracting the secondary input from the primary input.04-30-2009
20080275816Method and System for Increasing Client Participation in a Network-Based Bill Pay Service - In a network-based bill pay service including a navigating software for emulating a client in network navigation, a software application for collecting and normalizing client data, and a network interface for presenting the information to the client, a method for increasing the level of client participation in the service includes steps (a) navigating to a client site; (b) accessing and mining client data for payee account data; (c) analyzing the mined payee account data for fullness of information and if required searching and adding new relevant information to the payee account data; (d) formatting the payee account data into an interactive bill pay account module; and (e) presenting the bill-pay service option and the bill pay account module relative to the payee account data to the client as an opportunity.11-06-2008
20100299253Recurring Transaction Processing - Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.11-25-2010
20100306103System and method for waterfall prioritized payment processing - The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.12-02-2010
20100306104AGGREGATED POSTAL BILLING AND PAYMENT METHODS AND SYSTEMS - A computer-implemented method for a trusted entity such as a Post Office to process bills from a plurality of billers includes generating aggregated listings of bills to be submitted each identified customer and making the aggregated listings available to each identified customer. The trusted entity may then receive orders to effectuate payment of selected ones of the bills in the aggregated listings from customers. The first trusted entity may request that a second trusted entity designated by each identified customer (such as a bank) guarantee availability of funds sufficient to cover payment of the bills selected for payment. A third trusted entity (a central bank) may then be instructed to carry out the payments specified in each of the received orders in batch mode by transferring the payments from the second trusted entities designated by the customers to respective fourth trusted entities (e.g., banks) designated by the billers.12-02-2010
20130144782ELECTRONIC INVOICE PAYMENT PREDICTION SYSTEM AND METHOD - A system and method is presented for predicting a status change of a particular invoice from among a plurality of invoices within a database, where an invoice status relates to an event occurring in a timeline of events associated with payment of the invoice. The system and method may predict when the status of the particular invoice will change by analyzing those invoices of the plurality of invoices that are associated with a given buyer, where the given buyer is the buyer associated with the particular invoice. The prediction may be a function of the date of a previous event in the sequence of events associated with the particular invoice and an average timeline of events associated with payment of invoices by the given buyer.06-06-2013
20110119180ELECTRONIC SETTLEMENT METHOD - The present invention relates to an electronic payment method, wherein when an account-receivable issuer issues an account receivable to a receiving party, the financial institution of the receiving party notifies a third-party payment system of the issue of the account receivable, all companies subscribed to the third-party payment system become issuers using the received account receivable or electronic certificate as securities and can issue electronic certificates, all the receiving parties which have received the electronic certificates can request the encashment of the corresponding electronic certificates from the third-party payment system by using the electronic certificates as securities in case where new electronic certificates are not issued, when the encashment is requested, the third-party payment system tracks the path of all the electronic certificates and the account receivable related to the electronic certificates for which the encashment has been requested, and the encashment is performed on the financial accounts of all the companies on the path.05-19-2011
20100325042PAYMENT SERVICE TO EFFICIENTLY ENABLE ELECTRONIC PAYMENT - A method to redirect a browser client is disclosed. The method comprises storing information at a payment service web site that includes a return URL (uniform resource locator) corresponding to a web-based interface hosted by a merchant web site. Next, the method comprise extracting the return URL embedded in the information and comparing, the return URL to a reference return URL corresponding to the web-based interface hosted by the merchant web site. Finally, the method comprises identifying the return URL matches the reference return URL and redirecting the browser client to the web-based interface hosted by the merchant web site responsive to the identifying the match.12-23-2010
20100332383WIRELESS COMMUNICATION DEVICE ACCOUNT PAYMENT NOTIFICATION SYSTEMS AND METHODS - Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.12-30-2010
20100332384TRANSACTION AGGREGATION ENGINE - A database may be accessed to obtain data for a plurality of payment transactions. The plurality of payment transactions may be associated with at least one requestor and two or more providers. A first set of payment transactions are presented to the at least one requestor. The first set of payment transactions are selected from the plurality of payment transactions and aggregated based on having a first common provider selected from the two or more providers.12-30-2010
20110016044Processes and systems employing multiple sources of funds - Processes and systems employing multiple sources of funds to fund expenses incurred during a project. Venders retained to perform services or supply goods during the project submit invoices for approval. Invoices are approved and verifications are obtained that verify that funds from a primary source of funds, such as a secured loan, are available to cover the invoices. Invoices are paid with funds from a secondary source of funds, such as an unsecured loan. The funds withdrawn from the secondary source are repaid with funds from the primary source. Use of the secondary source of funds enables for prompt and efficient payment of vendor invoices. The secondary source may provide other incentives for use in the project. During implementation, an eCommerce system facilitates prompt payments and provides status and alert information to the various parties involved, automatic procurement of lien releases, vendor on-line bidding capability and other functionality.01-20-2011
20110016045SYSTEM AND METHOD FOR PRICING OF MERCHANT ACCOUNTS - A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to provide a quote to the merchant for payment processing. A transaction pricing system receives the merchant account data and provides transaction pricing data for payment transaction processing in response to the merchant account information. User access to one or more merchant account pricing algorithms that are used generate the merchant account pricing data in response to the merchant account data is restricted to a predetermined set of users, so as to prevent unauthorized users from obtaining access to the merchant account pricing algorithms.01-20-2011
20110029432COMPUTER-IMPLEMENTED METHODS OF PROCESSING PAYMENTS FOR A MERCHANT SELLING GOODS OR SERVICES TO A CONSUMER - A computer-implemented method is provided of processing payments to a merchant for selling goods or services to a consumer. The computer-implemented method comprises at a first time, receiving from the consumer a first payment made by a first payment instrument for a first purchase of goods or services, at a second time which is after the first time, receiving from the consumer a second payment made by a second payment instrument which is different from the first payment instrument for a second purchase of goods or services, and processing the first and second payment instruments to link the first and second payment instruments to the same consumer and thereby allowing the merchant to link the first and second purchases of goods or services without having had to ask the consumer for any personal information.02-03-2011
20110035317SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY - Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.02-10-2011
20080288399Ex vivo methods for testing organ system disruption - Properties such as toxicity of substances may be determined by assaying properties, fates and effects of substances in an ex vivo metabolically active human organ or tissue under normothermic perfusion with a fluid containing a test substance. The data can be used as, for example, part of a submission to a government regulatory organization. Preferred methods use perfused endocrine gland organs or tissues to evaluate hormone or other bodily chemical disruption caused by substances and pre-donation diseased or injured organs or tissues.11-20-2008
20100161480SYSTEMS AND METHODS FOR DELIVERING ENERGY TO AN ELECTRIC VEHICLE WITH PARKING FEE COLLECTION - A method for delivering energy to an electric vehicle includes coupling the electric vehicle to an energy delivery point, delivering energy to the electric vehicle, determining a parking cost, and determining transaction costs based on at least one of an amount of energy delivered to the electric vehicle and the parking cost.06-24-2010
20100217706BILL PAYMENT MANAGEMENT - Methods, systems, and/or computer program products for bill payment management includes determining a periodic payment amount for a customer based on at least one bill of the customer. The periodic payments are periodically charged to the customer by an entity and the entity pays the bill(s) from an account.08-26-2010
20090240622Method and System for Payment Processing - A system and method are provided which include providing a payment processor including a first processing module identifying the payer and an actual payment due based upon received information and a second processing module determining the account from which the actual payment due is to be paid based on the stored information. Communication is had with the payment processor via a mobile device to provide information about an actual payment due by a payer, and the payment processor effectuates payment of the actual payment due in accordance with the stored information.09-24-2009
20090216675Commission Centric Network Operation Systems and Methods - Embodiments of the invention can provide commission centric network operation systems and methods. In one embodiment, a commission centric network operation method can be provided. The method can include receiving an electronic transaction. The method can further include determining an electronic transaction type associated with the electronic transaction. Furthermore, the method can include determining a commission amount based at least in part on the electronic transaction type.08-27-2009
20100070410Method and apparatus for value and or revenue sharing by commerce participants - A method whereby the relative contribution of value added to e-commerce sites by users such as contributors, browsers, buyers and sellers are measured and weighed while these users are vesting in a prorated share of either or both the revenue and asset value created by their participation, less the portion kept by the company or provider. Each user's contribution is vested instantly, dynamically and objectively by measuring relative revenue or web traffic that results from their participation.03-18-2010
20100063924PAYMENT APPLICATION FRAMEWORK - Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request is for a split payment to a plurality of receiving parties. The request is processed to establish one or more payment transactions. A single transfer of funds is sent from an account of a sender to at least one account of a receiving party of the plurality of receiving parties.03-11-2010
20100063922PAYMENT PROCESSING DEVICE SIGNATURE VERIFICATION - Devices and methods for signature authentication of a bearer of a payment processing device during financial transactions are provided. The payment processing device is provided with a signature input panel configured to receive user input signature information for the purpose of authenticating the signature. After the bearer of the payment processing device writes her signature into the signature input panel, the input signature information is compared to a pre-stored signature profile stored in the payment processing device for authentication.03-11-2010
20100063925METHOD AND SYSTEM FOR PERFORMING LEGAL SERVICES OVER THE INTERNET - A method and system for rendering certain types of legal services, by licensed and practicing lawyers, to clients and potential clients of a law firm. The method and system comprises certain client-software components and server computers which facilitate the acquisition of information entered by the client and specific legal service requests and server-software components which receive, process and store the client's information performing in whole or in part various legal services.03-11-2010
20100063923SYSTEM AND METHOD FOR ANNUITY PROCESSING - The present invention provides a system, apparatus, and method for annuity processing. In some embodiments, an annuity processing module is used in conjunction with an internet-based patent- and trademark-application management system. This annuity-processing module reflects a software implementation of various business rules or methods associated with paying the annuity due on a patent. These rules are, in some embodiments, derived from various laws relating to the payment of annuities. In some embodiments, these rules are provided to a workflow engine via a DTD or XML schema. The workflow engine manages the execution of the various business rules and states associated with this execution. These rules, including the decision to make a payment, can be manually executed or automatically executed by a member of an organization implementing the annuity payment module as a part of a larger system. This larger application could, in some embodiments, be an internet-based patent- and trademark-application management system.03-11-2010
20100070411NON-REVERSIBLE PAYMENT PROCESSING - Methods and system for non-reversible payment processing are described. In one embodiment, a request for non-reversible payment for a sender may be received. The request for non-reversible payment may include a payment amount and a payment receiver identifier. The payment receiver identifier may be associated with a payment receiver. A sender account of the sender may be decreased by the payment amount. A payment receiver account of the payment receiver may be increased by the payment amount. A notification of non-reversible payment may be provided to a payment receiver that the increasing of the payment receiver account by the payment amount is non-reversible based on the receiving of the request for non-reversible payment.03-18-2010
20100057612KIOSK BASED PURCHASING SYSTEM - A kiosk based purchasing system coupled by a network to a payment processor and fulfillment house. The system includes a plurality of kiosks coupled to one or more servers. Each of the kiosks has an embedded computing system configured to display information related to product offerings stored in its system memory to a customer without accessing the network. Customers input orders and related payment information into the kiosks. Each order identifies at least one product and includes a shipping address. Each kiosk transmits each order and related payment information to the servers. The servers transmit the payment information to the payment processor, which either approves or rejects the payment. If the payment is approved, the server transmits the order to the fulfillment house, which ships the products identified in the order to the shipping address. Kiosks may be transported to events, and configured to sell products related to those events.03-04-2010
20110082788Electronic Funds Transfer - A consumer may make an electronic bill payment from his financial institution account to an intermediary for a certain amount. Data related to the bill payment transaction may be sent to a facilitation server associated with the intermediary. This data may be filtered to determine whether or not the data represents a valid bill payment transaction. If it does, an intermediate account provided by the intermediary, or an account of a third party (such as an on-line merchant) may be immediately credited with the amount of the bill payment so that the consumer can immediately use those funds in an on-line purchase.04-07-2011
20100125521Biller focused business to business electronic invoice presentment and accounts receivables reconciliation system - Billers and payers can resolve the disputes online and billers can pre-reconcile their systems with the changes. Payments received thru bank lockbox will be reconciled against the invoices and exceptions will be highlighted again allowing pre-reconciliation. The system allows a biller to present invoices over internet and interact with payors for efficient settlement of invoices. By eliminating the on-line payment initiation, the system will be able to drastically shorten the pilot timeframe and associated cost while still delivering a significant set of functionality and value to the user.05-20-2010
20110071942SYSTEM FOR AUTOMATICALLY TRANSFERRING ACCOUNT INFORMATION, SUCH AS INFORMATION REGARDING A FINANCIAL SERVICES ACCOUNT - A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine services at the old account and facilitate the transfer of these services to the new account.03-24-2011
20110078078METHODS AND SYSTEMS FOR ELECTRONIC BILL PRESENTMENT AND PAYMENT - The present invention provides methods and systems for processing bills for a customer. A request for master data of the customer is received from a first processing module by means of a second processing module having access to the master data of the customer and the master data comprising bill format information. The second processing module sends the requested master data to the first processing module and receives a bill in a format specified in the master data of the customer from the first processing module.03-31-2011
20110078077Systems and Methods to Facilitate Online Transactions - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a plurality of converters to interface with a plurality of controllers in different formats for delivery of premium messages sent by the system to collect funds; and a common format processor coupled with the plurality of converters in a common format to send the premium messages. The common format processor is configured to receive requests to pay respective merchants according to respective purchase prices for respective items purchased by respective customers, dynamically determine respective service fees for processing respective payments for the respective items to have different ratios between the respective service fees and the respective purchase prices, determine combinations of premium messages, and send the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.03-31-2011
20110078076SHORT CODES FOR BILL PAY - A system and method for secure transfer of a debt payment, according to one or more embodiments, provides for: receiving a request for a billing service from a biller; providing a reference code to the biller in response to the request, in which the reference code uniquely corresponds to a bill code; receiving a reply corresponding to the bill code from a customer via a network-based device in response to the bill code being included in a bill to the customer; and transferring a payment corresponding to the reference code to the biller while keeping selected financial information of the customer secure with respect to the biller.03-31-2011
20110071943SYSTEM AND METHOD FOR EXECUTING CASH PAYMENTS VIA A COMPUTER NETWORK - The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM. The ATM receives the payment instructions and dispenses the payment upon receipt of the PIN code. Receipt data is also generated by the ATM control server, translated into the native format of the P2P server by the cash payment server, and delivered to the payor and payee via the P2P sever.03-24-2011
20120303522METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS - A method and apparatus for facilitating online payment transactions between participants in a network-based transaction facility are described. In one embodiment, user interface information that identifies various payment instruments available for processing online payment transactions is communicated to and received by a first participant via a communications network. Payment option information indicating the willingness of the first participant to accept a payment from a second participant via one of the various payment instruments is passed to the second participant via the communications network. Personal billing information concerning a selected payment instrument from the various payment instruments is accepted from the second participant to facilitate an online payment transaction between the first participant and the second participant.11-29-2012
20100312696VIRTUAL SHARED ACCOUNT - Methods and systems according to one or more embodiments are provided for establishing and managing a virtual shared account. According to an embodiment, a method for a virtual shared account comprises setting up an n-member virtual shared account for achieving a goal over a network; adding members to the virtual shared account and contributing funds to the virtual shared account. The method may also comprise achieving the goal of the virtual shared account, and once the goal of the virtual account is achieved, the virtual shared account may be closed.12-09-2010
20120066121Brokered Bill Payment - A Requestor receives a bill from a Payee requesting payment for goods and/or services. If the Requestor wishes to solicit assistance in making a desired payment to the payee (e.g., if the Requestor has insufficient funds available to make the desired payment), the requestor directly or indirectly solicits assistance from contacts available to the requestor. Assuming that one or more of the Requestor's contacts agrees to assist in making the desired payment to the payee, each Payor sends a payment to the Intermediary to be handled in trust on behalf of the Requestor. The Intermediary sends each payor's contribution to the Payee on behalf of the Requestor.03-15-2012
20110251952APPARATUS AND METHOD FOR BILL PRESENTMENT AND PAYMENT - A bill presentment service, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities via a plurality of consuming entity service providers, is provided under control of an operator of a payment processing network. Registration and preference data pertaining to each of the plurality of consuming entities are stored in a database, accessible to the operator of the payment processing network. A given one of the consuming entities which has switched from a first one of the consuming entity service providers to a second one of the consuming entity service providers is allowed to access the bill presentment service via the first one of the consuming entity service providers, prior to the switching, and via the second one of the consuming entity service providers, subsequent to the switching, using the stored registration and preference data. A subset of the registration and preference data pertains to the given one of the consuming entities. The given one of the consuming entities is allowed to access the bill presentment service via the second one of the consuming entity service providers without having to take any updating action as to at least a portion of the subset of the registration and preference data. Methods for a “one click” payment aspect, an aspect wherein a bill having a single biller account number associated therewith is routed from a billing entity to multiple consuming entity service providers for presentation to a consuming entity, and a transaction tracking aspect are also provided, as are corresponding apparatuses and computer program products.10-13-2011
20110251953METHOD AND SYSTEM FOR PROCESSING MESSAGES IN A BILL PAYMENT AND PRESENTMENT SYSTEM OVER A COMMUNICATIONS NETWORK - In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.10-13-2011
20100005025Interactive Bill Payment Center - A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network is provided. A bill-payment module is provided within the software suite and comprises, an interactive main interface accessible from the module for listing the bills due and payment accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing bill history, an interactive set-up link embedded in the main interface for providing access to a secondary interface for configuring recurring payments, an interactive transfer-funds link embedded in the main interface for providing access to a secondary interface for enabling automated transfer of funds between registered accounts, an interactive calendar link embedded in the main interface for providing access to a secondary interface for viewing calendar data, a plurality of interactive drop-down menus, each menu associated with a listed bill, the menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface. A user operating the main interface from a remote node having access to the data-packet-network may view all aggregated bills and initiate treatment of such bills according to selected interactive options. The treatment is ordered by the operating user and performed by proxy by a service entity hosting the interface.01-07-2010
20090164370Transfer Account Systems, Computer Program Products, And Associated Computer-Implemented Methods - A financial institution computer maintains a list of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select creditors. The computer estimates a value of prioritized payments and authorizes a sweep payment to the customer account from a stand-in account at a payroll processor, so that the estimated value is held back in the stand-in account. The financial institution computer then receives an incoming ACH file, including an automatic deposit destined for the customer account. The computer generates an outgoing ACH file with both an entry for an automatic deposit destined for the customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited and relatively instantaneously any prioritized payment is debited from the customer account. The customer account can be, for example, a demand deposit account or a prepaid card account.06-25-2009
20120203694PROCEDURE FOR THE JOINT CANCELLATION OF DEBTS OF SEVERAL ENTITIES - Procedure for the settlement of debts between two or more users registered in a server through an open network, which encompasses three phases; such as validation of the user, where the server sends an e-mail to the user, who confirms the registration from his/her account. Then there is validation of debts by the user, who enters the personal details and identification numbers of other debtors or creditors together with the amount requested on the website of the server. Subsequently, the server sends the debtor the request and the debtor confirms the debt and enters an accepted amount from a personal computer. Finally, the server stores the data of the debt with the lower of the amounts requested or accepted. Also, there may be transactions of debts, whose calculation is based on the creation of PERT graphs with a number of users and debts. The server stores the cancelled debts and creates debt cancellation certification documents.08-09-2012
20090138397Credit card payment system and method - A credit card payment system and method includes a zero-LOC card having a unique identification number and a zero line of credit issued to an individual or a small business. The zero-LOC card is appointed to be funded by at least one transfer from a funding card account to provide a credit balance on the zero-LOC card. A sub-product code is integrated within the card system to provide restrictions or expansions to usage and function of the zero-LOC card. Storage, computing and communication means are provided. Existing cardholders allocate their assigned lines of credits in creative ways to address their individual needs. The credit card payment system allows cardholders to allocate their unused credit lines at their own expense and to the mutual benefit of consumers, small businesses, merchants and credit card issuing companies, thereby facilitating more frictionless trade and growing the economy.05-28-2009
20090119210METHODS AND APPARATUS FOR OPERATING AN INTERMODAL FACILITY - Methods and apparatus to operate an intermodal facility are disclosed. In a method described herein, a carrier enters into a contractual agreement with a separate intermodal facility owner to have exclusive use of the intermodal facility. Alternatively, a rail-to-truck and/or truck-to-rail intermodal facility owner may provide non-exclusive use to multiple railroads. In one embodiment, the contractual agreement is a contingent lease. For example, if intermodal facility use falls below a threshold, a carrier may terminate the contingent lease. Preferably, the carrier has no minimum use requirements associated with the intermodal facility. Instead, the shipper associated with the carrier is charged by the intermodal facility owner based on the amount of intermodal facility use (e.g., on a per container basis). In one preferred embodiment, a real estate developer owns the intermodal facility and builds a business park near the intermodal facility in order to capture the related business.05-07-2009
20090119206METHODS FOR ROUTING A COMMERCIAL TO A DESTINATION DEVICE ON A LOCAL AREA NETWORK (LAN) AND RELATED ELECTRONIC DEVICES AND COMPUTER PROGRAM PRODUCTS - An electronic device is operated by receiving a commercial from a service provider. The commercial is processed to identify a destination device on a Local Area Network (LAN) to which the commercial is to be sent. The commercial is then sent to the destination device.05-07-2009
20080222035METHOD AND APPARATUS FOR MAPPING SOURCES AND USES OF CONSUMER FUNDS - A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and is authorized to transfer money from the deposit account to the accounts of various creditors. An originating depository financial institution, such as a bank, handles the transfers of money, and such transfers are preferably done electronically. The automated clearing house (ACH) network supports such electronic money transfers. The various bills and debts of the individual or couple come due at times that are asynchronous to their income structure. The bill-paying service is authorized to debit the deposit account for more than the basic minimums due the creditors each month. Such excess is used to accelerate the repayment of various loans and debts according to what particular application at that time will have the greatest long-term beneficial effect.09-11-2008
20080222034METHOD AND APPARATUS FOR MAPPING SOURCES AND USES OF CONSUMER FUNDS - A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and is authorized to transfer money from the deposit account to the accounts of various creditors. An originating depository financial institution, such as a bank, handles the transfers of money, and such transfers are preferably done electronically. The automated clearing house (ACH) network supports such electronic money transfers. The various bills and debts of the individual or couple come due at times that are asynchronous to their income structure. The bill-paying service is authorized to debit the deposit account for more than the basic minimums due the creditors each month. Such excess is used to accelerate the repayment of various loans and debts according to what particular application at that time will have the greatest long-term beneficial effect.09-11-2008
20120203693SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS - A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.08-09-2012
20080255989Systems and Methods to Facilitate Real Time Communications between Members of a Social Network - Methods and systems to facilitate real time communications and/or commerce via a social network. In one embodiment, communication references are provided to facilitate the requests for real time communications with a member of the social network via a connection provider, which performs scheduling, filtering, payment processing, etc. for the member of the social network. In one embodiment, a method includes, responsive to a request from a first member of a social network, determining a preference of a second member of the social network based at least in part on a characteristic of a social connection between the first and second members who are not socially directly connected in the social network; and facilitating real time communications between the first and second members in accordance with the preference. In one embodiment, the presentation of the advertisement or the advertiser is at least partially based on the social network.10-16-2008
20100332385ELECTRONIC PAYMENT TRANSACTION SYSTEM - Customers are enabled to pay a plurality of creditors via at least one manual payment to an intermediate trustee at a trustee site. A trustee processor disposed at the trustee site operable to process the at least one manual payment and to communicate with at least one of a host processor and a kiosk. The kiosk is disposed proximate to the trustee processor to receive batch payment information, from a customer, pertaining to payments to a plurality of creditors, the kiosk communicating with the host processor, and to process the batch payment information pertaining to the payments to the plurality of creditors. The host processor is disposed at a service provider site remote from the trustee site and adapted to communicate with the kiosk. The host processor receives the batch payment information from the kiosk.12-30-2010
20080249934COMPUTER-BASED PAYMENT TRANSACTION SYSTEM AND REPOSITORY - One embodiment of the invention relates to a method of operating a payment transaction system maintained by a first party who receives an instruction for a first transaction. The instructed first transaction is directed from a second party to a third party, and includes a transaction date on which the payment transaction system is to give effect to the first transaction. The first party stores the transaction instruction into a database, and permits the third party to access those transaction instructions stored in the database that are directed to the third party. The first party then receives a request from the third party to bring forward at least in part the instructed first transaction. In response to the request, the first party re-directs the first transaction at least in part from the third party to the first party. In addition, the first party creates a new instruction for a second transaction in the system. The second transaction is directed from the first party to the third party and has a second transaction date which is prior to the first transaction date.10-09-2008
20110010294FINANCIAL CARDS AND METHODS FOR PER-TRANSACTION PERSONAL FINANCIAL MANAGEMENT - Systems and methods for personal financial management using a financial card having a body with a front side and a back side, and a primary account number user associated with a primary account of a user of the financial card. A user interface is configured for receiving input from the user at a time of use of the financial card for selecting a subaccount indicator from among a plurality of subaccount indicators each of which is associated with a subaccount within the primary account. A magnetic strip is positioned on the back side and includes a user definable portion configurable by the user at a time of use of the financial card for a transaction. The user interface is adapted to configure the user definable portion to include the user selected subaccount indicator.01-13-2011
20110055080System, Program Product, and Method for Debit Card and Checking Account Autodraw - A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next, a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.03-03-2011
20110055079REAL TIME ACCOUNTS PAYABLE WEB SERVICE - A web service facilitates real time payment of suppliers' invoices with accounts issued by issuers to account holders. A payment request received by the web service from a client, identifying a credit limit for one commercial account in a pool thereof, is sent from the web service to the issuer to determine availability of the account and the credit limit for an account holder. If the issuer's response to the request confirms availability, payment instructions to the issuer are sent from the web service to pay the supplier's invoice. Alternatively, the request can be to determine availability of a single-use-account (SUA) and an adjustment to the account holder's credit limit from the issuer in order to make a future single payment on the SUA to the supplier for a purchase corresponding to a future invoice from the supplier who has not yet provided goods and/or services pertaining to the invoice.03-03-2011
20110022516Multiple Payments at One Click - A 1-click method for executing an expedited payment package of paying multiple bills right away through Internet. A user logs into an online bill pay account in a server system from a client system, and receives a web document specifying all bills including a 1-click-pay button. The user prepares a payment package of multiple bills, including a plurality of the identifications of the receiver, bill details, schedule definitions, and delivery details. After selection of 1-click-pay button performed by the user, the client system sends the payment package and a request to execute. Server system collectively processes bill payments the same day or right away according to the payment package and its settings but overriding the previously defined schedule for individual bill.01-27-2011
20110082789VENDOR PAYMENT CONSOLIDATION SYSTEM - Several related entities can owe payments to a single vendor. For example, several related companies can owe payments to developers who sell software using several storefronts operated by the related companies. To limit the number of payments made to the developer, a third-party payment processing entity can receive individual payments from each of storefronts for a developer, can aggregate he payments and convert their respective currencies if necessary, and provide a single payment on behalf of all of the storefronts to the developer. Because the payment processing entity is a third party (e.g., a bank) and not related to the storefronts, the tax or other advantages procured from having several storefronts can be preserved while reducing the costs of paying the developer (e.g., fewer transaction fees).04-07-2011
20110119179Processing Payment Transactions Between Enterprise Resource Planning Systems - In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee. The first ERP system formatted the invoice in a first format. The invoice is stored in a second format compatible with a second ERP system. The invoice has been converted from the first format to the second format, which is different from the first format. Approval of the invoice is received through the second ERP system. Authorization instructing a financial institution to transmit a payment to the payee is generated and transmitted to the financial institution. Confirmation of the payment to the payee is generated and transmitted to the payee.05-19-2011
20120150738SYSTEMS AND METHODS FOR AUTOMATED PREFUNDING OF COMMERCIAL PAYMENTS - Methods and systems for prefunded accounts are disclosed, which feature controlled credit limits on cards at the time of prefunding validation, creation of files that are electronically passed to a funding source, and implementation of a single use account. Various types of funding mechanisms can be utilized, including, ACH, wire transfer, or traditional check-based systems. According to the invention, an invoice that names a buying organization can be received by an entity offering prefunded account solutions. This can result in payment instructions being generated and funds being transferred from the organization to a funding entity. Once approval of a payment is received, a funded account can be created by transferring funding information by the solutions provider on behalf of the funding entity to a payment facilitator. When the seller generates account charge instructions, funds can be transferred from the payment facilitator to the seller.06-14-2012
20110125637SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SAVING AND INVESTING THROUGH USE OF TRANSACTION CARDS - A system, method, and computer program product are used for saving through use of transaction cards. This is done through associating a transaction account of the transaction card with one or more deposit accounts. An amount of funds to be deposited from the transaction account into the deposit account is established. A number of times a deposit will be made is established. A time duration between the deposits when more than one deposit will be made is established. An event that initiates at least a first one of the deposits is established. The amount of funds from the transaction card account is deposited into the deposit account based on the above criteria.05-26-2011
20110125636CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH LIEN WAIVER EXCHANGE FEATURES - A system and method for managing a construction payment process including establishing electronic communication between a payee device and a construction project management server and transmitting a lien waiver document to the payee through the payee device with a request for a signature. A signed lien waiver document is received from the payee and stored to a computer-readable memory. The payor is temporarily prevented from accessing the signed lien waiver document. A payment is transmitted to the payee from the payor after receiving the signed lien waiver document, but before transmitting the signed lien waiver document to the payor. Only after the payment has been transmitted is the signed lien waiver document transmitted to the payor.05-26-2011
20100100480Apparatus and Method for Bill Payment Card Enrollment - A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date. An alternative technique using an operator of a payment network is also disclosed, as are corresponding systems.04-22-2010
20100262539METHOD OF INTERACTING WITH PRINTED FORM - A method of interacting with a printed form. The method includes the steps of: maintaining a page description corresponding to a printed form; receiving, indicating data from an optically imaging pen operated by the user, the indicating data being indicative of the identity of the form and of a position of a nib of the pen relative to the form; retrieving the page description using the identity of the form; and identifying an interaction with the form using the position of the nib and the retrieved page description. The position of the nib is determined by inferring a perspective transform from perspective-distorted corners of a tag of known size when sensing the coded data and using the perspective transform together with a known geometry of pen optics to compute the position of the nib.10-14-2010
20100262538METHODS AND SYSTEMS FOR CHECK OR ELECTRONIC BILL PAYMENT USING PORTIONAL CREDITING FROM ADDITIONAL AVAILABLE CASH AND CREDIT BALANCES - The present invention provides check (draft) payment or electronic bill payment using alternative debiting and accounting functions from associated cash or credit balances that allow flexibility and control by the payer or credit balance provider for enabling crediting of check or electronic bill payments to additional cash or credit balances that further provide opportunities for the account provider or financial institution to have additional income from providing such methods and systems.10-14-2010
20120310825System and Method for Syndicated Transactions - A transaction system has a first Internet-connected service provider enterprise and second enterprises maintaining each at least one financial account for a user. Third enterprises maintaining billing accounts associated with the users. There is an interactive interface that displays account balances and bills. The user, through the interactive interface, commands payment of a bill from an account by drag and drop.12-06-2012
20120310824MONETARY TRANSACTION SYSTEM - Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system. This entity may be a person, a retail store, an agent or other entity.12-06-2012
20120150737PAYMENT TRANSACTION CLIENT, SERVER AND SYSTEM - The invention relates to a system for handling payment transactions, comprising a payment transaction client and a payment transaction server. A customer identifies himself by providing a code to a shop, preferably by a bar code. The shop sends customer identification, shop identification, client identification and the amount to the server. The server looks up further customer information, checks the balance on the account of customer and issues a payment confirmation code to the mobile telephone of the customer if the customer has enough credit on the account. The customer provides the code to the shop or directly to the client, upon which the client sends the payment confirmation code and further information like the information sent previously to the server. If the confirmation code received matches the confirmation code issues early, the server executes the payment or instructs a bank to execute the payment.06-14-2012
20090299899Impulse donation/buy without risk system and method - A method and system are disclosed for enabling a subscriber to a service provider to purchase goods or make donations to a third-party unaffiliated with the service provider. The system generates an electronic bill for a service provided to the user, where the electronic bill includes at least one selection for a purchase from or a donation to the third-party. The selection for purchase or donation from the user is received accompanied by an immediate or subsequent receipt of an indication of payment from the user. The payment indication includes payment for the service and the purchase or donation. The user has up until payment is actually made to revoke the purchase or donation selection. The transaction is completed by the service provider with the third-party to effectuate the purchase or donation.12-03-2009
20100023451Method of Online Payment Authorization, A Method of Correlating Text Messages and Systems Therefor - A method of correlating text messages by allocating a sending address to an outgoing text message, sending the outgoing text message to a recipient address from the sending address, receiving an incoming text message from the recipient address to the sending address and correlating the outgoing and incoming text messages based on the sending address and recipient address. The method may be used to automatically action payment or other instructions or to actuate a physical actuator. The sending address may be selected from a pool of codes, such as short codes.01-28-2010
20100023450SYSTEM AND METHODS FOR FACILITATING FUND TRANSFERS OVER A NETWORK - In accordance with embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a financial institution over the network, wherein the financial institution includes a first user account related to a user. The systems and methods include receiving a fund transfer request from the financial institution on behalf of the user and establishing a second user account related to the user based on user information passed with the fund transfer request. The systems and methods include processing the fund transfer request by linking the first user account to the second user account based on the user information passed with the fund transfer request, receiving funds from the financial institution associated with the first user account, and depositing the received funds in the second user account on behalf of the user.01-28-2010
20090240623Business Event Triggered, Policy-Driven Payment Management - Techniques are disclosed for using business events as triggers to drive payment processing for electronic commerce. As the business logic of a merchant's e-commerce software application reaches various stages that impact payment considerations, it issues a corresponding event notification. According to preferred embodiments, these event notifications are processed by a policy engine, which locates policy information or rules previously configured for that event. Actions are then carried out, based on the configured policy. The merchant e-commerce application is therefore shielded from the details of the underlying payment processing. New payment types can be provided, and existing payment types can be modified if necessary, by adding/modifying policies; the merchant's e-commerce application does not need to change. This event-driven model allows application developers to focus on creating software for the merchant's key business requirements, and makes it easier to maintain the software.09-24-2009
20090076952VARIABLE CHARGING ASSIGNMENT FOR MULTI-SERVICE ENVIRONMENTS - Methods, information processing systems, and wireless communication systems are disclosed for providing variable charging account assignment for multiple services. A request for a plurality of services is received from a wireless device (03-19-2009
20100169212LOCATION-BASED MONEY TRANSFER - The invention provides various systems and methods for performing money transfers using location information. The method includes staging, at computer system, a money transfer transaction from a sender to a receiver. The method further includes providing the receiver's mobile number to the computer system, and tracking the receiver's location using a location tracking computer system. Further, the method includes determining if the receiver is within a proximity threshold to an agent location. The agent location is configured to distribute funds from the money transfer. The method then, in response to the receiver being within the proximity threshold to the agent location, notifies the receiver of the agent location's address, and dispenses the funds from the agent location.07-01-2010
20120041874NON-REVERSIBLE PAYMENT PROCESSING - Methods and system for non-reversible payment processing are described. In one embodiment, a request for non-reversible payment for a sender may be received. The request for non-reversible payment may include a payment amount and a payment receiver identifier. The payment receiver identifier may be associated with a payment receiver. A sender account of the sender may be decreased by the payment amount. A payment receiver account of the payment receiver may be increased by the payment amount. A notification of non-reversible payment may be provided to a payment receiver that the increasing of the payment receiver account by the payment amount is non-reversible based on the receiving of the request for non-reversible payment.02-16-2012
20090083179Web-accessible payment processing system - A streamlined automated system for processing payments which is web-accessible by clients through an interactive website. The interactive website allows for clients to directly access a database containing payment information and thereby resolve any exception that may have occurred in the course of processing a payment. The system is additionally configured to adaptively learn and apply information. The system furthermore integrated to allow the input of data at various remote locations and features a novel method of allocating data fields for efficient data entry.03-26-2009
20120041875Transfer Account Systems, Computer Program Products, and Associated Computer-Implemented Methods - Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds.02-16-2012
20120150736PERSONAL 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
20090171839SYSTEMS AND METHODS FOR PROCESSING RECURRING PAYMENT TRANSACTIONS - Systems and methods for updating payment card records in real time for payment cards registered to be used for recurring payments in which the payment card itself is not present. In one aspect, a method for processing card-not-present recurring payment (CNP/RP) transactions is provided. The transactions include recurring purchases made by a cardholder using payment card information stored by a merchant. The method includes receiving, at an interchange network, a first authorization request message for the transaction, and querying a database coupled to the interchange network to determine whether the database includes updated payment card information for a payment card used in the transaction. The method also includes transmitting the updated payment card information from the interchange network to the merchant and updating the payment card information stored by the merchant to match the updated payment card information received from the interchange network.07-02-2009
20090171840Method and System for Facilitating Credit Transactions - Disclosed is a system and method for Facilitating Credit Transactions, which may allow for the division of a given purchase or cash-withdrawal transaction amount, into periodical installments by enabling the financing of said transaction.07-02-2009
20090171838SYSTEMS AND METHODS WHEREIN A CREDIT PRODUCT IS OFFERED IN ACCORDANCE WITH USAGE OF A PRE-PAID CARD ACCOUNT - According to some embodiments, a consumer is associated with a pre-paid card account. Purchase transactions for the consumer may be facilitated via the pre-paid card account, including a transfer of funds out of the pre-paid card account. Funds may also be transferred for the consumer to re-load the pre-paid card account. The consumer's usage of the pre-paid card account may be tracked, and at least one credit product to be offered to the consumer may be determined based on said tracking.07-02-2009
20090171837SYSTEMS AND METHODS FOR MOBILE PAYMENT - Mobile payment methods and systems using Short Message System (SMS) messages include a card distribution point with a plurality of mobile payment cards, each card having an initially concealed card code, an initially concealed confirmation number, and a plurality of initially concealed Transfer Authorization Numbers (TANs), a payor device, a payee device, a merchant device, and a mobile payment system server. The server is configured to receive deposit SMS messages, determine whether a card code matches a card code associated with an active mobile payment card, and when a valid card code is received, increase an account balance associated with the payor device based on a value of the card, associate a plurality of TANs with the payor device based on TANs associated with the card, and send a reply SMS message including a confirmation number, transfers code for receiving a transfer SMS message from a payor device having a payee device identifier, a payment amount, and a TAN, determine whether the TAN included with the transfer SMS message is associated with the payor device, determine whether or not there are sufficient funds to cover the payment amount in the account associated with the payor device, and when a valid TAN is received and there are sufficient funds, update the account balance associated with the payor device and an account balance associated with the payee device, disassociate the TAN from the payor device, and generate an account balance SMS message for the payor device and the payee device.07-02-2009
20080222033METHOD AND APPARATUS FOR MAPPING SOURCES AND USES OF CONSUMER FUNDS - A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and is authorized to transfer money from the deposit account to the accounts of various creditors. An originating depository financial institution, such as a bank, handles the transfers of money, and such transfers are preferably done electronically. The automated clearing house (ACH) network supports such electronic money transfers. The various bills and debts of the individual or couple come due at times that are asynchronous to their income structure. The bill-paying service is authorized to debit the deposit account for more than the basic minimums due the creditors each month. Such excess is used to accelerate the repayment of various loans and debts according to what particular application at that time will have the greatest long-term beneficial effect.09-11-2008
20120047067METHOD FOR A PAYMENT TRANSACTION ASSOCIATED WITH TWO CORRESPONDING DECLARATIONS OF INTENT - The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit (02-23-2012
20120047066Transfer Account Systems, Computer Program Products, and Computer-Implemented Methods to Prioritize Payments From Preselected Bank Account - A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select creditors. The computer estimates a value of one or more prioritized payments associated with a first account and authorizes a first sweep payment to a second account at a second financial institution from a third stand-in account at a payroll processor, so that the estimated value is held back in the stand-in account. Then the computer receives an automatic deposit associated with an account identifier for a first account. The financial institution computer generates prioritized payments from the first account to select creditors and generates a second sweep payment, if necessary, from the first account to the second account, responsive to the incoming automatic deposit. The second account can be, for example, a demand deposit account or a prepaid card account.02-23-2012
20120047065MECHANISM FOR FRAUD-RESISTANT CONSUMER TRANSACTIONS - A facility for conducting a financial transaction is described. The facility receives a purchase order identifying a customer and an amount of a payment to be made by the identified customer to a payee. The customer identified by the purchase order has an individual account. The facility selects an account from a pool of accounts designated as being shared by a number of customers including the identified customer. The shared pool does not include the identified customer's individual account. The facility transfers the identified amount from the identified customer's individual account to the selected account of the shared pool. The facility causes information identifying a credit card number for the selected account of the shared pool to be provided to the payee for use in effecting the payment.02-23-2012
20120011061SYSTEM AND METHOD FOR CALCULATING NET PAYMENT IN SOCIAL SERVICES - A method and system of generating net calculation documents for issuing benefits to a recipient. The method and system may include receiving gross payment documents (GPDs) each including a plurality of gross payment items (GPIs) each including a benefit amount the recipient is entitled to and deduction plan documents (DPDs) each including a plurality of deduction plan items (DPIs) each including a deduction amount from a corresponding GPI. Responsive to receiving one of an update to at least one of the GPIs and at least one new GPIs, the method and system may further include grouping all GPIs into groups based on pre-determined criteria, determining a time period that extends over all GPIs that are affected by the updated/new GPIs and need recalculation, determining net calculation units (NCUs) each unit having an identical payment frequency, dividing the NCUs into homogeneous time slices based on benefit payment dates, and for each time slice, generating a NCD including a header, a plurality of GPIs and DPIs for the time slice.01-12-2012
20110166996METHOD OF CAPTURING INTEREST ON THE VALUE OF TRANSFERRED MONETARY RIGHTS MANAGED ON AN INTERNET-BASED MONETARY RIGHTS TRANSFER NETWORK - Method of capturing interest associated with a whole or partial amount of money possessed or controlled by an owner/holder and held in a first account maintained by a home financial institution, associated with a monetary rights transfer (MRT) network operably connected to the infrastructure of the Internet, and the home financial institution or an external financial institution associated with the MRT network, maintaining a second account, interest bearing, for the owner/holder of the amount of money to capture interest.07-07-2011
20110166994DETERMINING A PAYMENT STRATEGY - Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or executing a payment strategy. For example, in some embodiments, a method is provided for determining a payment strategy for using at least some funds from a first account to make two or more payments on a second account during a single pay period. In such embodiments, the method includes: (1) determining that the second account includes a payment due date and a minimum payment due; (2) determining a number of payments to make on the second account; (3) determining a payment amount for each payment, such that the total payment amount for all of the payments is sufficient to at least offset the minimum payment due; and (4) determining a triggering event for each payment, such that each of the payments is made on or before the payment due date.07-07-2011
20100114766AUTOMATED DOCUMENT CASHING SYSTEM - Validation of the identity of the user is performed with the use of a card associated with intelligence that identifies the user. Validation of the document involves one or more of: validating the presence of a signature; validating the amount of the monetary transaction document including a manual entry of the amount by the user; validating CAR against the LAR; and validating the banking system parameters and rules for the customer and/or the transaction. To assist in the automatic analysis of data on monetary transactional documents or on remittance documents, the user is prompted to provide a bounding box about the data. An image touch screen may be touched by the user to locate the bounding box and the user may magnify the data to fill the boundary box to exclude other data from analysis. After document and person validation, the system will dispense money or transfer monies to a savings account, a checking account, a smart card, or the like. The system will also write money orders or wire transfer money.05-06-2010
20110093388METHOD FOR MANAGING BUYER TRANSACTIONS AND SETTLEMENTS USING COMMUNICATION NETWORK BETWEEN COMPUTERS, AND METHOD FOR RELAYING INFORMATION FOLLOWING BUYER CONSUMPTION TRENDS TO THE BUYER - It is an object of the present invention to enable a buyer to collectively manage information related to a variety of commercial transactions performed by the buyer as well as to the settlements for these transactions. The calendar server 04-21-2011
20110093387SYSTEM AND METHOD FOR NON-CREDIT CARD BILLERS TO ACCEPT CREDIT CARD PAYMENTS - One embodiment of the invention is directed to a method comprising, receiving a payment request message that includes information related to a user and a biller, determining whether the user is enrolled in a bill pay program, and if the user is enrolled in the bill pay program, modifying the payment request message according to user preferences if the user preferences are different than the information in the payment request message. The method further comprises, receiving a payment response message, and generating, using a server computer, transaction information based on the payment response message and biller information, wherein the transaction information is combined with existing reporting and billing process information for the biller.04-21-2011
20120023015Consolidated Payment and Bank Error Correction - Improved techniques are disclosed for payment of accrued moneys via a third party intermediary. In one embodiment, a consolidated royalty can be provided for online sales of digital assets of a digital asset provider. Since the online sales can be from various different countries, the online sales can be in a plurality of different currencies. The royalties due a digital asset provider from online sales in the different currencies can be consolidated at appropriate times into a single currency and then disbursed to the digital asset provider. In another embodiment, royalty disbursement management can be provided to alert a digital asset provider that an attempted distribution has failed and to facilitate the digital asset provider in correcting appropriate banking information to assist in obviating the distribution failure.01-26-2012
20120209766BILL AVAILABILITY NOTIFICATION AND BILLING INFORMATION REQUEST - Systems and methods for presenting billing information are provided. Billing information may be received by a bill presentment system, and the bill presentment system may transmit a notice indicating availability of bill presentment information associated with the billing information. The notice may be transmitted in accordance with an e-mail protocol, and the notice may include a hyperlink enabling access to the bill presentment information via a second protocol other than the email protocol. Subsequent to transmitting the notice, a request for the bill presentment information may be received responsive to a selection of the hyperlink. The bill presentment information may be generated based upon at least a portion of the billing information. Additionally, the generated bill presentment may be transmitted by the bill presentment system in response to receiving the request.08-16-2012
20120209765Monetary Transaction Security Verification System and Method - A payment system is provided having an internet interface. In one embodiment, the payment system issues instruments having control codes. The system may issue a first portion of the control code, and retain a second portion of the control code for later issuance. Such later issuance activates the instrument. Some embodiments have a role-based security access scheme. For example, one embodiment provides a security verification score to be used in assigning user permissions on the payment system. Customer service representatives having different security permissions complete different portions of the security scoring and permission assignment process. Some embodiments have automated processing of security verification items submitted by users.08-16-2012
20120158582PAYMENT SYSTEM USING IMAGES - A method for making a payment using an image includes receiving an image from a camera. The image is analyzed using a processor. A payee indicator that is included in the image is determined. Payee information from a database is retrieved using the payee indicator. A request to make a payment to a payee is sent over a network using the payee information. Thus, a payer may take an image that includes a payee indicator and the method will use that payee indicator to retrieve payee information that may include a current payment due to the payee and a due date for that payment, and the payer may quickly and easily send a request to make that payment to a payment service provider to ensure that the payment is made to the payee.06-21-2012
20120233068METHODS AND APPARATUS FOR HEALTHCARE PAYMENT PROCESSING - Methods and apparatus for facilitating a payment collection process by enabling a patient to pre-authorize payment for future medical services not covered by the patient's healthcare payer. Rather than sending a statement to a patient instructing the payment to remit an outstanding balance, a practice management system automatically applies electronic funds for the patient's outstanding balance in accordance with terms of a contract executed between the patient and the medical practice at the time of service. By including contract terms such as a predefined maximum charge amount and limited contract duration, patients may feel that their electronic account information is safe and that they will be billed only for what they owe. Additionally, medical practices may have better assurance that remittance for medical services will be paid promptly by patients under the terms of the contract.09-13-2012
20120158583AUTOMATED BANK TRANSFERS USING IDENTIFIER TOKENS - Disclosed are methods and systems for automated bank transfer using an identifier token. The methods and systems involve generating an invoice with an identifier token at a payee, the identifier token including bank transfer information of the payee, updating an invoice repository with the invoice and the identifier token and on updating the invoice and the identifier token, generating a notification to the payer, the notification including the identifier token.06-21-2012
20120158581Automatic Electronic Payments Via Mobile Communication Device With Imaging System - A graphical payment identifier is used to facilitate the automatic processing of an electronic payment. A graphical identifier payment system receives a request from a payment processing entity for a onetime use graphical payment identifier. In response, a onetime use graphical payment identifier to be displayed by the payment processing entity is generated. A request for user payment information by the payment processing entity is encoded in the graphical payment identifier, which is transmitted to the payment processing entity for display. The graphical payment identifier being displayed by the payment processing entity is captured by a registered user operated computing device. In response, the requested user payment information is transmitted to the payment processing entity, such that the electronic payment is executed automatically, without the user manually entering the requested payment information or providing a credit card.06-21-2012
20120072342System and Method for Providing Debt Protection for Financial Overdraft Account - A system and method that provides an enhancement to an overdraft protection program at a financial institution. The debt protection of the program is funded by the financial institution rather than by a consumer/user of the financial account at the financial institution. Under the debt protection program, if the consumer dies, becomes disabled, or becomes involuntarily unemployed and such facts are established to a reasonable degree, the debt protection program will automatically repay the overdraft in full including cost and fees up to a predetermined maximum amount. The payment can occur in a single payment or over a period of time, for example monthly, until the predetermined maximum amount is reached.03-22-2012
20090248576VARIABLE RATES FOR THIRD PARTY BILL PAYMENT OVER NET (TPBP) AND OTHER SERVICES - An online system which integrates the business components of Shipping, Freight Forwarding and making available Banking credit by means of an effective bidding system on Service Charges and Interest Rates for each bill payment. The System is an advancement over the existing Banking credit line systems and enhances the business process by providing optimum usage of Banking resources at the customers end as well as providing optimum lending opportunities to customers from the Banking end.10-01-2009
20100094752METHOD AND SYSTEM FOR MOBILE BANKING AND MOBILE PAYMENTS - A method and system for mobile banking and mobile payments is presented. A mobile device attempting a financial transactions receives an indication that the financial transaction has or has not been successfully completed via an electronic message and a unique “Financial Audio Communication System” (“FACM”) indication. A user of the mobile target device can determine whether the financial transaction has successfully completed or not by listening to the audio output generated from the FACM indication on the mobile target device and does not have to view textual information on the mobile target device.04-15-2010
20090132414System And Method For Integrated Electronic Invoice Presentment And Payment - A system and method is provided for an electronic invoice presentment and payment management service. The system and method automatically link electronic purchase orders, invoices, receipt-of-goods documents, and other transaction-related information to a payment card transaction, such as a purchasing card transaction. The system may be used in conjunction with existing infrastructure and the systems currently employed by a buyer organization and a supplier organization. The system provides for the delivery of Level III data (invoice detail) with every payment card transaction and automatically inputs this Level III detailed transaction data into the buyer's accounts payable system and enterprise resource planning system.05-21-2009
20090132413APPARATUS AND METHOD FOR SECURE CREDIT CARD PROCESSING INFRASTRUCTURE - The present invention relates to an apparatus and a method for secure value transactions between a customer and a merchant in a computerised environment being part of a global interconnecting network, such as the Internet. The method is adapted for utilising existing credit card processing infrastructure and includes the steps of: the customer obtaining a password, such as a PIN, from an intermediate transaction party and validating a server of the intermediate transaction party, the merchant having installed a code module function on its web-based service that generates a transaction identification number, and redirecting or presenting the customer with a link to the intermediate transaction party. The present invention is characterised by the intermediate transaction party presenting the customer with a password-protected account page to validate a purchase either by marking a correct validation or inputting the transaction identification number and amount.05-21-2009
20100205090ELECTRONIC DEFERRED CHECK WRITING SYSTEM - A method and system for electronic deferred check processing is disclosed. A processing center receives an account identifier and a plurality of deferred payment amounts. The deferred payment amounts may be specified in a check, which can be digitized and electronically transmitted for further processing. The account identifier is correlated to a purchaser checking account. The deferred payment amounts are transferred to a merchant account in accordance with one of a plurality of predefined merchant transfer schedules, and each transfer may have a fee associated therewith that is deductable from the deferred payment amounts. The funds corresponding to the deferred payment amounts are also transferred from the purchaser checking account according to a predefined deduction schedule.08-12-2010
20120215689AUTOMATED PAYMENT SYSTEM AND METHOD - An automated payment system for processing payment by a customer to a company. The payment system includes a document scanning system which has an input receptacle adapted to accept a document. After receiving an authorization agreement from the customer, the scanner acquires at least one image from the document. Also provided is a first computer adapted to receive images from the document scanning system. Adapted to communicate information represented by the image, a first communication link couples the document scanning system and the first computer. The payment system also includes a second computer adapted to receive images which is in communication with the first computer via a second communication link. The second communication link is adapted to communicate images and payment information.08-23-2012
20120166332BILL SPLITTING SYSTEM - An embodiment of a method for splitting a bill includes displaying a primary bill that includes a plurality of items on a first payer device. A plurality of inputs are received from the first payer device that assign the plurality of items to a first payer and at least one second payer to generate a first secondary bill and at least one second secondary bill. Each at least one second secondary bill is then sent to a respective second payer device, and payments are sent for the first secondary bill from the first payer device and each at least one secondary bill from the respective second payer device. An image of a physical bill may be taken by the first payer device and optical character recognition may be performed on the image to produce the primary bill that is displayed on the display of a first payer device.06-28-2012
20120215687ENTERPRISE RESOURCE PLANNING (ERP) INTEGRATOR SYSTEM AND METHOD - The methods and systems described herein attempt to resolve the deficiencies of the conventional systems by using pre-loaded templates and extracting comprehensively populated payment files in an industry standard format for processing. In one embodiment, a computer-implemented method for generating a payment file comprises receiving, by a computer, a request for a payment to a beneficiary; receiving, by a computer, a selection of the beneficiary for payment; receiving, by a computer, a request to pay the beneficiary using a template; retrieving, by a computer, the template from a database, wherein the template has a plurality of business rules for completing a plurality of data fields; extracting, by a computer, information from a database to complete the data fields of the template; and generating, by a computer, a payment file by completing the data fields of the template according to the plurality of business rules.08-23-2012
20100205094Reserve account mortgage method and system - A method and system are provided to resolve financial problems and/or discretionary financial decisions by mortgagors and other borrowers. If a mortgage is current, then any extra money received from the mortgagor is automatically credited to a reserve account, which pays down the mortgage principal. If a mortgage payment is due but has not been paid or is only partially paid, then whatever money is needed for the mortgage payment is automatically deducted from the reserve account and applied toward the mortgage payment, thereby increasing the loan principal. As a limit, if the reserve account is depleted, the lender may commence conventional foreclosure procedures. The method and system can similarly be applied to other types of loans.08-12-2010
20100205092Pre-Funding System and Method - A method for pre-funding is disclosed. The method includes sending a plurality of pre-fund authorization requests to a buyer financial institution, and then receiving a plurality of responses to the pre-fund authorization requests from the buyer financial institution, where each response either accepts or declines a pre-fund authorization request. A funds transfer request is sent to the buyer financial institution, where the funds transfer request corresponds to a total value of the accepted pre-fund authorization requests. Notification that funds have transferred from the buyer financial institution in response to the funds transfer request is received. Then, the sending of the funds to a supplier financial institution is authorized.08-12-2010
20100205091AUTOMATED PAYMENT TRANSACTION SYSTEM - A secure system for using credit card accounts to cause payment into an account of said vendor on behalf of said vendor.08-12-2010
20120136783SYSTEMS AND METHODS FOR GENERATION, REGISTRATION AND MOBILE PHONE BILLING OF A NETWORK-ENABLED APPLICATION WITH ONE-TIME OPT-IN - A method of providing a service to a customer comprises receiving a request by a customer for an item of content, providing to the customer an option to subscribe to a service for a limited time, if the customer opts to subscribe, then providing the service for the limited time, and if the customer does not opt to subscribe, then not providing the service for the limited time.05-31-2012
20120136782METHOD AND SYSTEM FOR FACILITATING NETWORK TRANSACTION PROCESSING - According to one embodiment, the present invention relates to a method and a system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment entities, at a centralized agent; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity.05-31-2012
20120136781REAL-TIME PAYMENTS THROUGH FINANCIAL INSTITUTION - A payment provider uses bank rails to enable a bank customer to send real-time payments through the bank site by simply entering a recipient identifier, such as an email address or mobile number. The bank has an account with the payment provider. Thus, when the customer sends a payment through the bank, the payment provider transmits the payment to the recipient through the bank's payment provider account. The bank debits the amount from the user's bank account or from a third party, in which case the bank makes a payment to the third party. The sender does not have to have an account with the payment provider, just an account with the bank.05-31-2012
20120136780ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS - The ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“Bill-Pay”) transforms user key-entered billing and account inputs and/or barcode reading inputs via Bill-Pay components into bill payment outputs. In one embodiment, a method is disclosed, comprising: receiving a bill payment transaction request from a bill payment third party agent via a bill payment vehicle; obtaining bill information and payer identifying information; verifying the obtained bill information including a payment amount; retrieving payer account information based on the obtained payer identifying information; and transferring an approved amount to a biller's account from the payer account.05-31-2012
20110184863SMART ON-LINE FILING SYSTEM - An approach is provided for enabling the assembly and delivery of documents for facilitating electronic bill payment and online document management. Collection of document information associated with a user account is performed, e.g., via a browser application. For example, the document information can include a digital scan of a physical document or an image. The collected document information is stored in a cloud-based filing system, which is configured to store a multitude of document information for respective user accounts. One or more actions are selectively initiated based on the collected document information for the particular user account.07-28-2011
20100174644Integrated File Structure Useful in Connection with Apparatus and Method for Facilitating Account Restructuring in an Electronic Bill Payment System - An electronic funds transfer bill payment operation of a financial institution receives first information representing an account restructuring of a biller which uses the electronic funds transfer bill payment operation. The first information is combined with second information into a uniformly formatted file. The second information is formatted differently than the first information. The second information includes card update information for recurring payment card payments made with payment cards issued by the financial institution. The uniformly formatted file is transferred to an operator of a payment network of a kind configured to facilitate transactions between multiple issuers and multiple acquirers. The uniformly formatted file specifies at least one old account number associated with a biller and at least one new account number associated with the biller. The payment network operator operates both a recurring payment transaction system for card-not-present recurring payments and an electronic funds transfer account conversion application in accordance with the uniformly formatted file.07-08-2010
20100174645PAY YOURSELF FIRST WITH USER GUIDANCE - The system encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.07-08-2010
20100174643SYSTEM AND METHOD FOR INTEGRATING BILLING INFORMATION FROM ALTERNATE ENERGY SOURCES WITH TRADITIONAL ENERGY SOURCES - The method and system of the present invention provides for data gathering of energy systems, calculation of billing information for the energy systems to include both traditional energy sources and renewable energy sources, and creation of various outputs to include various user interfaces applicable to overall management of the energy systems. The user interfaces can include integrated, real-time billings to a consumer that measure the cost of the primary energy as well as savings provided by renewable energy sources. The present invention also provides predictive analysis for various aspects of energy use in order to better manage particular facilities that may incorporate renewable energy sources. The gathered data and the various user interfaces enables a user to modify or adjust the use of the renewable energy sources at selected sites to maximize their impact on reducing the cost of the primary energy bill.07-08-2010
20120173419VISUAL TRANSACTIONS - Systems and methods for processing a transaction according to one or more embodiments comprise providing a visual representation of a transaction process on a user interface; receiving information about one or more actors and corresponding roles for each actor as part of the transaction from at least a portion of the user interface; receiving transaction information from the visual representation on the user interface; and performing an action for effecting the transaction process.07-05-2012
20120173417METHODS AND SYSTEMS FOR BILLER-INITIATED REPORTING OF PAYMENT TRANSACTIONS - A method for processing an electronic bill payment using a payment computer system coupled to a database. The payment computer includes an optional credit reporting tool. The method comprises receiving bill data representing a bill for payment directed to a consumer wherein the bill is associated with a biller, receiving payment data submitted on behalf of the consumer in response to the bill, determining that the biller is enrolled in the credit reporting tool wherein the biller selects enrollment in the credit reporting tool, comparing the payment data to the bill data, generating a payment record based on the comparison between the payment data and the bill data, and electronically transmitting the payment record to an appropriate credit bureau.07-05-2012
20120173418MANAGING POWER DISTRIBUTION - In an embodiment of the invention, a method for wireless power generation for managing power distribution in a wireless environment is provided. The method includes receiving a request from a device to connect to a wireless power distribution base station, authenticating the device, determining a lease period during which time power is to be delivered wirelessly to the device in response to authenticating the device, and delivering power wirelessly from the wireless power distribution base station to the device for the duration of the lease period, but subsequent to the lease period, discontinuing delivery of power wirelessly to the device.07-05-2012
20120215688DEMAND DEPOSIT ACCOUNT PAYMENT SYSTEM - A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.08-23-2012
20100299254RECURRING TRANSACTION PROCESSING - Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.11-25-2010
20120226605Systems and Methods for Processing Bill Payments with a Utility Meter - Systems and methods allowing bill payment processing to be initiated from a utility meter are provided. An example system may include a utility meter for paying a utility bill that is operable to: measure utility usage; output data associated with the utility usage; receive user instructions to issue utility bill payment instructions associated with the measured utility usage over the communications network; authenticate the user according to the user authentication information; and transmit the utility bill payment instructions and the payment information over the communications network for processing.09-06-2012
20080215486Communication method and communication apparatus, information processing method and information processing apparatus, storage medium, and computer program - When an IC card is placed in the vicinity of one of a television receiver, a hard disk recorder, and a personal digital assistant (PDA), a card ID stored in the IC card and the profile of each of the television receiver, the hard disk recorder and the PDA are shared, thereby forming a VPN (Virtual Private Network). When the hard disk recorder requests a content delivery server to download a content, the content delivery server sends the content in response. The content is then stored in the hard disk recorder. When the replaying of the stored content on the television receiver is requested, authentication is performed between the hard disk recorder and the television receiver based on the card ID. If the authentication is successfully completed, the content is sent to the television receiver.09-04-2008
20120179604METHOD AND SYSTEM FOR ALLOWING A USER TO CONTROL THE ORDER IN WHICH TRANSACTIONS ARE POSTED - A method and system is provided that allows a banking customer to access their bank account via an online banking interface and manage the order in which transactions are posted against their account in a manner that allows them to minimize or eliminate the occurrence of an overdraft condition. Should the monetary balance within the account fall below zero, creating a potential overdraft condition, the customer is notified that such a zero or negative balance condition exists. The customer, using the user interface, can then access the account to arrange the various posted items in any order they want. Further, the customer is provided with the option of returning items to avoid the overdraft condition entirely.07-12-2012
20100274713Wireless Trading System And Method Of Using The Same - A wireless trading system used for trading by an electronic money card includes a reading device including a reading unit for wirelessly reading account information of the electronic money card and a transmitting unit for transmitting out the account information read by the reading unit, a communication device, a commerce platform for providing the service of trading, and a payment platform for providing the service of paying trading bills. A method of using the above-mentioned wireless trading system includes: the reading device wirelessly reading the account information of the electronic money card and then sending the account information to the communication device, the communication device logging in the commerce platform, some consumption activities being carried out on the commerce platform and bills made by the consumption activities being sent to the payment platform, the payment platform paying for the bills and sending account balance to the communication device, and the communication device modifying the account information of the electronic money card.10-28-2010
20100274716CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH HIERARCHICAL INVOICING AND DIRECT PAYMENT FEATURES - A system and method for managing a construction payment process. One method embodying the invention can include creating an electronically-executed first request for payment on behalf of a first participant in a construction project, transmitting the first request for payment to a second participant in the construction project, creating an electronically-executed second request for payment based on the first request for payment, transmitting the second request for payment to a payment source in the construction project, directing transmitting a payment to the second participant from the payment source, and directly transmitting a payment to the first participant from the payment source.10-28-2010
20100274714SHARING OF PRESETS FOR VISUAL EFFECTS OR OTHER COMPUTER-IMPLEMENTED EFFECTS - This application describes a system and associated methods for enabling users of video editing, compositing, motion graphics, and other applications to easily store and retrieve presets, have presets modified for compatibility with other applications, share presets with each other, and search for shared presets. The users may utilize different applications that store presets according to different application-specific schemas. The system can automatically translate or conform presets from one application-specific schema to a neutral schema and from the neutral schema to another application-specific schema. This allows a user of one application to share his or her presets with users of different applications. Among other things, this cross-application sharing of presets allows the system implementor to create one user community (e.g., of users of different applications), rather than several individual ones (e.g., an individual user community for each different application). Other features of the system and associated methods are also described.10-28-2010
20120179605SYSTEM FOR ALLOWING A USER TO CONTROL THE MANNER AND AMOUNT PAID TO SETTLE ACCOUNT TRANSACTIONS - A method and system is provided that allows a banking customer to manage repayment of larger bills by breaking them into a series of smaller more manageable payments that are repaid over a number of payments that are spread over a longer period of time. As bills are presented to the bank account customer, the customer, using the user interface can select one of the bills due for payment and request that they be allowed to break the bill into smaller payments. Once approved the larger bill is broken into a predetermined number of smaller repayments that are then more easily managed by the customer in a manner that eases their cash flow.07-12-2012
20090024520Detection of Check Fraud Using Multiple Check Images - A system and method for determining the validity of a check, the method including receiving from a payer an image of a check to a payee together with a personal identifier identifying the payer, where the payer is a customer of a financial institution, determining an account to which the check pertains, comparing the received personal identifier with a personal identifier maintained by the financial institution for the account, comparing the payer check image with an image of the check produced after the payee receives the check from the payer, designating the check as valid if the personal identifiers are the same and if the check images match within a predefined tolerance, and designating the check as invalid if the personal identifiers are not the same or if the check images do not match within a predefined tolerance.01-22-2009
20100023452System and Method for Bill Payment - The present invention is a system and method for assisting managers in managing invoices received from providers, and in particular for providing assistance to managers in identifying elements of invoices which are likely to be disputed, and assisting managers in disputing elements of invoices which are desired to be disputed by managers. The system may further embody features for assisting managers in managing accounts associated with invoices.01-28-2010
20090076956Systems and Methods for Allocating an Amount Between Transaction Accounts - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.03-19-2009
20120254025ONLINE PAYMENT FOR OFFLINE PURCHASE - A user receives a unique purchase identifier from a merchant during an offline purchase transaction. The merchant holds the purchase. The user makes an online payment at a later time by entering the purchase identifier through a payment provider, who retrieves details of the purchase and processes the payment if the user approves of the payment. The merchant is notified and releases or ships the purchase to the user.10-04-2012
20120254024Pay-Per-Use License Management for Software Applications - Methods and apparatus are provided for managing pay-per-use licensing models that determine a licensing fee based on user consumption. A client-side method is provided for monitoring usage of a portion of a software application by a user, by monitoring actions of the user at an image level; determining if one or more predefined user actions are detected, wherein the predefined user actions comprise usage of a function of the software application; and providing a notification of the predefined user actions to a mediation server for payment processing. The notifications are optionally performed periodically for a plurality of the notifications. Execution of the software application can optionally be suspended if payment is not made for the usage, or if the notification is not received by the mediation server.10-04-2012
20120185384Method of Providing Lumens and Tracking of Lumen Consumption - Techniques are disclosed for compensating an LED light fixture/light source provider for generation of photons by one or more LED light fixtures used by a customer. In one example, a method comprises receiving a monetary amount as compensation for photons generated by the LED light fixtures/light sources, maintaining a contractual relationship with the customer in exchange for the monetary amount, the contractual relationship including a requirement that the provider pay an electricity supplier for the electricity consumed by the LED light fixtures/light sources, determining, with a meter associated with each respective LED light fixture/light source, the amount of electricity consumed by the LED light fixtures/light sources used by the customer over a period of time, and in response to the determination and on behalf of the customer, submitting payment to the customer's electricity supplier for the electricity consumed by the LED light fixtures/light sources used by the customer.07-19-2012
20120185383UNIVERSAL LEDGER - The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.07-19-2012
20120185382Pay by link system and method - A new method and system for enabling payment via a simplified web link, such as a uniform resource locator, is provided. The human readable web link allowing for easy understanding and interpretation by a customer is generated in response to the receipt of a financial transaction between a customer and a merchant. Responsive to receipt of the generated web link, the system creates a customized customer payment page that only requires entry of credit card or other details by a customer. The submitted financial information is passed to a payment gateway for processing and, responsive to successful transaction, a payment confirmation message is sent to the merchant and customer.07-19-2012
20090327128SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES - Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration.12-31-2009
20120221467MOBILE PAYMENT SYSTEM AND METHOD - A mobile payment system and method are disclosed. A message is generated by, and received from, a first mobile device. The message includes a payment code, an amount of a payment, and a receiver designator representing a receiver of the payment. A confirmation message is then from the receiver of the payment. An amount of the payment and a fee is debited from a first account associated with the first mobile device. A second account associated with the receiver of the payment the amount of the payment is then credited. The message, and transaction, is a text message.08-30-2012
20090037330SYSTEM AND METHOD FOR DEPLOYING APPLICATION PROGRAM COMPONENTS - A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The wireless device, such as a cell phone, personal digital assistant, or palm top computer may include an auxiliary device such as a bar code scanner, a magnetic stripe card reader, or a printer. The business sector or service sector may monitor or limit utilization of the auxiliary device. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message. Distributed processing application programs having components in the business, service, and mobile sectors may thereby be updated in an orderly manner. An application program on a wireless device may assist confirmation of an order made by a buyer via a web site. The wireless device is expected to be operated by the buyer. Fraud reporting is accomplished by comparing data obtained by registration of the wireless device with data provided in the confirmation.02-05-2009
20090018957TOOL, NETWORK AND METHOD FOR ASSET DATA UPDATING - A tool, network and method of asset data updating is provided. The tool comprises: a portable computing device capable of wirelessly receiving a GPS location and updating of asset data including, among other things, asset condition and/or GPS location. The tool may also comprise knowledge based software capable of time tracking, work order management and billing. The knowledge based software may be provided alone or in combination with the asset updating. A network capable of wirelessly communicating with the tool is discloses as is a method of using the tool.01-15-2009
20120233069MONEY TRANSFER SYSTEMS AND METHODS - The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.09-13-2012
20120233066SYSTEM METHOD AND COMPUTER PROGRAM PRODUCT FOR MOBILE FINANCIAL TRANSACTIONS - A system, method and computer program product includes a mobile computing device. A mobile computing device is configured for communicating over a network region and a global network. A server is configured for receiving and processing financial transaction information, performing financial transactions and receiving results of performed financial transactions. A mobile client executes on the mobile computing device and instructs the mobile computing device. The mobile computing device presents a plurality of contacts for selection. The mobile computing device presents a plurality of financial transactions available for a selected contact. The mobile computing device presents a plurality of payment instruments available for a selected financial transaction. The mobile computing device communicates to the server information associated with the selected contact, the selected financial transaction and the selected payment instrument. The mobile computing device receives results of the selected financial transaction from the sever and displays the results for the user.09-13-2012
20120233067SYSTEM AND METHOD FOR PROVIDING AN INTERACTIVE REMOTE CONTROLLED JUKEBOX - The present invention generally relates to interactive remote controlled jukebox systems. Specifically, this invention relates to a system and method for managing, controlling, delivering and playing audio or other multimedia on a jukebox, jukebox-like apparatus or an electronic device/computing device (e.g., tablet computer, mobile phone, network enabled TV, set-top box, audio/video receiver) via a remote control. The remote control may be comprised of a computing device (e.g., smartphone, PDA, tablet PC, laptop, cellular phone, desktop PC).09-13-2012
20130173464SUPPLY CHAIN FINANCE SYSTEM - In an electronic supply chain finance system, a method of enabling a supplier to obtain funds includes receiving information from a buyer defining a payment obligation, receiving an offer to sell the payment obligation, and creating an electronic negotiable instrument on behalf of the buyer as obligor, to the supplier as payee, having a payable date based on a maturity date of the payment obligation and a payment value based on a payment amount of the payment obligation.07-04-2013
20080306868Unlimited toll utilization - A system, method, and computer readable medium for unlimited toll utilization by a transport in a fleet comprises receiving, by a toll rental entity, fleet information from a third party entity, receiving, by a toll authority, the fleet information from the toll rental entity, receiving, by the toll authority, toll usage information, matching, by the toll authority, the toll usage information with the fleet information, receiving, by the toll rental entity, the matched information, matching, by the toll rental entity, the matched information with a fleet subscription account, paying a fee, by the toll rental entity to the toll authority, based on the matched information with the fleet subscription account, and billing, by the toll rental entity, the third party entity, a fixed fee for each transport in the fleet, wherein the fixed fee is related to the paid fee.12-11-2008
20100332386ON-LINE PAYMENTS FACILITY - A computer system implements a counterparty management module and a payment module for processing employee direct payroll deposits. The counterparty management module permits an employer to add employee bank accounts to a funds transfer system provided by a banking institution. The employee bank accounts are respectively associated with different employees of the employer. The employer has a bank account at the banking institution. The counterparty management module is accessible to the employer by way of an online banking area of a website of the banking institution. The counterparty management module also permits the employer to specify a payroll-related pay group that includes the employee bank accounts and to specify characteristics of the transferring of funds to the pay group as a whole. The payment module generates payment instructions for transferring funds from the employer bank account to the employee bank accounts.12-30-2010
20110004550CUSTOMER ON-BOARDING SYSTEM - Embodiments of the invention provide a system and method for on-boarding customers via a viral account opening or account registration process that uses aliases, such as telephone numbers, email addresses, and social networking identifiers, to identify payee accounts. If an alias is received for which a payee account cannot be identified, embodiments of the invention use the alias to contact the payee and request that the payee register an existing account or open a new account.01-06-2011
20110004549SYSTEM AND METHOD FOR FACILITATING AND MONITORING PROVISIONING OF WIRELESS DEVICES - The present invention provides a system and method for facilitating and monitoring provisioning of wireless communication devices. Wireless devices are provided to an end user in an unconfigured state, capable of being configured for operation using one or more communication protocols. Upon receipt and validation of a provisioning request by the wireless device, for example by a server, the wireless device is securely provisioned for operation with a wireless service provider. Provisioning activities are monitored and information is generated in response to provisioning events, for example via a database. Portions of the information are made available to one or more wireless service providers or parties providing enabling technology of the wireless device. Such reports may be used to facilitate revenue agreements between various parties involved in providing and servicing the wireless device.01-06-2011
20110131134METHODS AND SYSTEMS FOR GENERATING A SOFTWARE LICENSE KNOWLEDGE BASE FOR VERIFYING SOFTWARE LICENSE COMPLIANCE IN CLOUD COMPUTING ENVIRONMENTS - A monitoring system can monitor computing processes in clouds. The monitoring system can verify software license compliance in the computing processes instantiated in the clouds. The monitoring system can generate and maintain a software license knowledge base. The software license knowledge base can include the software license requirements for various software programs. To generate the software license knowledge base, the monitoring system can communicate with various sources (software vendors, clouds, publicly available sources, etc.) to determine license requirements for the various software programs.06-02-2011
20120239563SYSTEMS AND METHODS FOR TRANSFERRING FUNDS FROM A SENDING ACCOUNT - Provided herein are methods and systems for transferring funds from a sending account to a payee. In embodiments, the sending account may be a pre-paid wireless telephone account. The methods and systems may involve a transaction management system, an account setup module, a funds transfer module and a reporting module.09-20-2012
20120239561METHOD AND APPARATUS FOR UNIQUE IDENTIFICATION OF ACCOUNT AND FOR BILLING AN ACTIVITY IN AN OPEN NETWORK - System and method are provided to enable a service carrier (mobile phone, fixed line phone, Internet provider and others) to bill its customers in an ongoing process for an ongoing service or goods by locking the IP address and the account used in the Diameter protocol and the activity done on the network.09-20-2012
20120239560HEALTHCARE PAYMENT COLLECTION PORTAL APPARATUSES, METHODS AND SYSTEMS - The HEALTHCARE PAYMENT COLLECTION PORTAL APPARATUSES, METHODS AND SYSTEMS (hereinafter “H-Collect”) transforms patient insurance information, and healthcare procedure schedule information inputs via H-Collect components into medical claim settlement outputs. In one embodiment, a method is disclosed, comprising: obtaining a healthcare payment bill from a healthcare provider; determining a user responsible amount based on the obtained healthcare payment bill; facilitating transmission of a user payment request via a healthcare collection portal; obtaining a user payment initiation trigger from the healthcare collection portal; verifying user credentials associated with the user payment initiation trigger; identifying, via a processor, a healthcare payment command within the user payment initiation trigger; and initiating a funds payment transaction based on the identified healthcare payment command.09-20-2012
20090048970Approval and Issuance of a Financial Card - A method comprising issuing, at a virtual credit card issuer, a virtual credit card to an entity and debiting a monetary amount from a credit card account associated with a credit card issued by a financial institution that has extended credit to the entity. The method also comprises crediting the monetary amount to a virtual credit card account associated with the virtual credit card. The virtual credit card issuer would receive a request for payment directly from a merchant who accepted a credit card number of the virtual credit card as a form of payment from the entity. The request for payment when a monetary amount specified by the request for payment is less than or equal to the monetary amount credited to the virtual credit card account associated with the virtual credit card would be honored.02-19-2009
20120323774POINT OF SALE (POS) SYSTEMS AND METHODS FOR MAKING TAX PAYMENTS - A standalone device, systems, and methods of using them that are dedicated for making tax payments directly to a government authority without being coupled with electronic filing of tax returns or other filing or processing documents.12-20-2012
20120323776System and Method to Display Media Content and an Interactive Display - A method includes displaying a second user interface while a subscriber is interacting with a first user interface during playback of at least a portion of a first content segment. The second user interface includes one or more selectable transition options associated with performing a transition with respect to a second content segment. The first user interface includes one or more selectable options associated with the first content segment. The method includes receiving input indicating a selection of a particular transition option of the one or more transition options via the second user interface.12-20-2012
20120323775ENHANCED SEARCHABILITY OF FIELDS ASSOCIATED WITH ONLINE BILLPAY MEMO DATA - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. The field(s) associated with the attachment may be searchable. Such fields may be searchable by a characteristic of the attachment. Characteristics may include content of the attachment of an electronic format of the attachment.12-20-2012
20120278229Methods and Systems for Providing Subsidized Access to Network Content - An exemplary method includes a content delivery system 1) detecting a request provided by an access device associated with a user to access network content by way of a network provided by a network service provider, the network content associated with a content provider and maintained by a content provider subsystem, 2) determining that a data usage charge for access by the user to the network content by way of the network is subsidized by the content provider in accordance with a subsidized access arrangement between the content provider and the network service provider, and 3) providing the user with subsidized access to the network content in accordance with a rule set associated with the subsidized access arrangement. Corresponding methods and systems are also disclosed.11-01-2012
20120278230INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, PROGRAM AND STORAGE MEDIUM - Provided is an information processing device which enables a user to always and easily recognize an amount to be paid by the user, which results in a reduction of the burden imposed on the user. A debit requesting module (11-01-2012
20120089512SYSTEM AND METHOD FOR SELECTION OF PAYMENT SYSTEMS FROM A PAYMENT SYSTEM DIRECTORY TO PROCESS A TRANSACTION - Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.04-12-2012
20120089511SYSTEM AND METHOD FOR SELECTION OF PAYMENT SYSTEMS FROM A PAYMENT SYSTEM DIRECTORY TO PROCESS A TRANSACTION - Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.04-12-2012
20120089510Fee Management System - A system is taught for out-sourced management of educational institution fee arrangements that reduces the contacts with a responsible party of a student during the finalization of fee payment arrangements to a single contact. Specifically, the invention includes a system that includes an apparatus configures to provide a single personalized communication with a responsible party. The single communication includes a third party fee management contract and an educational institution payment contract.04-12-2012
20120089509SYSTEMS AND METHODS FOR FACILITATING PAYMENT RECONCILIATION OVER A NETWORK - In accordance with one or more embodiments of the present disclosure, a system and method for facilitating electronic commerce over a network includes communicating with a user via a user device and a merchant via a merchant device over the network, receiving a purchase request from the merchant via the merchant device over the network on behalf of the user, generating an invoice with an invoice identifier related to the purchase request, printing the generated invoice with the invoice identifier, sending the printed invoice with the invoice identifier to the user via a postal service, receiving an invoice payment request from the user via the user device over the network, obtaining the invoice identifier from the invoice payment request, reconciling an invoice payment on behalf of the user via the user device over the network, and storing information related to the reconciled invoice payment.04-12-2012
20120089508Methods and Systems for Inter-Currency Transfers - Exemplary embodiments describe systems and methods which provide for currency or inter-currency transfers. An intermediate broker operates between service providers to enable the transfer to be separated into two local e-money transactions from point of view of the service providers. E-money flows and real money flows are disassociated to enable, for example, beneficiary parties to receive their funds in real time (or near real time) and to enable the intermediate broker to aggregate real money flows during periodic rebalancing processes among its local accounts.04-12-2012
20110276481Automated Budget Management, Multiple Payment, and Payment Authority Management - A direct debit authority management system is used to facilitate bill payments involving a customer, a bank or financial body, and multiple billers who each bill the customer. A customer service module enables a customer to create or modify a plurality of direct debit authorities for a plurality of billers. A customer registration process is facilitated by the interface, the process capturing information for use in respect of multiple billers and to establish a direct debit authority for each biller before a bill is rendered by the respective biller, each direct debit authority being established based on the captured customer information. A repository stores customer direct debit authorities for multiple billers, storing customer information following the customer registration process and storing biller information following the biller registration process. The system links a customer with a biller through the direct debit authority and allows a biller to draw funds from a customer based on the stored direct debit authority.11-10-2011
20110276480Profile Advertisements - In one aspect, this application describes a method for determining personal advertisements for display with search results. The method includes receiving a query that corresponds to content associated with members of an online social network, generating search results that are responsive to the query, and obtaining information that characterizes a personal advertisement that advertises a particular member of the online social network. The method also includes comparing information associated with the search results to the information that characterizes the personal advertisement to determine whether the personal advertisement is related to the search results. The method also includes providing the personal advertisement for display with the search results in response to determining that the information that characterizes the personal advertisement is related to the search results.11-10-2011
20110276479PRIVATE PAYMENT AND PURCHASING SYSTEM - A system allows for conducting the financial and commercial (buying, selling, donating, gifting and paying) transactions that leverage communication devices to avoid the disclosure of a user's payment information. The payee (seller, seller's agent, receiver of funds, etc.) provides information or a token to the payer (buyer, buyer's agent, or any other provider of funds) who then directs funds to that token. In other words, rather than the payer providing information that is used by the payee to “pull” funds from the payer, the system allows a payee to provide information to which a payer “pushes” a payment. Since the payment is “pushed” by a customer, and often, but not always, using some type of a communication and/or computing device, the point-of-sale (POS) terminal has essentially been transferred from the merchant to the customer.11-10-2011
20110276478Systems and Methods to Manage Information - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores purchase receipts in association with phone numbers. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format, to obtain a confirmation of a payment request that identifies a phone number, a merchant and a purchase from the merchant. After a confirmation is received, the interchange is to use funds associated with the phone number to pay the merchant for the purchase and to receive and store a receipt for the purchase from the merchant.11-10-2011
20120095912SYSTEMS AND METHODS FOR ELECTRONIC PURCHASE TRANSACTION PROCESSING - A system for initiating a payment to a merchant from a bill payment system for a purchaser in an electronic purchase transaction is provided. The purchaser may be a subscriber of the bill payment subsystem and the system may include a gateway subsystem. The gateway subsystem may receive electronic purchase transaction information. The electronic purchase transaction information may include a payment request authorized by the purchaser and an identifier associated with the merchant. The gateway subsystem may further determine that the purchaser is registered with the gateway subsystem, and send the payment request to the bill payment subsystem of which the purchaser is the subscriber. The gateway subsystem may also receive a payment notification from the bill payment subsystem, and cause a first payment to be made from a first account associated with the gateway subsystem to a second account associated with the merchant.04-19-2012
20120330828MECHANISM FOR FRAUD-RESISTANT CONSUMER TRANSACTIONS - A facility for conducting a financial transaction is described. The facility receives a purchase order identifying a customer and an amount of a payment to be made by the identified customer to a payee. The customer identified by the purchase order has an individual account. The facility selects an account from a pool of accounts designated as being shared by a number of customers including the identified customer. The shared pool does not include the identified customer's individual account. The facility transfers the identified amount from the identified customer's individual account to the selected account of the shared pool. The facility causes information identifying a credit card number for the selected account of the shared pool to be provided to the payee for use in effecting the payment.12-27-2012
20110320349RENTAL PROPERTY PAYMENT SYSTEM - A system operated by a non-bank financial institution (NBFI) for receiving and processing payments made by renters to property management companies, and method of use therefor, are disclosed. The NBFI provides an electronic payment platform for accepting payments from renters of one or more rental communities owned or managed by one or more property management companies. The NBFI platform processes and directs rental payment to the payment processing systems of a partner bank or other financial institution which has bank accounts owned by the rental communities or property management companies. The partner bank directs the renters' payments into the appropriate account after processing. The NBFI creates and maintains records of all such transactions which are received through its platform, and provides the partner bank and rental communities with access to records in standardized format, such as a format compatible with existing property management or bank software, including any processing and convenience fee information.12-29-2011
20120330829DEVICE ASSISTED CDR CREATION AGGREGATION, MEDIATION AND BILLING - Device assisted CDR creation, aggregation, mediation and billing is provided. In some embodiments, device assisted CDR creation, aggregation, mediation and billing for a wireless network includes collecting device generated service usage information for one or more devices in wireless communication on the wireless network; and providing the device generated service usage information in a syntax (e.g., a device assisted charging data record (CDR)) and a communication protocol (e.g., 3GPP, 3GPP2, or other communication protocols) that can be used by other network devices to augment or replace network generated service usage information for the one or more devices in wireless communication on the wireless network.12-27-2012
20120101942METHOD AND SYSTEM FOR PAYING PUBLIC TRANSPORTATION FARE VIA MOBILE DEVICE - A method and a system of paying a public transportation fare via a mobile device are provided. The method includes connecting the mobile device to an Access Point (AP) installed to a Transportation System (TS), transmitting a first message, from the TS to a Communication Service Providing Server (CSPS), including a list of mobile devices connected to the AP, including the mobile device, identification-information regarding the AP, and the current location information regarding the mobile device, transmitting, when the mobile device is disconnected from the AP, a second message, from the TS to the CSPS, including a list of mobile devices connected to the AP, excluding the mobile device, the identification-information regarding the AP, and the current location information regarding the TS, and calculating, by the CSPS, the transportation fare to charge the mobile device and transmitting a transportation fare charge message to the mobile device.04-26-2012
20120101941APPARATUS AND METHOD FOR GIRO CHARGE PAYMENT IN PORTABLE TERMINAL - An apparatus and method for giro charge payment in a portable terminal are provided. The apparatus for giro charge payment in a portable terminal includes a camera unit and a control unit. The camera unit captures a barcode of a giro bill. The control unit extracts giro charge information from the barcode captured by the camera unit in a giro payment mode, and pays a giro charge by automatically inputting the extracted giro charge information on a giro charge payment screen of a mobile banking service.04-26-2012
20090106147SYSTEM FOR PROCESSING CONDITIONAL PAYMENT REQUEST IN AN ELECTRONIC FINANCIAL TRANSACTION - A mechanism is presented for processing conditional payment requests in an electronic financial transaction system. In particular, the mechanism provides for the handling of concurrent conditional payment events. The status of a payment condition may be categorized into three categories, and a priority assigned relative to the category. In this way, concurrent events may be prioritized according to their respective categories. Events may then be executed in order of assigned priority.04-23-2009
20100198724PAY YOURSELF FIRST WITH COMMUNITY KNOWLEDGE - The system determines a community recommendation based upon community knowledge. The users consider the community recommendation when the users determine the largest amounts possible to pay to themselves, even if they are not able to fully pay outstanding debts. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, the community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.08-05-2010
20130013498METHOD AND SYSTEM FOR MOBILE BANKING USING A MOBILE APPLICATION - A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.01-10-2013
20120150739SYSTEM AND METHOD FOR AUTOMATIC PAYMENT OF FINANCIAL OBLIGATIONS - A method for reserving funds to pay an estimated tax or other financial obligation includes receiving by a service provider of financial information from a customer and transferring funds from a customer monetary source to a set-aside account, where the monetary source and/or the set-aside account is a stored value account. In embodiments, the customer can access the set-aside money if needed before it is used to pay the obligation. The set-aside account can be a stored value card provided to the customer and usable in lieu of a bank card. Stored value cards can be visibly distinct according to which of a plurality of obligations they apply. Or the set-aside account can be a stored value account maintained by the service provider as information in a database. Set-aside funds can be transferred automatically and/or electronically, or provided by the customer as cash or cash equivalents.06-14-2012
20130018785MERCHANT BILL PAY - Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer. In some embodiments, a method includes: (a) receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount and an alias associated with a payment recipient, (b) in response to receiving the payment request, determining, via a computing device processor, whether the payment recipient is a registered payment recipient based on the alias, and (c) in response to determining the payment recipient is a registered payment recipient based on the alias, communicating, via the intermediary computing device, the payment request to the payment recipient based on the payment recipient being the registered payment recipient.01-17-2013
20130018786ELECTRONIC BILL PAY AND BILL PRESENTMENT ACCOUNT NUMBER TREATMENT SYSTEM AND METHOD - A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer.01-17-2013
20110161228Financial Server, IC Card Terminal, and Financial Information Processing Method - The present invention provides an inexpensive system capable of charging up electronic money cards by using a credit card.06-30-2011
20110161227AUTOMATED DROP-OFF ASSISTANCE SYSTEM AND METHOD - An automated system for drop-off and pick-up for repair, return or exchange of tangible items including a secure drop-off/pick-up area for the items, a computer and software to manage the data for the system, and a user interface to facilitate automated notification for responsive communication between the user and the service provider to describe service or repair required, provide quotations, request and receive additional information and notify the customer on completion of the service and scheduled maintenance using automated voicemail recording, and/or text messaging through a cellular telephone, email, PDA or iPhone using a web based applet.06-30-2011
20130024370CHARGING VEHICLES IN A PARKING AREA - Methods and systems for charging vehicles in a parking area are described. In one embodiment, a charge request may be received for a vehicle located in a parking area. The vehicle may have a power connection with a power source. An electric charge is provided through the power connection from the power source to the vehicle based on receiving the charge request, the value of the electric charge being adjustable based at least in part on the power basis of the vehicle. Billing or Payment is recorded for providing the electric charge based upon departure of the vehicle from the parking area.01-24-2013
20130024366MERCHANT INITIATED PAYMENT USING CONSUMER DEVICE - A merchant initiates a payment process by sending transaction details, merchant information, and a user or customer phone number to a payment service provider. The payment service provider sends a message to the user device, either asking the user to confirm the payment or communicating an authorization code. In the former, the user may be asked to simply confirm or communicate a user code. In the latter, the user communicates the authorization code to the merchant, who then communicates it to the payment servicer provider. In either case, once received and approved, the payment service provider sends a confirmation message to the merchant and the user that the payment has been approved and processed. Communication can be by text or verbal.01-24-2013
20080249936BILL PAYING SYSTEMS AND ASSOCIATED METHODS - Methods of paying user bills on behalf of a user are described. In one embodiment, the method includes receiving from a vendor a user bill having a user identifier, a vendor identifier, and a bill amount. The method further includes obtaining the user identifier, the vendor identifier, and the bill amount, associating the bill with the user based on the user identifier, and associating the bill with the vendor based on the vendor identifier. The method further includes determining whether the bill is payable, which includes comparing the bill to stored bill data associated with the user and the vendor. When the bill is payable, the method further includes obtaining funds from an account of the user, dispersing funds to the vendor to pay the bill and storing an indication of the paying of the bill.10-09-2008
20080228643System and method for payment of consumer purchases via vendor escrow accounts - A system and method for payment by a consumer of a purchase from one of a plurality of participating vendors. Each product or service for purchase is classified by a central office into a unique class. A single vendor is permitted for each class of product or service thereby guaranteeing a maximum return of investment. The consumer establishes a vendor escrow account, wherein each vendor escrow accounts is associated with a specific participating vendor. In advance of the purchase, a predetermined amount of funds, as specified by the consumer, is diverted from their paycheck into the vendor escrow account and prohibited thereafter from withdrawal by the consumer. Appropriate funds are debited from the vendor escrow account in payment for the purchase made by the consumer from the associated participating vendor.09-18-2008
20080228645Methods, systems and articles of manufacture for managing penalty fees for financial accounts - Methods, systems, and articles of manufacture are disclosed for providing a payment plan to credit card customers. A customer may be offered membership into a payment plan that allows the customer to pay past due penalty fees included in a balance associated With the customer's credit card account. Once a customer is member of the plan, a new segment is created for the customer's account. The penalty fees are removed from the balance and applied to a balance associated with the new segment. Thereafter, each time payment is received for the financial account, the payment may be applied in whole or part to the new segment's balance until it reaches zero. Subsequent payments are applied to the balance of the financial account. In one configuration, the financial account may not be charged any penalty fees while the customer is a member of the plan.09-18-2008
20110246361METHOD AND APPARATUS FOR FACILITATING PURCHASE TRANSACTIONS ACROSS A NETWORK - One embodiment of the present invention relates to a system that provides information and records information to facilitate a purchase transaction across a network. The system operates by receiving a request for billing information relating to a purchase transaction from a remote computer system. In response to the request, the system retrieves the billing information from a local store in the local computer system, and sends the billing information to the remote computer system. After the remote computer system completes the purchase transaction, the system receives confirmation information for the purchase transaction from the remote computer system. The system records this confirmation information in the local store in the local computer system. This enables a user of the local computer system to subsequently look up the confirmation information based on a purchase transaction identifier. In one embodiment of the present invention, retrieving the billing information involves asking the user of the local computer system if the billing information can be released to the remote computer system. If the user confirms that the billing information can be released to the remote computer system, the local computer system sends the billing information to the remote computer system.10-06-2011
20080222032Method and apparatus for value and or revenue sharing by commerce participants - A method whereby the relative contribution of value added to e-commerce sites by users such as contributors, browsers, buyers and sellers are measured and weighed while these users are vesting in a prorated share of either or both the revenue and asset value created by their participation, less the portion kept by the company or provider. Each user's contribution is vested instantly, dynamically and objectively by measuring relative revenue or web traffic that results from their participation.09-11-2008
20130173465SYSTEM AND METHOD TO FACILITATE PURCHASES ON MOBILE DEVICES VIA AUTOMATIC PAYMENT CONFIRMATION - System and method to facilitate purchases through mobile communications on various mobile devices by reducing the number of steps it takes the user to complete the purchase with mobile in-application payments. The payment confirmation is provided using platform's native user experience interface. User is informed about the price of the purchase, respective terms of use and the choice of confirming or cancelling the purchase. Once the purchase is confirmed by pressing the payment confirmation button, respective controller handles the process of performing the payment confirmation request via SMS text message. Confirmation request is done in the background without the need of any involvement of the user. After the payment is confirmed by mobile carrier a confirmation dialogue is displayed to user using native platform interface.07-04-2013
20080215485Automatic Reminder System for Check Ordering - A method, apparatus, and computer readable storage to implement an automatic ordering system so that a bank customer can either receive automatic reminders or automatic reorder notification when it is time for the customer to reorder checks. The system tracks check numbers that the customer has in his or her possession and also tracks the check numbers that the customer has written. When the system determines that the customer is running low on checks, the customer can be presented with an automatic reminder to reorder, and then can easily reorder replacement checks. Alternatively, the system can automatically place the checks reorder for the customer if the automatic reorder option is enabled.09-04-2008
20110270749ELECTRONIC INVOICE PRESENTATION AND PAYMENT SYSTEM - A method and system for generating and presenting invoices or bills from a biller to a payer. The bills are generally sent to the payer on a branded virtual site to look like the biller's website. Single or multiple bills will be presented to the payer through email notifications. The payer would have the option of paying the entire bill or portions of the bill utilizing various methods of payments, such as e-checks, paper checks, credit or debit cards as well as automatic withdrawal from a checking or savings account. The payer would also have the option of electing a paperless billing system instead of receiving both email as well as paper notifications of a particular bill or bills.11-03-2011
20110270748METHODS AND APPARATUS FOR A FINANCIAL DOCUMENT CLEARINGHOUSE AND SECURE DELIVERY NETWORK - An electronic clearinghouse system (ECS) for securely delivering, retrieving, authenticating, storing, generating and distributing messages, such as financial documents and/or records are described. For message providers, the ECS can provide a secure and trusted venue for delivering messages, such as messages including financial data to their clients that reduces their delivery costs. For users of the ECS, the ECS can provide a central location where each user can receive and consolidate their messages, such as financial documents and associated financial data from a number of different financial data providers. To facilitate these functions, the ECS can include an automated system for recording delivery status as well as evidence of delivery of messages, including whether a message has been viewed by a particular user. Further, the ECS can include components for scheduling events, such as monetary transfers and bill payments, and providing reminders for such events. Also, the ECS can provide utilities that allow a user to package and securely deliver messages to other users.11-03-2011
20130179337Account free possession and transfer of electronic money - The account free possession and transfer of electronic money. Payment with E-Money is a settlement free process. Ownership and transfer occurs by means of name (identification number or URL) of the electronic bill and secure password. A person who knows the name and the password owns the money. Upon change of ownership the password has to be changed. The password change occurs on the server and the rest of the process in the individual wallet application or is processed manually by the user of E-Money.07-11-2013
20130179338System and Method for Debt Presentment and Resolution - A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page.07-11-2013
20130179339TRANSFER ACCOUNT SYSTEMS, COMPUTER PROGRAM PRODUCTS, AND ASSOCIATED COMPUTER-IMPLEMENTED METHODS - Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds.07-11-2013
20130124406Electronic Bill Presentment and Payment System and Method - A method and system using a communication network such as the Internet to allow registered users the flexibility to pay a bill by using traditional non-electronic payment methods after receiving an e-mail notification. The e-mail notification contains at least summary information which is formatted in the form of a remittance which can be included with the non-electronic form of payment allowing a user to retain the ability to pay a bill non-electronically while still being electronically notified that the bill is coming due. Additionally, a registered user has the option to pay a bill electronically after receiving the e-mail by clicking on an appropriate web address embedded within that e-mail. The registered user will either be directed to a biller website or a Customer Service Provider (CSP) and/or a Business Service Provider (BSP) website and given the option to pay the bill electronically.05-16-2013
20130132272CHARGE CONTROL SYSTEM AND METHOD - A charge control system which is applied in a hardware environment includes an electronic device, an intelligent ammeter, and a server. The intelligent ammeter is connected to the server by a network connection. The charge control system includes a storage unit, and at least one processor. The storage unit stores a plurality of validation information. The at least one processor includes a receiving module, a validating module and a charge control module. The receiving module receives information from a user intended to validate the user. The validating module determines whether the received information matches one of the items of predetermined validation information. The charge control module controls the intelligent ammeter to begin charging the electronic device when the received information matches one of items of the predetermined validation information.05-23-2013
20130144781System and Method for Debt Presentment and Resolution - A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page.06-06-2013
20080201260Internet micro payments system - The present invention is directed to a method of micro payments over the internet. A user would establish an account with the micropayment service. The user would fund the account via funding method such as a credit card, PayPal, wire transfer, or other method. The user would fund a minimum amount.08-21-2008
20110251954ACCESS OF AN ONLINE FINANCIAL ACCOUNT THROUGH AN APPLIED GESTURE ON A MOBILE DEVICE - A method of accessing an online financial account through an applied gesture on a mobile device is disclosed. In one aspect, a method of a mobile device includes determining that an applied gesture on a touchscreen of a mobile device is associated with a user-defined gesture. The method may include comparing the applied gesture above the touchscreen of the mobile device with a designated security gesture and then permitting an access of an online financial account through the mobile device when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.10-13-2011
20110238570System of Online Trading Through Intermediary Platform and Methods Thereof - System and methods of conducting an online transaction through an intermediary platform are provided. In one aspect, a system of conducting online transactions comprises an intermediary platform that includes an intermediary platform server and an intermediary platform database. The intermediary platform server includes a synchronous processing unit that receives information of a product from a merchant selling the product causes the information of the product of the merchant to be displayed at a predetermined linked position in a user interface. The intermediary platform server also includes a transaction request processing unit that receives a transaction request to purchase the product from a user, sends the transaction request to the merchant, and receives a transaction result from the merchant. The intermediary platform server further includes an interaction unit that establishes communications with the merchant and the user. The intermediary platform database includes a merchant information storage unit that stores contact information of the merchant and a correlation between the information of the product of the merchant and the merchant. The intermediary platform database also includes a transaction information storage unit that stores information of a transaction, which includes one or more of merchant information, user information, product information, transaction result information of the transaction, or a combination thereof.09-29-2011
20130151402SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT USING A MOBILE DEVICE FOR BILLING TO A SUBSCRIBER ACCOUNT - Systems and methods for electronic payment using a mobile device for billing to a subscriber account. A purchaser (also referred to herein as a “subscriber”) who has an account with a service provider for services unrelated to the purchase, engages a merchant in a transaction using a purchaser mobile device. The purchaser mobile device acquires purchase information to complete a purchase and unique purchaser identification information and communicates this information to a merchant mobile device. The merchant mobile device communicates the purchase information and the purchaser information along with unique merchant identification information to a service provider server. The service provider server interacts with the purchaser mobile device to authorize the purchase and bills a subscriber account associated with the purchaser mobile device upon a confirmation of the purchase.06-13-2013
20130151403SYSTEM AND A METHOD FOR ACCESS MANAGEMENT AND BILLING - An access management system for managing network access of an end-user to one or more online content sources of a number of content providers. The system comprises a content proxy unit that stores the concealed addresses of the content sources. The content proxy unit is designed to receive a request for accessing one or more content sources from the end-user. The system further comprises an access management unit that stores an access rights record of the end-user. The access management unit is designed to authorize the request according to the access rights record of the end user. If the request is authorized, the content proxy unit facilitates the accessing using the concealed addresses of the requested content sources.06-13-2013
20130151404System and Method For Providing Borrowing Schemes - A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network06-13-2013
20130204780SYSTEM AND METHOD FOR PURCHASING SOCIALLY - In accordance with an example embodiment a method and system social payment is provided. The method includes receiving a first payment for a purchase from a first user. The first payment comprises a partial payment for the purchase. The method further comprises, electronically sharing information associated with the purchase with at least one user, associated with the first user, to inform the at least one user about incomplete payment for the purchase. The method further includes completing the purchase, socially, by combining part-payments from one or more of other users that are socially connected to the first user.08-08-2013
20120259773Account Contribution Management - An ability to expose and display a current billing amount associated with a billing account in a billing system to one or more third parties, and to link one or more payments from the one or more third parties to the billing account in an account receivable system is provided. A user may create, publish, and share a fundraising webpage, which when accessed by a third party, allows the third party to send a payment in the form of a contribution or donation. An intermediary system allows for secure communication of billing account data from the accounts receivable system to the third party, allowing the third party to interact with the accounts receivable system as if the third party is in direct communication with the accounts receivable system.10-11-2012
20130138560METHOD AND APPARATUS FOR PAYMENT PROCESSING USING DEBIT-BASED ELECTRONIC FUNDS TRANSFER AND DISBURSEMENT PROCESSING USING ADDENDUM-BASED ELECTRONIC DATA INTERCHANGE - This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement through an accumulator agency. The accumulator agency processes the payment as a debit-based transaction and processes the disbursement as an addendum-based transaction. The processing of a debit-based transaction generally occurs by electronic funds transfer (EFT) or by financial electronic data interchange (FEDI). The processing of an addendum-based transaction generally occurs by electronic data interchange (EDI).05-30-2013
20100318460ELECTRONIC PAYMENT AND AUTHENTICATION SYSTEM WITH DEBIT AND IDENTIFICATION DATA VERIFICATION AND ELECTRONIC CHECK CAPABILITIES - An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.12-16-2010
20120284179TRANSFER DEVICE - The user of a mobile station which is prepared to receive information providing services from unspecified IP (Information Providers) accesses a gateway server and performs a pre-registration procedure (S11-08-2012
20120284178CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH LIEN WAIVER EXCHANGE FEATURES - A construction project document system and method for managing a construction project including storing a signed lien waiver document, executed by a payee in a construction project, to a computer-readable memory. A payment to the payee from a payor in the construction project is facilitated after the lien waiver document has been executed. The payor is provided electronic access to the signed lien waiver document.11-08-2012
20120284177Advanced Payment Management System - The present disclosure involves a method that involves: receiving a request to pay a bill having a billing date; identifying a plurality of funding instruments available for paying the bill; retrieving respective billing cycles of the funding instruments; and recommending one of the funding instruments to pay the bill based on the billing date of the bill and the respective billing cycles of the funding instruments. The present disclosure also involves a system that involves: means for receiving a request to make a payment, the payment having a payment deadline; means for identifying a plurality of different funding sources; means for retrieving billing period information associated with each funding source; and means for recommending using one of the funding sources to make the payment, wherein the means for recommending includes means for comparing the payment deadline with the respective billing period information of the funding sources.11-08-2012
20130185200ELECTRONIC LOCKBOX IMPLEMENTATION AND MANAGEMENT - Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first location. The mail may be scanned at the first location and information may be extracted from the envelopes and items within the envelopes. The information may be verified and grouped into electronic transactions. The electronic transactions may be classified and sorted into batches based on identifiers contained within the information extracted from the mail. The batches of electronic transactions may be processed and information relating to the transactions may be stored.07-18-2013
20130159177COORDINATING LICENSE ACTIVATION OF LICENABLE AUDIO VIDEO (AV) DEVICE COMPONENTS BETWEEN CONTRACT MANUFACTURER AND BRAND MANUFACTURER - A server for reducing license fee payments to account for non-use of a licensed component includes a processor and a computer readable storage medium. The computer readable storage medium is accessible to the processor and bears instructions which, when executed by the processor, cause the processor to determine, for a license period, a first number of consumer electronic (CE) devices that have activated the licensed component. The instructions also cause the processor to determine, for the license period, a second number of CE devices that have not activated the licensed component. In addition, the instructions cause the processor to generate a license fee payment index related to the licensed component based on the first number and excluding the second number.06-20-2013
20130159176System and Method for Debt Presentment and Resolution - A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page.06-20-2013
20110282783Method and Apparatus for Configuring and Establishing a Secure Credential-Based Network Link Between a Client and a Service over a Data-Packet-Network - A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a plurality of billing servers, logging in with credentials supplied by the user, and downloading information concerning one or more bills which the user is responsible to pay, functionality receiving a selection by the end user, indicating a bill the user wishes to pay, and functionality transmitting to the user a deep-link plug-in (DLP) for the billing server where the bill selected by the client is associated, the DLP redirecting the user to a page at the billing server where the user is enabled to pay the bill selected.11-17-2011
20110313920Pay Request System - This web enabled system is capable of facilitating the management of unlimited projects within which an unlimited number of parties may participate to complete an unlimited number of stages, substages and tasks. The system facilitates the efficient disbursal of monies while reducing the inefficiencies that result when money is not timely disbursed. It uses a quasi-escrow system to secure waivers and distribute money simultaneously. Projected timelines for completion, tracking of materials used and materials stored, and partial payments and releases are all managed by the system based on inputs by participating parties. Allowed inputs are governed by each party's function and the password security level provided therefore, in balance with checks against required approvals or releases by other affected parties and intrasystem consistency checks.12-22-2011
20110313919SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION - A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. The system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of transactors and a plurality of creditors through a variety of channels. The system of the invention allows transactors to access and input information related to a particular debt and select the method in which to complete the transaction. For example, transactors may be provided with a URL for a content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication. Upon the transactor entering the URL and entering the identification code, the transactor may then proceed to choose from a variety of settlement options listed on the HTML page. A database system then records the transaction(s) and synchronizes with the database of the collection agency(s).12-22-2011
20110313918Systems 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
20110313917Systems 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
20120023016SYSTEM AND METHOD FOR PRIORITIZING PROCESSING OF PAYMENT INSTRUCTIONS - A prioritizing system and method are disclosed for prioritizing processing of payment instructions through a payment instruction processing system of a business entity. The method includes identifying a first set of rules determining a prioritization among a set of payment instructions. These include payment instructions related to payments from nostro accounts associated with the business entity and processed by other business entities. Also, the payment instructions have data fields for qualitative and quantitative attributes describing the payment instructions. The method also includes holding and ordering the payment instructions in a queue, determining a first sequence ordering the payment instructions in the queue based upon the first set of rules, and initiating processing of the payment instructions in the queue according to the first sequence.01-26-2012
20090299900AUTOMOTIVE MOBILE DIAGNOSTICS - The invention generally relates to vehicle diagnostic systems and their methods of use, and more particularly, to a hand-held automotive diagnostic code-reader/scan tool with data link connector (DTC) which straps to the user's arm and is comprised of a touch screen, a VIN bar code/number scanner, a credit card reader, a printer, and internet and cell phone connections to a variety of servers for credit card approval, billing and vehicle diagnostics. The credit card is scanned and billed followed by scanning the vehicle VIN number or bar code and sending the information to the vehicle OBD2 server who identifies the vehicle, orders the handheld tool to perform certain tests upon the vehicle and in turn performs a diagnosis. A live wireless cell phone connection may be made, if necessary, with a technician at the OBD2 server for tech support. Test results are returned to the hand tool which prints out the results, prints a credit card receipt and sends a record of the transaction to the operators server Corp. for record keeping.12-03-2009
20120030102FACILITATING A NETWORK COMMUNICATION SERVICE FOR A SUBSCRIBER LINKED TO A PLURALITY OF ACCOUNTS - There is provided a method that includes (a) receiving a notification of an event concerning a network communication service involving a subscriber, in which the subscriber is linked to a first account having first account terms, and a second account having second account terms, (b) making a decision of whether to handle the network communication service in accordance with the subscriber being linked to the first account or in accordance with the subscriber being linked to the second account, and (c) issuing a communication to a device to facilitate the network communication service, pursuant to the decision. There is also provided a system that performs the method, and a storage medium that contains instructions for controlling a processor to perform the method.02-02-2012
20120030101VENDOR PAYMENT CONSOLIDATION SYSTEM - Several related entities can owe payments to a single vendor. For example, several related companies can owe payments to developers who sell software using several storefronts operated by the related companies. To limit the number of payments made to the developer, a third-party payment processing entity can receive individual payments from each of storefronts for a developer, can aggregate the payments and convert their respective currencies if necessary, and provide a single payment on behalf of all of the storefronts to the developer. Because the payment processing entity is a third party (e.g., a bank) and not related to the storefronts, the tax or other advantages procured from having several storefronts can be preserved while reducing the costs of paying the developer (e.g., fewer transaction fees).02-02-2012
20120030100RECURRING MONEY TRANSFER - A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.02-02-2012
20120030099MULTIPLE RATE LOAN - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. In some embodiments, the systems and methods of the present invention are used in connection with a HELOC account.02-02-2012
20120030098RECEIVER DRIVEN MONEY TRANSFER ALERT SYSTEM - A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money transfer initiation request includes an amount of funds to be transferred, receiver information, and sender information. The method also includes staging a money transfer transaction after receiving the money transfer initiation request, wherein the money transfer transaction is pending an authorization by the sender to fund the money transfer. The method further includes providing the sender with a notification of the money transfer transaction, receiving the authorization to fund the money transfer transaction, and executing the money transfer to transfer the funds from the sender to the receiver.02-02-2012
20130198065ADAPTIVE NAME RESOLUTION - A method, system, and computer-readable memory containing instructions include receiving a DNS request containing information related to user-specific information, device-specific information, and/or authentication information, analyzing the information, determining an appropriate action to take based on analyzing the status, and taking the appropriate action. Actions may include responding with an individualized network layer address or service location address, delaying sending a response message, sending a network layer address or service location address corresponding to a site containing authentication information, and sending a response with a network layer address or service location address with a web address configured to mimic the website related to the requested resource.08-01-2013
20090006253System and method for data comparison and reconciliation by a business customer using an electronic bill presentment system - A method for flexible automated comparison of a biller's data with the business customer's data via the EBPP system that is in place between the two. The biller stores a first set of customer billing data in its EBPP database. The customer stores a second set of customer billing data reflecting its most current information. The biller presents an electronic statement to the customer based on the first set of customer billing data. The customer selects one or more of the invoices for comparison and billing data fields to perform comparison on. The customer transmits an input file to the biller reflecting local data. The biller EBPP system then compares the customer's local billing data with the EBPP data. The step of comparing further includes selecting a comparison set of data from the EBPP data based on the one or more invoices selected by the customer. The comparison is performed on the fields indicated for comparison by the customer. The type of comparison to be done may also be indicated in the input file. The EBPP system of the biller then provides a comparison report to the customer showing instances where the comparison set and the second set of data are different.01-01-2009
20120078781Automatic Bill-Pay Setup - A system and method of automatically setting up bill-pay transactions between a customer of a financial institution and a bill-pay client is presented. The system and method may include identifying, by a bill-pay system associated with the financial institution, one or more customers eligible for automatic bill-pay set up and one or more bill-pay clients. Upon acceptance of an offer to the customer to automatically setup bill-pay, bill-pay transaction data may be received at a bill-pay system and may be used to set up one or more bill-pay transactions between the customer and the bill-pay client.03-29-2012
20130097073Method and System for Flexible Payment Processing - Embodiments of the invention are directed to a computer-implemented method for enhancing payment flexibility implementing a computer processor accessing at least one storage medium. The method includes receiving payment notification including a payment amount and a payment date for an identified customer and determining eligibility for flexible payment status implementing the computer processor, the determination based on the customer identity, the payment date, and a payment due date. The method further includes calculating a flex accrual using the computer processor if the customer is eligible for flexible payment status, the flex accrual based on the payment amount, the payment date, and the payment due date and communicating the flex accrual to the customer. The method additionally includes allowing the identified customer to utilize the flex accrual by making a late payment without penalty, wherein a number of days late and dollars paid are determined based on the flex accrual.04-18-2013
20120084202WIRELESS NETWORK INFRASTRUCTURE - An access point of a network maintains information about data received at the access point from a server accessible via the network and provides to the server the information maintained at the access point. The access point then receives from the server a pavement for an account associated with an operator of the access point.04-05-2012
20130212012System And Method For Mobile Electronic Purchasing - A method for electronic purchasing via a mobile web-enabled smartphone or other communication device. A contacts list containing shipping addresses is stored on the smartphone. Initially, personal payment data, including credit card information, is entered into a smartphone, and sent to a payment gateway. The payment data in the smartphone is then redacted. The payment gateway sends a unique token to the smartphone for use in validating the current purchase transaction. In response to a request for credit card and shipping information from a merchant website for an item to be purchased, a specific one of the credit cards and a specific one of the shipping addresses is selected from a stored profile list. The token for the selected credit card and the shipping address are sent to the merchant website. The token and the selected shipping address are then sent from the merchant site to the payment gateway for validation.08-15-2013
20130212011Closed Loop Accounts Payable Network System and Method - A system and method operable to provide a closed loop accounts payable network with end-user rate-adjustment options. The system and method for a closed loop accounts payable network for commercial card payments allows for setting one or more payment terms using the system.08-15-2013

Patent applications in class Bill distribution or payment