Patent application number | Description | Published |
20110208612 | ELECTRONIC PAYMENT SYSTEM AND METHOD - Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes receiving a request to purchase an electronically transmittable item of a vendor via electronic communication network, wherein the electronically transmittable item is configured to be received via electronic transmission, providing honorary credit to a purchaser in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide payment to the one or more agents for purchase of the electronically transmittable item, providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving partial or complete payment for the electronically transmittable item, and receiving partial or complete payment for the electronically transmittable item via at least one of the one or more agents. | 08-25-2011 |
20110208641 | HONORARY PAYMENT SYSTEM AND METHOD - Provided in some embodiments is a method for conducting a transaction for electronically transmittable items. The method includes receiving a request to purchase an electronically transmittable item of an internet vendor, wherein the electronically transmittable item is configured to be received via electronic transmission, requesting a voluntary payment from a purchaser in exchange for providing the electronically transmittable item, wherein the request comprises a request to provide the voluntary payment to one or more third party agents, providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving the voluntary payment for the electronically transmittable item, and receiving the voluntary payment for the electronically transmittable item via at least one of the one or more third party agents. | 08-25-2011 |
20110208642 | TRANSACTION SCORING SYSTEM AND METHOD - Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes receiving a request to purchase an electronically transmittable item of an internet vendor, wherein the electronically transmittable item is configured to be received via electronic transmission, assessing honorary credit worthiness of a purchaser requesting to purchase the electronically transmittable item from an internet vendor via electronic transmission, and if the honorary creditworthiness of the purchaser satisfies a credit threshold: providing honorary credit to the purchaser in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide payment to the one or more agents for purchase of the electronically transmittable item, and providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving payment for the electronically transmittable item. | 08-25-2011 |
20110208643 | HONORARY CREDIT SYSTEM AND METHOD - Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes providing a system configured to provide honorary credit to a purchaser in exchange for an honorary commitment to provide payment for electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide a payment to the one or more agents for purchase of the electronically transmittable item, receiving a request from a first purchaser to provide a second purchaser honorary credit in exchange for an honorary commitment to provide payment for an electronically transmittable item to one or more agents, providing the second purchaser honorary credit in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, providing the electronically transmittable item to the second purchaser via electronic transmission prior to receiving payment for the electronically transmittable item, and if a payment is received for the electronically transmittable item via at least one of the one or more agents, providing an incentive to the first purchaser. | 08-25-2011 |
20110208649 | INVOICE 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 |
20130006785 | SYSTEM AND METHOD TO FACILITATE SETTLEMENT OF A TRANSACTION - Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are systems and methods for settling a transaction between a point-of-sale terminal and a merchant-partner, wherein the point-of-sale terminal receives presentment of a payment for the merchant-partner from an end-user. | 01-03-2013 |
20130041729 | SYSTEM AND METHOD TO FACILITATE RETAIL PROMOTIONS - Disclosed herein are systems and methods for facilitating retail promotions. The systems and methods disclosed generally include: (a) defining terms of a retail promotion; (b) identifying whether a consumer has acted in accordance with the terms of the retail promotion; and (c) authorizing a tender presented by the consumer, based on whether the consumer has acted in accordance with the terms of the retail promotion. The disclosed systems and methods have wide ranging applicability, including (non-exclusively): (1) allowing a brand company to initiate localized promotions at a point-of-sale retailer; (2) allowing a point-of-sale retailer to initiate localized promotions; and/or (3) allowing a point-of-sale retailer to build a customer database and build customer loyalty, without having to make significant changes to their point-of-sale terminal infrastructure. | 02-14-2013 |
20130041741 | System and Method to Facilitate Retail Promotions - Disclosed herein are systems and methods for facilitating retail promotions. The systems and methods disclosed generally include: (a) defining terms of a retail promotion; (b) identifying whether a consumer has acted in accordance with the terms of the retail promotion; and (c) authorizing a tender presented by the consumer, based on whether the consumer has acted in accordance with the terms of the retail promotion. The disclosed systems and methods have wide ranging applicability, including (non-exclusively): (1) allowing a brand company to initiate localized promotions at a point-of-sale retailer; (2) allowing a point-of-sale retailer to initiate localized promotions; and/or (3) allowing a point-of-sale retailer to build a customer database and build customer loyalty, without having to make significant changes to their point-of-sale terminal infrastructure. | 02-14-2013 |
20130144734 | MONEY TRANSFER SYSTEM USING PRE-FUNDED ESCROW - Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account. | 06-06-2013 |
20140012690 | Systems and Methods for Facilitating Cash-Based Transactions - Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are pricing systems and methods for establishing and staging transactions between a point-of-sale terminal, one or more merchant-partners, and a service provider. | 01-09-2014 |