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US20060047600 Method and system for borrowing base certificate administration  
An embodiment of the present invention relates to borrowing base certificate administration. A method and system may include generating a borrowing base template for a loan wherein the borrowing...
US20100100480 Apparatus 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...
US20120023016 SYSTEM 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...
US20130018785 MERCHANT 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....
US20110004549 SYSTEM 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...
US20050165677 Method of increasing a realized portion of periodically-paid monetary payments  
A method of increasing a realized portion of a plurality of monetary payments includes: creating a deferred income account; identifying a payout amount; receiving into the deferred income account a...
US20050137978 Presentation and payment of bills over a wide area communications network  
A bill is presented and payment of the presented bill is requested over a communications network having a first network site associated with a bill payment entity, a second network site, which is...
US20120296817 SYSTEMS AND METHODS FOR PROMOTING PRODUCTS AND SERVICES  
Disclosed are systems and methods for promoting products and services in a retail environment.
US20060195397 Centralized electronic bill presentment  
To make bill information available for presentation to a user entity, a first network site receives a request of the user entity for bill information, from a third network site associated with the...
US20110184818 TRUTH SIGNALS  
A method and apparatus for paying for an existing report are provided. In the method, an existing report for which a first structure of entities is identified is received. Thereafter, a set of...
US20130218764 ELECTRONIC 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...
US20110270747 System 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...
US20110093382 SYSTEM AND METHOD FOR FUNDING A PREPAID CARD ACCOUNT WITH A LOAN  
Systems and methods for funding a prepaid card account with a loan are disclosed. One embodiment includes, receiving, by an account manager at a host server, a request from a customer to fund the...
US20080033874 REVENUE MANAGEMENT SYSTEMS AND METHODS WITH SPONSORED TOP-UP OPTIONS  
A revenue management system for telecommunication systems is disclosed. The revenue management system can have multiple integrated modules. The modules can include a revenue generation module, a...
US20140006271 CROSS-NETWORK ELECTRONIC PAYMENT PROCESSING SYSTEM AND METHOD  
The present invention is a cross-network system and method for electronic payment processing using a unique universal ID (called “PID”) through which a user can securely and conveniently send pay...
US20110055080 System, 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...
US20090287604 DESKTOP 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...
US20110093387 SYSTEM 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...
US20110208651 INTERNET 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...
US20050222854 Automatically processing an expense report using an expense report agent  
Processing an expense report includes receiving transaction identifiers at an expense report agent, where a transaction identifier corresponds to a transaction. The expense report requests...
US20120197792 Verifiable 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...
US20080201260 Internet 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...
US20060089906 Method for securing a payment transaction over a public network  
A method for processing a payment transaction between a buyer and a seller over a network using a payment manager is provided. The payment manager manages a plurality of buyer and seller accounts,...
US20060080239 System and method for pay-per-click revenue sharing  
A method for revenue sharing in Internet pay-per-click advertising wherein a user designates an entity and makes at least one click, the least one click generates revenue and the entity receives at...
US20120197786 PHONE 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...
US20100262538 METHODS 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...
US20120041874 NON-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...
US20140019346 UNIVERSAL SYSTEM FOR ELECTRONIC CHECK CREATION AND PAYMENT VIA IMAGE CASH LETTER  
Methods, systems and instructions stored on computer-readable media for receiving an invoice associated with a buyer from a vendor that includes an invoice amount. The invoice is sent to the buyer....
US20050177503 PAY YOURSELF FIRST LOYALTY SYSTEM AND METHOD  
The invention encourages users by providing loyalty points when the users not only pay themselves first, but when the users pay themselves first in the largest amounts possible, even if they are...
US20090063330 METHODS AND SYSTEMS FOR ACTIVELY OPTIMIZING A CREDIT SCORE AND MANAGING/REDUCING DEBT  
The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances,...
US20110106668 PAYMENT APPLICATION ON CLIENT DEVICE  
A payment method according to an embodiment comprises receiving, by a payment provider, a payment amount for an application, product and/or service selected by a user over a client device, wherein...
US20090192831 SECURITIZATION OF HEALTH CARE RECEIVABLES  
A method, system, and control program for expediting payment of claims to service providers and to reduce institutional capital reserves. The method includes evaluating a risk of full payment of...
US20050278252 Method for balance sheet adjustment with financial investment capabilities  
A PLAN and SPECIAL PLAN are disclosed which are business methods for allowing a business to include in its financial statement an asset to counterbalance the liability that is reported on the...
US20100205091 AUTOMATED 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.
US20070255620 Transacting Mobile Person-to-Person Payments  
In a mobile payment system, registered users or members may send payment to other member or unregistered users or nonmembers. In a specific implementation, a person-to-person payment system allows...
US20060059079 Price improvement in electronic trading system  
Price improvement in credit screened trading systems is achieved by entering a maximum price improvement (MPI) amount with a maker quote. The system prepares separate quote queues for each trading...
US20130339229 METHOD AND SYSTEM FOR PAYMENT THROUGH MOBILE DEVICES  
Processing payment through a mobile device includes: receiving a command; using an upper layer application program executing on the mobile device to generate a payment request based on the command...
US20120185382 Pay 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...
US20100023411 System of transferring and utilising reusable credit  
The present Invention provides a system of transferring and utilising reusable credit including a server having at least one database, at least one credit account having at least one line of...
US20130166423 PROVIDING CONTENT ON CONNECTED DEVICES  
Among other disclosures, a method can include executing instructions on a computing platform so that an application and consumable content rendered by the application are provided to a connected...
US20090006135 Accelerated Payments for Health Care Plans  
A method for accelerating a payment to a merchant for a healthcare related claim. The method comprises submitting a healthcare related claim for payment from the merchant to a payer; determining at...
US20080288400 Centralized Payment Method and System for Online and Offline Transactions  
Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service)=According to an embodiment, a...
US20050060260 Payment system, payment apparatus, and payment program storage medium  
A payment system realizes payment with high flexibility, and includes: a transaction designation section designating a transaction to be settled depending on an operation; a payment way designation...
US20070299699 System and Method for Initiation of Payment of a Member Cost Portion of Insurance Claim Expenses  
A method and system for providing initiation of payment of a member's cost portion of insurance claims to a provider includes an insurance company adjudicating claims received from a provider, and...
US20100036736 SYSTEM AND METHOD FOR REVENUE SHARING WITH A FITNESS CENTER  
Systems and methods for revenue sharing with a fitness center are disclosed. In one aspect, embodiments of the present disclosure include a method, which may be implemented on a system, to...
US20100082466 BENEFICIARY INITIATED P2P, P2B PAYMENT MODEL  
A system and method that allows a Payee to request payment from a Payor is disclosed. The system allows the Payee to issue an invoice in electronic form detailing the payment request to the Payor....
US20080270192 Financial Products  
A method and apparatus for providing a financial product from a first party to a second party, wherein a processing system (10) is configured to receive loan parameters relating to a loan from the...
US20070294166 Add on investment technology and purchase plus  
A system, software product and process for enabling automated investment of funds is disclosed. Using current and existing bank accounts, account holders can debit from or charge to these accounts...
US20100268628 Managing controlled content on a web page having revenue-generating code  
Managing controlled content on a web page is disclosed. A web page is analyzed. Controlled content and revenue-generating code are detected on the web page. A party to contact is determined based...
US20100106611 FINANCIAL TRANSACTIONS SYSTEMS AND METHODS  
Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants...