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US20060129483 Method for transacting a trade electronically, and a system therefor  
A method for electronically transacting a trade between a commercial provider and a customer of a merchant. The method is also for electronically paying all of the participants involved with...
US20050075975 Allocating funds for payment of transactional account statements  
Systems and methods for providing electronic management of transactional accounts. A computer device is used to provide financial resource allocation and accountability among various groups of...
US20050246276 Method for disbursing account payable  
A method for disbursing account payables includes at least the following steps: first, users enter intended sifting payable expenditure conditions in an account payable system; then the account...
US20100174625 Method and System for Awarding Points for Purchases for Purposes of Providing Humanitarian Aid  
A system is described for providing humanitarian aid. The system includes means for providing a sponsored item for sale at a merchant. The sponsored item is associated with a corresponding point...
US20100042540 Bill 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...
US20050021463 Product for and method of securing funding for higher education  
A product and method for financing expected future educational expenses. The method includes the basic steps of acquiring information on past educational expenses at institutions of higher...
US20090094156 Automated 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 (1), at least one bank (5), and multiple billers (3). The system has a customer registration...
US20100057612 KIOSK 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...
US20090254477 REVERSE 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...
US20060085338 System and method for imbedding a defined benefit in a defined contribution plan  
A system and method for providing a user with a portable benefit, within a qualified or non-qualified defined contribution plan, based on a formula the result of which indicates the exact...
US20130030995 Method 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)...
US20080235061 Arrangements For Deriving Financial Benefits From Equity Owned in Property  
A system and method for providing equity based benefits to a person dependent upon equity in property owned by the person is disclosed. The method (2200) is implemented on a computer based system...
US20050216279 A Method of Simplifying E-commerce Marketplace Mail Order Sellers Invoicing, Accounting and Label Printing  
The present invention provides a system and method for the marketplace invoices generating and management. The system is a web based software created to assist marketplace sellers, such as those on...
US20100042537 ELECTRONIC BILL PAYMENT WITH VARIABLE PAYMENT OPTIONS  
A system for third party bill payment services is provided. CONFORM TO BROAD CLAIM
US20130073457 AGENT 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...
US20090327128 SYSTEM 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...
US20080097903 METHODS AND SYSTEMS FOR SUBSTANTIATION OF HEALTHCARE EXPENSES  
Methods and systems are disclosed for processing a request to fund a purchase from a provider with a medical expense account. The request identifies expenses incurred with the purchase is received...
US20110251952 APPARATUS 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...
US20100223188 Online Payment System and Method  
An online payment system uses an electronic check system to make a payment to a merchant on behalf of an online customer. The electronic check system receives a check application request of the...
US20120284178 CONSTRUCTION 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...
US20080091597 Bill Payment Methods  
A method for paying bills is provided. The method includes receiving a list of creditors from a customer, calculating an average of a customer's periodic bills from the creditors, paying the...
US20070226138 Systems and methods for subscriber to payee cross pollination  
Systems and methods for processing subscriber and payee information include storing information identifying a first subscriber of an electronic payment service, and receiving information...
US20100174626 PAYMENT SYSTEM  
Embodiments of the invention provide a method of processing payment authorisation requests for payment transactions to be conducted via a data communications network on behalf of online merchants....
US20100031333 SECURE EMAIL  
Methods of paying debt over a network and debtor computer systems are provided for forming a secure email link between the debtor computer system and a creditor computer system; transmitting a...
US20090313131 Systems and/or methods for simplifying payment systems, and payment instruments implementing the same  
The exemplary embodiments described herein relate to systems and/or methods for simplifying payment systems, and payment instruments implementing the same. In particular, certain exemplary...
US20090157545 FACILITATING 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,...
US20050262018 Business method for internet advertising  
The applicant has presented a business method to improve advertising return incorporating paying referral fees directly to customers and gathering information on tendencies to increase target...
US20050010523 Integrated bill presentment and payment system and method of operating the same  
An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers,...
US20120203693 SYSTEMS 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....
US20100010918 Multi-Merchant Payment System  
A method of payment for multi-vendor gift cards, comprising maintaining a merchandise database comprising records for merchandise and services for a plurality of merchants, enabling a gift card...
US20100217697 System and Method for Providing a Cash Advance  
A loan system and cash advance product is provided which provides funds instantly to a financial institution or equivalent payment provider for pick-up by a registered user of the system. The user...
US20120226606 Method 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...
US20090299899 Impulse 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...
US20080288376 Centralized payment hub method and system  
Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). In another embodiment, a financial...
US20080114676 METHOD FOR PROVIDING A PREPAID DEBIT CARD FOR DEBT RECOVERY  
Prepaid debit card and cash-back bonuses as an incentive tool for debt recovery. Charge-off accounts are obtained from third party credit holders. The customers for these accounts are contacted for...
US20050080732 Internet payment and security system  
A system is described for enabling a user to make Internet purchases utilising a transfer of a pre-determined credit to an on-line account from an existing service provider to that user. In use, a...
US20050283437 Methods and systems for discounts management  
An embodiment of the invention is directed to a computer implemented business method in an electronic system in which payment information is exchanged between a buyer and a seller. Approval is...
US20120089494 Privacy-Preserving Metering  
Privacy protecting metering is described such as for electricity, gas or water metering, metering use of cloud computing resources, traffic congestion charging and other metering applications. In...
US20100280944 PAPERLESS 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...
US20100241531 Secure Item Purchasing And Fraud Avoidance System  
The invention is a system supporting a payment and inspection service used to securely purchase merchandise on an online sale website. A buyer or seller can select using the payment and inspection...
US20090248576 VARIABLE 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...
US20100036760 FLEXIBLE AND ADAPTIVE ACCRUAL METHOD AND APPARATUS FOR CALCULATING AND FACILITATING COMPLIANCE WITH TAXES AND OTHER OBLIGATIONS  
A computer-based system and method calculates and facilitates revenue accrual, for making larger, less frequent payments of estimated taxes or other obligations. Payer preferences are applied to...
US20100205088 Methods and systems for netting of payments and collateral  
The present invention generally provides for systems and methods for netting payments and collateral. Generally, systems and methods of the present invention maximize market liquidity and minimize...
US20110246361 METHOD 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...
US20070094135 Text and multimedia messaging payment method  
Described is a system that relates to purchases of and/or access to remotely located goods, services and information in general, such as through the Internet or by mobile phone devices, including...
US20080172329 CENTRALIZED AFFILIATED MARKETPLACES SYSTEMS AND METHODS  
A centralized marketplace for efficient and streamlined third party listings, including advertisements, to be placed within marketplaces. An automated backend coordinates the listing transactions,...
US20060155643 Payment instrument notification  
Payment instrument notification is described. In an implementation, a method is described in which a user is notified of impending expiration of a payment instrument that is utilized to interact...
US20080201212 SMART SIGN MOBILE TRANSIT FARE PAYMENT  
A system and method for facilitating the payment and collection of transit system fares using a mobile device utilizes a smart sign including near field communication (NFC) devices that communicate...
US20050044041 Term note paired with a money market note  
There is provided an arrangement for a money market note and a term note. The arrangement includes (1) a provision for crediting (a) a collection to (b) principal of the money market note, if the...
US20050234821 Methods for creating, issuing, managing and redeeming annuity-based retirement funding instruments  
A method for administering an annuity-based retirement funding in which an investor's funds or current income is used to make incremental purchases of immediate annuity benefits at market rates,...