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US20090138397 Credit 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...
US20150058210 METHODS AND SYSTEMS FOR DETERMINING AVAILABILITY OF A PAYMENT PROCESSING SYSTEM  
A method for monitoring for a new fine includes receiving, by a first computing device, a user identifier and credit card information associated with the user identifier. The method includes...
US20110246373 PAYMENT MANAGEMENT ON MOBILE DEVICES  
Embodiments of techniques and systems for asynchronous offline bill review and payment are described. A bill payment management module, operated on a manageability engine on a mobile device,...
US20140089118 "Pay/load" product sale at national retailers  
Method and apparatus for effecting a bill-pay/account-loading program as a “product” for sale at retailers, preferably including consumer involvement 1) in establishing a relationship with a...
US20120191602 Automated 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...
US20080010197 Enhanced municipal bidding model  
A system and methods for billing by a hauler for municipal waste collection, including providing a contract between the municipality and the hauler for waste collection services with an invoicing...
US20140006272 NOTIFYING MOBILE DEVICE USERS OF A SUGGESTED PAYMENT TYPE PRIOR TO CONDUCTING A TRANSACTION AT A MERCHANT  
Devices, methods and computer program are defined that provide for notifying (e.g., alerting) users of mobile devices as to suggested payment types accepted by the merchant at which the user is...
US20050222951 Systems and methods of targeting savings  
Systems and methods of targeting savings deposits are provided that enable a depositor, such as a customer of a financial institution, to save money for various purposes or goals. A financial...
US20120278229 Methods 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...
US20100305985 Contract management system  
A contract management system is disclosed for managing a contract between a supplier and a purchaser, the system comprising a stage payment management unit for receiving contract information from...
US20120047066 Transfer 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...
US20120072337 Payment Processing System Debt Conversion Notification  
When a buyer's debt to a seller cannot be paid using an account issued to the buyer by an issuer within a payment processing system, then either or both the seller and the buyer are solicited to...
US20070033136 Secured financial transaction device  
An electronic device provides a trusted computing platform for authenticating online financial transactions. In one implementation, financial terms are enciphered by a financial entity using a key...
US20100082476 COMPREHENSIVE METHOD FOR INCREASING CREDIT SCORES  
A comprehensive method for guaranteeing an increase in the credit score of a qualified consumer, which subsequently assists the consumer in securing all types of loan financing, including, but not...
US20130173465 SYSTEM 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...
US20050015327 Method of trading through a net  
The present invention provides a unique trading method that is presented to a plurality of users through a media such as Internet, TV, telephone networks etc. According to the new trading method,...
US20050177499 PAY YOURSELF FIRST SYSTEM  
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. In general, the...
US20120209766 BILL 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...
US20110276481 Automated 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...
US20130262301 Account Based Handset Protection Coverage  
Methods and means for device account based protection coverage are provided which allow for account holders to share a protection plan across a shared account, thereby covering a plurality of...
US20090177488 SYSTEM AND METHOD FOR ADJUDICATION AND SETTLEMENT OF HEALTH CARE CLAIMS  
Systems and methods are disclosed for settling health care claims as part of a claim adjudication process. A standard financial transaction network is used to settle the portion of the claim not...
US20120072342 System 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...
US20080249936 BILL 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...
US20120101942 METHOD 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...
US20150134515 METHODS AND SYSTEMS FOR ELECTRONIC PAYMENT OF A CONSUMER'S BILLS  
An example method for electronic payment of consumer bills can include receiving enrollment information from a consumer, and using the enrollment information, obtaining information related to a...
US20130085933 PATENT 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...
US20120299966 MOBILE TERMINAL AND CONTROL METHOD THEREOF  
A mobile terminal and a control method thereof are disclosed. The mobile terminal includes: a battery; a wireless charging unit; and a controller configured to perform a payment procedure through...
US20050251477 On-line billing system and method of the same  
An on-line billing system and method capable of integrating the electronic billing and payment process, comprises the steps of: forwarding the file of check sheet details to HUBWEB interface,...
US20120226605 Systems 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:...
US20050182722 Personnel risk management system and methods  
A method and system for providing expatriate risk management are disclosed. The method includes receiving intelligence from at least one intelligence source, receiving asset information, and...
US20090112759 ACCUMULATED TRANSACTIONS  
A system and method of terminating a transaction between a merchant and customer are disclosed.
US20050209965 Notification of the availability of electronic bills  
To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify...
US20060080243 System and method for issuer originated payments for on-line banking bill payments  
Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a...
US20110320349 RENTAL 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...
US20130218762 METHOD AND SOFTWARE APPLICATION AND SYSTEM FOR AUTOMATED BILL PROCESSING  
Methods and systems are provided for processing one or more bills of a biller. Methods and systems may present a request to pay one or more of a set of one or more bills in total or in part on a...
US20140101037 Real-Time Authorization Interchange Surcharge  
A computer system for receiving an issuer's authorization for a purchase, wherein a sale amount for the purchase includes at least one interchange fee comprises a computer. The computer is...
US20080275774 Web based auto bill analysis method  
Method for automatically analyzing customer's bill, such as cell phone bill, received in electronic format for errors and utilization against company's published plan by third-party on...
US20070078764 Scalable lazy payment capture in online commerce systems  
Embodiments of the invention can include an online commerce system, method and computer program product configured for scalable lazy payment capture. The system can include an online commerce...
US20130024365 Fee-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...
US20120158583 AUTOMATED 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...
US20090089193 BILL PAYMENT AGGREGATION SERVICE  
Tools for providing bill aggregation and/or payment services. In an aspect, such tools aggregate all payments over a given period of time, allowing a user to make a single payment to ensure that...
US20130282572 SYSTEM AND METHOD FOR THE DISTRIBUTION OF SOFTWARE PRODUCTS  
A system and method for selling software products over a network. The system includes a server computer with access to software products. The system is configured to allow a user to purchase a...
US20110276479 PRIVATE 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...
US20140052626 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...
US20120173419 VISUAL 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...
US20100036769 ACCOUNT 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...
US20090327125 ENHANCED 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...
US20100332384 TRANSACTION 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...
US20120209636 SYSTEM AND METHOD FOR FACILITATING AND ARRANGING AIR TRAVEL  
A system to facilitate group travel on non-commercial aircraft is provided having an aircraft operator database on an electronic medium that can have a listing of registered, independent, and...
US20120197791 SYSTEM 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.