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US20130179337 Account 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...
US20110208649 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...
US20120254024 Pay-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...
US20150039501 Supplier Using A Buyer-Initiated Payment System To Provide Qualifying Information To Obtain An Interchange Rate  
A supplier uses a Buyer-Initiated Payment (BIP) system, such as a Payer Direct Hub (PDH), to obtain a selected interchange rate to charge the supplier. The payer may use a Supplier-Initiated...
US20050097039 Multiple credit card management system  
According to one aspect of the invention, a method for coordinating the management of credit between an Internet user and a plurality of lending institutions via the Internet, includes the steps...
US20050043963 Product recycle fee payment method and system  
A method of paying the fee of recycling a used product is disclosed, which includes the steps of managing ID information of a recycle certificate issued and sales information indicating the...
US20130317982 SYSTEMS AND METHODS FOR FACILITATING FINANCIAL TRANSACTIONS OVER A NETWORK  
Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a...
US20130036030 SYSTEMS AND METHODS FOR FACILITATING FINANCIAL TRANSACTIONS OVER A NETWORK  
Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a...
US20080215485 Automatic 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...
US20130085937 Methods 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...
US20080177633 PROCESSING CHARITABLE CONTRIBUTION  
Among other things, generating a transaction slip associated with a transaction. The slip includes a non-contribution associated with a retail transaction, and a space for a customer to provide an...
US20140058934 Systems and Methods for the Payment of Customer Bills Utilizing Payment Platform of Biller  
The present invention is directed to systems and methods providing payment into a pre-existing customer account with a provider of goods or services, the method facilitated between a customer, a...
US20080215469 Consumer Finance Method and System  
A consumer finance method and system financing a purchase including the steps of providing new goods or services to at least partially replace used goods or services which the customer is...
US20140351118 MULTI-PAYER PAYMENT SYSTEM  
A method for providing multi-payer, location-based payments includes detecting at least one mobile device using a near field communication device. At least one of a plurality of secondary payers...
US20150149351 TRANSACTION MANAGEMENT SYSTEM AND TRANSACTION MANAGEMENT PROGRAM  
A transaction setting information storage part stores an upstream trader from whom an intermediary trader purchases a product identified by a product ID. A price storage part stores a first sales...
US20130246203 PAYMENT PROCESSING METHODS AND SYSTEMS  
Systems, methods and apparatus for conducting payment transactions are provided. Pursuant to some embodiments, the payment transactions may be conducted between a consumer operating a mobile...
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...
US20150229586 SYSTEM AND METHOD OF BROKERING CLOUD COMPUTING RESOURCES  
System, method, and tangible computer-readable storage media are disclosed for providing a brokering service for compute resources. The method includes, at a brokering service, polling a group of...
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...