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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 than...
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 Transportation...
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 patent...
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.
US20120233069 MONEY TRANSFER SYSTEMS AND METHODS  
The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the...
US20110238570 System of Online Trading Through Intermediary Platform and Methods Thereof  
System and methods of conducting an online transaction through an intermediary platform are provided. In one aspect, a system of conducting online transactions comprises an intermediary platform...
US20110295614 HEALTHCARE POINT OF SERVICE ADJUDICATION AND PAYMENT SYSTEM  
Systems and methods are described that facilitate providing an online, automated payment architecture that aggregates funds from multiple health-related accounts (e.g., a member's HSA, an...
US20090083069 MEDICAL PAYMENT SYSTEM WITH DELAYED SETTLEMENT  
Medical professionals may obtain payment authorization from their patients, even before the insurance company or other payer has determined the patient's ultimate financial obligation. In...
US20080046363 Automated bill payment  
An automated system enables presenting bills and paying bills in a convenient, secure and timely manner. The automated system stores user information in a database, the user information including...
US20130297498 METHOD AND SYSTEM FOR PROVIDING BROADBAND ACCESS TO A PLURALITY OF CUSTOMERS  
A system for transferring web content between a customer's user terminal and a web service over the Internet including an access network connected to the user terminal, a proxy server connected to...
US20100161446 SYSTEM AND METHOD FOR WIRELESS ORDERING USING SPEECH RECOGNITION  
Disclosed herein are systems, computer-implemented methods, and tangible computer-readable media for placing an order for a user. The method includes receiving a search from a user, identifying a...
US20110225065 SYSTEM AND METHOD FOR PROCESSING SINGLE SALE TRANSACTIONS INVOLVING ONE OR MORE PAYORS  
A system for processing sales transactions may include a first computing device in communication with a buyer-operated computing device, and a computer-readable storage medium in communication with...
US20080052229 Automated loan repayment system and method  
Systems and methods for automated loan repayment involve utilizing consumer payment authorization, clearing, and settlement systems to allow a merchant to reduce an outstanding loan amount. After a...
US20080177669 Methods related to engagement of service providers  
A method includes receiving from a potential consumer of services information related to a matter pertaining to the subject matter of the services; storing the information in a storage medium;...
US20050234818 Automated on-demand online media manufacturing and fulfillment system  
A system and method for automated on-demand manufacturing and fulfillment of products such as media. A server receives an order for a product and requests payment for the order without human...
US20080091511 Method and system for registering, credentialing, rating, and/or cataloging businesses, organizations, and individuals on a communications network  
A method and system for registering, credentialing, rating, trending, monitoring and cataloging businesses, organizations, and individuals. The applicant business, organization, or individual...
US20120066119 METHOD AND SYSTEM FOR ACCESSING WIRELESS ACCOUNT INFORMATION  
A method for managing wireless account information. A list of applications is presented via a web interface on a computing device. The applications are operable to run on a wireless handheld device...
US20050125345 Early bill payment process  
A method for enabling a consumer bill recipient to pay his/her bills via the USPS or other carrier sooner than was heretofore possible. The foregoing is accomplished by enabling a company to send a...
US20080228545 Live multimedia product catalog system that integrates with on-line stores  
A live multimedia product catalog system that integrates with online stores includes at least one on-line provider of advertisements or online goods, a module to make and edit catalogs, a module to...
US20100017285 Transferring Funds Electronically  
Apparatuses and methods to transfer funds electronically via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server...
US20080046362 Method of making secure on-line financial transactions  
A method of providing secure financial transactions using the internet creates virtual currency that is used to settle monetary obligations amongst authorized purchasers, merchants, and other...