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US20110288967 Card-Based Banking  
A payment device may be issued that is user generic and allows for the payment of billing accounts by storing billing account information in association with the payment device and/or an underlying...
US20060265327 Sales completion system for mobile devices that supports invoice display and approval  
A sale completion network comprising a mobile device communicatively coupled to a carrier network to which a third remote sales management server 133 may also be communicatively coupled. The mobile...
US20080162340 Integrating enterprise information technology systems with a third-party on-line payment system  
Techniques for displaying a graphical user interface operable to receive user input specifying a payment to be made to a payee and a payment method to be used to make the payment are described. The...
US20140025569 PRODUCT LEASE WITH PAYMENT REDUCTION OR SUSPENSION PER MONTH BASED ON USE  
A method of providing an electromechanical device to a user includes leasing use of the device to the user for a lease term and in exchange for a dynamic fee. The method further includes...
US20140081855 Waterfall Prioritized Payment Processing  
The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sou...
US20060101323 Categorization of summarized information  
A system for categorizing transactions includes a collection function gathering information concerning transactions, including at least date, description and amount of the transactions, for a...
US20120030100 RECURRING MONEY TRANSFER  
A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a...
US20110258082 Application Store for Shared Resource Computing  
A server in a Shared Resource Computing (SRC) system runs applications and manages licenses for those applications across multiple sessions and/or user terminals. Plug-ins created by an SRC App...
US20140089180 ELECTRONIC WALLET SERVICE SYSTEM BASED ON AN IDLE SCREEN APPLICATION  
An E-wallet service system based on an idle screen application comprising: a push system receiving a first payment request message including seller information, customer identification information,...
US20050240526 Automated financial service system  
An automated financial service system including a client device configured to obtain bill payment information for a bill payment, wherein bill payment information includes user identification,...
US20110191221 APPROVAL AND PAYMENT PORTAL  
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for web-based portal that facilitates payment approval by a payor and provides selectable payment...
US20050038738 System for a account authorisation  
To maintain the authorisation on a credit card payment in order to delay completion of the transaction until goods are delivered to a customer, the payment authorisation is periodically reversed...
US20090248575 AUTOMATIC SUBSCRIPTION TO PAY CONTENT  
A system to autonomously authorize billing for a subscription plan for a user using data including available subscription services, a user profile, and a user supplied criteria for subscription...
US20120296816 MOBILE BILLING METHOD AND SYSTEM USING ARS  
Disclosed herein is a mobile billing method using an automatic response service (ARS) through call transfer including (a) setting a call between a franchisee server and a mobile terminal according...
US20080270293 Accounts payable automation system with automated discount and factoring management  
An accounts payable automation server system with integrated discount and factoring management, the system comprises an invoice loader receiving invoice data. The invoice data includes at least a...
US20060080242 Database device & methods for managing and manipulating electronic titles  
Presented is a distributed computer network system and method for generating electronic title for commodities during international transit. The system populates data fields of a database with...
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...
US20140201073 ENABLEMENT OF MANAGED PRINT "MICRO" SERVICE FOR RETAIL OFFICE CHANNEL  
Systems and methods are provided for managing a document processing device of a consumer. According to one embodiment, a registration request for a managed print service (MPS) plan is received from...
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...
US20140188714 MANAGEMENT OF EMAILS CONTAINING PAYMENTS  
An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that...
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...