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8380591 System and method for providing warning and protection for bill payments  
Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and...
8380590 Method and system for detecting recurring income from financial transaction data  
A method and system for detecting and categorizing recurring income whereby financial transaction data associated with a given user is obtained from one or more sources. One or more income...
8374929 System and method for billing for hosted services  
Some embodiments provide a system and method for projecting billing of a specified server configuration. In some embodiments, the projected billing is determined by identifying a set of allocated...
8374932 Payment entity device transaction processing using multiple payment methods  
A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method...
8374928 Data center power cost accounting system  
A data center power cost accounting system uses server and storage and cooling power consumption models and device maps, together with runtime application maps, to estimate the equipment power...
8374960 Prepaid transaction tracking  
The prepaid transaction tracking system allows, for example, entities, such as businesses, individuals, or the like, to have the ability to identify, track and maintain information about prepaid...
8373869 Charging system, charging method, recording medium, and image forming apparatus for performing charging process with improved user convenience  
A charging management server is informed of an ID number stored in an IC card, and a user charging table of the charging management server is read. A new user charging list is transmitted to an...
8365997 System and method for managing and monitoring the dispensing of fuels  
A fuel management system for use by operators of temporary and/or permanent inventories of vehicles such as vehicle dealerships. Fuel vouchers are issued by authorized issuing personnel to...
8370221 Survey lifecycle tracking  
Tracking and management data for a survey distribution and response lifecycle is disclosed. The system generates and links tracking data for both the distribution and the response, generates...
8370226 Technique for correcting round-off errors  
A technique for performing a financial calculation is described. In this calculation technique, initial financial values are rounded based on a rounding criterion, and a total financial value is...
8370233 Managing consistent interfaces for business objects across heterogeneous systems  
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by...
8368913 Image processing system, image forming apparatus, control method of the same, program, and storage medium  
In an image processing system, a charging process for an executed print process is executed using one of a first charging method and a second charging method. Especially, when executing a print...
8370227 Method for maintaining continuity of ‘diameter’ protocol-based online charging  
The present invention relates to a method for maintaining continuity of Diameter online charging. The method comprises the following steps: a) initializing, when a user is moving, the relocation of...
8364562 System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house  
A system, computer program and method for adjusting debits and credits received from participating institutions are provided. The system includes a plurality of remote computers of participating...
8364594 System and method including security parameters used for generation of verification value  
Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. The dynamic verification value is generated via a function-based algorithm that...
8364563 System and method for standardizing accounting of consumables  
According to one aspect, the system for standardizing accounting of consumables provides material lists of consumables used in particular repairs. The development of the material lists takes place...
8359250 Method and apparatus for payment retrieval and review collection  
A method for conducting a review including the step of detecting a payment request from a vendor; generating a review based on the payment request; and, transmitting a reference to the review to a...
8359251 Distributed commerce system  
A networked system for managing commercial interactions is providing. In some embodiments, the system includes: a bundle-passing interface between a plurality of networked users including...
8359215 System and method for managing utility resources based on normalized utility usage  
A system comprises a memory that stores weather data associated with a site. The system further comprises a processor that determines a balance point of the site based at least in part on the...
8355966 Payroll e-file and e-pay assistant  
A method for using a website, including detecting, using an agent executing on a central processing unit (CPU) and operatively coupled to a financial management application (FMA), a user accessing...
8355964 Auditor's toolbox  
A system and method for managing and providing selective access to automated data regarding daily valued defined contribution plans. More particularly, the present invention relates to systems and...
8355967 Personal finance integration system and method  
An integration device retrieves credit reports, and/or other financial data that is available from one or more credit sources, for consumers and extracts financial account information from the...
8355971 System and method for processing payroll related insurance premiums  
A computer process for determining an insurance premium comprises: validating username/passwords; receiving payroll data asynchronously or scheduled in real time; extracting payroll data required...
8355965 Battery exchange service system and charging method therefor, and portable device  
There is provided a service system that allows a user to charge and repeatedly use a secondary battery and exchanges a battery pack for a charged battery pack. There is provided a battery exchange...
8352350 Method and system for predictive event budgeting based on financial data from similarly situated consumers  
Financial data associated with one or more “contributing consumers” is obtained. The financial data is then aggregated, analyzed, and/or categorized, according to one or more events and one or mor...
8352295 Insurance premium gap analysis  
A method and apparatus for determining the amount of premium, policies, or quotations needed to improve market share in various geographic locations based on user selected criteria. The method...
8352338 Architectural design for time recording application software  
Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing time recording. The application is...
8347362 Usage control services performed in an end user device  
Systems and methods are disclosed for providing usage control of communication services within an end user device. A system in the network receives input from a controlling party defining usage...
8346666 Token based transaction authentication  
A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to...
8346946 System and method for registration of network-capable consumer electronic devices  
Manufacturer registration of consumer electronic devices includes a registration server receiving purchaser-specific information from a user computer over a network, such as the Internet. This...
8346635 Methods systems and computer program products for identifying suspect data of an electronic tax return  
Identifying suspect electronic tax data of an electronic tax return prepared using a tax preparation program. A first field of the tax return is populated with first tax data. The program selects...
8346661 Aggregation of customer transaction data  
Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction...
8346616 System and method for fuel price-protection  
A fuel-price protection mechanism whereby customers may pre-purchase quantity-based amounts of fuel and retrieve said fuel at any participating fuel retailer. The quantity-based amounts of fuel are...
8346645 Integrated investment management system with network datafeed and incremental database refresh  
An investment management computer system is configured to communicate with data vendors or electronic accounting systems. The system may include an electronic application server having logic for...
8341073 Customized consumer loan product search system and method  
A method and system for searching from a plurality of available, relevant loan products with associated pricing, wherein the searching is based on input consumer criteria, includes creating and...
8341074 Method and system for reducing the total interest paid on a debt  
A loan repayment system and method comprises a loan account for a purchased item, and a personal fund account used to manage discretionary money. A user deposits discretionary money periodically...
8341043 Dynamic prepayment risk management  
A system and method are disclosed for monitoring, managing and reporting credit card prepayment risk for an issuing bank. Sales data, corresponding payment data and data indicating the fulfillment...
8341046 Payment entity device reconciliation for multiple payment methods  
A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information...
8341042 On-demand and configurable earned value measurements reporting  
A method and system for uniformly displaying and reporting uniform project completion information, such as uniform earned value measurements (EV), of a large-scale project having a number of...
8332305 Automatic strategy grouping for a trading system  
A system for trading comprises a processor and a memory. The processor is configured to: receive an indication to automatically group a set of investment instruments; determine a set of possible...
8332277 Method, system and computer readable medium for facilitating a transaction between a customer, a merchant and an associate  
A method and system for facilitating a transaction between at least one user, at least one merchant, at least one associate is provided. The method includes the steps of the associate processing...
8332288 Interactive online spending analysis tool  
Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending...
8332286 Accounting accuracy methodology  
The present invention relates to a system and method for a comprehensive account reconciliation process, which ensures a predictable level for the accuracy of the ledger account balance. The...
8332324 Product exchange system  
An exchange system for facilitating the purchase of products is described. The system is coupled, in one embodiment, to a communications link. Potential product purchasers and sellers may access...
8332297 Systems and methods for projecting future values when performing retirement planning  
Retirement planning for a person is performed. For each of each class of assets, the income, and the expenses of the person, an analysis is employed that produces a probabilistic distribution of...
8332287 Methods and apparatus for automated deposit reconciliation  
Methods and apparatus for reconciling bank transactions with stored deposit entries in a practice management system. A plurality of bank transactions received from a bank are processed to select...
8332322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts  
A system and methods that enables and utilizes the conversion of an individual's ability to access multiple secure accounts to establish and validate the individual's digital primary identity. The...
8326958 Service activation tracking system  
Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a communications device implements a service policy for assisting control of the...
8326708 Techniques for processing customer service transactions at customer site using mobile computing device  
Techniques are described for facilitating delivery and adjustments of customer orders at a customer delivery site. A delivery courier is assigned a mobile field computing device for facilitating...
8326711 Spending vehicles for payments  
A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of...