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8214289 Short codes for bill pay  
A system and method for secure transfer of a debt payment, according to one or more embodiments, provides for: receiving a request for a billing service from a biller; providing a reference code to...
8214288 System and method of a passphrase account identifier for use in a network environment  
A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a...
8209379 Redirecting to a book website  
Systems and methods of the present invention provide for redirecting a user to a book's website after submitting a request for information about the book. The book's website or a link to the...
8209194 Method and system for providing a healthcare expense donation network  
A method and system for providing a healthcare expense donation network whereby a third party provided healthcare management system, such as a computing system or on-line implemented healthcare...
8204824 System and method of account reconciliation for electronic transactions  
A transaction process system (10) provides for data transactions between parties. In a credit card transaction, the parties are the merchant (20), acquiring bank (24), card association (34),...
8204825 System, method and computer program product for processing payments  
A payment processor for providing a payment service includes a transaction processor to process a transaction request. An application programming interface links a merchant to the transaction...
8204044 Method and network element for voice-over-IP (VoIP) communications in a mobile IP network  
A method is performed by one or more network elements for voice-over-IP (VoIP) communications. The method includes receiving a request from a first mobile device to invite a second mobile device to...
8204827 System and method for personalized commands  
Various embodiments of a system and method for personalized commands are described. The system and method for personalized commands may include a payment service including a command management...
8204826 Method and apparatus for integrated payments processing and decisioning for internet transactions  
A method and apparatus provides a decisioning solution for merchants accepting Internet transactions, integrated with means for processing payments electronically. The invention claimed herein...
8204676 Navigation apparatus  
A navigation apparatus in a vehicle acquires use history information relative to electronic money payment from an electronic money payment apparatus such as an IC card or a cellular phone. The use...
8200578 Methods and systems for account management and virtual agent design and implementation  
Aspects of the present invention comprise systems and methods for design and use of web-based applications for account management. Some embodiments may comprise a virtual agent or avatar as part of...
8200575 Secure electronic payment system and methods  
The invention provides a system and method for ensuring secure payment transactions. The invention provides for a chargeable and dischargeable security (CDS) system that allows users/account...
8200573 Multi-variable transaction system and method  
A system for optimization of variables is provided. The system includes a buyer finance system for receiving asset data and buyer finance data. A seller variable system receives the asset data and...
8200513 System and method for processing work products for vehicles via the world wide web  
A method and system for receiving data relating to an insurance claim for a damaged vehicle and transmitting a valuation report for the damaged vehicle over the world wide web. The system includes...
8200577 Systems and methods for retrieving and modifying data records for rating and billing purposes  
An operational support system includes a data collection unit and a number of network devices that are associated with various telecommunications services. The data collection unit retrieves raw...
8200574 Financing information processing system and method  
A method and system which uses a communication network to facilitate financing-related activities is provided. A list of financing functions is provided to a user terminal across the communication...
8195566 Web service interfaces used in providing a billing service  
A web service interface defined for a billing service, comprising a plurality of application programming interfaces, where each application programming interface is associated with a billing...
8195815 Efficient network monitoring and control  
In one embodiment, a method for monitoring traffic associated with users in a network includes assigning a trust level to each of the users, monitoring traffic associated with each of the users,...
8195517 System and method for facilitating a financial transaction with a dynamically generated identifier  
Instead of a PIN which is associated with an account and provides access to an account, a dynamically generated card identifier (dynamic CID) is used to verify that the consumer currently possesses...
8191769 Method and system for pre-filling account information  
Method and system are disclosed for automatically filling in external account information on a new account application. The method and system capture account-identifying information for an external...
8195567 Methods and systems for providing scanned mail delivery channel and automatic payment of reply mail  
Exemplary systems and methods eliminate a check or a remittance stub from a bill payment process, which may simplify the bill payment process for consumers, providers, and check processing systems....
8190524 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...
8190525 System and method for payment for business reply mail  
A business reply mail payment system and method is provided. A business reply mail payment system establishes a master account with the postal system for the payment of business reply mail. A...
8190518 Method and system for performing monetary transactions from multiple source accounts  
A method and system for performing monetary transactions across multiple source accounts. The method includes the steps of: determining whether a multi-source transaction is desired or required to...
8189752 Per-session dynamic charging caps in communication networks  
Communication networks and associated methods and systems are disclosed that provide per-session dynamic charging caps. For a session, the communication network includes a network element adapted...
8190480 System, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards  
A lending institution computer establishes a line of credit coupled to a prepaid card account and makes available draws to the line of credit line in an authorization stream for a proposed purchase...
8190522 System and method for providing borrowing schemes  
A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic...
8190523 Account permanence  
A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated...
8185453 Contextual access to workflow functionality  
Systems and methods provide access to features of a business management application at a contextually relevant locations within a global workflow. The system gathers data from various application...
8185471 Integrated payment receiving and processing system  
Systems, methods, and computer program products are provided for integrating a mail receiving process with a payment processing system. Embodiments of the invention include a capture device...
8185414 System and method of processing a health insurance claim  
A system and method of processing a health insurance claim are provided. According to the method, transaction data is received that has been transmitted from a third party computer via an open...
8180655 Systems and methods for processing vehicle or driver performance data  
Apparatus and methods to process vehicle or driver behavior data are described herein. In some examples, the behavior data is used by a premium calculating engine to derive a premium for a vehicle...
8180707 Construction payment management system and method with actionable notification features  
A system and method for managing a construction payment process. One method embodying the invention can include automatically generating an electronic notification in response to an event, the...
8180705 Method and apparatus for initiating a funds transfer using a mobile device  
The invention is directed to a method and apparatus for initiating an electronic funds transfer. The system includes a first mobile device, a payment engine, and a payment repository. The first...
8175970 Cash to card recycling  
An end-to-end currency handling and management system and method include a recycler system configured to receive currency, deposit the currency into a desired account and make the currency...
8175969 Architecture and method for bill presentment using a web-based tool  
An architecture and method for bill presentment using a web-based tool is disclosed. A common architecture collects billing data from multiple business technology systems and present the billing...
8175923 Customer checkout accelerator  
A system and method for accelerating customer sales transactions in a retail store. A customer checkout accelerator provides a customer user interface initiate a request for a preapproval amount...
8175971 Lifetime guaranteed income rider  
Apparatus and methods for providing to a bank customer a guaranteed retirement distribution based on a retail bank product. An electronic processing module may be used to identify a value of an...
8170952 System and method for providing instant-decision, financial network-based payment cards  
A system and method for issuance of a financial network-based payment card (generally known as a “payment card” or a “credit card”) almost instantaneously after application, wherein an applica...
8170946 Cost management file translation methods, systems, and apparatuses for extended commerce  
A quantity of an item referenced within a multilevel bill of material (BOM) is determined. A price bid for the item is received into an application framework from a supplier. The price bid is...
8170527 Real-time balance on a mobile phone  
A system, method and prepaid payment mobile phone configured to display a current prepaid balance. The prepaid payment mobile phone receives a debit balance request from input on the mobile phone....
8167200 Authorization verification system  
A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer. The system...
8165944 Point of service third party financial management vehicle for the healthcare industry  
A method for point of service third party adjudicated payment, which includes providing payment system access information to a point of service provider, receiving from the point of service...
8164469 System and method for controlling battery cool-down  
A method for cooling a battery after a charging phase including the steps of providing a user display, identifying a starting point at which the charging phase of the battery transitions to a...
8165958 Electronic bill presentation and payment method and system  
A comprehensive electronic bill presentment and payment system and method is described. Bills can be received by the system, in any electronic format. Bills can also be received by the system...
8165960 System and method for automatically registering a product  
A database is provided for storing a plurality of sales transactions between buyers and sellers, where each sales transaction may involve, for example, the sale of a product. A signal is received...
8165809 System and method for optimized flight planning  
A computer-implemented system and method for the processing and optimization of flight plans is disclosed. Information regarding a plurality of previous flight plans is received over a digital...
8165959 Method and apparatus for pricing calculation  
A method and apparatus for providing a competitive bid from a provider comprising receiving billing data from a user, the billing data including provider information, location, and total bill...
8165948 System for selecting and purchasing assets and maintaining an investment portfolio  
The invention is in the field of computer implemented systems and methods for generating a profile of an investor's risk tolerance, providing automated investment allocation advice based on the...
8160989 Method and apparatus for efficient token matching using complex rules  
A method and apparatus for efficient token matching using complex rules. In one embodiment, the method and apparatus comprises searching a token stream to determine an earliest, narrowest token...