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8326712 Method and system for technology consumption management  
A method and system for tracking expenditures incurred by an entity involves determining the costs incurred, reading a file containing business model information, and allocating the costs according...
8326754 Method and system for processing transactions  
A system and method are provided for processing transactions between at least one buying company and at least one selling company using a central datastore accessible to users from the buying...
8326654 Providing a service to a service requester  
A data processing system for providing a service to a service requester is provided. The data processing system includes a filtering module to receive a request for a service from the service...
8326755 Administering contracts over data network  
A method for administering performance of a contract over a data network includes storing a lien waiver and receiving an application for payment over the data network from a contract participant...
8326709 Automated audit process  
A process for increasing profits of a business engaged in the purchase of large numbers of products and/or products of volatile pricing from numerous vendors that operates to identify pricing...
8321342 Method and system to accept and settle transaction payments for an unbanked consumer  
A system and method is provided to accept and settle transaction payments for an unbanked consumer. A consumer initiates a transaction with a merchant, and the merchant may transmit transaction...
8321346 Automated teller machine for use with computing devices  
Using a portable device, a method of conducting commerce can include executing within the portable device an application configured to communicate with an automated teller machine by displaying...
8321308 Architectural design for manual invoicing application software  
Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing manual invoicing. The application is...
8321337 Internet-connected devices  
There are disclosed methods and systems for identifying an embedded device to a server system so as to provide an improved permission and billing relationship. The invention enables transaction...
8321313 Method and process for providing relevant data, comparing proposal alternatives, and reconciling proposals, invoices, and purchase orders with actual costs in a workflow process  
The present invention provides a process and system for matching buyers and sellers of either goods or services, or goods and services for a project. The invention enables a buyer to specify a...
8320539 Advanced payment for telephone services  
A method of providing telephone services includes receiving an advanced payment. The advanced payment corresponds to a fixed time interval of telephone service spanning at least one day. The method...
8321343 Managing transaction accounts  
A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique....
8315937 Apparatus, article, and method for a hedged specified event bond  
A method, machine, article for a hedged specified event bond. The method can include: storing in memory terms of a bond indenture whereby proceeds from the bond are placed in a bankruptcy-remote...
8316101 Resource management system for hosting of user solutions  
Scalable hosting of user solutions is provided. A system for hosting application software includes a local server, one or more remote servers, a configuration database and a content database. The...
8315925 Shutting down primary charge collection function (CCF) without creating incomplete sets of charging data records (DR) in primary and secondary CCFs  
A shutdown notice may indicate that a primary CCF system is expected to shutdown soon. This notice may be received by a CTF system after the CTF system delivers an ACR Start message to the primary...
8315932 News induced automated electronic securities transactions  
News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the...
8311943 Recurring transaction processing  
Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card...
8311941 Purchasing alert methods and apparatus  
Systems and techniques for receiving transaction information at an authentication system. The transaction information may be processed using different rule sets, based on the financial instrument...
8311944 System and method of currency conversion in financial transaction process  
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),...
8311913 Payment entity account set up for multiple payment methods  
A method begins with a payment entity device receiving payables process data from a client device. The payables process data includes a list of a plurality of creditors and associated payment data,...
8311942 Method and system for payment of a bill  
A method for paying a bill includes receiving a bill notification email directed to a user, scanning the bill notification email to gather, from the bill notification email, bill information that...
8311909 Methods and systems for case budgeting and expense reduction  
A method and system for managing legal fees and minimizing costs of an organization involves periodically receiving case budget information consisting at least in part of identification, billing...
8306882 Method and system for differential billing based on access system  
A method and system for differential billing based on the access network through which data traffic flows between a subscriber and a service provider. The service provider may measure the amount of...
8306899 Managing a life insurance investment  
A method of managing an investment of a policyholder which corresponds to a sum assured is described. The invention has particular application to life insurance. The policyholder selects a basic...
8306913 Internet billing method  
The present disclosure may include, for example, a method for establishing a remitting arrangement between a provider and a vendor to create between the provider and the vendor an electronic...
8306912 Private label promotion card system, program product, and associated computer-implemented methods  
Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and...
8306687 Method of diagnosing a vehicle having diagnostic data  
Provided is a method of diagnosing a vehicle having diagnostic data. The method includes providing an automotive diagnostic tool sold to a user by a selling retailer. The automotive diagnostic tool...
8306916 Method and system for digital document management on a mobile device  
A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment...
8306510 Person to person virtual cash transfer transaction using mobile phones  
A person to person cash transfer transaction method using mobile phones comprising the steps of: —sender sends a transfer command to the recipient containing the transfer amount, sender's PIN and t...
8306911 Payment option analyzer based on measured utilization  
A computer-automated system analyzes payment options by acquiring usage information from a resource utilization measurement monitor executing in a system and accessing current financial information...
8301529 Method and system for implementing effective governance of transactions between trading partners  
An embodiment of the present invention is directed to receiving a first independent log from a first trading partner wherein the first independent log comprises at least one request log entry...
8301525 Method and system for managing communication of information  
A method and system of managing communication of information to a destination utilizes computer hardware and software and a client-server architecture. The system receives information in file form,...
8301533 Automated fulfilling of currency exchange requests over a computer network  
A computer program product is provided for automatically fulfilling currency exchange requests received at a processor for a plurality of different currencies that are received from a plurality of...
8301553 Electronic mortgage document certification  
Electronic documents corresponding to executed paper documents are certified. A certifying agent receives an electronic document and a corresponding paper document that had been executed pursuant...
8301556 Method for transmitting a code  
The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 3, the code...
8297501 Method and system for assessing merchant risk during payment transaction  
A consumer tenders a transaction card to a merchant to purchase a good or service. A merchant payment device, such as a payment terminal or mobile communication device, processes the payment...
8301561 Method and system for using reward points to liquidate products  
A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The...
8301559 Determination of interchange categories  
This document describes tools capable of auditing and/or determining reductions to card-issuer interchange fees charged for credit-card transactions. The tools may do so automatically and with user...
8301523 System, method and computer readable medium for providing notifications  
The invention provides a method, system and computer readable medium for providing a notification to a recipient. The method, system and computer readable medium relate to a notification sent via a...
8301557 System, program product, and method to authorized draw for retailer optimization  
A line of credit optimized for a retailer and attached to a customer account at a financial institution is established for a customer of the retailer. A financial institution computer determines...
8301521 Mechanism for tracking traffic statistics on a per packet basis to enable variable price billing  
A method, system and computer program product for generating variable price billing whereby a customer may balance its data traffic in response to such billing. A subsystem in an edge gateway may...
8296204 System and method for reducing RIKS associated with accepting a financial instrument  
A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument,...
8296230 System and method for remote deposit system  
Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the...
8296236 Centralized check image storage system  
Centralized check image storage system. The present invention provides for sharing check images stored in a substantially centralized storage system between and/or among banks in support of the...
8296203 System and method for legal billing in a networked environment  
A computer-implemented method and system is disclosed in which a network-based e-commerce environment includes billing a client at a periodic flat rate for a pre-defined scope of legal advice in...
8294934 Consumable serial number tracking in a managed services hosted environment  
A method stores serial numbers within memories of customer replaceable units that are used within printing devices. When one or more of the customer replaceable units are replaced, the method...
8290862 Method and system for expediting payment delivery  
A method and system of the present invention are directed to expediting payments for scheduled delivery (e.g., next day delivery) to various payees or recipients. A computer implemented method and...
8290864 Method and system for facilitating credit transactions  
Disclosed is a system and method for Facilitating Credit Transactions, which may allow for the division of a given purchase or cash-withdrawal transaction amount, into periodical installments by...
8290433 Method and system for securing transactions made through a mobile communication device  
A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is...
8290869 Automated teller machine system and method and relay center  
Automated teller machine systems and methods for reducing system development efforts by financial institutions and for providing a financial transaction system that is adapted for using one or more...