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8335741 System and method for interactively simulating a credit-worthiness score  
A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real...
8332272 Single tap transactions using an NFC enabled mobile device  
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons...
8332320 Techniques for remote controlled physical transactions with dynamic key generation and authentication  
Techniques for remote controlled physical transactions with dynamic key generation and authentication are provided. A portable device is accessed remotely and separately from an Automated Teller...
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...
8332317 Verification of a financial instrument allowing rules-based pre-acceptance use of the financial instrument  
A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more...
8332318 Method and system for the anonymous exchange and verification of electronic files in escrow over a computer network  
A method and system for exchanging electronic files, such as digital images, digital documents, and/or digital audio files, via an escrow transaction. The method allows two transaction partners to...
8332314 Text authorization for mobile payments  
A system and method enables trusted sources to easily approve requests for money transfers by simply typing in a yes or equivalent.
8332323 Server device for controlling a transaction, first entity and second entity  
Server device for performing a transaction in a system having a first entity, such as a POS, a second entity, such as a user having a mobile phone with a digital camera, and a remote server. The...
8326766 System and method for linked account having sweep feature  
A computer-implemented method for facilitating electronic funds transactions is disclosed. According to one embodiment, the method may comprise the steps of: issuing a transaction card to a...
8326713 Method and system for technology consumption management including allocation of fees  
The invention facilitates monitoring, identifying, allocating and distributing the costs related to the consumption of raw technology resources by an organization. The invention provides a...
8322602 Secure and portable payment system  
Payment systems are provided that utilize a portable device, and in particular, payment systems that utilize a first portable device that belongs to a seller and a second portable device that...
8326772 Method and apparatus for capacity- and value-based pricing model for professional services  
A method and structure for pricing a good or service to a customer includes a calculator that executes a pricing model that includes a dimension of a utility of the good or service to the customer.
8326765 Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce  
The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert...
RE43845 Lock-and-key consumer billing data protection system having data encryption capability  
A “lock-and-key” consumer billing data protection capability is provided to telemarketing and electronic marketing systems which are based upon previously-acquired consumer lists. The lists con...
8326752 Community gift system, information processing method, and information processing program  
An organizer freely designates a purpose, forms a community, very easily and efficiently collects money from participants, and gives a gift. To accomplish this, a community gift system that, when...
8326756 Internet billing method  
A system that incorporates teachings of the present disclosure may include, for example, identifying a consumer account managed by a service provider to which purchases are chargeable, the...
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...