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8352367 System and method for facilitating large scale payment transactions  
A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to...
8352362 Secure authentication and payment system  
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals,...
8352360 Method and system for secured transactions over a wireless network  
A method and system are disclosed for booking and paying a retailer having a POS, which can be a low cost thin client computer system, connected to a transaction server storing confidential user...
8352364 Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages  
A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one...
8352366 Method and system for flexible payment processing  
A computer-implemented method is provided for enhancing payment flexibility. The method includes receiving payment notification including a payment amount and a payment date for an identified...
8346657 Systems and methods for implementing a reverse mortgage  
A method, system and computer-readable medium for providing a reverse mortgage instrument for use in an existing mortgage are disclosed. In certain circumstances, a reverse mortgage is beneficial...
8346660 System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts  
A method and system for creating a pre-defined electronic transactions is disclosed. the system comprises a server in communication with a database and a computer network, and the server is...
8346643 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...
8346658 Line of credit with pre-agreed line increases  
A line of credit with pre-agreed line increases is described. In example embodiments, the line of credit is secured by a residence, and the borrower can agree at initial closing to periodic line...
8346678 Method and system for conducting commerce over a wireless communication network  
Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a...
8346662 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...
8346677 Method and system for conducting commerce over a wireless communication network  
Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a...
8345835 Systems and methods for visual presentation and selection of IVR menu  
Embodiments of the invention provide a system for generating an Interactive Voice Response (IVR) database, the system comprising a processor and a memory coupled to the processor. The memory...
RE43905 Flow designer for establishing and maintaining assignment and strategy process maps  
A system, method and carrier medium for modeling a Financial Service Organization (FSO) business in a computer software program and for storing the model of the FSO business in a database. An...
8341027 System and methods of conducting business-to-business operations by registered sellers and buyers using an internet accessible platform  
An internet accessible computer system to conduct business to business operations among a plurality of buyer companies and a plurality of seller companies. In one embodiment, the system includes at...
8341044 System, method, and computer program product for rating and re-rating events  
A system, method, and computer program product are provided for re-rating events, in use, a plurality of events associated with at least one customer is rated. Additionally, at least one of the...
8341082 Systems and methods for providing multiple entities with access to account information  
A user may log into a system containing data pertaining to a jointly owned funding account of which he is a co-owner. The user may view information directed to the jointly owned funding account,...
8340987 Program for alternative funding of employee and retiree benefits  
An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract obtained...
8341076 Automatic overdraft attached to prepaid debit card accounts  
A system for managing financial accounts includes one or more account holders. An account holder data structure is associated with one or more financial accounts. The financial accounts are defined...
8341081 Intelligent identification of on-line bank accounts utilized for business purposes  
Computer-implemented methods, articles of manufacture and systems for identifying an on-line bank account utilized for business purposes. A computer processor receives or determines a name of...
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...