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8620776 Self healing andon system and method  
Disclosed are various embodiments of a self healing andon system. One embodiment of the present disclosure includes a system comprising at least one server. The system further includes logic...
8620260 Payment application download to mobile phone and phone personalization  
A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host...
8615438 Time-dependent response to user-determined unauthorized transaction  
A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a...
8615457 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...
8615466 Method and system for downloading information into a secure element of an electronic device  
A method for downloading information from a remote server. The method includes receiving, at a portable device, banking card information for an account and storing the banking card information into...
8615467 Electronic system for selecting the best card from a collection of consumer credit, debit, and discount cards  
A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the...
8612347 Late fee avoidance system  
A method and apparatus are disclosed (a) which maintain credit card account and billing data including (i) data correlating credit card numbers, cardholders, and payment information such as mailing...
8612343 Network based payment service capable of generating coding for adding payment objects to pages of external sites  
A network-based payment service and site provides various features for facilitating payments. One such feature enables users of the payment service to create pay boxes, or other types of payment...
8612319 System and method for real-time pricing with volume discounting  
A system and method are provided for facilitating real-time pricing with volume discounting. The method includes receiving a request for a real-time price quote for a transaction from a first...
8612327 System, method and computer program product for a product catalog/pricing engine framework  
A system, method and computer program product are provided including a catalog database with a plurality of product definitions. The product definitions includes a plurality of rules and attributes...
8612346 Method and system for closed loop collect on delivery (C.O.D.) payments  
A trusted closed loop payment system and method that reduces the liability imposed upon carriers for delivery of C.O.D. shipments is provided. A third party payment system is authorized by the...
8612325 Automatic authentication and funding method  
Embodiments of an automatic authentication and funding method include a location-based transaction method according to which an overseer partners with multiple providers of at least one of goods...
8612582 Managed services portals and method of operation of same  
A managed services platform and method of operation of same are described herein. The platform can include a device management service (DMS) server in which the DMS server can act as a gateway for...
8612342 Notification of the availability of electronic bills  
To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify...
8612348 Systems and methods for interfacing merchants with third-party service providers  
In an implementation, a transaction request message is received at a computing device, wherein the transaction request message is associated with a merchant. Profile information associated with the...
8606707 Integrated wireless and wireline billing and services management  
Methods and systems are provided for integrating billing and services management systems across disparate telecommunications systems including wireless systems and local and long distance wireline...
8606632 System, method, and computer program product for selecting and presenting financial products and services  
An apparatus and method are provided that receive client data for a plurality of clients and financial product data at a processor. The processor prepares a client communication for some of the...
8606686 System and method for gathering and performing complex analyses on power data from multiple remote sources  
The invention encompasses data analytics, and more specifically, encompasses the efficient gathering and management of data, and the execution of data analysis solutions on complex power and pricing.
8606708 Methods and systems for integrated and automated financial services  
Systems, methods and articles of manufacture for a computerize method of providing financial management to a user by integrating financial data from a plurality of sources such as online financial...
8606714 Flexible account management for customer transactions and overdrafts  
Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed toward a system that is configured to receive transaction data...
8606697 Method and system for providing buyer bank payable discounting services  
A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers...
8606719 System for management of alternatively priced transactions on network  
A system and method thereof, comprising means for: communicating through at least one computer network interface with each of (i) a plurality of providers of accountable resources, and (ii) a...
8606706 Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing  
Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are...
8606709 Systems, methods, and devices for combined credit card and stored value transaction accounts  
The present invention generally relates to a single transaction account identifier that can be used for in transactions with one of multiple transaction accounts. The method includes one or more of...
8606704 Customer billing in a communications network  
In a packet communications network, e.g. a third generation wireless network, combined billing of a user is provided for the delivery of communications services to that user and for the on-line...
8606705 Systems, methods and computer program products for managing payment processes in a comprehensive payment hub system  
Systems, methods, and computer program products are provided for managing the processing of a financial payment and, more specifically managing the processing of a financial payment in a...
8606703 Method for transferring money using email  
Method, systems, and apparatus for receiving the email message from a sender device; identifying, using data processing apparatus of a payment service system, a sender email address, a service...
8606698 Electronic transaction receipt system and method  
In connection with a sales transaction, an electronic receipt is issued to the buyer that includes hyperlinks. A hyperlink can be associated with post-sale interaction with the product seller, the...
8606710 Method and system for paying public transportation fare via mobile device  
A method and a system of paying a public transportation fare via a mobile device are provided. The method includes connecting the mobile device to an Access Point (AP) installed to a Transportation...
8600888 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8600885 Account contribution management  
An ability to expose and display a current billing amount associated with a billing account in a billing system to one or more third parties, and to link one or more payments from the one or more...
8600890 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8596529 Interactive interface effectuated vending  
The present invention relates to a system and method which effectuates an interactive interface and protocol for interfacing a payment module (system 500) to and data communicating with a computing...
8600857 System and method for providing a savings opportunity in association with a financial account  
The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services,...
8600878 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...
8600881 System and method for uniquely identifying point of sale devices in an open payment network  
A system, apparatus, and method for using a point of sale (POS) terminal as part of an electronic payment transaction. A unique number, code, alphanumeric character string, or other form of...
8600887 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8600889 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8600869 System and method for assigning a line of credit to a credit card account  
A system assigns a credit limit to an account for a credit card of a card holder based on whether the card holder poses an acceptable risk. The system activates an account for the credit card,...
8600886 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....
8600884 System and method for payment receipt using 2D code  
A payment receipt system is provided. The payment receipt system comprises: a receipt management database for managing at least information on the payers who have to pay and the payment amount that...
8600845 System and method for reconciling one or more financial transactions  
A system, method and computer program product for reconciling one or more financial transactions of one or more business units. The method includes capturing transaction data from the financial...
8595203 Digital content hub  
There are provided methods and systems to retrieve search result information and digital content. The system receives input information identifying a plurality of data sources from which to...
8595135 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...
8595136 Coordinating license activation of licensable audio video (AV) device components between contract manufacturer and brand manufacturer  
A server for reducing license fee payments to account for non-use of a licensed component includes a processor and a computer readable storage medium. The computer readable storage medium is...
8595060 Billing statement customer acquisition system  
Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder....
8595108 Contingent payment system  
A method for providing contingent payments includes receiving, from a first user through a user device over a network, a contingent payment request. The contingent payment request is stored in a...
8595134 Apparatus and method for bill presentment and payment  
A bill presentment service, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities via a plurality of consuming entity service...
8595099 Financial institution-based transaction processing system and approach  
Transaction processing for financial institution-based transactions is facilitated. According to an example embodiment of the present invention, a transaction processing approach involves the...
8595097 Automatic ad group creation in a networked advertising environment  
A method for organizing an advertising campaign in an Internet environment is provided. The method may include displaying, on a display device, a list of web sites that have attributes that match...