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7206768 |
Electronic multiparty accounts receivable and accounts payable system
The invention concerns a multiparty accounts receivable and accounts payable system that allows business trading partners to use a single, shared system for both accounts receivable and accounts...
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7206767 |
Content distribution system and a reference server
A content distribution system includes a reference server 112 , and a plurality of distribution servers 101 to 108 . The reference server 112 holds URLs showing network locations of the...
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7206759 |
Cash transaction verification and crediting apparatus
To enable the payment of charges, for example those for mobile telephones, with cash there is provided an automated terminal for receiving payments including an input for currency notes, an...
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7203664 |
System and method for annuity valuation
A system and method for annuity valuation. The system of the present invention comprises a processor for execution of the method of the present invention and a data storage device for storage of...
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7200571 |
Computerized auction system for use with multiple purchasing media
Systems and methods create and maintain an auction server operative to receive requests for displaying auction items. The bid values are displayed and received in units that are specific to a...
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7200551 |
Automated bill payment system
The present invention provides a fully automated and secure bill payment system which is extremely simple for clients to operate. A processing web site is established which interconnects via the...
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7194437 |
Computer-based funds transfer system
A service configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) provides functionality for sending a payment...
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7194432 |
Billing process and system in a telecommunication network
A billing method and billing system to determine usage fees which are charged to the user of a digital telecommunications network, whereby a usage fee charged for a connection is determined prior...
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7191152 |
Automated financial transaction system
In an automated financial transaction system, a plurality of automated tellers machines (ATMs) have each a message input section and are each communicatably connected with a message depository via...
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7184989 |
Staged transactions systems and methods
Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a...
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7184747 |
System and method for implementing financial transactions using cellular telephone data
A system and method provide access to a consumer's financial account without requiring a payment service token. The system supports transactions billed to an account associated with a cellular...
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7181420 |
Methods and systems for online self-service receivables management and automated online receivables dispute resolution
A computer-implemented and Internet-based method of managing Accounts Receivable (AR) information includes steps of receiving a customer request for remote Internet access to AR information (such...
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7177837 |
Computer-implemented method and system for managing accounting and billing of transactions over public media such as the internet
A system and method for managing accounting and billing e-commerce (including m-commerce) transactions. The user may connect to the e-commerce network by placing a call from a land line or sending...
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7177836 |
Method and system for facilitating financial transactions between consumers over the internet
A method for enabling two individual consumers to complete a transaction that includes payment from one consumer (the payor, or buyer) to another consumer (the payee, or seller). An intermediary...
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7177828 |
Method and apparatus for managing account receivables
An Accounts Receivable System (ARS) provides an option to a client to outsource the client's accounts receivable function. The ARS is divided into five separate modules, which includes a Credit...
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7177830 |
On-line payment system
An on-line payment system comprises a computer system which can maintain accounts in a database for a plurality of users. The system is enrolled as a payee in a bill payment system so that users...
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7167839 |
Collection agency data access method
An account data access method allowing access to an agency account database, such as that of a collection or other debt recovery agency, from public sites over a network by agency affiliates and...
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7165049 |
Sponsor funded stored value card
A method and system for issuing a sponsor funded stored value card. A sponsor company funds an account associated with the stored value card. The stored value card is issued to a cardholder, who...
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7165047 |
Web-based account management for hold and release of funds
A system and method for qualifying a bidder over a global network for an auction helps to significantly reduce or eliminate commerce fraud. An auction site, for example, enlists the system to...
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7165052 |
Payment service method and system
A payment service method and system involve a payment service provider, a customer/payor and a client/payee. The customer/payor enrolls in the service and is provided the unique identifier which...
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7162436 |
System and method for pairing providers with consumers of online goods and services
A method and system is provided that operates as an intelligent intermediary between online consumers and providers of goods and services. The system operates to receive a request initiated by a...
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7162437 |
Method and apparatus for improving on-line purchasing
On-line purchasing of products from an electronic commerce (e.g., a Web page) seller is improved by providing samples to users at little or no cost in exchange for feedback that is provided to...
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7155205 |
System and method for verifying subscriber data records in a telephone system
A consistency verification tool performs a consistency check on subscriber data records stored in the cellular telephone system. One such consistency check analyzes subscriber data records in a...
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7155412 |
Billing for use of a telephony device
A method, system, and program for billing a caller for use of an origin device are provided. Usage, of at least one measurable element of a telephony device by an identified individual, is tracked,...
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7155411 |
Integrating payment accounts and an electronic wallet
An electronic wallet including is made available to a user and is capable of storing a wide variety of different types of accounts (including both payment accounts and traditional credit card...
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7146338 |
Inter-network financial service
The present invention provides a method and system for making inter-network payments. A payment request to make a payment on behalf of a payer to a payee is received. A first payment service...
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7146342 |
Payment system and method for use in an electronic commerce system
A method and system of payment of goods and services in an electronic commerce system reduces the transfer and processing costs for each purchase made by a customer from a merchant. A customer...
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7143936 |
System and method for calculating expected approval rates
The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The...
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7140538 |
Methods and apparatus for facilitating a currency exchange transaction
Methods and apparatus for prompting a user to enter currency of a first country including at least one of notes and coins into a foreign exchange kiosk; applying one or more currency exchange rates...
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7139734 |
Preferred credit information data collection method
A creditor creates a lock box at a financial institution. The lock box includes an escrow provision. A consumer makes regularly scheduled payments to the financial institution and designates the...
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7139725 |
Method of offering free products or services over the internet
A system and method for offering free goods or services over computer networks allows a merchant to choose a probability-based method of selecting how the free items are determined. The probability...
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7133935 |
System and method for real-time electronic inquiry, delivery, and reporting of credit information
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, via the Internet. In the preferred embodiment, the system...
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7133843 |
Easy check-out with enhanced security
This invention is a contactless label chipcard including payment and identification information and a check-out system including a contactless reader for reading and updating payment information...
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7130818 |
Method and system for providing order status information using a network address
A method and system for providing order status information using a network address, by receiving a network address from a customer when the customer places an order with the merchant. An...
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7127232 |
Multiple access internet portal revenue sharing
Multiple access internet portal billing systems are provided. A representative system, among others, includes a communication facility, a wireless internet server, and a transaction billing system....
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7124113 |
System and method for verifying, setting, printing and guaranteeing checks at a remote location
The present invention relates generally to a system and method for verifying, settling, guaranteeing and printing checks at a remote location, preferably an electronic retailer's facilities, via a...
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7120602 |
Bill availability notification and billing information request
A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for...
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7119659 |
Systems and methods for providing a RF transaction device for use in a private label transaction
A RF transaction device is provided, which is operable to store a private label transaction account identifier associated with a private label transaction account. The invention further includes a...
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7117183 |
Airline ticket payment and reservation system and methods
A method for accepting payments from a consumer for a travel ticket from a travel company comprises receiving at a point of sale device a transaction request that includes a transaction identifier...
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7117165 |
Operating resource management system
A software system efficiently procures operating resources within an enterprise. A requisition record generating module generates a requisition record for a requisition. The requisition record...
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7117178 |
Systems and methods to facilitate payment for shipped goods
Systems and methods are provided for managing a transaction for a sale of goods between a customer and a merchant. A communication relating to the transaction is received by a provider that is...
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7117171 |
System and method for making a payment from a financial account
A system and method of collecting payments facilitates authorized generation of a payment order. In a preferred embodiment the automated system has a simple input screen which receives the...
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7110980 |
System and method for facilitating electronic transfer of funds
A system for facilitating electronic transfer of funds includes a transfer administrator in communication with a transferor institution, one or more intermediary institution, and a transferee...
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7110959 |
Processing and management of transaction timing characteristics
A transaction management and processing approach involves using timing-related aspects of transaction events to manage and process transaction-type information. According to an example embodiment...
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7107244 |
Bill payment system and method with merchant information
A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications methods to pay various bills without the consumer...
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7107249 |
Electronic identifier payment systems and methods
Systems and methods for accepting payments for goods and services provided by a consumer provider. The methods can include associating consumers and consumer providers with a payment provider. The...
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7107243 |
System and method for automated bill payment service
A method and system for automated bill payment service makes use of one or more application programs, such as a bank's retail system application and a bill payment application, running on one or...
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7107250 |
Apparatus for credential authorisation
A mobile communication device, such as a mobile phone, which comprises a processor which is configured to process requests for authorisation of use of a credential, such as a credit card, and the...
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7107078 |
Method and system for the effecting payments by means of a mobile station
A method and system for effecting payments made by means of a mobile station in a telecommunication system that includes a telephone network, a network application connected to the telephone...
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7103351 |
Policy service system and methodology
The present invention provides for creation, relevance based discovery and delivery of services to mobile users over telecommunications networks. The services are provided on a Mobile Service...
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