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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...
8595040 Associate risk analysis  
Methods and apparatus according to the invention are directed towards providing means for identifying a selection of entity associates that may contain a perpetrator of claimed fraud against an...
8595132 System and methods for servicing electronic transactions  
A method for using an electronic transaction device with an electronic transaction service provider may include the steps of registering the electronic transaction device with the electronic...
8589568 Method and system for secure handling of electronic business transactions on the internet  
Disclosed is a computer-based technology for handling end-to-end business transactions in a TCP/IP-environment. A managing instance enables logon and provides a pool of IP addresses available for...
8589237 Online purchase from a mobile device using a default payment method  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...
8589300 Payment transaction using mobile phone as relay  
Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile...
8589220 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....
8589268 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...
8589288 System and method for electronic remittance of funds  
A system and method for enabling the remittance of funds is provided. More particularly, the fund remittance process of the present invention enables a sending entity having a source account at a...
8589262 Technique for computing relevancy between tax information  
The disclosed embodiments relate to a computer system that facilitates identifying additional tax information. During operation, the computer system receives tax information. Next, the computer...
8589216 Intelligent charging system and method for use in a parking lot  
The present invention provides an intelligent charging system and method for use in a parking lot. The system comprises a detecting unit, an on-board unit and a corresponding means of payment. The...
8589295 Transfer account systems, computer program products, and associated computer-implemented methods  
A financial institution computer maintains a list of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select...
8589296 Pre-paid payment instrument processing  
Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with...
8584937 Method and system for assessing merchant risk during payment transaction  
Systems and methods for assessing transaction risk. A consumer tenders a transaction card to a merchant to purchase a good or service. A payment device of the merchant, such as a merchant's payment...
8583495 Method and system for crediting multiple merchant accounts on a single bill  
A system includes a device and software with a touchscreen, cash drawer, bar code scanner, and other point-of-sale peripherals. The device processes payments according to a method and can process a...
8583515 Transfer account systems, computer program products, and associated computer-implemented methods  
Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of...
8583550 Financial account related trigger feature for detecting changes in financial ratios  
Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial...
8583528 Point of service third party financial management vehicle for the healthcare industry  
A method for adjudicating health care expenses, which includes receiving from the point of service provider purchase transaction data, adjudicating the transaction substantially in real-time to...
8583494 Processing payments at a management server with user selected payment method  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...
8583499 System for secured transactions over a wireless network  
A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user...
8583525 Business method for creating collaterized debt instruments with two negotiable payment plans  
A business method for creating, from a mortgage note, two negotiable collaterized debt instruments, each having a separate payment plan. The original mortgagee, or its assigns, use the method to...
8583522 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...
8583551 Systems and methods for prepaid electric metering for vehicles  
A method for delivering energy to an electric vehicle is provided, wherein the electric vehicle is associated with a customer account. The method includes identifying the electric vehicle at an...
8583552 Processing payment transactions between enterprise resource planning systems  
In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee....
8583519 Message broadcasting network usage billing system and method  
A system and method for determining billable transmission network usage for transmitting a broadcast message to a plurality of broadcast message receiving devices located within a broadcast target...