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RE44467 Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities  
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively...
8521634 System and method for reconciling financial records by matching outstanding trade orders to unmatched transactions  
A system and method for financial account reconciliation of a portfolio account system includes, for investments that are not reported as trades once an order to purchase has been placed, using a...
8521626 System and method for enhanced generation of invoice payment documents  
Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known...
8515871 Authorizing use of a financial instrument  
Computer-implemented method and system are provided for verifying a financial instrument. The method comprises receiving, via a user interface, the identification of one or more financial...
8515867 Invoiceless trading and settlement method and system  
Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to...
8515036 Automated creation of multiple provider services  
A method may include receiving, at a service server, a request for services from a requesting device. The service server may identify one or more service options responsive to the request and send...
8515866 System and method for automatically registering a product  
In connection with a sales transaction, product information is directly collected from the product provided with a label or tag that can be electronically scanned by, for example, optical scanning...
8515865 Methods, systems, and products for charging batteries  
Methods, systems, and products charge a battery in a vehicle. A charging station selects charging parameters based on a vehicle identification number associated with the vehicle.
8510193 Method for acquiring data from a user at the time of a card payment made using a payment terminal  
The invention relates to a method for acquiring data from a user at the time of a card payment made using a payment terminal, in which: a data acquisition request is displayed (26) on a screen of...
8510189 Method for future payment transactions  
A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which...
8510218 System and method for consumer control over card-based transactions  
A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the...
8510220 Methods and systems for viewing aggregated payment obligations in a mobile environment  
Methods and systems for viewing aggregated financial obligations utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile...
8510224 Database for check risk decisions populated with check activity data from banks of first deposit  
A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a...
8510188 Receiver driven money transfer alert system  
A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money...
8510184 System and method for resolving transactions using weighted scoring techniques  
A system and method for the online settling of a transaction is provided. The system includes a server having a rules configured to process available data regarding the debtor party using rules...
8510162 Loyalty host interface  
The present invention relates to translating loyalty requests between loyalty clients and loyalty hosts. For example, one embodiment of the present invention provides a method for translating...
8510219 Billing management package for internet access and web page utilization  
A billing management package which handles all web access as charged transactions (Pay-as-you-go) for browsing and purchasing product(s), service(s), and/or data on the Internet. The software is...
8510214 System and method for resolving transactions  
A method for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a server is presented. The method comprises receiving...
8503993 Method and system for payment through mobile devices  
Processing payment through a mobile device includes: receiving a command; using an upper layer application program on the mobile device to generate a payment request based on the command and send...
8504455 Acquisition wave management  
Enhanced systems, processes, tools, techniques and strategies are provided for executing corporate entity changes between or among institutions, particularly with respect to minimizing the negative...
8504469 Detecting credit misuse  
Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC ind...
8504471 Facilitating the ownership of solar-powered electricity-generating systems  
Methods of facilitating a party's purchase of an electricity-generating solar power system are disclosed. The methods may comprise entering into, by the lender, an agreement with the party whereby,...
8504472 Electronic payment method for making payments using a mobile identifier  
A method for providing electronic access to an electronic payment system includes receiving, in conjunction with a purchase by an accountholder at a merchant, information for identifying a payment...
8504432 Systems and methods for directing disposition of certificate of deposit  
The disposition of funds in a certificate of deposit (CD) may be specified at or near the time the CD is applied for. The depositor may specify disposition of funds such as transferring the funds...
8503977 Billing system, billing-information generation apparatus, billing-information generation method, computer readable recording medium recording billing information generation program  
An information distribution apparatus creates data to be simultaneously distributed, further adding to the data an identifier which indicates that the data is distributed by a broadcast service,...
8504448 Outgoing returns processing  
Methods, systems, apparatuses and/or computer program products are directed to outgoing returns processing. The outgoing returns processing includes receiving outgoing returns data files, where the...
8498935 System and method for automated payment and adjustment processing  
A system and method for automated adjustment processing using pre-configured sets of business rules is provided. The seller pre-configures a set of business rules for use in processing an...
8498914 Method and system for increasing client participation in a network-based bill pay service  
In a network-based bill pay service including a navigating software for emulating a client in network navigation, a software application for collecting and normalizing client data, and a network...
8498902 Process and system for the clearing and settling of transactions  
A method and system for the clearing and settlement of funds among a plurality of participants facilitates the integration of a “closed” special purpose industry sector, such as the transit ind...
8498939 Post-paid, single click payments  
A deferred payment authorization system that allows users to exercise an instant purchase, deferred payment option for online payment without providing payment information. multiple transaction...
8494930 Pay for use and anti counterfeit system and method for ink cartridges and other consumables  
Systems and methods of a pay-for-use pricing plan for consumables associated with a machine. The systems and methods include a machine that can detect a use of a consumable by a consumer. The use...
8493593 Image forming apparatus and image forming system  
It is an object of the present invention to provide an image forming apparatus that achieves reduction in power and resumption time by selectively resuming a function which a user desires when a...
8494956 Internet funds transfer system using ATM pickup  
One method for transferring funds includes receiving at a web server computer a request to transfer funds from a sender to a receiver. The request includes information identifying the sender and a...
8494958 Method and system to process payment using URL shortening and/or QR codes  
Provided is a method and system for payment processing, including emailing a billing statement to a payer by a biller, the billing statement including an online payment hyperlink having a shortened...
8494919 Distributed electronic commerce system with centralized point of purchase  
An electronic commerce system includes a broker that enables customers to purchase items from merchants. A customer interacts with the merchant to identify items to purchase, and the merchant...
8494957 Method and apparatus for restaurant payment system  
A payment system for restaurant industry that facilitates efficient payment using a bankcard for a meal in a restaurant and also without providing personal sensitive data from bankcards to...
8494961 Image authentication and security system and method  
Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving...
8489478 Virtual terminal for payment processing  
In some embodiments, a process for performing transaction tasks using a virtual terminal comprises: presenting functions to a user, receiving a selected function, and performing the selected...
8489505 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 a consumer. The consumer initiates a transaction with a merchant, and the merchant transmits transaction information to...
8489483 Transfer instrument  
A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an...
8489482 Using commercial share of wallet to rate investments  
Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spendin...
8489096 Inter-access handover with access specific policy control functions  
A system and method are provided to exchange information relating to mobility management during an inter-access handover. The system and method exchange information when an inter-access handover...
8484087 Systems and methods for the selection and purchase of digital assets  
The present invention provides systems and methods for enabling a customer to sample content and select content for purchasing while the customer is in a retail store. Advantageously, the customer...
8484104 Methods and systems for automatic bill pay setup for online bill pay systems  
Systems and methods for adding a payee to a user's list of payees in an online bill payment system provided by a financial institution. The online bill payment system accesses financial data of the...
8484053 Method and system of combining money transfer services with life insurance  
The present invention is a new business method that intends to reduce the risk, help, and protect the economic security of the foreign families who are dependants from the income that come from the...
8484130 System and method for a flexible device-based rating engine  
A system and method for computerized metering, rating, billing and managing of account balances on an end computing device is disclosed herein wherein the end device may facilitate such processing...
8484131 Methods and systems for processing a financial transaction  
A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on...
8484127 System and method for managing allocation of funds between a plurality of entities  
Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality...
8484052 System and method for receiving and evaluating requests for insurance proposals  
A computer system for receiving and evaluating requests for quotes for insurance services includes a processor; and a memory storage device in communication with the processor. The processor is...
8484054 System and method for managing electronic accounts in response to disability data  
A computer system includes a data storage device that stores a database. The database contains data relating to insurance policies that cover insured individuals. The computer system also includes...