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8165944 |
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...
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8164469 |
System and method for controlling battery cool-down
A method for cooling a battery after a charging phase including the steps of providing a user display, identifying a starting point at which the charging phase of the battery transitions to a...
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8165958 |
Electronic bill presentation and payment method and system
A comprehensive electronic bill presentment and payment system and method is described. Bills can be received by the system, in any electronic format. Bills can also be received by the system...
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8165960 |
System and method for automatically registering a product
A database is provided for storing a plurality of sales transactions between buyers and sellers, where each sales transaction may involve, for example, the sale of a product. A signal is received...
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8165809 |
System and method for optimized flight planning
A computer-implemented system and method for the processing and optimization of flight plans is disclosed. Information regarding a plurality of previous flight plans is received over a digital...
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8165959 |
Method and apparatus for pricing calculation
A method and apparatus for providing a competitive bid from a provider comprising receiving billing data from a user, the billing data including provider information, location, and total bill...
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8165948 |
System for selecting and purchasing assets and maintaining an investment portfolio
The invention is in the field of computer implemented systems and methods for generating a profile of an investor's risk tolerance, providing automated investment allocation advice based on the...
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8160989 |
Method and apparatus for efficient token matching using complex rules
A method and apparatus for efficient token matching using complex rules. In one embodiment, the method and apparatus comprises searching a token stream to determine an earliest, narrowest token...
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8160961 |
Charging for prepaid subscribers in a telecommunications system
To be able to customize subscriber charging in a telecommunications system, at least two different kinds of tariff models (TM) are defined, each model containing a tariff scheme defining how to...
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8160956 |
Insurance system and method for a high-risk asset purchaser or lessee
A method of financing a purchase or a lease a depreciating asset that includes determining a credit worthiness indication associated with a purchaser or lessee and establishing a finance contract...
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8157166 |
Methods and systems for managing transaction card accounts enabled for use with particular categories of providers and/or goods/services
A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of...
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8156021 |
Data processing system and method for transmitting of payment advice data
Systems and methods for transmitting payment advice data from a payment computer system to a payee computer system are provided. An exemplary method may include generating a payment order and...
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8156042 |
Method and apparatus for automatically reloading a stored value card
To facilitate the sale of merchandise using a stored value card (SVC), a method and system are provided to automatically reload an SVC in accordance with automatic reload preferences associated...
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8156020 |
Charge managing system, image forming apparatus, charge managing server, and image forming method
A charge managing system including an image forming apparatus and a charge managing server is provided. The image forming apparatus includes plural applications each configured for executing a...
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8156022 |
Method and system for providing price protection for commodity purchasing through price protection contracts
Systems and methods for the provisioning of price protection contracts which provide price protection against adverse fluctuations in the retail price of a commodity to a consumer are disclosed....
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8156024 |
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...
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8156043 |
Systems and methods for a prepaid interest credit card account
A system for charging fees to a card holder of a credit card account may comprise at least one subsystem that calculates a prepaid interest amount and at least one subsystem that charges the...
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8155985 |
System and method using insurance for risk transference
Disclosed herein is a system and method for eliminating or transferring the non-economic risk of financial securities. The system and method serves to avoid non-economic losses in the first...
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8156046 |
Methods of rendering recommended media assets to a user by employing a handheld media player
Methods of rendering of unpaid media assets from an on-line merchandiser to a user are disclosed by the use of handheld media players. One embodiment uses the idle screen to display metadata of an...
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8156045 |
Methods and systems for associating customized advertising materials with billing statements
The present invention, therefore, provides systems and methods for overcoming certain deficiencies in the prior art. For example, in accordance with one embodiment of the invention, a system is...
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8146807 |
Method and system for managing case based promises to pay
A method of managing case based promises to pay includes displaying a customer hierarchy. The customer hierarchy displays (i) a customer level with customer level information and (ii) plural...
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8146803 |
Automated banking machine with noncontact reading of card data
An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine...
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8150745 |
Multi-company business accounting system and method for same including journals
In at least one embodiment of the present invention, a computer implemented method for journalizing financial information for a multi-company accounting system is provided. The method comprises...
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8146802 |
Automated banking machine with noncontact reading of card data
An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine...
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8150750 |
Systems and methods for managing expert content
Systems and methods for managing consultation requests to communities of experts comprising receiving consultation requests, receiving responses to consultation requests, and compensating experts...
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8150753 |
System for procuring business in an e-commerce environment
A system, method and computer program product are provided for e-commerce. In use, a plurality of suppliers are registered. In addition, goods-related information from customers is received, where...
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8150746 |
Global account reconciliation tool
A global reconciliation software tool is provided to standardize reconciliation processes across various corporate lines of business. The reconciliation tool provides standard templates for...
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8145510 |
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 or...
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8145567 |
Transaction ID system and process
A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of...
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8145549 |
System and method for offering risk-based interest rates in a credit instutment
A system and method for communicating an offer to apply for a credit instrument is provided. A processing allows for processing credit history data. A calculating step allows for calculating a...
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8145568 |
Methods and systems for indicating a payment in a mobile environment
Methods and systems for indicating a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile...
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8145565 |
Credit card account shadowing
Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g.,...
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8140432 |
Aggregated postal billing and payment methods and systems
A computer-implemented method for a trusted entity such as a Post Office to process bills from a plurality of billers includes generating aggregated listings of bills to be submitted each...
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8140421 |
Automatically determining a current value for a home
A facility for valuing a distinguished home located in a distinguished geographic area is described. The facility receives home attributes for the distinguished home. For each of a plurality of...
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8140418 |
Cardholder-not-present authorization
There is provided a method and system for real-time authorization of cardholder-not-present transactions. An authorization request application may be implemented on an electronic device, such as a...
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8140431 |
Dynamic financial liability management
Financial liabilities are dynamically managed by receiving liability information relating to a client associated with multiple financial liabilities. Each financial liability is associated with a...
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8140394 |
Payment system
A payment system transfers funds from a purchaser to a supplier of goods and services. A single use transient credit code provided to the purchaser effects the transfer. The transient credit code...
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8140417 |
Data transmission system and data transmitting method
A data transmission system is provided that enables a user to move away before the completion of data transmission regardless of whether a refund is made in association with occurrence of a...
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8140433 |
Method for making secure transactions carried out with cards provided with an owner identification number
The invention concerns a method for carrying out a transaction comprising prior steps of identifying the card by reading its number and authenticating the bearer optionally by writing in the secret...
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8135117 |
Charging split negotiation in IMS sessions
A method and apparatus for implementation of split charging in an Internet protocol multimedia subsystem, allowing subsystem users to negotiate at setup and at a modification of a session...
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8135634 |
System and method for automatic payment of financial obligations
The present invention is a method for managing funds in anticipation of paying at least two financial obligations, such as an estimated tax payment and a mortgage payment. The due dates and amounts...
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8135621 |
System and method for supporting anonymous transactions
A method for supporting anonymous transactions includes storing a first profile comprising first information associated with a first client. The first information includes identifying data and...
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8131641 |
Techniques for reconciling billed expenses with provisions of a lease agreement
Techniques for facilitating more efficient and accurate reconciliation processing are provided. Embodiments of the present invention provide techniques for determining a tenant's expected share of...
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8131610 |
Method and software application for computer aided customer independent cash collection using a state field in a data record
Systems and methods are provided for computerized processing of invoices which a company has presented to, for example, two or more customers. The systems and methods may be configured to select,...
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8126793 |
Automated payment system and method
An automated payment system for processing payment by a customer to a company. The payment system includes a document scanning system which has an input receptacle adapted to accept a document....
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8126809 |
Method and system for processing financial instrument deposits physically remote from a financial institution
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
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8126771 |
System and method for managing customized reward offers
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined....
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8121946 |
System and method for modular electronic signature block
Method and system are directed to capturing consumer agreement to the terms of a transaction conducted online. The method/system uses a modular electronic signature block that may be applied to...
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8121923 |
Automated fulfilling of currency exchange requests over a computer network
An automated method is provided for fulfilling currency exchange requests received at a processor for a plurality of different currencies that are received from a plurality of different customers....
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8118218 |
Method and apparatus for providing electronic purse
Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct...
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