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| Number | Title | Issue Date |
| 8190525 | System and method for payment for business reply mail A business reply mail payment system and method is provided. A business reply mail payment system establishes a master account with the postal system for the payment of business reply mail. A plurality of mailers each establish a separate account with the payment sy... | 05/29/2012 |
| 8190524 | Internet billing method Equipment of a provider may be operable to establish a billing arrangement with a purchasing customer to charge a billing account associated with the purchasing customer a first amount, establish a remitting arrangement with a selling vendor to remit between the sel... | 05/29/2012 |
| 8190522 | System and method for providing borrowing schemes A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account... | 05/29/2012 |
| 8190523 | Account permanence A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device. ... | 05/29/2012 |
| 8185471 | Integrated payment receiving and processing system Systems, methods, and computer program products are provided for integrating a mail receiving process with a payment processing system. Embodiments of the invention include a capture device configured to: (1) receive a plurality of payment-related mail items compris... | 05/22/2012 |
| 8180707 | Construction payment management system and method with actionable notification features A system and method for managing a construction payment process. One method embodying the invention can include automatically generating an electronic notification in response to an event, the electronic notification including an action item selectable by a particip... | 05/15/2012 |
| 8175970 | Cash to card recycling An end-to-end currency handling and management system and method include a recycler system configured to receive currency, deposit the currency into a desired account and make the currency immediately available. The currency may, in one or more examples, belong to a... | 05/08/2012 |
| 8175971 | Lifetime guaranteed income rider Apparatus and methods for providing to a bank customer a guaranteed retirement distribution based on a retail bank product. An electronic processing module may be used to identify a value of an asset in a retail banking product and calculate a guaranteed distributio... | 05/08/2012 |
| 8175969 | Architecture and method for bill presentment using a web-based tool An architecture and method for bill presentment using a web-based tool is disclosed. A common architecture collects billing data from multiple business technology systems and present the billing data on a bill. A user-friendly tool allows internal billing personnel ... | 05/08/2012 |
| 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 network and is stored in at least a database. The database preferably inc... | 04/24/2012 |
| 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 indicating that the selected buyer wishes to register with the seller ... | 04/24/2012 |
| 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 through conventional paper-based channels. Paper bills are scanned and inf... | 04/24/2012 |
| 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 amount. The method further comprising calculating a complex usage pattern ... | 04/24/2012 |
| 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 charge a call. The tariff model to be used with a subscriber is directly... | 04/17/2012 |
| 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 unpaid asset when another paid asset is being played. Another embodim... | 04/10/2012 |
| 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 provided for producing a customized advertising insert for a particular ... | 04/10/2012 |
| 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 intermediary entities as found in a standard transaction processing ... | 03/27/2012 |
| 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 financial transaction system (MFTS) is coupled for wireless communications... | 03/27/2012 |
| 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 identified customer and making the aggregated listings available to each ident... | 03/20/2012 |
| 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 operating expenses for a leased property, and for performing a reconc... | 03/06/2012 |
| 8121944 | Method and system for facilitating network transaction processing An exemplary method and system may include receiving one or more payment items from a plurality of payment entities, at a centralized agent, wherein the one or more payment items comprise one or more electronic images and paper instruments; aggregating the payment i... | 02/21/2012 |
| 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 electronic versions of any standardized form. The electronic signature i... | 02/21/2012 |
| 8121947 | Methods and systems for electronic transfer of financial accounts between financial institutions A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using inform... | 02/21/2012 |
| 8121945 | Methods and systems for payment method selection by a payee in a mobile environment Methods and systems for receiving a financial payment facilitated by use of a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communicat... | 02/21/2012 |
| 8117126 | Method and system for using reward points to liquidate products A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in t... | 02/14/2012 |
| 8117125 | Method and system for controlling certificate based open payment transactions Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains ... | 02/14/2012 |
| 8117077 | Method and system of online shopping via third party using blog A system of online shopping via a sales agent includes user terminals (1); seller terminals (21); sales agent terminals (22); two web servers (3) wherein one web server (3) comprises a seller blog (31) including item descrip... | 02/14/2012 |
| 8112354 | Method and system for virtual consolidation of biller direct web sites The present invention provides a method and a system for consolidating bill payment-related information. A consolidation toolbar is installed inside the browser of a user's computer. The consolidation toolbar enables the user to interact with a virtual consolidation... | 02/07/2012 |
| 8112356 | System and method for providing automated secondary purchase opportunities to consumers A database is provided for storing a plurality of primary sales transactions between buyers and sellers. An electronic receipt is generated for one of the sales transactions, the electronic receipt is transmitted to a device associated with a user, and a signal is r... | 02/07/2012 |
| 8112355 | Method and system for buyer centric dispute resolution in electronic payment system A method for facilitating resolution of a dispute between a buyer and a seller in an electronic payment system is provided. An electronic payment system is also described. An invoice is received from the seller and is electronically routed to the individuals in the ... | 02/07/2012 |
| 8108306 | Micro-payment system architecture A micro-payment system has buyers, sellers, and a broker. The buyers establish accounts with the broker and provide payment information allowing the broker to invoice the buyers. The sellers establish accounts with the brokers and specify terms for accessing items, ... | 01/31/2012 |
| 8108305 | Data sending/receiving method and apparatus, data receiving apparatus and data sending apparatus A sending receiving method for data, such as musical data, in which plural data stored in a first storage unit are retrieved based on the request information sent from a host side device. The retrieved data is sent to a terminal side device. The sent data is checked... | 01/31/2012 |
| 8103585 | Systems and methods for suggesting an allocation A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention... | 01/24/2012 |
| 8099361 | Transaction processing system that applies user-specified rules to divide payment amounts among multiple payment instruments A network-based transaction processing system allows online users to flexibly and efficiently make payments using a combination of different payment instruments. The system includes a user interface through which each user can define one or more personal payment pla... | 01/17/2012 |
| 8099362 | Construction payment management system and method with budget reconciliation features A computer-implemented method of reconciling a primary budget for a construction project. One embodiment of the invention includes generating a primary budget for the construction project and assigning a first primary budget line item from the primary budget to a pa... | 01/17/2012 |
| 8095462 | Dynamic enrollment control system, method and computer program product An enrollment control system for activating and deactivating enrollment of beneficiaries of a first entity in a service program, such as a bill pay service program, of a second entity. The system requests information from the second entity identifying beneficiaries ... | 01/10/2012 |
| 8090652 | System and method for charging in a communications network and a communications network charging server The present invention relates to a system and a method for charging in a communication network and to a communication network charging server. The system comprises a client (1) associated with the network for providing services to subscribers associated with ... | 01/03/2012 |
| 8090654 | Techniques for transaction adjustment Techniques are provided for transaction adjustment. A payment device, having an offline balance, is presented to an offline terminal in connection with a putative transaction. If an irregularity with the putative transaction is detected, the offline balance is adjus... | 01/03/2012 |
| 8090734 | System and method for assessing risk An improved data handling system is disclosed that facilitates the collection, storage and distribution of information for use by one or more recipient performing a process such as assessing the risk associated with a transaction. A system for handling information i... | 01/03/2012 |
| 8090655 | System and method for selection of payment systems from a payment system directory to process a transaction Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provid... | 01/03/2012 |
