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Data Processing: Financial, Business Practice, Management, Or Cost/price Determination > Automated Electrical Financial Or Business Practice Or Management Arrangement > Finance (e.g., Banking, Investment Or Credit) > Including Funds Transfer Or Credit Transaction > Bill Distribution Or Payment Bill Distribution Or PaymentBill Distribution Or Payment patent applications listed are from June 2005 to current and include Date, Patent Application Number, Patent Title, Patent Abstract summary and are linked to the corresponding patent application page.11/23/06 - 20060265327 - Sales completion system for mobile devices that supports invoice display and approval A sale completion network comprising a mobile device communicatively coupled to a carrier network to which a third remote sales management server 133 may also be communicatively coupled. The mobile device is communicatively coupled with a remote phone, such as a cellular phone, a landline phone, a voice-over IP phone ... 11/23/06 - 20060265326 - Method and apparatus for payment without payment card infrastructure The provision of payment to a seller without requiring the seller to have traditional payment card acceptance infrastructure. Payment card information for a buyer is received in conjunction with a transaction between the buyer and a seller wherein the buyer provides the seller a given payment amount. The payment card ... 11/23/06 - 20060265325 - System and method for facilitating payment via a communications network using value accredited to a customer of the communications network A system for facilitating payment (10) via a communications network (12) using value accredited to a customer (14) of the communications network (12), the system comprising a first communications device (22) owned and/or operated by the customer (14); a recipient (16); a billing system (18) associated with the communications network ... 11/16/06 - 20060259427 - Method and system for handling disputes in an electronic invoice management system A process for online invoice management is provided. The process includes rendering a service to a customer and generating an invoice for this service. The process also includes making available to the customer an electronic document providing information on the invoice, where the customer can consult this electronic document view ... 11/16/06 - 20060259426 - Apparatus and method for producing electronic media on demand A device for downloading electronic media to a consumer device is disclosed. The device includes a payment interface and a display interface electronically connected to the payment interface to display information. An input interface is electronically connected to the display interface to allow for selection of electronic media from the ... 11/16/06 - 20060259425 - Security systems for a payment instrument The invention provides improved security for stored-value instruments. For example, an instrument-authority system may receive a first identifier for an instrument and may thereupon authenticate the instrument, but the system may wait before activating the instrument, such that the instrument may be unusable for a period of time to allow ... 11/16/06 - 20060259424 - Systems and methods for purchasing goods and collecting donations A method of purchasing goods or services over a network including the steps of providing an interactive recording system on the network, receiving one or more communications from a device associated with a user seeking to purchase said goods or services via the interactive recording system, providing a purchase order ... 11/16/06 - 20060259423 - Centralized payment processing system A centralized payment processing system is disclosed, which gives the user the ability to create payment outputs in a centralized environment. The centralized payment processing system includes embodiments in the form of a computer-readable medium, a method, and a means for processing payments, for example. The computer-readable medium includes computer-executable ... 11/09/06 - 20060253394 - System and method for hybrid single and aggregation sale A hybrid single and aggregation sale system is disclosed. This invention provides the mechanism: aggregating the individual purchase, grouping into the buying power, promoting efficient way for selling goods. The system has two styles: explicit and implicit style. Explicit style defines the limitation of availability etc. deal start time, end ... 11/09/06 - 20060253393 - Systems and methods for facilitating more convenient and efficient purchase and sale of inventory Embodiments of methods and systems to facilitate or enable more convenient and efficient sale of inventory, by reducing transaction costs, employing computer software, remote communications and/or the Internet. ... 11/09/06 - 20060253392 - Payment apparatus and method A secure payment system for authorised point of sale transactions enables a user to pay electronically for goods using a handheld device such as a mobile phone (115). No confidential information need be held on the handheld device (115), all financial data being held within the payment system. A short-range ... 11/09/06 - 20060253391 - Method, apparatus, and computer readable medium for facilitating transactions Certain exemplary embodiments provide methods, apparatuses, and computer readable media for facilitating transactions involving contractual rights to receive payments resulting from the transfers of interests in intellectual property assets. ... 11/02/06 - 20060248010 - Revenue management systems and methods A revenue management system for telecommunication systems is disclosed. The revenue management system can have multiple integrated modules. The modules can include a revenue generation module, a revenue capture module, a revenue collection module, a revenue intelligence module, and others. The revenue management system can also be configured to simultaneously ... 11/02/06 - 20060248009 - System and method for processing electronic payments A payments gateway operable to receive a payments file from an originating entity. The payments gateway then invokes a policy associated with the originating entity, with the policy comprising references to at least a subset of a plurality of receiving entities. The payments file is parsed into a plurality of ... 11/02/06 - 20060248008 - Method of evaluating a benefit plan A method of evaluating a benefit plan where a user selects the benefits from a present plan, provides detailed information on the selected benefits, compares the detailed information with the pre-existing information, and generates a report based on the comparison. ... 11/02/06 - 20060248007 - Methods and systems for generating dynamic reward currency values Systems and methods are disclosed for generating payment values of goods and services (rewards). The disclosed systems and methods may include receiving an input. Furthermore, the disclosed systems and methods may include dynamic calculating, based upon the received input, a plurality of payment pairs, each of the plurality of payment ... 10/26/06 - 20060242061 - Methods and systems for netting of payments and collateral The present invention generally provides for systems and methods for netting payments and collateral. Generally, systems and methods of the present invention maximize market liquidity and minimize financial risk and collateral burdens of participants. ... 10/19/06 - 20060235794 - System and method for generating a filtered product list from a master product list in a contract A system and method for generating a filtered product list from a master product list, and for electronically facilitating subsequent contractual activities executed pursuant to a contract. The contract comprises a Business Rules Book containing a set of rules from which specific rules may be selected for inclusion in the ... 10/19/06 - 20060235793 - Method and apparatus for a cryptographically-assisted commerical network system designed to facilitate and support expert-based commerce The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications. ... 10/19/06 - 20060235792 - Tracking a fuel cell A method and system for tracking a fuel cell disposed within a device that has been inserted into an apparatus such that information has been extracted from the inserted device. An identity of the fuel cell is determined from the extracted information. An identity of a registered user of the ... 10/12/06 - 20060229984 - Pos terminal for easy split-the-bill settlement A POS terminal is capable of calculating and charging the shares of a plurality of customers easily and accurately on a split-the-bill settlement basis. A RAM stores information as to items ordered by the customers and amounts of money for the items. A display unit displays the items and the ... 10/12/06 - 20060229983 - Method and apparatus for processing annuities This document describes, among other things, systems and methods for processing patent annuities or maintenance fees. In an embodiment, a method maintains records of patents or applications and their associated annuity or maintenance fees. The method generates a display or report that includes when a payment is due, the amount ... 10/12/06 - 20060229982 - Automated transaction processing system and approach with currency conversion Transaction management for contract and contract-related approaches is facilitated. According to an example embodiment of the present invention, a transaction management system automatically sets contract terms including currency conversion terms for a transaction based on business rules previously established between parties to a transaction. In one implementation, the transaction management ... 10/12/06 - 20060229981 - Method for increasing sales of vehicles at an automobile dealership using a hand held scanner and a data base link This invention allows a customer to use a handheld PDA device to recognize the vehicle identification number of a vehicle for sale at a dealership's lot. The PDA then transmits over a wireless local area network the chosen vehicle identification number to a host computer server which accesses hosted database ... 10/12/06 - 20060229980 - Payment system and method for data broadcasted from a remote location to vehicles The present invention is directed to a payment system and method for chargeable data that is broadcasted from a remote location. The payment system and method includes a Web site, the remote location (or a broadcasting station), and an end receiver. The Web site is configured to allow for the ... 10/05/06 - 20060224510 - Method and apparatus for a cryptographically-assisted commerical network system designed to facilitate and support expert-based commerce The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications. ... 10/05/06 - 20060224509 - Method and apparatus for a cryptographically-assisted commerical network system designed to facilitate and support expert-based commerce The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications. ... 10/05/06 - 20060224508 - Online debit cardless debit transaction system and method Discloses a payment transfer system used to transfer funds from a payer to a payee using an online payment processor gateway. The payment processor gateway is accessible by a payer over the internet from a merchant web site or by telephone contact using mobile SMS messaging or mobile, POTS or ... 10/05/06 - 20060224507 - Flexible billing adjustment system The present invention relates to flexible billing systems that can be used within the transportation industry to facilitate credit card billing adjustments to credit cards that were previously used by customers to pay for one or more shipping charges. In particular, the present invention provides a system or tool that ... 09/28/06 - 20060218095 - Spending vehicles for payments A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of the payment a spending vehicle such as a discount card, rebate, or coupon for use with purchases of ... 09/28/06 - 20060218094 - Biling statement customer acquistion system A customer acquisition system is disclosed that allows an offeror service provider to acquire new customers by making acquisition offers to customers through the billing statements of other businesses (“billing statement issuers”). An “acquisition offer” is an offer by the offeror service provider to pay an amount owed by the ... 09/28/06 - 20060218093 - Billing statement customer acquistion system A customer acquisition system is disclosed that allows an offeror service provider to acquire new customers by making acquisition offers to customers through the billing statements of other businesses (“billing statement issuers”). An “acquisition offer” is an offer by the offeror service provider to pay an amount owed by the ... 09/28/06 - 20060218092 - Billing statement customer acquistion system A customer acquisition system is disclosed that allows an offeror service provider to acquire new customers by making acquisition offers to customers through the billing statements of other businesses (“billing statement issuers”). An “acquisition offer” is an offer by the offeror service provider to pay an amount owed by the ... 09/28/06 - 20060218091 - Fraud-free payment for internet purchases A simple, non-intrusive, fraud free payment method for customers to make Internet purchases without using credit cards or revealing personal information. Customers can purchase any specific dollar amount of pay codes via on-line purchase by logging into their financial institution and purchasing the codes, via phone banking (using mobile phone ... 09/28/06 - 20060218090 - Method and server for transmitting data A method transmits data relating to a payment operation from a mobile communication terminal (KEG) to a payment system (ZS1, ZS2) in a communication network (GPRS). A server (S) in the communication network uses a first communication protocol (OTA) to receive payment data which come from an application program (A) ... 09/21/06 - 20060212393 - Payment system and method Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system. ... 09/21/06 - 20060212392 - Advanced messaging system and method Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system. ... 09/21/06 - 20060212391 - Method and system for facilitating network transaction processing According to one embodiment, the present invention relates to a method and a system for efficient transaction processing. According to an exemplary embodiment, a method and system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment ... 09/21/06 - 20060212390 - Method and system for direction of funds to non-profits The disclosed embodiments provide systems and methods for facilitating transfer of funds to a charitable organization or a charitable cause, for example, and facilitate the use of accounts that are established for charitable gift-giving in making contributions to a charitable cause through a website, for example. Such accounts include, but ... 09/21/06 - 20060212389 - Systems and methods for adminstering return sweep accounts Novel systems and methods for managing a plurality of client demand accounts so as to allow a banking institution to retain client deposits on the bank’s balance sheets while, at the same time, providing the client with the capability of implementing up to an unlimited number of transactions per month ... 09/14/06 - 20060206427 - Approving ach operator processing of ach payments based on an originating depository financial institution's approved originator list Approving automated clearing house (“ACH”) payments for processing by an ACH operator is based on an approved originator list identifying originators authorized by an originating depository financial institution (“ODFI”) to originate ACH payments and to send those ACH payments to the ACH operator on behalf of the ODFI. The ACH ... 09/14/06 - 20060206426 - Promise to purchase real estate system and method The present system and method seeks to lessen impacts of market fluctuations, transaction costs, and other detrimental factors associated with conventional dwelling purchases while seeking also to provide more options in selection of dwellings to choose from by the household seeking such a dwelling. An exemplary implementation involves an initial ... 09/14/06 - 20060206425 - Electronic payment system for financial institutions and companies to receive online payments The present invention provides an a electronic payment system for bank, financial institutions, portals and companies to receive payment from their customers for one or more payees. The electronic payment system allows payer (consumer or business) to use any funding method (bank account, credit/debit cards or any other business or ... 09/14/06 - 20060206424 - Systems and methods for rewarding debit transactions Systems and methods are provided for determining the value of a reward to a customer when converting the customer's promissory transaction to a direct debit transaction. The direct debit transaction does not have costs, such as guaranteeing the transaction, or collecting on a bad debt, typically associated with a promissory ... 09/14/06 - 20060206423 - System and method for registering commodities using an electronic warehouse receipt Shown is a system for generating and managing of electronic warehouse receipts, where each receipt represents a right to delivery of a predetermined amount of a commodity from an undifferentiated bulk of the commodity. At the request of a buying party to a transaction, the system generates an electronic warehouse ... 09/14/06 - 20060206422 - Method and system for determining and providing communications service based on a customer request According to the present invention, a customer transmits a request for service to a Service Comparison/Acquisition Provider (SCAP). The request defines parameters related to the service, such as the type of device to be used, the address of the device to be communicated with, the duration of communication, an access ... 09/07/06 - 20060200408 - Method and system for brand management A method of and system for managing brands for products and services internationally. The method includes receiving identification of a package of legal services, receiving a selection for membership of a core team, determining a subscription for the package of legal services, and generating a bill based on the package ... 09/07/06 - 20060200407 - Advanced payment integrity Methods and systems for identifying and resolving payment integrity issues are provided. Analytic techniques that may include a query component, an artificial intelligence engine, and a text mining component are integrated into a payment integrity system. One or more of the analysis components provide information from a source transaction system ... 08/31/06 - 20060195400 - Controlling access to electronic content A computer-implemented method of controlling access to electronic content includes receiving electronic content and producing a file that includes the electronic content and instructions for collecting and transmitting payment information. The method further includes receiving a reply to the transmitted message and selectively providing access to the electronic content based ... 08/31/06 - 20060195399 - System and method for interrelating and storing advertisements, tearsheets, and invoices A website including a search web page configured to search for invoices and to display a web page with at least one found invoice summary. There is a link between the at least one found invoice summary and an invoice which, when activated, displays a web page with an invoice ... 08/31/06 - 20060195398 - Method and apparatus for processing payment requests A request is received from a user to register to use a payment system. Further received is identification of a user bank account to which received payments are to be deposited. An email address is also received along with an amount from the user. A request for payment is generated ... 08/31/06 - 20060195397 - Centralized electronic bill presentment To make bill information available for presentation to a user entity, a first network site receives a request of the user entity for bill information, from a third network site associated with the user entity. In response, bill information representing a bill of a biller entity for the user entity ... 08/31/06 - 20060195396 - Centralized customer care for electronic payments and other transactions via a wide area communications network Customer care is provided via a wide area communications network to a user who has previously requested payment of a bill of a biller on the user's behalf by a bill payment service provider. The communications network has multiple different network sites including a first network site associated with a ... 08/31/06 - 20060195395 - Facilitating electronic payment on behalf of a customer of electronic presented bills To facilitate electronic presentment of a bill of a biller for a customer and payment of the presented bill on behalf of the customer via a communications network, a first network site associated with a bill payment entity receives a request for billing information from a second network site associated ... 08/24/06 - 20060190400 - System and method for document imaging management The present disclosure provides a system and method for providing an improved system and method for document imaging management. ... 08/24/06 - 20060190399 - Data processing technique for providing a cash rebate in a loan program A method provides a cash rebate in a loan program of a financial institution using a computer having a memory device. The method includes maintaining, in the memory device of the computer, for a borrower, a borrower information file, including a contractual loan payback schedule based on an interest rate ... 08/24/06 - 20060190398 - Method of reversing an erroneous invoice A method of reversing a plurality of erroneous invoices proffered by a plurality of vendors/suppliers. The method comprises providing a master database for inputting a plurality of vendor invoices, storing a cancellation request for each of the plurality of erroneous invoices in a response database, executing an agent to extract ... 08/17/06 - 20060184451 - Integrated electronic presentment and payment of bills by different entities To electronically present bills and request payment of presented bills, billing information representing a bill of a biller for a payee, and an associated selectable payment indicator having a first linking function, are received from a first network site associated with a bill presentment entity via a first communications link ... 08/10/06 - 20060178988 - Internet billing method An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the Internet access provider agrees with the customer and the vendor to bill the customer and remit to the vendor for products ... 08/10/06 - 20060178987 - Systems and methods for re-amortizing a borrower's monthly payment for collection and payment to a lender Systems and methods for re-amortizing a borrower's monthly payments for collection and payment to a lender. The method includes determining an electronic payment term cycle, which includes one or more of monthly payment cycles and each monthly payment cycle includes one or more collection days periodically occurring according to a ... 08/10/06 - 20060178986 - System and method for processing financial transactions using multi-payment preferences The invention relates generally to retail transactions and, more particularly, to retail transaction systems and methods employing consumer preferences applicable to the transaction for goods and services. The customer profile may comprise customer preferences with regard to at least one method of payment. Based on the customer profile and/or other ... 08/03/06 - 20060173780 - System and method for offering and managing online purchasing card transactions A purchase card system configured in accordance with the invention offers purchase card products that facilitate online purchases of life sciences research products and/or services via an e-commerce application. The acquisition and use of such purchase card products complies with mandated procurement, spending, and appropriations rules, regulations, and laws, such ... 08/03/06 - 20060173779 - System, method, and computer program product for receiving and processing payments A system, method, and computer program product is provided that is capable of receiving and processing payments from a payor. In one embodiment, the system includes a processing element capable of identifying a payor account, the payor account being associated with a payor and with one of a plurality of ... 08/03/06 - 20060173778 - Enterprise billing system for medical billing An enterprise medical billing system receives patient identifying and charge information from a variety of sources, associates the charge data with a guarantor, provides a consolidated statement to the guarantor, and allocates portions of a received payment to the variety of sources based on a series of configurable payment rules. ... 08/03/06 - 20060173777 - Systems and methods for management and analysis of telecommunication access service This invention provides methods and systems for accessing, integrating, and analyzing multiple telephone rate and billing systems across multiple telephone service regions to execute an access carrier service customer rate and billing detail to effectively service customer accounts, resolve billing questions, and/or develop new revenue products. ... 07/27/06 - 20060167797 - Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the operating inputting element; a measuring element for measuring the time during which each of the functions has been executed by the ... 07/27/06 - 20060167796 - Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the operating inputting element; a measuring element for measuring the time during which each of the functions has been executed by the ... 07/27/06 - 20060167795 - Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the operating inputting element; a measuring element for measuring the time during which each of the functions has been executed by the ... 07/27/06 - 20060167794 - Bill payment systems and methods using a kiosk A method of transferring funds includes providing a first kiosk having a negotiable instrument acceptor. The negotiable instrument acceptor is configured to acquire information from a negotiable instrument. The method further includes providing a first kiosk access device to a first customer. Providing the first kiosk access device includes receiving ... 07/27/06 - 20060167793 - Systems and methods for processing and providing a payment Systems and methods are provided for data processing. In one implementation, a data process system is provided that stores open payment items. Each open payment item may be assigned an identifier. The data processing system may also store user authorizations that specify a sub-set of the identifiers. Furthermore, the data ... 07/27/06 - 20060167792 - Multi-supplier transaction and payment programmed processing system and approach In an example embodiment, a computer-based contract-management approach processes transactions involving at least one supplier (i.e., seller or sellers) fulfilling one or more sub-components of the transaction. Each of the suppliers (e.g., as well as other transaction parties) reference the transaction when communicating transaction information such as invoices, regardless of ... 07/13/06 - 20060155643 - Payment instrument notification Payment instrument notification is described. In an implementation, a method is described in which a user is notified of impending expiration of a payment instrument that is utilized to interact with a service. The notification is performed such that the user is permitted to interact with the service during a ... 07/06/06 - 20060149671 - Payment processing method and system A payment processing system includes one transaction processor that aggregates cost data associated with low-priced sales transactions between a consumer and a merchant. The transaction processor sends data that represents the aggregated cost data to an acquiring banking entity associated with the merchant. The system also includes another transaction processor ... 06/29/06 - 20060143125 - Method and system for electronic billing and reconciliation A system and method for generating and providing an electronic billing statement to a client including a client computer, a travel agent computer, a financial service provider computer and an electronic billing and reconciliation computer for receiving a first billing data file from the travel agent computer and a second ... 06/29/06 - 20060143124 - Real time payment transaction system and method A method and system for processing a payment from a customer to a service provider, where the payment is received at a third party merchant and the payment amount is deposited to the customer's account at the service provider. Each customer of the service provider is issued a real time ... 06/29/06 - 20060143123 - Apparatus and method for verifying source of funds regarding financial transactions A system, method, apparatus, means, and computer program code that facilitate verification of a source of funds for payment to an account, including receiving payment information associated with the account for a payment to the account, receiving an indication of a payment for the account, the indication including a source ... 06/29/06 - 20060143122 - Purchasing on the internet using verified order information and bank payment assurance Methods for goods or services over the internet (15). A customer has a customer account set up at a bank (30) with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery address, authorized global positioning satellite or other secure location ... 06/22/06 - 20060136335 - System and methods for accessing high-profile individuals A system and methods of providing access to high-profile individuals within a high-profile individual communication system. A communication and an offer amount are received from a user and provided to a high-profile individual. The high-profile individual is under no obligation to respond to the communication. Additionally, the user does not ... 06/22/06 - 20060136334 - Electronic system for provision of banking services An electronic system providing banking services, comprises a server having a first interface for communication with user mobile telephony devices over a mobile telephone network; and a second interface for communication with an intermediary acting as a gateway to banking records of multiple banking organisations. The first interface is adapted ... 06/22/06 - 20060136333 - System and method for servicing student financial needs The invention includes a method and system for providing services to customers on behalf of a distributor. In particular, a method and system by which a school can provide financial services to students is provided. A system manager maintains relationships with a plurality of service providers, each providing a service ... 06/15/06 - 20060129485 - Business method for credit card verification A means by which possession of a credit card can be validated in transactions over the Internet is presented. As part of the payment transaction, a vendor instructs the user to use an electronic camera to take a picture of the credit card in a specific situation, such as being ... 06/15/06 - 20060129484 - Exception reporting and management This invention provides systems and methods that minimize or remove human intervention during the payment media handling process on the shop floor, in the back office and at the cash-in-transit place. By automating processes and providing physical, tamper evident secure means for transporting the payment media, it is possible to ... 06/15/06 - 20060129483 - Method for transacting a trade electronically, and a system therefor A method for electronically transacting a trade between a commercial provider and a customer of a merchant. The method is also for electronically paying all of the participants involved with enabling the transaction from the payment made by the customer in consideration of the trade. The method involves entering into ... 06/08/06 - 20060122932 - Efficient and incentivized enrollment in an automatic payment program for recurring bills Systems and methods are described for a customer to enroll in and manage a program for automatic payment for the recurring bills of a number of merchants within a single interface. The interface can be provided by the customer's credit card-issuing financial institution, which contacts the customer-selected merchants and arranges ... 06/01/06 - 20060116960 - 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 account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national ... 06/01/06 - 20060116959 - Billing system, mobile terminal, and billing method To provide a billing system capable of simplifying user's operation and quickly performing a billing process even in the case where there exist a plurality of terminals for billing. A billing system 1 according to the present invention is a billing system for implementing billing by transmitting billing information transmitted ... 06/01/06 - 20060116958 - Billing system, mobile terminal, and billing method To provide a billing system capable of simplifying user's operation and quickly performing a billing process even in the case where there exist a plurality of terminals for billing. A billing system 1 according to the present invention is a billing system for implementing billing by transmitting billing information transmitted ... 06/01/06 - 20060116957 - Method and apparatus for facilitating online payment transactions in a network-based transaction facility A method and a system to transfer payment to a seller associated with a transaction facility are described. In one aspect, a risk level involved in a payment transaction using a scoring algorithm is evaluated based on seller-specific criteria; and a payment is processed based on the evaluation. ... 06/01/06 - 20060116956 - 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 adjustment for a specific buyer. The set of business rules may be variable for each buyer and/or globally set. When a ... 05/25/06 - 20060112010 - 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 adjustment for a specific buyer. The set of business rules may be variable for each buyer and/or globally set. When a ... 05/25/06 - 20060112009 - Deferred compensation method A method of deferring compensation. One or more initial payment dates over a period of time are selected on which a portion of compensation is to be paid. At least twelve months prior to each initial payment date, the initial payment date is rescheduled to a subsequent payment date at ... 05/25/06 - 20060112008 - System and method for funding a retirement account According to one embodiment of the invention, a method comprises a plurality of operations. A first operation involves the computation of a total amount of purchases made using a payment card. Next, a percentage of the total amount of the purchases is computed and the monetary value is subsequently deposited ... 05/25/06 - 20060112007 - Count and login management This invention provides systems and methods that minimize or remove human intervention during the payment media handling process on the shop floor, in the back office and at the cash-in-transit place. By automating processes and providing physical, tamper evident secure means for transporting the payment media, it is possible to ... 05/25/06 - 20060112006 - Audio/visual clips This invention provides systems and methods that minimize or remove human intervention during the payment media handling process on the shop floor, in the back office and at the cash-in-transit place. By automating processes and providing physical, tamper evident secure means for transporting the payment media, it is possible to ... 05/18/06 - 20060106716 - Capacity management and timing This invention provides systems and methods that minimize or remove human intervention during the payment media handling process on the shop floor, in the back office and at the cash-in-transit place. By automating processes and providing physical, tamper evident secure means for transporting the payment media, it is possible to ... 05/11/06 - 20060100960 - Systems and methods for integrating multiple interaction arrangements Methods and systems are provided for executing such a bilateral action. A communication is received at a host system. A determination is made that the communication identifies a physical instrument that identifies an account of stored value. A request is transmitted to another host system to debit the account by ... 05/04/06 - 20060095373 - System and method for management and verification of invoices Embodiments of the present invention include architectures and methods for automated management of invoices. Embodiments of the present invention may include techniques for receiving and unifying invoice data, retrieving information about each invoice, verifying each invoice and resolving invoice exceptions. The present invention includes software components for efficiently processing invoices. ... 05/04/06 - 20060095372 - System and method for management and verification of invoices Embodiments of the present invention include architectures and methods for automated management of invoices. Embodiments of the present invention may include techniques for receiving and unifying invoice data, retrieving information about each invoice, verifying each invoice and resolving invoice exceptions. The present invention includes software components for efficiently processing invoices. ... 05/04/06 - 20060095371 - Strategic payment allocation system The present invention is directed to a method for managing and paying off a plurality of loan debts comprising the following debts a) Identifying the debts with the highest periodic interest expense; b) determining an extra payment value to be placed; c) making a payment of the debt with the ... 05/04/06 - 20060095370 - Method and system for categorizing items automatically A method and system to automatically categorize a merchant listing in an electronic marketplace are provided. The method includes parsing the category information submitted by a seller to derive a first category identifier. A first search is performed to locate the first category identifier in a first database containing a ... 04/27/06 - 20060089907 - Invoice verification process The present invention provides a system and method for automatically verifying an invoice or credit memorandum and generating a payment or crediting an account. Upon receipt of a paper invoice or credit memorandum, an electronic invoice or credit memorandum having identifiable content may be generated using, for example, optical character ... 04/27/06 - 20060089906 - Method for securing a payment transaction over a public network A method for processing a payment transaction between a buyer and a seller over a network using a payment manager is provided. The payment manager manages a plurality of buyer and seller accounts, each account having an account id associated with it. The payment manager receives payment authorization requests for ... 04/20/06 - 20060085339 - Method and apparatus for ordering goods, services and content over an internetwork A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone service provider. When a consumer orders a product over the Internet, a plug-in component of the consumer's computer establishes ... 04/20/06 - 20060085338 - System and method for imbedding a defined benefit in a defined contribution plan A system and method for providing a user with a portable benefit, within a qualified or non-qualified defined contribution plan, based on a formula the result of which indicates the exact guaranteed minimum periodic income that the user will receive no matter how long the user lives and the potential ... 04/20/06 - 20060085337 - Method and system for using payment cards as a payment option within an online bill payment and presentment solution An exchange hub is provided that is programmed to receive by way of an open, standardized, secure messaging protocol, a payment card transaction request from a consumer's CSP. A consumer transmits to an EBPP system a request to pay a bill electronically using a payment card. The consumer's payment card ... 04/20/06 - 20060085336 - Consistent set of interfaces derived from a business object model Methods and systems consistent with the present invention provide a data processing system having a business object model reflecting the data used during a business transaction. Consistent interfaces are generated from the business object model. These interfaces are suitable for use across industries, across businesses, and across different departments within ... 04/20/06 - 20060085335 - Point of sale systems and methods for consumer bill payment The present invention provides systems and methods of processing bill payments. One such method includes receiving a payment request from a customer. The payment request is for a bill associated with a vendor. The vendor may be any number of vendors including utility companies, mortgage lenders, credit card companies, financing ... 04/20/06 - 20060085334 - 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 respective interest rate. A payment is allocated among the financial liabilities, for example, as a function of the interest rates associated with the financial liabilities. ... 04/20/06 - 20060085333 - Credit/debit card payment system A system providing a payment transaction using a single selection from a plurality of credit/debit card accounts without requiring the use of any corresponding credit/debit card. The system uses a unique customer identity number associated with a plurality of credit/debit card accounts. The system also provides the retrieval of transaction ... 04/13/06 - 20060080246 - Energy efficient homeownership mortgage program A program for encouraging homebuyers to purchase more efficient HVAC equipment at the time they purchase an existing house is described. The purchase price of the HVAC equipment is included in the mortgage loan. The overall monthly cost of the mortgage payment and heating and cooling costs is lowered for ... 04/13/06 - 20060080245 - Negotiable instrument clearing server and method The present invention relates to a secure check clearing server. The check clearing server comprises a database for storing payment information associated with an issued check and a status indicator associated with the issued check. A clearing module receiving a clearing request message. The clearing request message includes payment information ... 04/13/06 - 20060080244 - Method and apparatus for insuring and paying annuities for patents Systems and methods are described that allow and enable the provision of malpractice or errors and omissions insurance to cover malpractice or other negligent conduct in connection with the payment of annuity or maintenance fees for patents and patent applications throughout the world ... 04/13/06 - 20060080243 - System and method for issuer originated payments for on-line banking bill payments Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is ... 04/13/06 - 20060080242 - Database device & methods for managing and manipulating electronic titles Presented is a distributed computer network system and method for generating electronic title for commodities during international transit. The system populates data fields of a database with information from a shipper's letter of instruction concerning the commodity and identifying the title holder and the beneficial party. The data fields are ... 04/13/06 - 20060080241 - 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 for the lease or the purchase of the depreciating asset. A dealer is a guarantor of the finance contract. The ... 04/13/06 - 20060080240 - Electronic payment transaction system An electronic payment transaction system for enabling customers to pay creditors via at least one manual payment to an intermediate trustee at a trustee site includes a trustee processor, a creditor transaction processor linked to the trustee processor, and a host processor. The trustee and creditor transaction processors are located ... 04/13/06 - 20060080239 - System and method for pay-per-click revenue sharing A method for revenue sharing in Internet pay-per-click advertising wherein a user designates an entity and makes at least one click, the least one click generates revenue and the entity receives at least a portion of the revenue generated by the user's at least one click. A method for generating ... 04/13/06 - 20060080238 - 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, including electronic content, available from the sellers. The sellers also ... 04/13/06 - 20060080237 - Combined asset debt elimination membership organization and debt elimination method A debt elimination method and organization by which individuals join an organization and its active members are eligible to be randomly selected to have their personal debt paid based on the principal sum of membership dues. Personal debt of members is paid on a monthly basis based on the total ... 04/13/06 - 20060080236 - Method and system for debt recovery According to one embodiment of the invention, a method of debt recovery is provided. The method includes providing a device to a consumer owing a debt to a creditor. The device has a utility that becomes available to the consumer after being activated by the creditor. The method also includes ... 04/06/06 - 20060074803 - Multi-purpose kiosk and methods A method of transferring funds includes providing a first kiosk having a negotiable instrument acceptor. The negotiable instrument acceptor is configured to acquire information from a negotiable instrument. The method further includes providing a first kiosk access device to a first customer. Providing the first kiosk access device includes receiving ... 04/06/06 - 20060074802 - Electronic payment system with rejection option A system and method for electronic processing of periodic payments such as rent payments is disclosed. Payer tenders an electronic payment through a server interface and funds are transferred to a clearing account. Payee reviews the incoming payments and may accept a payment, in which case, funds are transferred to ... 04/06/06 - 20060074801 - Method of effecting a payment to a service provider on behalf of a member of a medical scheme and a system therefor A method of effecting a payment to a service provider on behalf of a member of a medical scheme includes receiving a request from a service provider for payment in respect of services provided to a member of the medical insurance scheme. If payments made to service providers on behalf ... 04/06/06 - 20060074800 - Conscription income protection plan and military draft insurance A method of insuring military draftees for the reduction of income due to involuntary active military duty includes collecting payments on behalf of a draftee, amounts of the payments being based upon civilian income of the draftee and desired compensatory income during times of active military duty, and providing the ... 04/06/06 - 20060074799 - Method and system for integrated payment processing An integrated payment processing system and method includes an input unit that receives payment data from at least three different payment types. A processing unit processes the payment data to associate the payment data with one or more payers and one or more goods or services, and a user interface ... 03/23/06 - 20060064378 - Method and apparatus for maintaining linked accounts A method and apparatus for maintaining liked accounts for participants of network-based marketplaces are described. In one embodiment, a master account is maintained for a master account holder, and one or more sub-accounts linked to the master account are maintained for one or more sub-account holders. The sub-accounts are funded ... 03/23/06 - 20060064377 - Electronic bill presentment via a wide area communications network Bill information is electronically presented to a user via a wide-area communications network. The wide-area communications network has multiple different network sites, including a first network site associated with a first bill information presentment entity, a second network site associated with a first user entity, and a third network site ... 03/16/06 - 20060059088 - Method and system for purchase card utilization and data reconciliation with enterprise resource planning/financial software The present invention provides a system and method for using an organization's existing ERP to perform automated reconciliation of purchasing card transactions. A buyer receives invoices from a supplier requesting payment for goods or services. The buyer's ERP validates the invoice using, for example, a three-way match process. After three-way ... 03/16/06 - 20060059087 - System and method for pricing of merchant accounts A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to provide a quote to the merchant for payment processing. A transaction pricing system receives the merchant account data and provides transaction ... 03/02/06 - 20060047600 - Method and system for borrowing base certificate administration An embodiment of the present invention relates to borrowing base certificate administration. A method and system may include generating a borrowing base template for a loan wherein the borrowing base template is customized for a user by segmenting the loan into a plurality of schedules and assigning each schedule a ... 02/23/06 - 20060041505 - Fee-based message delivery system The present invention relates to a system and method for fee-based messaging over a global communication network. A method is disclosed wherein a prospective recipient of messages establishes prices for a variety of services and for various tiers of senders. Generally, all messages to a recipient pass to a service ... 02/16/06 - 20060036545 - Management system and management method for charging object apparatus, management apparatus and charging object apparatus A management apparatus, a charging object apparatus and a management system and method by which a product of an object of use can be used in an efficiency as high as possible when it is used commonly by a plurality of people. In the management system, the management apparatus includes ... 02/16/06 - 20060036544 - On-line payment method A payment System for online purchases that includes as participants a System Administrator, Members, Merchants and Subscribers/Non-Subscribers. Participating purchasers are Subscribers to a Member. Subscribers have pre-determined purchase limit and pre-determined delivery address for goods purchased within the System. Members may or may not be banking/financial institutions. Merchants charge the ... 02/02/06 - 20060026098 - Method and apparatus for effecting payment One aspect of the invention relates to a technique for effecting payment, and involves: presenting a portable device; and causing the portable device to output a pseudo payment code. ... 02/02/06 - 20060026097 - Method and apparatus for verifying a financial instrument An apparatus and method for verifying a customer's legitimacy to use a payment instrument based on access to financial account information provided by the instrument issuer is disclosed. A seller accepts details about goods and services to be delivered, and information about a payment instrument to be used in a ... 01/26/06 - 20060020545 - Payroll system The present invention provides a payroll system in which calculations are performed by a remote service, but where the client maintains access to, and control over, payroll and employee records. In one embodiment, a client component receives a user request for a payroll calculation and populates data transmission schemas with ... 01/26/06 - 20060020544 - System and method for tracking emissions A system for estimating emissions based on bills paid through a bill paying service. The system includes a bill payment processor configured to receive a bill for an external entity and arrange for a payment based on the bill, an emission estimation engine configured to generate an emissions estimate based ... 01/26/06 - 20060020543 - Method and system for expediting payment delivery A method and system of the present invention are directed to expediting payments for scheduled delivery (e.g., next day delivery) to various payees or recipients. A computer implemented method and system for expediting payments may include receiving recipient data and payment data from a customer at a remote location; wherein ... 01/26/06 - 20060020542 - Method and system for processing financial transactions A method and system for processing financial transactions by receiving a payment transaction as an Issuing Payment Processor, converting the payment into one or more derivative transactions based on a defined rules set, and then sending, as a Merchant Payment Processor, the resulting derivative transaction or transactions to another Issuing ... 01/26/06 - 20060020541 - System and method for automated title searching and reporting, reporting of document recordation, and billing A method and system for automated title searching and reporting, having one or more generally geographically located computers each having software and one or more databases; an interface for receiving instructions from one or more clients setting forth desired title information for one or more pieces of property such that ... 01/19/06 - 20060015459 - Data processing methods, systems and computer programs for providing a payment Data processing systems and methods are disclosed for providing a payment using a Web service. In one implementation, a first computer is used for entry of data values into respective data entry fields of an electronic data entry form. Further, an identifier of the Web service, such as the uniform ... 01/19/06 - 20060015458 - System and method for verifying payment A method, apparatus and system for verifying a charge payment transaction subsequent to executing the charge payment transaction in a retail location. The method includes moving a charge payment device into the retail location and presenting the charge payment device at a merchant point of sale located at the retail ... 01/19/06 - 20060015457 - Method and system for product distribution and billing A process of, and system for, product distribution and billing. The process comprises: a) distributor delivery of product(s) to customers; b) provider receiving through a website a notification from the distributor that the distributor has delivered product; c) provider issuing credit to the distributor as compensation for both the delivered ... 01/12/06 - 20060010070 - 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 system. The DNA is based on information that may include source ... 01/05/06 - 20060004659 - Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account A virtual payment system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment system comprises a commerce gateway component (52) and a credit processing server component (53). The virtual payment system is a secure, closed system comprising registered sellers and buyers. A ... 01/05/06 - 20060004658 - Method of processing credit payments at delivery A method of processing signature-required payment using a handheld device with a wireless access capability is disclosed. When a consumer buys goods from a seller, the seller and consumer agree on the amount of payment and acceptable payment species. The delivery person of the shipper who delivers the goods on ... 01/05/06 - 20060004657 - Method for establishing and administering a benefits program A system and method for establishing and administering a benefits program for enrollees of a membership association of tenants including an indemnity plan backed by a licensed surety to guarantee association participants of rental properties against property damage and/or loss of rents due to actions of any tenant as an ... 12/29/05 - 20050289054 - System for associating printer account data A system is provided for providing printed information to a user comprising an interface, identifier, printer and memory. The interface allows the user to request first information from a first database. The identifier allocates, records and associates, in response to the user's request at the interface, an identifier for first ... 12/29/05 - 20050289053 - Method and system for distributing payments through an online kiosk This invention relates generally to the distribution of payments, e.g., discounts, credits and/or debits, in a computer network environment. More specifically, the invention is directed to the distribution of payments, e.g., discounts, credits and/or debits, to a number of participants in a given transaction. Such participants include retail establishments, customers, ... 12/29/05 - 20050289052 - System and method for secure telephone and computer transactions A secure electronic payment system and method for conducting a secure transaction using authentication is provided. A merchant's computer transmits an authorization request to an access control server. The access control obtains authentication to confirm the identity of the purchaser, via e.g., an electronic form or interactive voice response system. ... 12/29/05 - 20050289051 - Construction payment management system and method System and method for managing a construction payment process. One method embodying the invention can include allowing a participant to receive a payment associated with a project by accessing registration information. A method can include generating a real-time notification of a draw. Another method can include generating an automated invoice ... 12/29/05 - 20050289050 - Automated marketplace presentation and purchasing service for a data computing device One embodiment of the invention relates to a method for establishing network connectivity by a data computing device in order to download and store a catalog. The catalog includes information identifying consumables available for purchase within a marketplace. The storage of the catalog within memory of the data computing device ... 12/29/05 - 20050289049 - Insurance for a security A method for insuring a security comprises the steps of obtaining a security and purchasing an insurance policy for insuring against a change in the value of the security. A system for insuring a security is also disclosed. ... 12/22/05 - 20050283437 - Methods and systems for discounts management An embodiment of the invention is directed to a computer implemented business method in an electronic system in which payment information is exchanged between a buyer and a seller. Approval is received from the buyer of an electronic invoice received by the buyer. At a time when no agreed upon ... 12/22/05 - 20050283436 - Point of sale purchase system Credit underwriting for a financial transaction is automatically commenced and concluded by the initiative of a customer. The customer initiates the financial transaction by interfacing to a merchant application. This interface may include a point of sale terminal, a card reader, a kiosk or the like. Customer-pertinent information and financial ... 12/15/05 - 20050278252 - Method for balance sheet adjustment with financial investment capabilities A PLAN and SPECIAL PLAN are disclosed which are business methods for allowing a business to include in its financial statement an asset to counterbalance the liability that is reported on the financial statement that reflects the unused vacation payments, unused sick benefit payments, future pension payments and the like ... 12/08/05 - 20050273429 - Managing an investment vehicle A method for managing an investment vehicle. The investment vehicle issues multiple debt instruments to a plurality of investors. The debt instruments have different liability characteristics. The proceeds of the debt instruments are invested in assets. From time to time, liabilities on the debt instruments and the credit quality of ... 12/08/05 - 20050273428 - System and method for redirecting charges A system and method are provided for enabling charge redirection for use of a service offered through a local platform, the local platform including a logon module having a charge redirection option selectable by a local platform user. The system includes a logon dialog module for corresponding with the local ... 12/01/05 - 20050267842 - Direct payment with token According to the invention, a method for transferring funds from a payor to one or more payees using a wide area network when the transfer information is incomplete at some point is disclosed. In one step, initial transfer information for a transfer of funds from the payor to the payee ... 12/01/05 - 20050267841 - Electronic recording and communication of information A method of recording and managing information is provided. The method comprises the steps of: (a) writing the information on a product that is dedicated to at least one predefined service, using a pen, the service being defined by a set of predetermined processing instructions to be executed on the ... 11/24/05 - 20050262019 - Methods, systems and computer program products for performing customer account updates A method for performing customer account updates. The method includes receiving a customer account from a user and transmitting account update options to the user. An update transaction is received from the user, where the update transaction corresponds to the customer account and to two or more of the account ... 11/24/05 - 20050262018 - Business method for internet advertising The applicant has presented a business method to improve advertising return incorporating paying referral fees directly to customers and gathering information on tendencies to increase target resolution of ads. ... 11/10/05 - 20050251478 - Investment and method for hedging operational risk associated with business events of another An investment and a method for hedging operational risk associated with another's business events is disclosed. In particular, the method includes a seller receiving consideration from a buyer and, in return for the consideration, making a payment to the buyer upon the occurrence of a predetermined event. The event payment ... 11/10/05 - 20050251477 - On-line billing system and method of the same An on-line billing system and method capable of integrating the electronic billing and payment process, comprises the steps of: forwarding the file of check sheet details to HUBWEB interface, generating the file of check sheet, issuing statement of account, inquiring/deleting/printing the corresponding statement of account/inquiry invoice, restoring statement of account ... 11/10/05 - 20050251476 - Swine genetics business system A swine genetics business method using digital data communication provides for swine genetics customers deferring until after use of swine genetics embodiments all or a substantial portion of payments for that use. ... 11/03/05 - 20050246276 - Method for disbursing account payable A method for disbursing account payables includes at least the following steps: first, users enter intended sifting payable expenditure conditions in an account payable system; then the account payable system sifts and selects payable expenditures conforming to the payable expenditure conditions; then users select intended disbursing payable expenditures from the ... 11/03/05 - 20050246275 - Real-time fbo management method & system An apparatus, system and method is disclosed that solves the needs in the art by providing an apparatus, method and system to accomplish transactions between aircraft customers (buyers) and FBO office (seller) to be sold, paid, billed and accounted in real-time, both remotely at the aircraft location on the airport ... 11/03/05 - 20050246274 - Methods and systems for managing and approving legal expenses A method for tracking and approving legal expenses incurred by a business entity using a legal budgeting system is provided. The business entity is engaged in the business of providing financial services to a plurality of customers. The method includes creating within the legal budgeting system a legal matter reflecting ... 11/03/05 - 20050246273 - Method of providing a buyer/seller website A method of providing online sales of properties by owners is disclosed. The method includes placing an advertisement for a property; providing a secure log in for a seller of property; providing a secure log in for a buyer of property; providing a database of properties for sale by the ... 11/03/05 - 20050246272 - System, computer program product and method for managing bills issued from application service providers A method, system and computer program product for managing bills issued from applications service providers (ASPs). The method on which the system and computer readable medium are based includes receiving an ASP service request from a remote user, forwarding the ASP service request to an ASP, receiving a service bill ... 10/27/05 - 20050240526 - Automated financial service system An automated financial service system including a client device configured to obtain bill payment information for a bill payment, wherein bill payment information includes user identification, merchant identification information, account information, and an amount paid, a transaction center operatively connected to the client device configured to receive the bill payment ... 10/27/05 - 20050240525 - System and method for product attribute comparison Product attribute comparison after a product is purchased is provided. In an embodiment, relevant product attribute(s) (e.g., product purchase price) are received from a purchase receipt, which are compared against the current value of the attribute offered by the seller, wherein if a desirable attribute change has occurred (e.g., the ... 10/27/05 - 20050240524 - Method and apparatus for account payable matching for an online purchasing system Systems and methods are provided for an online purchasing system. In one embodiment, the online system includes business logic for approving a purchase requisition having a plurality of itemized goods and service and requiring approval by a plurality of authorized approvers on a line item by line item basis. An ... 10/27/05 - 20050240523 - Method of remotely filling a prescription for a patient A method of remotely filling a prescription for a patient is disclosed which comprises the steps of: (a) receiving a patient's prescription for a drug, medicine, or other treatment (100); (b) performing at least one drug utilization review based on the prescription (102); (c) filling the prescription (104); (d) providing ... 10/27/05 - 20050240522 - System and method for conducting secure payment transaction In a secure electronic payment system, authentication data based on a payment account (e.g., a credit card account) is sent from an authentication server, through a user's Web browser, to a merchant's computer. The merchant's computer sends the authentication data to a computer operated by the issuer of the payment ... 10/20/05 - 20050234821 - Methods for creating, issuing, managing and redeeming annuity-based retirement funding instruments A method for administering an annuity-based retirement funding in which an investor's funds or current income is used to make incremental purchases of immediate annuity benefits at market rates, with the annuity payments received from previous purchases being applied purchase additional annuity benefits. The investor allocates a first allocated portion ... 10/20/05 - 20050234820 - System and method for bill pay with credit card funding An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any ... 10/20/05 - 20050234819 - Account transfer process instructing method and apparatus An account transfer process instructing system uses payment request information issued from a payment request institution device that performs payment requests to the user to thereby process authentication of the person in question. When a payment instruction is made by the user, the account transfer process instructing system executes transfer ... 10/20/05 - 20050234818 - Automated on-demand online media manufacturing and fulfillment system A system and method for automated on-demand manufacturing and fulfillment of products such as media. A server receives an order for a product and requests payment for the order without human intervention. A manufacturing subsystem manufactures the media without human intervention. A shipping preparation subsystem places the product into a ... 10/20/05 - 20050234817 - Methods and systems for private label transaction processing In one embodiment, a first information packet is received at a payment network from a merchant, which includes a financial transaction cost and a private label card account identifier presented by the customer as a payment for the financial transaction. The private label card is a form of payment accepted ... 10/13/05 - 20050228751 - Propagating data to facilitate electronic payments to payees Payments on behalf of a plurality of payors to a plurality of payees are facilitated using respective first data associated with each payor and respective second data associated with each of those payees payable by crediting via electronic funds transfer (EFT), such as by ACH transfer. The respective first data ... 10/13/05 - 20050228750 - Method and system for facilitating merchant-initiated online payments A method and system for facilitating merchant-initiated online payments are disclosed. According to one aspect of the present invention, a payment service provider's server receives a user's request, via a merchant's server, to establish a merchant-initiated payment relationship or agreement. Accordingly, the payment service provider presents the user with options ... 10/06/05 - 20050222955 - Billing process and system in a telecommunication network 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 to establishing this connection from statistical characteristics of previous connections of the user. Preferably, the usage fees are determined ... 10/06/05 - 20050222954 - Multi-factor algorithm for facilitating electronic payments to payees The payment service provider receives a request to make a payment to a payee on behalf of the payor, via a wide area network. The payment service provider first determines whether or not first payee identity information for the payee to be paid pursuant to the received request, which is ... 10/06/05 - 20050222953 - Accessing information on a network using an extended network universal resource locator To facilitate access to information on a network, an extended network universal resource locator is generated. The generated extended network universal resource locator has (i) a network address, such as an Internet URL, at which stored information, such as detailed bill information, can be accessed on a network, (ii) identity ... 10/06/05 - 20050222952 - System and method for real-time account validation for an on-line payment system An on-online payment system with real-time account validation is provided. The present invention provides consumers to ability to enroll in the payment system, to add payees, and to manage payees (including editing and deletion of payees). Consumers may also view payment histories, and make new payments (either one time or ... 10/06/05 - 20050222951 - Systems and methods of targeting savings Systems and methods of targeting savings deposits are provided that enable a depositor, such as a customer of a financial institution, to save money for various purposes or goals. A financial institution can make offers for targeting savings deposits to its customers using a financial statement that the financial institution ... 10/06/05 - 20050222950 - Consideration payment management method and server, consideration payment management progeam and computer-readable recording medium, and consideration payment management medium and consideration payment recording medium The invention proposes a counter value payment managing method and a server therefore, which relieves a payer from shouldering the payment of counter values. Further, the invention proposes a value payment managing program, a computer-readable recording medium, a value payment managing medium, and a value payment recording medium. The method ... 10/06/05 - 20050222949 - Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which each client have an extended function SIM card containing payment utility and regular bank card identification information. A mobil pay center (4) is connecting to the client and the service provider (2) ... 10/06/05 - 20050222948 - Relay terminal, base station, charging server, communication system, charging method, program computer data signal, and storage medium In a relay terminal A for relaying packet communication between a destination terminal C located outside a service area of a base station Z, and the base station Z, a contribution to relaying is measured and the measurement result is transmitted to a billing server SA configured to store an ... 09/29/05 - 20050216404 - System and method of aggregating multiple transactions over network-based electronic payment transaction processing system A system and method of aggregating multiple transactions over a network-based electronic payment transaction processing system is provided. The system includes a transport-aggregating clear-text Internet transaction (TACIT) server designed to allow conventional electronic payment transaction processing systems to work over networks which rely on the Internet Protocol, and to still ... 09/29/05 - 20050216403 - System and method for billing augmentation System and method for providing augmented billing services. Where a billing system cannot keep pace with new services being marketed and the specialized pricing associated with such new services, a system and method are provided that generate a billing augmentation messages that are sent to the billing entity and that ... 09/29/05 - 20050216402 - Method and system for associating a collateral agreement with a receivable Embodiments of the present invention relate to software for automatically forming links between a collateral agreement and receivable secured by the collateral agreement. ... 09/29/05 - 20050216401 - Method of and system for accounting and billing for royalty payments and the like due vendors for customer downloading of digital recorded media having embedded descriptive digital code watermaking, such as music records, movies, software products and t A technique for using the ISP, currently the consumer gateway for access to the Internet, also as a virtual “tollbooth” through which vendor-proprietary recorded media, such as music, movies, software, etc., each provided with embedded digital code identification, are passed to the subscribing consumer for downloading usage, with the ISP ... 09/22/05 - 20050209965 - Notification of the availability of electronic bills To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify information identifying unregistered persons having billing information stored in the first data store, is stored in a second data ... 09/22/05 - 20050209964 - Method of providing secure payment and transaction reconciliation A method of paying a merchant for a claim service provided to a claimant. The method including the steps of receiving a request from a merchant for a payment associated with a claim, generating a claim identifier, generating a payment number having a predetermined limit amount and a predetermined expiration ... 09/15/05 - 20050203845 - Contribution processing device and method, contribution accepting device and method, program storage media, and contribution processing system The present invention realizes that a contribution is indirectly made to a content creator in the form of contribution data via a management server of an ASP in such a manner that contribution data equivalent to a given amount corresponding to a contribution button selected-on a content display screen is ... 09/15/05 - 20050203844 - Method and system for network transaction management A system for transacting in a network includes a service broker connected to the network, having access to necessary credentials, a service provider connected to the network, requiring credentials for transacting in regard to a client, and a client station connected to the network. A client using the client station ... 09/15/05 - 20050203843 - Internet debit system A PIN based Internet debit system and method is provided. The system and method allow for the transmission of an eCommerce Internet transaction with a debit card or ATM card and the cardholders existing PIN. In addition, the system and method allow for secure and encrypted transmission of such PIN ... 09/15/05 - 20050203842 - Method and system for processing electronic payment transactions Systems and methods are provided for processing transactions, and more specifically for receiving, processing and transmitting electronic payment transaction information. The system and method accesses a transaction software engine that effectuates the authorization of electroni |