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Publication number: 20140279449Abstract: A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants.Type: ApplicationFiled: March 12, 2013Publication date: September 18, 2014Applicant: Ford Global Technologies, LLCInventors: John Matthew Ginder, Yimin Liu, Oleg Yurievitch Gusikhin, Perry Robinson MacNeille, Paul Duncan McCarthy
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Publication number: 20040186808Abstract: A business method and system for encouraging the acquisition of a vehicle that features an offer to make a plurality of periodic payments of at least two types in the event that a predetermined reduction of income event occurs within a predetermined time. One of these payment types is directly related to the acquisition of the vehicle. A second payment type is designed to enhance the financial security of the consumer in combination with the first payment type in a way that will provide substantial value to the consumer and instill positive consumer confidence. In other words, by acquiring a vehicle, such as by purchase or lease, the consumer will be in a more secure financial condition than the consumer would otherwise be if the vehicle were not acquired. For example, the first payment type could be a vehicle loan or lease payment, while the second payment could be a mortgage or rent payment.Type: ApplicationFiled: March 18, 2003Publication date: September 23, 2004Applicant: FORD GLOBAL TECHNOLOGIES, LLC.Inventor: William J. Coughlin
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Publication number: 20020198828Abstract: In one embodiment, an electronic bill presentment and payment system consistent with the invention comprises at least one biller system and at least one payor system in communication with a payment processing system. The payment processing system comprises a database including global information relating to the biller system and the payor system, and an application server for storing at least one modular business object containing specified instructions to govern financial transactions between the biller system and the payor system based on the global information. The application server permits replacement of a business object with another modular business object containing other specified instructions using the same global information.Type: ApplicationFiled: April 3, 2001Publication date: December 26, 2002Applicant: Bottomline Technologies, Inc.Inventors: Keith Ludwig, David Armand Bennett, Gregory Ernest Park
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Publication number: 20030167229Abstract: In one embodiment, an electronic bill presentment and payment system consistent with the invention comprises at least one biller system and at least one payor system in communication with a payment processing system. The payment processing system comprises a database including global information relating to the biller system and the payor system, and an application server for storing at least one modular business object containing specified instructions to govern financial transactions between the biller system and the payor system based on the global information. The application server permits replacement of a business object with another modular business object containing other specified instructions using the same global information.Type: ApplicationFiled: April 3, 2001Publication date: September 4, 2003Applicant: Bottomline Technologies, Inc.Inventors: Keith Ludwig, David Armand Bennett, Gregory Ernest Park
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Publication number: 20020198829Abstract: In one embodiment, an electronic bill presentment and payment system consistent with the invention comprises at least one biller system and at least one payor system in communication with a payment processing system. The payment processing system comprises a database including global information relating to the biller system and the payor system, and an application server for storing at least one modular business object containing specified instructions to govern financial transactions between the biller system and the payor system based on the global information. The application server permits replacement of a business object with another modular business object containing other specified instructions using the same global information.Type: ApplicationFiled: April 3, 2001Publication date: December 26, 2002Applicant: Bottomline Technologies, Inc.Inventors: Keith Ludwig, David Armand Bennett, Gregory Ernest Park
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Patent number: 11861615Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.Type: GrantFiled: February 26, 2023Date of Patent: January 2, 2024Inventor: Eugenia Roxanne Miller
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Patent number: 11861616Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.Type: GrantFiled: February 26, 2023Date of Patent: January 2, 2024Inventor: Eugenia Roxanne Miller
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Patent number: 11861614Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.Type: GrantFiled: February 26, 2023Date of Patent: January 2, 2024Inventor: Eugenia Roxanne Miller
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Patent number: 8118218Abstract: Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an emulator therein. The transactions may be conducted over a wired network or a wireless network. A three-tier security model is contemplated to support the security of the transactions from the e-purse. The three-tier security model includes a physical security, an e-purse security and a card manager security, concentrically encapsulating one with another. Security keys (either symmetric or asymmetric) are personalized within the three-tier security model.Type: GrantFiled: September 24, 2006Date of Patent: February 21, 2012Assignees: Rich House Global Technology Ltd., RFCyber Corp.Inventors: Liang Seng Koh, Futong Cho, Hsin Pan, Fuliang Cho
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Patent number: 11763278Abstract: A system, method and apparatus for providing a global service for securely storing deposit instructions is described. The service provides payment processing services with a central location to translate payee information into a revocable d-token that represents the payee deposit instructions. A second service allows qualified banking institutions to convert the d-token into deposit instructions to effectuate a funds transfer.Type: GrantFiled: March 13, 2020Date of Patent: September 19, 2023Assignee: Bottomline Technologies, Inc.Inventor: Jamie Florio