Abstract: The present invention is directed to a services system using Internet Protocol (“IP”), integrating applications, and enabling participants of the services system to collaborate, and build, provision, and manage payment (commerce) services. The services network enables multiple transactions contained within a single transaction message to be processed by multiple participants within in the service system. Commerce business rules govern how individual transactions with a multi-transaction message are processed by participants in the service system.

Abstract: The present invention is directed to a services network integrating a system and method for subsidizing payment transaction costs through online advertising. Participants in the service network may subsidize the payment transaction costs of end-users through the activation of other services by the end-user in the service network.

Abstract: An IP payments platform and methods for implementing a services network using Internet Protocol (“IP”) for integrating applications enabling users to build, collaborate, provision, and manage payments directed at specific customer segments, transaction sockets, and devices. for providing a managed service set of core capabilities and communication interfaces. Multiple IP payments platforms may be interconnected through peered connections to form a payment services network. Users and participants may connect with the payment services network over common IP interfaces. Methods are provided for the creation, management and provisioning of services within the payment services network, as well as the collaboration of the participants and end-users.