Abstract: A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.

Abstract: A method for using promotional programs and merchant values is disclosed. In one example, the method includes receiving an authorization request message including a merchant verification value through a payment processing network, where the authorization request message is associated with a purchase by a consumer. A merchant-specific promotional program is then determined using the merchant verification value, and the merchant specific promotional program is performed. For example, the promotional program can be a sweepstakes and the task may be determining of the consumer is an instant winner.

Abstract: A method for using promotional programs and merchant values is disclosed. In one example, the method includes receiving an authorization request message including a merchant verification value through a payment processing network, where the authorization request message is associated with a purchase by a consumer. A merchant-specific promotional program is then determined using the merchant verification value, and the merchant specific promotional program is performed. For example, the promotional program can be a sweepstakes and the task may be determining of the consumer is an instant winner.

Abstract: Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number.

Abstract: Techniques for processing of recurring payments are provided that allow a consumer to decide whether to update consumer account information at a merchant when a consumer is issued new account information for a payment card or the like. For example, a consumer may register with a payment processing network associated with the consumer's payment card. During registration, the consumer may indicate the payment card number and expiration date, the name of merchants that the consumer pays on a recurring basis using the payment card and the corresponding merchant website addresses, in what form the consumer would like to receive alerts (e.g. text message, email), and when to receive alerts (e.g. a particular number of days prior to the expiration date). The payment processing network sends the consumer an alert message based on the preferences indicated during registration, including the names and website links for each merchant indicated during registration.

Abstract: Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number.

Abstract: Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.

Abstract: A stacked energy storage device (ESD) has at least two conductive substrates arranged in a stack. Each cell segment may have a first electrode unit having a first active material electrode, a second electrode unit having a second active material electrode, and an electrolyte layer between the active material electrodes. Each active material electrode may have a plurality of folded sections and planar sections to increase the ESD capacity, for example, by increasing number of interfaces within each cell segment.

Abstract: A stacked energy storage device (ESD) has at least two cell segments arranged in a stack. Each cell segment may have a first electrode unit having a first active material electrode, a second electrode unit having a second active material electrode, and an electrolyte layer between the active material electrodes. Variable volume containment may be used to control the inter-electrode spacing within each cell segment. In some embodiments, one or more dynamic flexible gaskets may be included in each cell segment to seal the electrolyte within the cell segment and to deform in preferred directions. In some embodiments, hard stops may set the inter-electrode spacing of the ESD.

Abstract: The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.

Abstract: System for conducting a financial transaction with a single financial presentation device linked to multiple financial accounts stores financial account information of multiple financial accounts associated with the presentation device, and a set of predetermined rules for determining which of the financial accounts is to be used to conduct a financial transaction. A linked-account processing program receives an authorization request for the financial transaction which has been initiated at a merchant's computer using the presentation device. The program determines whether the presentation device is associated with multiple financial accounts, and if so, selects one account among the multiple linked financial accounts based on the predetermined set of rules, and routes the authorization request to an issuer of the selected financial account.

Abstract: A system and method for processing push transactions. A payor may initiate a transaction without input from the payee. A system can determine who the payee is from partial information provided by the payor, and direct the transaction to the proper party.

Abstract: A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.

Abstract: A system and method for processing transactions. A unique transaction identifier is generated for each transaction. Processing of the transaction utilizes the unique transaction identifier.

Abstract: The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.

Abstract: Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.

Abstract: A method for using promotional programs and merchant values is disclosed. In one example, the method includes receiving an authorization request message including a merchant verification value through a payment processing network, where the authorization request message is associated with a purchase by a consumer. A merchant-specific promotional program is then determined using the merchant verification value, and the merchant specific promotional program is performed. For example, the promotional program can be a sweepstakes and the task may be determining of the consumer is an instant winner.

Abstract: A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

Abstract: A method for determining healthcare insurance coverage eligibility is disclosed. The method includes receiving patient information at a terminal operated by a healthcare provider. An eligibility authorization request message is created, and is sent to an acquirer processor, where the acquirer processor sends the eligibility authorization request message to a transaction processing system, which routes the eligibility authorization request message to a healthcare processor. A response message is then received.

Abstract: 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 then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.