Abstract: An electronic online system is configured to access a set of scheduled payments; determine a set of payees from the set of scheduled payments, the set of scheduled payments to be made using a non-electronic payment mode; access a set of billers; calculate a set of redirection billers based on a match of payees from the set of payees with billers from the set of billers, wherein billers in the set of redirection billers support electronic payment modes; and schedule electronic payments for the set of redirection billers using the set of electronic payment processors.

Abstract: A method for performing payment transactions includes obtaining payor or payee information for a social media payment transaction and using the payor or payee information in a funds payment transaction on another system. Other systems, apparatuses, and methods are also described.

Abstract: A method for performing payment transactions includes obtaining payor or payee information for a social media payment transaction and using the payor or payee information in a funds payment transaction on another system. Other systems, apparatuses, and methods are also described.

Abstract: An apparatus for providing perceptible cueing signals to an expectant mother to which she may synchronize her breathing for the purpose of easing delivery includes an oscillator of selectable frequency and duty cycle which drives physiologically perceptible transducers. In the preferred embodiment, the transducers are two different colored lamps, one of which is illuminated to cue inhalation and the other to cue exhalation. The apparatus includes a manual start/stop switch depressed by the expectant mother at the beginning and end, respectively, of a contraction period to initiate and terminate the periodic display of inhalation and exhalation lamps. The apparatus includes an elapsed time indicator initiated by a stop signal and halted by a start signal which measures and displays the time interval between contractions.