Abstract: In one embodiment, a system and method is illustrated as including generating a model using at least one of a global conduct score and attribute data. A range of numeric values may be retrieved, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction. A comparison may be made between the model and the range of numeric values. Further, a better term may be granted in the transaction where the model falls within the range of numeric values. The global conduct score is computed using an approach including at least one of a feed score approach, and a composite score approach. The attribute data includes page view data, click through data, account usage data, and good purchased data. The model includes a global conduct score model, a weighting model, an AI based model, and an associated network based model.

Abstract: A method and system for facilitating online payments are disclosed. According to one aspect of the present invention, a payment agreement is established at a payment service provider that defines terms of a payment relationship between a merchant and a user. The establishing of the payment agreement includes linking the payment agreement with a payment account of the merchant or user stored at the payment service provider. After establishing the payment agreement, a payment request associated with a transaction is received, whereby the payment request includes a unique identifier to identify the payment agreement stored at the payment service provider. Based on a verification that the payment request complies with terms of the payment agreement, the payment request is processed.

Abstract: A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable transaction records comprising transaction information associated with a plurality of user-merchant transactions, wherein the transaction information is provided by merchant server(s) and is captured and passed by one or more users to the system in response to a determination performed at a respective client device of the user(s) that a webpage comprises transaction information such that an address of the webpage matches an address in a transaction webpage database; one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to provide: a transaction record processing application configured to store the captured transaction information in the searchable machine-readable transaction records associated with

Abstract: Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In accordance with an embodiment of the disclosure, a method of processing transaction information comprises receiving a webpage at a client device, wherein the webpage has an associated webpage address. The method also includes comparing the webpage address with a transaction webpage database. If the webpage address matches an address of the transaction webpage database, the method includes: capturing at least a portion of the webpage corresponding to transaction information associated with a user-merchant transaction, and passing the transaction information over a network in order to facilitate storage of the transaction information in a transaction record.

Abstract: A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.

Abstract: In one embodiment, a system and method is illustrated as including generating a model using at least one of a global conduct score and attribute data. A range of numeric values may be retrieved, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction. A comparison may be made between the model and the range of numeric values. Further, a better term may be granted in the transaction where the model falls within the range of numeric values. The global conduct score is computed using an approach including at least one of a feed score approach, and a composite score approach. The attribute data includes page view data, click through data, account usage data, and good purchased data. The model includes a global conduct score model, a weighting model, an AI based model, and an associated network based model.

Abstract: 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 to customize the terms of the merchant-initiated payment agreement. After the agreement has been established and the terms customized, the merchant server communicates a merchant-initiated payment request to the pavement service provider for a transaction entered into with the user. The payment service provider's server processes the payment request after verifying that processing the payment does not exceed the user-customized terms of the agreement.

Abstract: Various methods and systems are disclosed to provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.

Abstract: A system and method for conducting a gift value transaction is described herein. The method includes receiving a request for payment for a gift, wherein the request includes buyer-imposed conditions on use of the gift; notifying a gift recipient of the gift; and tracking the gift recipient's account balances at the different merchants with the buyer-imposed conditions.

Abstract: A system and method for conducting a gift value transaction is described herein. The method includes receiving a request for payment for a gift; notifying a gift recipient of the gift; prompting the gift recipient to accept or reject the gift; and receiving a response from the gift recipient, wherein if the response is to accept the gift, the gift is released to the gift recipient, and if the response is to reject the gift, prompting the gift recipient to select an alternative gift in place of the gift.

Abstract: Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In accordance with an embodiment of the disclosure, a method of processing transaction information comprises receiving a webpage at a client device, wherein the webpage has an associated webpage address. The method also includes comparing the webpage address with a transaction webpage database. If the webpage address matches an address of the transaction webpage database, the method includes: capturing at least a portion of the webpage corresponding to transaction information associated with a user-merchant transaction, and passing the transaction information over a network in order to facilitate storage of the transaction information in a transaction record.

Abstract: Various methods and systems provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.

Abstract: Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In one example, such transaction records may be aggregated by the payment service provider to permit a user to search the records. In another example, such transaction records may be associated with user-selectable links to permit users to reorder previously purchased items referenced by the transaction records. In yet another example, such transaction records may be associated with warranty information to permit users to conveniently view warranty details associated with previously purchased items. In a further example, a client device may be implemented to determine whether a webpage includes transaction information associated with a user-merchant transaction.

Abstract: Various methods, apparatus, and systems are disclosed for improved micropayment arrangements that allow for versatile and efficient micropayments aggregation and distribution of funds. In accordance with one embodiment, a method of aggregating micropayments includes registering a plurality of seller accounts, each including content to be sold, and associating the content with a micropayment aggregation method, including pre-paid aggregation, post-paid aggregation, and time-delayed aggregation. The method further includes then charging a buyer account for purchases of content based on different micropayment aggregation methods associated with the content.

Abstract: Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction and the received details identify a list of individuals to be remunerated and an amount of the remuneration to be allocated to each of the individuals on the list. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration.

Abstract: A charity badge may be set up for a web site of a publisher. The publisher may indicate a charity organization that the publisher wants to support. The charity badge may not be visible until an event occurs. The event may be a disaster event.

Abstract: Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration.

Abstract: A system and method for identification verification over a network is described herein. In one embodiment, the system for identification verification over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface an image of an individual from a merchant system, verify the image received from the merchant system by comparing the image received with a known good image of the individual, and indicated one of positive identification or negative identification back to the merchant system.

Abstract: A printer driver may be used to pass transaction information to a remote location for storage. Such transaction information may pertain, for example, to online transactions performed by a user in relation to various online merchants. Such transactions, for example, may also be facilitated by a payment service provider. In one example, a method of processing transaction information includes receiving transaction information at a client device. The transaction information is associated with a user-merchant transaction. The method also includes receiving a user-initiated selection of a printer driver. The method further includes, in response to the selection, passing the transaction information to a remote location to store the transaction information in a transaction record maintained at the remote location. The passing is performed by software implemented in the printer driver. Related methods, devices, and systems are also disclosed.

Abstract: A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.