Abstract: A universal funding card and the delayed assignment of a funding instrument for a financial transaction are described herein. In one embodiment, a system for facilitating a financial transaction comprises a communications interface; a database storing data regarding a user and a plurality of funding instruments associated with that user; and a payment processing system configured to receive a request for payment authorization from a merchant via the communications interface, to authorize payment to the merchant prior to selection of a funding instrument, and after authorizing payment to the merchant, receive instructions regarding a funding instrument to debit for the payment.

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: 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: 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: 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: A method and a system for arranging for micropayment of transaction amounts related to micro-transactions transacted by a user are provided. In example embodiments, the method may include analyzing transaction conditions (e.g., availability of a stored value, a valid bank account, an Automated Clearing House (ACH) funding, a credit card account, or a transaction risk assessment result, associated with the user, and monetary value of the micro-transaction) and selecting a micropayment option for charging the transaction amount from a group of micropayment options, based on the transaction condition. The method may also include automatically applying the selected micropayment option for charging the transaction amount. According to example embodiments, the system may include a transaction analysis module and a payment processor.

Abstract: One embodiment provides a system of distributing digital content from a first party to a second party over a network. The system includes an interface to receive by the second party from the first party a digital content package including a digital content and its header. The header provides Digital Rights Management (DRM) information and payment information for the digital content. The system also includes a payment module to receive a payment from the second party based on the received payment information. The system further includes an authorization module, after receiving the payment, to allow the second party to play the digital content under restrictions described in the received DRM. In some embodiments, the system may also include a preview module to allow the second party to preview the digital content for a predetermined number of times or for a predetermined length of time.

Abstract: A method and a system dynamically generates an advertisement based on one or more tokens distilled from information about a web session that requested a web page. For example, a token is distilled from information about a web session. Data is retrieved from a commerce database based on the token. The retrieved data is assembled into an advertisement, which is then supplied for rendering with the web page.

Abstract: A computer-implemented method and apparatus for processing on-line donations is disclosed. An example embodiment includes elements to generate a donation badge for display on a web page; link the donation badge with an account on a payment site; receive a donation from a donor via the donation badge; and credit the donation to the account linked to the donation badge.

Abstract: In one example embodiment, a system and method is shown that includes receiving financial data generated by a widget residing on a web page, the financial data including at least one of donation, or purchase data. The system and method may further include transmitting a display update to update the widget, the updating based upon the financial data. Some example embodiments may include, selecting a widget using an input device to generate data including at least one of donation or purchase data. Moreover, the system and method may include transmitting the at least one of donation or purchase data. Further, the system and method may include storing the at least one of donation or purchase data to a cookie.

Abstract: The present invention provides a method of managing group finances via an electronic network. Transaction details are received from a member of group via an electronic network. The transaction details preferably include a shared expense containing an expense amount and at least one group member responsible for the expense. The transaction details are then assigned to the group and a payment specified-by the-transaction-details is allocated-among-group members-of-the-group. The method is repeated for a plurality of transactions. The finances of the group may also be balanced using accounting mathematics. Furthermore, an original expense value may be rounded up to a new expense value having a predefined number of decimal places, and a difference distributed between the new expense value and the original expense value to a third party.

Abstract: Some embodiments may provide a method comprising receiving, from a remote machine, entity-identifying data and form identifying data, the form identifying data to identify a sequence of one or more electronic forms, the sequence including a target electronic form having a form element, determining an entity identifier, based on the entity-identifying data, accessing, from a data store, an entity attribute value based on the entity identifier, and transmitting, to the remote machine, form-filling instructions operable to cause a machine to automatically associate an entity attribute value with the form element.

Abstract: The present invention provides a method of managing group finances via an electronic network. Transaction details are received from a member of group via an electronic network. The transaction details preferably include a shared expense containing an expense amount and at least one group member responsible for the expense. The transaction details are then assigned to the group and a payment specified by the transaction details is allocated among group members of the group. The method is repeated for a plurality of transactions. The finances of the group may also be balanced using accounting mathematics. Furthermore, an original expense value may be rounded up to a new expense value having a predefined number of decimal places, and a difference distributed between the new expense value and the original expense value to a third party.

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 method and apparatus for maintaining liked accounts for participants of network-based marketplaces are described. In one embodiment, a master account is maintained for a master account holder, and one or more sub-accounts linked to the master account are maintained for one or more sub-account holders. The sub-accounts are funded using at least one funding source of the master account.

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: A system and method to associate a gift certificate with an email address is useful to permit on-line merchants to provide gift certificates that may be trusted while remaining used to customers. A gift certificate is purchased on-line and associated with a recipient's e-mail address provided by the gift certificate purchaser. An e-mail message containing confirm information used to authenticate the identity of the recipient is subsequently provided. This e-mail message may be sent when the gift certificate is purchased. This e-mail message may also be sent when a printed gift certificate is redeemed. The recipient of the gift certificate returns this confirmation information to complete the authentication process of the recipient's e-mail address. All subsequent activity of related to the use of the gift certificate may be authenticated using the e-mail address once confirmed.