Abstract: Various methods, apparatus, and systems are disclosed for calculating a fee linked to an online financial transaction, with improved flexibility and availability through caching and refreshing of fee calculation data. In one embodiment, a method includes extracting fee calculation data into a data cache associated with control data that is updated in response to refreshing of the data cache; receiving a fee calculation request linked to an online transaction associated with a fee type, a country code, and a client identifier; and then selecting, by looking up the data cache, a base fee from either a default fee determined by the fee type and the country code or from an overriding fee associated with the client identifier. The method further includes calculating a transaction fee for the online transaction based at least in part on the base fee; and verifying the control data to transmit the calculated transaction fee.

Abstract: Various methods, apparatus, and systems are disclosed for calculating a fee linked to an online financial transaction, with improved flexibility and availability through caching and refreshing of fee calculation data. In one embodiment, a method includes extracting fee calculation data into a data cache associated with a version identifier that is updated in response to refreshing of the data cache; receiving a fee calculation request linked to an online transaction associated with a fee type, a country code, and a client identifier; and then selecting, by looking up the data cache, a base fee from either a default fee determined by the fee type and the country code or from an overriding fee associated with the client identifier. The method further includes calculating a transaction fee for the online transaction based at least in part on the base fee; and verifying the version identifier to transmit the calculated transaction fee.

Abstract: Various methods, apparatus, and systems are disclosed for calculating a fee linked to an online financial transaction. In one embodiment, a method includes receiving a fee calculation request linked to an online financial transaction associated with a fee type, a country code, and a client identifier; and then selecting, using a microprocessor, an initial base fee from either a default base fee determined by the fee type and the country code or from an overriding base fee associated with the financial transaction, wherein the initial base fee includes a transaction percentage and a fixed amount. The method further includes applying, using the microprocessor, at least one adjustment to the initial base fee to calculate a final fee, the at least one adjustment being applied when an associated condition set is determined to be true.

Abstract: Various methods, apparatus, and systems are disclosed for calculating a fee linked to an online financial transaction. In one embodiment, a method includes receiving a fee calculation request linked to an online financial transaction associated with a fee type, a country code, and a client identifier; and then selecting, using a microprocessor, an initial base fee from either a default base fee determined by the fee type and the country code or from an overriding base fee associated with the financial transaction, wherein the initial base fee includes a transaction percentage and a fixed amount. The method further includes applying, using the microprocessor, at least one adjustment to the initial base fee to calculate a final fee, the at least one adjustment being applied when an associated condition set is determined to be true.

Abstract: A computer-based funds transfer service provides functionality for users to send and receive payments via a web-based user interface. In one embodiment, the web-based user interface provides functionality for a first user of the service to generate and submit a payment request for sending money to, or collecting money from, a second user, who may but need not be registered with the service. The first user may specify the second user by supplying an email address of the second user, which may be used by the service to notify the second user of the payment request. The email message sent to the second user may include a URL that can be accessed by the second user to register with the service (if not already registered) and complete the transaction.