Abstract: A distributed system that includes a merchant application, a buyer application and a seller or drummer application. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Abstract: A distributed system that includes a merchant application, a buyer application and a seller or drummer application. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Abstract: A method and system are described for promoting sales offers through a dynamic, on-demand sales force. Merchants may generate and publish promotional offers (“deals”) that include commissions. A salesperson (“drummer”) may select a deal for promotion to potential buyers. A unique QR code associating the selected deal with the drummer is created. The QR code may be shared by the drummer with an interested buyer for the goods or services associated with the deal. To redeem the deal, the buyer presents the shared QR code to the merchant. The merchant, in turn, applies the deal terms to a purchase transaction and, based on the QR code, a commission is debited from a merchant account and credited to a drummer account. Certain embodiments leverage presentment triggers to alert the drummer to previously selected deals which may be relevant and timely for presentment to a buyer.

Abstract: A distributed system that includes a merchant application, a buyer application, a seller or drummer application and defines the compensation structure for each deal. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Abstract: A distributed system that includes a merchant application, a buyer application and a seller or drummer application. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Abstract: A method and system are described for managing sales promotions and transaction settlements. An exemplary method comprises establishing a merchant account and establishing a drummer account, generating a promotional offer content (e.g., a “deal”) in association with the merchant account, associating one or more presentment triggers with the promotional offer content, and publishing the promotional offer content such that it is associated with the drummer account. The exemplary method further comprises receiving indication of a selection of the published promotional offer content, generating a unique ID that associates the selected promotional offer content with the drummer account, and transmitting the unique ID to the drummer device. The exemplary method further comprises recognizing activation a presentment trigger and sending an alert to a drummer device.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.

Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: A method, apparatus, and computer readable storage to enable fast transfers of funds from a sender to a receiver even though they have bank accounts at different banks A proxy is used that has an account at the receiver's bank so that the proxy can request an intrabank transfer to the receiver which would typically be quicker than an interbank transfer. An intermediary is a party that organizes a set of transfers related to the transaction. The proxy can be paid a payment for serving as the proxy by the intermediary, the intermediary also receiving a transfer of funds from the sender.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.

Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Abstract: Methods for providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.