Abstract: In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet experience is disclosed. The experience aids to resolve conflicts between numerous payment vehicles and, particularly, financial institution-specific programs or sub-experiences on a mobile device. The mobile wallet experience permits a user to freely navigate various payment vehicles and, importantly, navigate efficiently through a plurality of financial institution sub-experiences.

Abstract: Systems and method for managing a construction payment process. An input is received from a first participant and one of a plurality of stored notification workflows is accessed from a memory based on the information received from the first participant. Each stored notification workflow defines a sequence of automatic electronic notifications that are transmitted from the application server to one or more participants in the construction project in response to one or more predetermined events. Based on the accessed notification workflow, a second participant is identified and a first notification is automatically transmitted to the second participant. A response to the first notification is received from the second participant through an electronic form. The content of the response is automatically processed and a second notification is transmitted to a third participant based on the accessed notification workflow.

Abstract: Some embodiments include a system for measuring electricity. Other embodiments of related systems and methods are also disclosed.

Abstract: Systems and method for managing a construction payment process. When instructions are executed by a processor, an application server determines a date on which a draw is to occur for a construction project and generates a notification. The notification includes an indication of the date on which the draw will occur and an invitation to initiate a request for payment to be included in the draw. The application server then determines a plurality of participants associated with the construction project to be included in the draw and transmits the notification to the determined plurality of participants. The application server initiates the draw on the determined date and at least one participant of the determined plurality of participants receives a payment in the draw.

Abstract: Various embodiments are disclosed for a services policy communication system and method. In some embodiments, an intermediate networking device acts as a service intermediary or intermediate connection between a network and one or more communications devices; implements a service policy set for assisting control of the intermediate networking device use of a service set on the network, the service policy set including one or more service policies associated with the intermediate networking device or one or more communications devices connected to the intermediate networking device, the service set being one or more network services used by the intermediate networking device or one or more communications devices; and monitors use of the service set based on the first service policy set, in which the implementation of the service policy set is verified.

Abstract: Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user's Bill Pay account, which is associated to the user's financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer's financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees.

Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider.

Abstract: A system is disclosed for charging or billing for access to wireless power. The device requiring power communicates with the power provider and the billing method is determined. A consumer may be required to provide billing information, or if the billing information is already associated with an existing account, the consumer account is automatically charged for the wireless power. The account may include prepaid charging minutes that are debited as wireless power is provided, or the account may be billed for the wireless power that is provided. The charging/billing for the wireless power may be used to receive value for the power that is provided, while remaining consumer friendly.

Abstract: The present invention provides methods and systems for pricing financial transactions by defining product rules, providing links to appropriate price tables, and calculating a price for a financial transaction. A data processing system in accordance with one embodiment of the present invention, creates a product rule corresponding to a financial transaction. The product rule contains mandatory attributes and optional attributes. Optional attributes may be looked up using identifiers constructed from said mandatory attributes. Optional attributes include a link to a price table which contains further attributes, including a pricing method. A price is then calculated in accordance with the pricing method. Billing is completed according to the billing method for the particular financial transaction.

Abstract: Systems and method for managing a construction payment process. When instructions are executed by a processor, an application server electronically generates a first request for payment on behalf of a first participant in a construction project in response to information received from the first participant. The first request for payment is transmitted to a second participant and a second request for payment is electronically generated on behalf of the second participant based at least in part on the first request for payment. The second request for payment is then transmitted to a payment source. A first payment is initiated from the payment source to the first participant based on the first request for payment. A second payment is initiated from the payment source to the second participant based on the second request for payment.

Abstract: A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.

Abstract: An on-line content distribution system comprises a number of user terminals operable to enable a user to generate a request for a media file and associate the request with status data indicative of either a first status or a second status. An account database responds to receipt of a request from a user terminal to update account data, based on status data associated with the request. A content database stores media files and is configured to transmit data corresponding to the media file identified in a request by a user. The transmitted data may be formatted to inhibit the utilization of the transmitted media file more than a predetermined number of times without updating the account database. If the download request includes certain status data, it may permit utilization of the transmitted media file more than a predetermined number of times without updating the account database.

Abstract: According to some embodiments, a central controller receives a selection signal. If the selection signal indicates acceptance of any installment plan, use of the accepted installment plan for the financial account is authorized. Thereafter, bills may be generated that reflect installment charges to be paid.

Abstract: A system and method for vehicle rental management generates and displays a park identification (ID) number configurable to change periodically. The method further receives a first message containing a vehicle ID number of a vehicle from a mobile phone, sends a unlock code for unlocking the vehicle to the mobile phone. The method receives a second message containing the vehicle ID number and a park ID number from the mobile phone, and sends a lock signal to the second communication module to lock the vehicle. The method receives a feedback signal for confirming that the vehicle is locked, and times between the send the unlock code step and the receive the feedback signal step.

Abstract: Embodiments of the invention described herein use micropayments to make the payment for electrical consumption used to charge an EV. In one aspect, a mobile device such as a cellular telephone (“cell phone”) is used to make the payments. In one aspect, a method of payment for charges associated with charging an electric vehicle is described. This embodiment of a method comprises receiving electrical consumption information related to charging an electric vehicle at a charging station. The electrical consumption information is associated with a mobile device number. The electrical consumption information is authenticated. The cost for the authenticated electrical consumption information is included on an invoice for mobile device usage associated with the mobile device number.

Abstract: An image processing system includes an image processing device executing a job and a billing server performing billing process in response to execution of the job connected through a network. The billing server includes: a remaining amount management part for managing a remaining amount of each user's available funds; and a savings amount transmission part for determining a savings amount in the image processing device based on a user's available funds and sending the determined savings amount to the image processing device. The image processing device includes: a savings amount storage part for storing therein the savings amount in accordance with the user; a job execution part for executing a job with an instruction by the user; and a billing processing part for performing billing process to charge to the user in response to execution of the job.

Abstract: A direct debit authority management system facilitates bill payments involving a customer, a bank or financial body, and multiple billers who each bill the customer. A customer service module enables a customer to create or modify direct debit authorities for the billers. A customer registration process is facilitated by the interface to capture information for multiple billers and to establish a direct debit authority for each biller before a bill is rendered by the respective biller. A repository stores customer direct debit authorities for multiple billers, storing customer information following the customer registration process and storing biller information following the biller registration process. The system links a customer with a biller through the direct debit authority and allows a biller to draw funds from a customer based on the stored direct debit authority.

Abstract: A user receives a unique purchase identifier from a merchant during an offline purchase transaction. The merchant holds the purchase. The user makes an online payment at a later time by entering the purchase identifier through a payment provider, who retrieves details of the purchase and processes the payment if the user approves of the payment. The merchant is notified and releases or ships the purchase to the user.

Abstract: Systems and methods for determining the likelihood that a group of transactions may be structured to avoid a limit or reporting requirement, such as a government reporting requirement, are disclosed. The frequency distributions of a customer's transactions for different value ranges are compared to determine whether transactions within a target range occur randomly or at an unexpected level. In another embodiment, the frequency distribution of a customer's transactions is compared to a frequency distribution created by randomly sampling a distribution of similar transactions to determine whether the customer's transactions occur randomly.

Abstract: A system and method for providing market information are disclosed. In this application, updates are received for a tradeable object at a price level from at least one exchange. To the extent that the updates do not include enough details to compute the number of orders resting at a particular price level in a market, estimation may be used to provide order queue information. As a result, the number of orders which are pending in the market at various price levels may be determined using the techniques described herein. The interface disclosed herein may be used to display the number and/or quantity of the orders in the order queue.

Abstract: A transaction processing system for the real time authorization of payment transactions, The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.

Abstract: Methods for resolving invoice obligations are disclosed that include: a) providing at least one sales invoice, wherein each sales invoice comprises a credit value, b) providing at least one purchase invoice, wherein each purchase invoice comprises a debit value, and c) offsetting at least part of the debit value of a purchase invoice with at least part of the credit value of a sales invoice. Methods are also disclosed for resolving invoice obligations that include: a) providing at least one seller having at least one sales invoice, b) providing at least one customer having at least one sales invoice and at least one purchase invoice, wherein at least one of the at least one sales invoice and at least one of the at least one purchase invoice forms an invoice chain; and c) offsetting the at least one sales invoice of the seller with at least one sales invoice of the customer, at least one purchase invoice or a combination thereof.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: The server of a communication system determines a communication growth level that is the level of growth of communication between one user and another user based on the cumulative count of mail send/receive events, and stores the determined growth level in the communication growth level Data Base. When the server receives a profile view request to view the profile of user A from the terminal of user B, the server determines the range of profile information to be opened for user B out of the profile of user A, based on the communication growth level of the pair of user A and user B stored in the communication growth level Data Base.

Abstract: A new method and system for enabling payment via a simplified web link, such as a uniform resource locator, is provided. The human readable web link allowing for easy understanding and interpretation by a customer is generated in response to the receipt of a financial transaction between a customer and a merchant. Responsive to receipt of the generated web link, the system creates a customized customer payment page that only requires entry of credit card or other details by a customer. The submitted financial information is passed to a payment gateway for processing and, responsive to successful transaction, a payment confirmation message is sent to the merchant and customer.

Abstract: Techniques are disclosed for compensating an LED light fixture/light source provider for generation of photons by one or more LED light fixtures used by a customer. In one example, a method comprises receiving a monetary amount as compensation for photons generated by the LED light fixtures/light sources, maintaining a contractual relationship with the customer in exchange for the monetary amount, the contractual relationship including a requirement that the provider pay an electricity supplier for the electricity consumed by the LED light fixtures/light sources, determining, with a meter associated with each respective LED light fixture/light source, the amount of electricity consumed by the LED light fixtures/light sources used by the customer over a period of time, and in response to the determination and on behalf of the customer, submitting payment to the customer's electricity supplier for the electricity consumed by the LED light fixtures/light sources used by the customer.

Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.

Abstract: A method is implementable in an electronic system coupled to an electronic device, which is, in turn, coupled to a display device. A web page displayable on the display device is served to the electronic device. The displayed web page includes a user interface, which, in turn, includes a frame and at least one stile defining a plurality of panes within the frame. In a first one of the panes, at least one field into which a tax-data provider can input tax data is displayed. In a second one of the panes, information of a first type of a plurality of information types operable to assist the provider in performing a first operation of a set of operations using the user interface is displayed. Input tax data is received from the electronic device.

Abstract: Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include providing a financial account offer to a customer. The disclosed systems and methods may also include receiving en acceptance of the offer, providing the financial account, setting an account variable equal to a first account value, and monitoring the financial account. The monitoring may further comprise resetting the account variable equal to a second account value when a number of purchase transactions corresponding to a currently monitored time period are less than a threshold value. Furthermore, the account variable may be reset equal to a third account value when the number of purchase transactions corresponding to the currently monitored time period are greater than or equal to the threshold value and a number of purchase transactions corresponding to the previous time period were less than the threshold value.

Abstract: The present invention provides methods and systems for processing bills electronically. Generally, a bill is created for a customer using billing information and master data from a biller and master data from a customer. Billing information is received from the biller by a first processing module having access to the master data of the biller. The first processing module generates a bill using the billing information and the master data of the biller. A second processing module having access to the master data of the customer provides customer data to the first processing module. The bill is transformed into a format specified in the master data of the customer by the first processing module if the format of the generated bill is not the format specified in the master data of the customer. The generated or transformed bill is transferred to the second processing module by the first processing module.

Abstract: A method for processing payment for a purchase transaction includes enabling the provision of a first payments account to an accountholder and enabling a second payments account of the accountholder to be associated with the first payments account. A limit on the number of times the first payment account can be used for making purchase transactions within a determined time period is established. During a purchase transaction being made by the accountholder using the first account, information indicative of the first account and the purchase transaction is received. It is determined whether the limit on the number of times the first account has been used by the accountholder within the determined time period has been reached. When the limit on the number of times the account can be used in the time period has been reached, the second account of the accountholder is used for the purchase transaction.

Abstract: Systems and methods for integrated management and scheduling of events associated with both physical and digital mail are provided. A print stream processor utilizes recipient preferences to determine that a mail piece should be delivered by physical mail. The server then processes the mail piece print stream to extract time sensitive data such as a payment amount and due date. The server utilizes the identity of the physical mail piece recipient and the time sensitive data to provide a scheduling message to the recipient. Here, the scheduling message includes injecting a calendar entry to a centralized mail management system having an account for the recipient. Additionally, reminder messages are provided to the recipient based upon recipient and/or sender preferences. Similarly, entries relating to physical coupons or other offers sent to the recipient are placed on the recipient's calendar including offer deadline entries.

Abstract: A method and system is provided that allows a banking customer to access their bank account via an online banking interface and manage the order in which transactions are posted against their account in a manner that allows them to minimize or eliminate the occurrence of an overdraft condition. Should the monetary balance within the account fall below zero, creating a potential overdraft condition, the customer is notified that such a zero or negative balance condition exists. The customer, using the user interface, can then access the account to arrange the various posted items in any order they want. Further, the customer is provided with the option of returning items to avoid the overdraft condition entirely.

Abstract: A method and system is provided that allows a banking customer to manage repayment of larger bills by breaking them into a series of smaller more manageable payments that are repaid over a number of payments that are spread over a longer period of time. As bills are presented to the bank account customer, the customer, using the user interface can select one of the bills due for payment and request that they be allowed to break the bill into smaller payments. Once approved the larger bill is broken into a predetermined number of smaller repayments that are then more easily managed by the customer in a manner that eases their cash flow.

Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.

Abstract: The present invention provides techniques for managing, supporting and empowering Independent Agents to offer a method for enabling expert Service Providers to deliver, and charge for, advice to consumers, by connecting two parties in real time in an online chat. The present invention also provides the method and techniques for expert Service Providers, in turn, to provide their service through a multiplicity of Independent Agent channels without the potential for communication device conflict; thereby ensuring successful connections for consumers.

Abstract: The present invention relates to a method and an electronic equipment for a communication system enabling information sharing, wherein desired information contents are transmitted by few user operations. Electronic equipment comprises a information processing means (16) for processing information according to the operation of the user, a detecting means (15) for detecting the information sharing command, an information content determining means (S2) for determining information content to be transmitted by detecting the current user action, a determine S2 recipient determining means (S3) for determining the recipient of said information content; and content to be transmitting means (S5) for transmitting said information content to the determined recipient via transmitted a communication link.

Abstract: Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.

Abstract: Systems and methods for processing a transaction according to one or more embodiments comprise providing a visual representation of a transaction process on a user interface; receiving information about one or more actors and corresponding roles for each actor as part of the transaction from at least a portion of the user interface; receiving transaction information from the visual representation on the user interface; and performing an action for effecting the transaction process.

Abstract: In an embodiment of the invention, a method for wireless power generation for managing power distribution in a wireless environment is provided. The method includes receiving a request from a device to connect to a wireless power distribution base station, authenticating the device, determining a lease period during which time power is to be delivered wirelessly to the device in response to authenticating the device, and delivering power wirelessly from the wireless power distribution base station to the device for the duration of the lease period, but subsequent to the lease period, discontinuing delivery of power wirelessly to the device.

Abstract: Systems and methods for dividing a group bill among users, collecting funds from the users, and paying a third party with the collected funds using a group billing system. Users may have individual accounts associated with the group billing system. The individual accounts may be associated with a prepaid credit or debit card, or other payment vehicle.

Abstract: A method for processing an electronic bill payment using a payment computer system coupled to a database. The payment computer includes an optional credit reporting tool. The method comprises receiving bill data representing a bill for payment directed to a consumer wherein the bill is associated with a biller, receiving payment data submitted on behalf of the consumer in response to the bill, determining that the biller is enrolled in the credit reporting tool wherein the biller selects enrollment in the credit reporting tool, comparing the payment data to the bill data, generating a payment record based on the comparison between the payment data and the bill data, and electronically transmitting the payment record to an appropriate credit bureau.

Abstract: A system and method for secure transfer of a debt payment, according to one or more embodiments, provides for: receiving a request for a billing service from a biller; providing a reference code to the biller in response to the request, in which the reference code uniquely corresponds to a bill code; receiving a reply corresponding to the bill code from a customer via a network-based device in response to the bill code being included in a bill to the customer; and transferring a payment corresponding to the reference code to the biller while keeping selected financial information of the customer secure with respect to the biller.

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: A special purpose entity offers a financial product linked to a charitable organization. A monetary donation is made to the charitable organization for paying a premium assigned to the financial product. Capital payments are received from one or more investors for the financial product. The premium is paid by the special purpose entity to the investors. Upon occurrence of a catastrophic event assigned to the financial product, the capital is paid from the special purpose entity to the charitable organization, for funding relief efforts for the catastrophic event. Otherwise, the capital is repaid from the special purpose entity to the investors. Charities and donors can prepare a country for natural and man-made disasters by putting in place funding before a catastrophic event actually occurs.

Abstract: An embodiment of a method for splitting a bill includes displaying a primary bill that includes a plurality of items on a first payer device. A plurality of inputs are received from the first payer device that assign the plurality of items to a first payer and at least one second payer to generate a first secondary bill and at least one second secondary bill. Each at least one second secondary bill is then sent to a respective second payer device, and payments are sent for the first secondary bill from the first payer device and each at least one secondary bill from the respective second payer device. An image of a physical bill may be taken by the first payer device and optical character recognition may be performed on the image to produce the primary bill that is displayed on the display of a first payer device.

Abstract: A method and system for providing a healthcare expense donation network whereby a third party provided healthcare management system, such as a computing system or on-line implemented healthcare expense tacking and/or payment system provides a service through which a healthcare consumer can create a verified patient need profile indicating a need for help in paying their healthcare expenses and requesting donations to this end. At least part of the healthcare consumer's patient need profile data is verified, as well as any other financial and/or personal data associated with the submitted patient need profile that a potential donor, the patient, and/or the provider of the process for providing a healthcare expense donation network desires to be verified. Once the healthcare patient need profile data is verified, the verified patient need profile is made available to potential donors and the potential donors are provided the ability to securely make donations to the patient's healthcare expenses directly.

Abstract: Systems and methods of the present invention provide for redirecting a user to a book's website after submitting a request for information about the book. The book's website or a link to the website may be displayed to the user on a client browser.

Abstract: A method for making a payment using an image includes receiving an image from a camera. The image is analyzed using a processor. A payee indicator that is included in the image is determined. Payee information from a database is retrieved using the payee indicator. A request to make a payment to a payee is sent over a network using the payee information. Thus, a payer may take an image that includes a payee indicator and the method will use that payee indicator to retrieve payee information that may include a current payment due to the payee and a due date for that payment, and the payer may quickly and easily send a request to make that payment to a payment service provider to ensure that the payment is made to the payee.

Abstract: Methods are provided for collecting fees for managing and optimizing the profitability of a plurality of physicians in a healthcare practice participating in an insurance network. The methods include establishing a relationship between a healthcare consultation group and the healthcare practice participating in the insurance network to increase the physician's profitability by reducing a risk of not receiving a predetermined reimbursement amount for ancillary medical costs from the insurance network. The methods also include distributing predetermined percentages of savings attributed to the physicians' modified ancillary medical cost management behavior.