Bill Distribution Or Payment Patents (Class 705/40)
  • Publication number: 20150149351
    Abstract: A transaction setting information storage part stores an upstream trader from whom an intermediary trader purchases a product identified by a product ID. A price storage part stores a first sales price and a second sales price. An order management part receives, from a downstream trader to whom the intermediary trader sells the product, an order of the product to the intermediary trader together with input of the product ID, a downstream trader ID of the downstream trader, and an order quantity of the product. A slip issuance processing part issues an order slip from the downstream trader to the intermediary trader, and issues an order slip from the intermediary trader to the upstream trader on the basis of the order quantity received by the order management part and the first sales price.
    Type: Application
    Filed: January 27, 2015
    Publication date: May 28, 2015
    Inventor: Yoshimitsu KAGIWADA
  • Publication number: 20150149349
    Abstract: A method and system of processing a sale of an article, a virtual article, a service or a functionality such as a game is described. A code is generated by a server. A charge request is transmitted to an account server to charge an account of a user for a value of the code. The code is transmitted to a user device. The code is then processed by redeeming the code, wherein redemption of the code includes receiving the code from a user device and in response allowing access to the user device to the article, virtual article, a service or a functionality.
    Type: Application
    Filed: November 26, 2013
    Publication date: May 28, 2015
    Applicant: BOKU. INC.
    Inventor: Adam Lee
  • Publication number: 20150142649
    Abstract: A system for transmission, reception and accumulation of the knowledge packets to plurality of channel nodes in the network operating distributedly in a peer to peer environment via installable one or more role active Human Operating System (HOS) applications in a digital devise of each of channel node, a network controller registering and providing desired HOS applications and multiple developers developing advance communication and knowledge management applications and each of subscribers exploiting the said network resources by leveraging and augmenting taxonomically and ontologically classified knowledge classes expressed via plurality search macros and UKID structures facilitating said expert human agents for knowledge invocation and support services and service providers providing information services in the preidentified taxonomical classes, wherein each of channel nodes communicating with the unknown via domain specific supernodes each facilitating social networking and relationships development leadi
    Type: Application
    Filed: January 23, 2015
    Publication date: May 21, 2015
    Inventor: Yogesh Chunilal RATHOD
  • Publication number: 20150142648
    Abstract: The invention solves present problems of insufficient flexibility and convenience and inefficiency in processing of corporate bill businesses, and provides a corporate bill self-service system with functions of blank bill selling and temporary bill storage, and the technical solution thereof can be summarized as follows: the corporate bill self-service system with functions of blank bill selling and temporary bill storage consists of a business self-service center platform and at least a front-end corporate bill self-service terminal which are connected with each other; the corporate bill business self-service centre platform is used for providing entry of system basic platform building information, data storage, equipment monitoring, optical character recognition (OCR), interface with an external system and system data inquiry statistics management; and the front-end corporate bill self-service terminal is used for storing corporate bills, recovering invalidated corporate bills, achieving interaction with us
    Type: Application
    Filed: August 22, 2012
    Publication date: May 21, 2015
    Applicant: CHENGDU SANTAI ELECTRONIC INDUSTRY CO., LTD.
    Inventors: Jian Bu, An Luo, Shaochuan Feng, Huifang Yang, Mingyuan Luo, Xiaoling Wang, Xiaobo Li, Wanbin Xie
  • Publication number: 20150142647
    Abstract: A self-service financial transaction device may include a processor and a non-transitory memory communicatively coupled to the processor. The non-transitory memory may be configured to store instructions that, when executed, may cause the processor to request access to a liability account associated with a customer of the financial institution. Upon receiving access to the liability account, the instructions may cause the processor to receive information about a payment received at the self-service financial transaction device that may be applied, at least in part, toward an outstanding balance of the liability account. The processor may then communicate information about the received payment to the financial institution, where the payment may be applied towards an outstanding balance of the liability account.
    Type: Application
    Filed: January 30, 2014
    Publication date: May 21, 2015
    Applicant: Bank of America Corporation
    Inventors: Tyler R. Johnson, Therese H. Willis
  • Publication number: 20150142646
    Abstract: A system is provided that automatically optimizes a configurable invoice matching engine. The system receives a set of historical invoice matching data that includes invoices classified by the invoice matching engine and resolution actions initiated by the invoice matching engine. The system further calculates a current overall cost associated with the invoice matching engine initiating resolution actions based on current invoice matching tolerance parameters, current invoice matching action parameters, fixed factor parameters, and historical factor parameters. The system further calculates alternate overall costs associated with the invoice matching engine initiating resolution actions based on alternate invoice matching tolerance parameters. The system further determines optimal invoice matching tolerance parameters based on comparing the current overall cost with the alternate overall costs.
    Type: Application
    Filed: November 19, 2013
    Publication date: May 21, 2015
    Applicant: Oracle International Corporation
    Inventors: Chad Jeffrey TIMM, Erick Miles ROWE, Gerald Joseph HANSON, Jurgen Riley SCHROEDER
  • Patent number: 9038129
    Abstract: Techniques for facilitating the exchange of information and transactions between two entities associated with two wireless devices when the devices are in close proximity to each other. A first device uses a first short range wireless capability to detect an identifier transmitted from a second device in proximity, ideally using existing radio capabilities such as Bluetooth (IEEE802.15.1-2002) or Wi-Fi (IEEE802.11). The detected identifier, being associated with the device, is also associated with an entity. Rather than directly exchanging application data flow between the two devices using the short range wireless capability, a second wireless capability allows for one or more of the devices to communicate with a central server via the internet, and perform the exchange of application data flow. By using a central server to draw on stored information and content associated with the entities the server can broker the exchange of information between the entities and the devices.
    Type: Grant
    Filed: January 18, 2013
    Date of Patent: May 19, 2015
    Assignee: Proxicom Wireless, LLC
    Inventors: James Arthur Proctor, Jr., James Arthur Proctor, III
  • Publication number: 20150134516
    Abstract: A system for fundraising, the system comprising: an invoicing module operable to generate an invoice, the invoice comprising an amount payable for one or more goods and/or services, and a further amount for a fund; and a payment processing module operable to received payment for the invoice, and to deposit an amount corresponding to the further amount into an account.
    Type: Application
    Filed: May 3, 2013
    Publication date: May 14, 2015
    Inventor: Elizabeth Lankester
  • Publication number: 20150134517
    Abstract: An automatic bill pay system and method for electronically facilitating payment of consumer bills from any form of income can include receiving enrollment information from a consumer, and using the enrollment information, obtaining information related to a consumer bill. The information can include an amount due for the consumer bill. The method can also include transmitting a payment reminder for the consumer bill alerting the consumer that the bill will be paid unless action is taken and receiving a payment authorization for the consumer bill from the consumer. Further, the method can include transmitting a request to a consumer account provider for the consumer to segregate the amount due from the consumer's paycheck, and then, paying the amount due on behalf of the consumer by the bill pay system.
    Type: Application
    Filed: August 14, 2014
    Publication date: May 14, 2015
    Inventor: Brian Cosgray
  • Publication number: 20150134515
    Abstract: An example method for electronic payment of consumer bills can include receiving enrollment information from a consumer, and using the enrollment information, obtaining information related to a consumer bill. The information can include an amount due for the consumer bill. The method can also include transmitting a payment reminder for the consumer bill to the consumer, and receiving a payment authorization for the consumer bill from the consumer. Further, the method can include transmitting a request to an employer or payroll processor for the consumer to withhold the amount due from the consumer's paycheck, and then, paying the amount due on behalf of the consumer.
    Type: Application
    Filed: November 8, 2013
    Publication date: May 14, 2015
    Inventor: Brian Cosgray
  • Patent number: 9031611
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Grant
    Filed: October 12, 2012
    Date of Patent: May 12, 2015
    Inventor: Michelle Fisher
  • Patent number: 9030153
    Abstract: A method for delivering energy to an electric vehicle includes coupling the electric vehicle to an energy delivery point, delivering energy to the electric vehicle, determining a parking cost, and determining transaction costs based on at least one of an amount of energy delivered to the electric vehicle and the parking cost.
    Type: Grant
    Filed: December 22, 2008
    Date of Patent: May 12, 2015
    Assignee: General Electric Company
    Inventor: Nathan Bowman Littrell
  • Patent number: 9031874
    Abstract: A system is provided for increasing the probability of timely receiving payment under an agreement between a consumer and a non-utility entity for providing financing for renewable energy consumer premises equipment (CPE) by the consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid or to the consumer's premises, the system comprising: a computer for monitoring consumer financial information for by the non-utility entity to detect the consumer's financing default in accordance with the agreement, wherein the renewable energy CPE including a PV array and a control device coupled to the PV array for controlling the operation of the PV array and any power generated by the CPE upon a default detected by the computer.
    Type: Grant
    Filed: March 23, 2010
    Date of Patent: May 12, 2015
    Assignee: Clean Power Finance, Inc.
    Inventor: Gary Kremen
  • Patent number: 9031903
    Abstract: An approach is provided for metrics data collection for business transactions. An online activity (e.g., Application Programming Interface (API) call) associated with a business flow is identified. It is determined whether the online activity is a part of a transaction, wherein the transaction is defined according to a business rule. Status of the transaction is updated if the online activity is a part of the transaction.
    Type: Grant
    Filed: July 31, 2006
    Date of Patent: May 12, 2015
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Ruowen Rong, Lingrong Chen, Gang Fu
  • Publication number: 20150127532
    Abstract: A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.
    Type: Application
    Filed: October 16, 2014
    Publication date: May 7, 2015
    Applicant: Boku, Inc.
    Inventors: Daniel Steif, Kurt Davis, Katherine Corner Holden, Samantha Elena Nebrich
  • Publication number: 20150127531
    Abstract: A system of billing for subscription products and services from multiple vendors across multiple layers of buyers and sellers is presented. Each subscription is charged according to a rate plan, which may include volume, tiered, or usage-based pricing. In billing for subscriptions, sellers may use a single standard rate plan for each product, or may use a variety of rate plans depending on the type of customer, time period, or other attributes. The rate plans stored in the system are dynamic, such that a seller can instantly modify an existing rate plan in order to create a new rate plan.
    Type: Application
    Filed: February 12, 2014
    Publication date: May 7, 2015
    Applicant: PAX8, INC.
    Inventors: Klaus J. Dimmler, Michael Carl Driscoll, JR., Ryan Walsh
  • Publication number: 20150120537
    Abstract: A system and method for facilitating loans for consumers, wherein a payments account and a loans account for a user are linked together. Both the payments account and the loans account have a balance, wherein the balance of the payments account can be used to withdraw funds, pay bills, etc., and the balance of the loans account keeps a record of all money owed to a lender. Money can be deposited into the payments account through a personal bank account, an intermediary service account, a funding account, or from a reload source. Loans can be paid off through a lenders account, wherein a loan payment value is transferred from the balance of the payments account to the balance of the lenders account. The payments account is operated in a foreign banking infrastructure, while the lenders account can either be in a foreign or domestic banking infrastructure.
    Type: Application
    Filed: October 27, 2014
    Publication date: April 30, 2015
    Inventors: Russell Chacon, LeRoy Harold Pint
  • Publication number: 20150120518
    Abstract: A a method includes authenticating one or more customers of each of multiple billers based on information received from each customer and identifying one or more accounts of each customer. The identified accounts of each customer are provided by the biller for the customer. The method includes enabling each authenticated customer to interact with (i) a biller system associated with the biller for the customer, the biller system providing a first type of service for the identified accounts of the customer, and (ii) a payment system associated with the multiple billers, the payment system providing a second type of service for the identified accounts of the customer.
    Type: Application
    Filed: October 31, 2013
    Publication date: April 30, 2015
    Inventors: Robert Bennett, Robert Lapides, John Morabito, Kelton Averyt, Antonio Cordova
  • Patent number: 9020852
    Abstract: Systems and methods are provided for an appliance system. The system includes an appliance, and a processor connected to the appliance such that the processor places the appliance in one of an enabled state and a disabled state. The processor is configured to track usage of the appliance and to place the appliance in a disabled state when the usage of the appliance exceeds a threshold amount. The system also includes a data receiving device configured to receive a code, wherein upon receipt of a valid code, the processor is configured to adjust the threshold amount to allow additional usage of the appliance.
    Type: Grant
    Filed: January 14, 2013
    Date of Patent: April 28, 2015
    Assignee: D.Light Design, Inc.
    Inventor: Douglas Ricket
  • Patent number: 9020836
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: April 28, 2015
    Inventors: Michelle Fisher, Rathin Guha
  • Patent number: 9020850
    Abstract: An embodiment of the present invention is directed to receiving a first independent log from a first trading partner wherein the first independent log comprises at least one request log entry associated with a transaction wherein the request log entry comprises at least a request identifier; receiving a second independent log from a second trading partner wherein the second independent log comprises at least one reply log entry associated with the transaction between the first trading partner and the second trading partner, wherein the reply log entry comprises at least a reply identifier; matching the at least one request log entry and the at least one reply log entry based on one or more of the request identifier and the reply identifier at a third party interface; identifying non-matching log entries at the third party interface; and forwarding the non-matching log entries.
    Type: Grant
    Filed: October 22, 2012
    Date of Patent: April 28, 2015
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Milton M. Anderson
  • Patent number: 9020826
    Abstract: A direct connectivity system provides automated healthcare administrative transaction submission, including claim submission, eligibility verification and claim status, from healthcare service providers directly to payers. The direct connectivity system bypasses transaction processing intermediaries such as clearinghouses by directly connecting providers to payers in a many to many manner. Existing single payer web portals are supplanted by a many to many network that has a common interface across multiple payers. The direct connectivity system may receive responses directly from payers and may prepare or process the responses for a practice management program so that the service provider receives rapid feedback on the administrative transaction submission. The direct connectivity system may automatically analyze transaction file attributes to determine one or more of many payers to which to send a transaction file, from one of many providers.
    Type: Grant
    Filed: June 27, 2005
    Date of Patent: April 28, 2015
    Assignee: Accenture Global Services Limited
    Inventors: William F. Marvin, Christopher D. Seib
  • Patent number: 9015074
    Abstract: A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument, communicating the dollar amount to a debit agent residing on a network processing and communication device, receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution, receiving at the debit agent a financial-institution user-identifier from the user, communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution, participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the dialogue including a request to transfer funds from the selected non-integrated financial institution, and transferring, with the debit agent, the funds from the s
    Type: Grant
    Filed: September 10, 2012
    Date of Patent: April 21, 2015
    Assignee: Mazooma Technical Services, Inc.
    Inventors: Qun Chen, Kenneth James Emerson, Edward Vincent O'Meara
  • Patent number: 9015063
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Grant
    Filed: October 12, 2012
    Date of Patent: April 21, 2015
    Inventor: Michelle Fisher
  • Publication number: 20150106261
    Abstract: A computer-implemented process operating on a server comprises: receiving user information into server memory; receiving a deposit notification into server memory; sending a pickup notification from the server to a service provider; receiving a deposit notification from a locker control device; sending a completion notification from the server to a user identified by the user information; receiving a removal notification; and billing the user identified by the user information for a service provided by the service provider.
    Type: Application
    Filed: August 31, 2013
    Publication date: April 16, 2015
    Inventors: Arthur Shmulevsky, Georgios Lentzas
  • Publication number: 20150106262
    Abstract: Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.
    Type: Application
    Filed: December 18, 2014
    Publication date: April 16, 2015
    Applicant: CheckFree Services Corporation
    Inventors: Peter Knight, Ravi Ganesan, Matt Lewis, Donald Kenneth Hobday, JR., Hans Daniel Dreyer
  • Patent number: 9009493
    Abstract: Using cryptographic techniques, sensitive data is protected against disclosure in the event of a compromise of a content delivery network (CDN) edge infrastructure. These techniques obviate storage and/or transfer of such sensitive data, even with respect to payment transactions that are being authorized or otherwise enabled from CDN edge servers.
    Type: Grant
    Filed: August 2, 2014
    Date of Patent: April 14, 2015
    Assignee: Akamai Technologies, Inc.
    Inventor: F. Thomson Leighton
  • Patent number: 9009679
    Abstract: Embodiments of the invention include a method for setting snapshots in code. The method may occur during the debug of code and may include determining whether to place a snapshot instruction immediately before a machine instruction within a module. The determination may include analyzing parameters associated with the machine instruction.
    Type: Grant
    Filed: June 28, 2012
    Date of Patent: April 14, 2015
    Assignee: International Business Machines Corporation
    Inventors: Cary L. Bates, Kendrick Wong
  • Patent number: 9004355
    Abstract: A method and system for allowing the setting of reservations and the pre-authorization of credit to purchase a desired service for which a reservation is made. A customer accesses a reservation system that is integrated with a credit authorization system. The customer may make a reservation and substantially simultaneously become pre-authorized to pay for services to be provided at the reservation by one of any number of credit providers. Pre-authorized credit and reservation information is then supplied to the service provider in advance of services being provided, expediting the overall transaction time and allowing for a secure and cardless transaction procedure. The reservation and preauthorization information are typically stored upon the reservation system and then passed to the point-of-sale systems, but other types of input/output storage devices could be used to perform this function.
    Type: Grant
    Filed: November 11, 2009
    Date of Patent: April 14, 2015
    Assignee: Cardfree Inc
    Inventor: Jeffrey Bart Katz
  • Publication number: 20150100481
    Abstract: Access is obtained to a database of transactions in an electronic bill payment system connecting a plurality of customers with a plurality of billers. At least some of the billers are payment card issuers. A subset of records in the database, associated with a subset of the customers in a region of interest, is identified. In the subset of records, transactions that are payments to the billers that are payment card issuers are identified. Within the transactions that are payments to the billers that are payment card issuers, a proportional amount attributable to each of a plurality of brands of payment card products is determined. The proportional amount is made available for computation.
    Type: Application
    Filed: October 8, 2013
    Publication date: April 9, 2015
    Applicant: Mastercard International Incorporated
    Inventors: Debashis Ghosh, Randy Shuken
  • Publication number: 20150100482
    Abstract: In an example embodiment, a group of local trusted devices is formed based, at least in part, on locations of a plurality of devices. Then a payment tree is presented in a user interface of a first device in the group of local trusted devices, the payment tree including a graphical representation of relationships between devices in the group and permitting selection, by a user of the first device, of one or more devices in the group to share in paying a bill received from a device outside the group. A bill may then be generated from the first device to each selected device in the payment tree, the bill indicating a payment amount reflecting a portion of the bill received from the device outside the group.
    Type: Application
    Filed: October 9, 2013
    Publication date: April 9, 2015
    Applicant: eBay Inc.
    Inventors: Kamal Zamer, Nikhil Vijay Thaker, Jayasree Mekala, Praveen Nuthulapati, Jeremiah Joseph Akin
  • Publication number: 20150100483
    Abstract: Provided is a method and system for processing information, including receiving, by an electronic circuit of a mobile communication device, a information notification for a customer by a short message service (SMS) message, the information notification including an online information URL personalized to uniquely identify the customer. Next, the online information URL is extracted from the SMS, and a mobile-optimized web page is accessed using the online information URL. A customer's online information form is then received and completed by the customer, then forwarded to a secure payment form server.
    Type: Application
    Filed: June 9, 2014
    Publication date: April 9, 2015
    Inventor: Douglas Schoenberg
  • Publication number: 20150100395
    Abstract: A method and apparatus for providing a mobile service with the use of a code pattern is disclosed In one embodiment, the method comprising: taking a photograph of a code pattern image, decoding the photographed code pattern image so as to obtain code information, extracting uniform resource locator (URL) information corresponding to the code information, transmitting a content information request message to a service provider server corresponding to the URL information, and receiving content information corresponding to the URL information from the service provider server. According to embodiments of the present invention, it is possible to provide various and convenient mobile services to mobile terminal users using a mobile terminal, having a camera, and a code pattern containing the URL information.
    Type: Application
    Filed: December 12, 2014
    Publication date: April 9, 2015
    Inventors: Jae-Jun Lee, Young-Jun Shin
  • Patent number: 9002719
    Abstract: Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing.
    Type: Grant
    Filed: October 8, 2012
    Date of Patent: April 7, 2015
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Nathan Lee Tofte
  • Patent number: 8998708
    Abstract: A transaction facilitation system is disclosed that is configured to affect substantially real-time crediting and debiting of a gaming accounts maintained within a gaming environment and structured to communicate by a private restricted communication link with an issuing financial institution of a stored value account to effect real-time crediting and debiting of the stored value account. Financial transactions using the stored value account can be and used customer relationship purposes.
    Type: Grant
    Filed: March 28, 2014
    Date of Patent: April 7, 2015
    Assignee: Sightline Interactive LLC
    Inventors: Kirk E. Sanford, Thomas M. Sears, Omer Sattar
  • Publication number: 20150095221
    Abstract: Systems and methods for activating electronic bill presentment are provided. Payment history information associated with one or more payments made on behalf of a payor to a biller may be identified. Additionally, at least one biller-specified condition associated with automatic activation of the electronic presentment of bills of the biller for the payor may be identified. Based at least in part upon an analysis of the payment history information, a determination may be made that the at least one biller-specified condition has been satisfied, and the automatic activation of the electronic presentment of bills of biller for the payor may be facilitated.
    Type: Application
    Filed: December 5, 2014
    Publication date: April 2, 2015
    Inventors: Ralph D. Au, Lori Irene Stepp, Todd Alan Weiss
  • Publication number: 20150095190
    Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.
    Type: Application
    Filed: October 1, 2014
    Publication date: April 2, 2015
    Inventors: Ayman Hammad, Julian Hua, Robert Rutherford
  • Publication number: 20150088734
    Abstract: A wireless meter reading system and method are provided to facilitate billing a consumer for utility usage. The method comprises providing a camera or imaging device optionally coupled to a utility meter at a consumer site. The camera or imaging device operates to provide one or more wireless meter reading images of the utility meter from time to time. The one or more wireless meter reading images comprise utility usage data and identifying data of the utility meter. The one or more wireless meter reading images are transmitted to the utility provider. The utility consumer receives from the utility provider a billing statement for utility usage at the consumer site for a defined time period. The billing statement is based on the one or more wireless meter reading images transmitted to the utility provider.
    Type: Application
    Filed: September 20, 2013
    Publication date: March 26, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Mary Lesbirel, Misha Ghosh
  • Publication number: 20150081536
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Application
    Filed: June 6, 2014
    Publication date: March 19, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
  • Publication number: 20150081535
    Abstract: A system for providing a predetermined set of functionality to primary applications is provided. The system includes a primary application interface that receives a user identifier, primary application configuration data and an application identifier associated with one of the primary applications from a plurality of primary applications, wherein the user identifier and the application identifier for each of the primary applications are different. A feature functionality system alters one or more features to match the primary application, the feature functionality system configured to provide a feature to a user associated with the user identifier and to transfer a primary application currency amount to the primary application or to award the user a prize upon completion of the feature by the user. A billing system interface unlocks external feature functionality for a certain number of interactions or a certain time period or generates the primary application currency amount.
    Type: Application
    Filed: September 13, 2013
    Publication date: March 19, 2015
    Inventors: Ilya Nikolayev, Georgi Darakev, Andrew P. Merkatz
  • Publication number: 20150081534
    Abstract: There is provided systems and methods for automatic completion of online payment forms and recurring payments. The methods include determining if a user is engaged in a financial transaction, requesting permission to use a payment provider to complete the financial transaction, and completing the financial transaction using the payment provider if permission is granted, wherein the payment provider provides user information to complete the financial transaction.
    Type: Application
    Filed: September 13, 2013
    Publication date: March 19, 2015
    Inventor: Kamal Zamer
  • Publication number: 20150081537
    Abstract: A dropped payment file is obtained at a computing device of an operator of an electronic funds transfer bill payment system from a client of such system. The dropped payment file includes data associated with at least one unsuccessful attempt to match payment data to a corresponding biller. The data in the dropped payment file is cleaned to create an updated dropped payment file. Matching logic is applied to the updated dropped payment file to identify at least one recommended biller to which the payment data should likely have been routed to. The client is advised of the at least one recommended biller.
    Type: Application
    Filed: August 29, 2014
    Publication date: March 19, 2015
    Inventor: Amy C. Milam
  • Patent number: 8983867
    Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.
    Type: Grant
    Filed: March 6, 2014
    Date of Patent: March 17, 2015
    Assignee: Credibility Corp.
    Inventors: Jeffrey M. Stibel, Wisdom Lu, Aaron B. Stibel, Judith G. Hackett, Moujan Kazerani
  • Patent number: 8977568
    Abstract: Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an anonymous payment for a specified value from a host. In response, the host may transmit to the provider a code that is available for redemption. The provider may then relay the code to a recipient, who may redeem the code from the host. In other aspects, a recipient may request a temporary identifier (special code) from a host. The recipient may relay the temporary identifier to a provider, who may in turn transmit a payment, via the host, using the temporary identifier. The recipient may then claim the payment from the host. In additional aspects, the codes of the anonymous payments may include expiration times and/or restrictions on a number of uses of the code.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: March 10, 2015
    Assignee: Amazon Technologies, Inc.
    Inventors: Paul C. Schattauer, Derek Edward Wegner, Diwakar Gupta, Chih-Jen Huang, Philip Yuen
  • Publication number: 20150066754
    Abstract: Provided is a method and system for a payment service. A payment service method embodied in a computer to provide a payment service may include registering and maintaining a product in a product database for each service, with respect to a plurality of services, creating billing information of a requested product in response to a call of an application program interface (API) of a service for which a product purchase is requested from a user, using the product database, and providing the billing information to a market associated with the user. Here, a payment according to the product purchase may be processed at the market based on the billing information.
    Type: Application
    Filed: August 21, 2014
    Publication date: March 5, 2015
    Inventors: Seong Bong HONG, Hyun Gu KIM, Jin Woong LEE
  • Publication number: 20150066753
    Abstract: Systems and methods for facilitating bill payment and presentment are provided using bill pay codes generated by a biller and validated by a bill presentment and payment system. A mobile service provider enables consumers having pre-paid mobile telephone accounts to employ embodiments of the systems and methods.
    Type: Application
    Filed: August 30, 2013
    Publication date: March 5, 2015
    Inventors: Gidget A. Hall, Jill B. Bugh, Joanne G. Middendorf, Tadepally Venkata Seshadri, Vijay Agicha, Amit Jain, Thomas Kuncheria, Donovan Yong, Pauline Ow
  • Publication number: 20150066752
    Abstract: Various embodiments provide an online returns management system for facilitating a carrier acquiring a credit amount due for transporting to a supplier one or more items. The system comprises one or more computer processors configured to: assign a tracking identifier to at least one return request, the tracking identifier being associated further with existing order data and being configured for tracking shipment of the one or more items; generate an electronic shipping label configured for use by at least one carrier to facilitate transport of the one or more items to the supplier. The computer processors are further configured to determine a transit status for the one or more items based upon received tracking data; and in response to delivery of the one or more items, generate one or more notifications of a credit amount due the carrier. Associated methods and computer program products are also provided.
    Type: Application
    Filed: August 30, 2013
    Publication date: March 5, 2015
    Applicant: UNITED PARCEL SERVICE OF AMERICA, INC.
    Inventor: Jeffery Steven Phillips
  • Publication number: 20150066747
    Abstract: A method and system are provided for managing the cost and quality of international patent applications over the life cycle of such applications. The method and system have various process circuitries that generate instructions for administrative and technical tasks and generate communications between a controlling agent and both an administrative patent agent and a technical agent.
    Type: Application
    Filed: February 22, 2013
    Publication date: March 5, 2015
    Inventor: Thomas F. Quinn, JR.
  • Publication number: 20150066756
    Abstract: Systems and methods for person-to-person and person-to-merchant remittances from a person having a closed loop system account to merchants who are not members of the closed loop system. In an embodiment, a payment gateway computer receives a remittance transaction request from a payment services provider (PSP) computer associated with a closed-loop system, maps an alias identifier into a shadow account number assigned to the sender in an open-loop payment authorization system, determines that the alias identifier mapped into a valid shadow account number, debits a stored value account for the remittance transaction amount, credits a shadow account in the open-loop payment authorization system for the remittance transaction amount, generates an authorization request for an open-loop payment transaction and transmits it to the open-loop payment authorization system, receives an authorization response from the open-loop payment authorization system, and transmits an approval response.
    Type: Application
    Filed: November 7, 2014
    Publication date: March 5, 2015
    Inventors: Patrick Killian, Sandeep Malhotra
  • Publication number: 20150066755
    Abstract: An economic value exchange and invoice resolution system is described that includes: at least one sales invoice, wherein each sales invoice comprises a credit value, at least one purchase invoice, wherein each purchase invoice comprises a debit value, at least one database or repository stored on a medium for executing the executable code that collects the information for the at least one sales invoice and the at least one purchase invoice.
    Type: Application
    Filed: August 31, 2014
    Publication date: March 5, 2015
    Inventor: Samer ElBizri