Apparatus, methods and computer programs for metering and accounting for services accessed over a network

AUTOMATED TRANSACTION MACHINE

METHODS AND SYSTEMS FOR MAKING A PAYMENT VIA A STORED VALUE CARD IN A MOBILE ENVIRONMENT

Method and system for mobile banking using a mobile application

Apparatus, methods and computer programs for metering and accounting for services accessed over a network

Processing Payment Transactions Between Enterprise Resource Planning Systems

FINANCIAL TRANSACTION PROCESSING USING A MOBILE COMMUNICATIONS DEVICE

Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce

SECURE NEAR FIELD COMMUNICATION (NFC) TRANSACTIONS WITH AUTHENTICATION

Social License for Interactive Applications and Content

SECURE NEAR FIELD COMMUNICATION TRANSACTIONS WITH AUTHENTICATION

SECURE NFC PAYMENT TRANSACTIONS

Automated transaction machine

Automated transaction machine

Method for transmitting a code

Systems and methods for generation, registration and mobile phone billing of a network-enabled application with one-time opt-in

Expense tracking, electronic ordering, invoice presentment, and payment system and method

MICRO-PAYMENT SYSTEM ARCHITECTURE

Network based ambient services

Methods and systems for providing a secure electronic mailbox

Network based ambient services

Automation of auditing claims

Automation of auditing claims

Open development system for access service providers

Verifiable device assisted service usage billing with integrated accounting, mediation accounting, and multi-account

Verifiable device assisted service usage billing with integrated accounting, mediation accounting, and multi-account

System and method for controlling communication of private information over a network

Device and method for facilitating financial transactions

Transaction processing

MECHANISM FOR FRAUD-RESISTANT CONSUMER TRANSACTIONS

Method and system to accept and settle transaction payments for an unbanked consumer

PROCESSING A PURCHASE TRANSACTION BASED ON DIFFERENT PAYMENT METHODS

Method and apparatus for billing data services

Method and apparatus for distribution of money transfers

Prepaid transaction card activation system and method

System and method for automatically registering a product

Method and apparatus pertaining to metrics-based prioritization of billing exceptions

Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions

INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE

METHOD AND APPARATUS FOR INCREASING CHARITABLE DONATIONS BY PROVIDING INSTANTANEOUS DONOR RECOGNITION

Methods and systems for actively optimizing a credit score and managing/reducing debt

Transaction processing using a global unique identifier

Methods, systems, and computer-readable-mediums for managing rollover usage units of communication services

System and method for facilitating large scale payment transactions

Payment transaction using mobile phone as relay

METHOD AND SYSTEM FOR OPERATING A SOCIAL FUNDING PLATFORM AND FOR INTERACTIVE FUNDRAISING IN A SOCIAL NETWORK ENVIRONMENT

SYSTEM AND METHOD FOR THIRD PARTY APPLICATION SALES AND SERVICES TO WIRELESS DEVICES

Guiding an image-based task execution

METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS

Multi currency exchanges between participants

METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS

Method and system for preparing a transfer document

User interface for tax-return preparation

ONLINE STREAM HONEY POT CAPTURE

On-line payment transactions

LIFE INSURANCE PRODUCTS UNDER A SINGLE APPROVED FORM

Medical payment system

Fabrication and tracking

Document enhancement system and method

SYSTEMS AND METHODS FOR CORRECTION OF INFORMATION IN CARD-NOT-PRESENT ACCOUNT-ON-FILE TRANSACTIONS

Process for linked healthcare and financial transaction initiation

System and method for facilitating large scale payment transactions

System and method for facilitating large scale payment transactions

System and method for competitive pricing and procurement of customized goods and services

Image capture and identification system and process

Point of service transaction management for service facilities

Image capture and identification system and process

Open transaction central billing system

Network systems and methods utilizing mobile devices to enhance consumer experience

Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information

System and method for assigning an initial transaction fee tier to a vendor in a payment system with a variable transaction fee

Processing binary options in future exchange clearing

System and method for facilitating the onboarding of target vendors to an electronic payment system

Location-based services in a femtocell network

Intra-premises content and equipment management in a femtocell network

Method and System for Providing Local Information Over a Network

Identifier-based charge on delivery transaction

Construction payment management system and method with lien waiver exchange features

System and Method for Transferring Funds to Recipients of Electronic Messages

Account permanence

System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms

INTER-NETWORK FINANCIAL SERVICE

Methods and Systems for Inter-Currency Transfers

Method and apparatus for data recipient storage and retrieval of data using a network communication device

Image capture and identification system and process

Method of authorizing automated banking machine use responsive to user data read from data bearing records

System and method for developing an application program for wireless devices

METHOD AND APPARATUS FOR MANAGING TRANSACTIONS

Methods and Systems For Making a Payment Via a Stored Value Card in a Mobile Environment

METHOD AND SYSTEM FOR PAYMENT FUNDING

Method and apparatus for providing order queue information

Methods and systems for automated generation of bills

SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PROCESSING PAYMENTS

Image capture and identification system and process

Method of authorizing automated banking machine use responsive to user data read from data bearing records

Method of authorizing automated banking machine use responsive to user data read from data bearing records

Method and system for processing internet payments using the electronic funds transfer network

Apparatus and method of a distributed capital system

SYSTEMS AND METHODS FOR INTEGRATION OF A MUSIC POD SYSTEM

Metered delivery of wireless power

Method of Delivering Goods and Services Via Media

Proximity purchase ringtones

Multi-variable transaction system and method

FINANCIAL INSTRUMENT TRADING

SYSTEM AND METHOD FOR PAYMENT BY VIRTUAL CREDIT CARD

Simplified orders using words or phrases

System and method for optimized flight planning

System and method of a passphrase account identifier for use in a network environment

Method and system for using reward points to liquidate products

Image capture and identification system and process

Telephone-based commerce system

Method and network element for establishing a IP communications session between mobile communication devices

Search assistant system and method

METHOD FOR MAKING SECURE TRANSACTIONS

Systems and methods for retrieving and modifying data records for rating and billing purposes

Centralized payment method and system for online and offline transactions

Wireless payment method and systems

SYSTEMS AND METHODS FOR TRANSFERRING FUNDS FROM A SENDING ACCOUNT

HEALTHCARE PAYMENT COLLECTION PORTAL APPARATUSES, METHODS AND SYSTEMS

Method and system for processing internet payments using the electronic funds transfer network

Systems and methods to combine transaction terminal location data and social networking check-in

Point of service transaction managaement for service facilities

HEALTHCARE WALLET PAYMENT PROCESSING APPARATUSES, METHODS AND SYSTEMS

Student Specific Information System

Billing support in a media exchange network

Method and apparatus for providing retirement income benefits

Systems and methods for processing benefits

METHOD AND APPARATUS FOR AUTOMATICALLY RELOADING A STORED VALUE CARD

Money transfer systems and methods

SYSTEM AND METHOD FOR SELECTABLE FUNDING OF ELECTRONIC TRANSACTIONS

Prepaid short messaging

Method and system for providing order status information using an update status flag

Group Electronic Purchase

SYSTEM AND METHOD FOR SELECTABLE FUNDING OF ELECTRONIC TRANSACTIONS

Method for managing buyer transactions and settlements using communication network between computers, and method for relaying information following buyer consumption trends to the buyer

Method for managing buyer transactions and settlements using communication network between computers, and method for relaying information following buyer consumption trends to the buyer

Methods and systems for node-based website design

SYSTEM AND METHOD FOR FACILITATING A FINANCIAL TRANSACTION WITH A DYNAMICALLY GENERATED IDENTIFIER

Location-based automatic payment system

Multiple balance state account processing

Method and system for creating an electric vehicle charging network

Method and system for facilitating online payments based on an established payment agreement

AUTOMATED PAYMENT SYSTEM AND METHOD

Demand deposit account payment system

Internet billing method

PIN-BASED PAYMENT CONFIRMATION

System and method for processing work products for vehicles via the world wide web

System and method for verifying message delivery integrity in a wireless mobile message broadcasting system

Automated device provisioning and activation

System and method for message receipt verification in a wireless mobile message broadcasting system

Automated device provisioning and activation

BILL AVAILABILITY NOTIFICATION AND BILLING INFORMATION REQUEST

System and method for providing borrowing schemes

Automated device provisioning and activation

Automated device provisioning and activation

Image capture and identification system and process

ELECTRONIC PAYMENT USING OPTICALLY READABLE SYMBOLS

PROCEDURE FOR THE JOINT CANCELLATION OF DEBTS OF SEVERAL ENTITIES

Centralized transaction record storage

System and method for enhancing financial institution revenues through acceleration of debit processing

System for automatically transferring account information, such as information regarding a financial services account

Network tools for analysis, design, testing, and production of services

Billing statement customer acquisition system

Per-session dynamic charging caps in communication networks

Network Tools for Analysis, Design, Testing, and Production of Services

MATERIALS ANALYTICAL REVIEW AND REPORTING SYSTEM

Verifiable service policy implementation for intermediate networking devices

Construction payment management system and method with draw notification features

Construction payment management system and method with automatic notification workflow features

TRANSACTION PROCESSING ENGINE FOR BILL PAYMENT TRANSACTIONS AND THE LIKE

Phone number payments for bill payments users

Method and system for processing internet payments using the electronic funds transfer network

Universal merchant platform for payment authentication

Dynamic hosting shopping cart

SCHEDULING AND PAYMENT OF A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE WITH EMBEDDED NFC

System for facilitating production of variable offer communications

Billing statement customer acquisition system

ELECTRICITY TRANSFER SYSTEM NETWORK AND RELATED METHODS

Network tools for analysis, design, testing, and production of services

Verifiable and accurate service usage monitoring for intermediate networking devices

Verifiable and accurate service usage monitoring for intermediate networking devices

Verifiable and accurate service usage monitoring for intermediate networking devices

Verifiable service policy implementation for intermediate networking devices

Data processing system for pricing, costing and billing of financial transactions

CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH HIERARCHICAL INVOICING AND DIRECT PAYMENT FEATURES

Location-based automatic payment system

Automated Budget Management, Multiple Payment, and Payment Authority Management

IMAGE PROCESSING SYSTEM, IMAGE PROCESSING DEVICE, BILLING PROCESSING METHOD AND COMPUTER READABLE RECORDING MEDIUM

METHOD AND SYSTEM FOR PAYMENT OF CHARGES ASSOCIATED WITH CHARGING AN ELECTRIC VEHICLE

ON-LINE CONTENT DISTRIBUTION SYSTEM

System and method for debt presentment and resolution

Payment service capable of being integrated with merchant sites

PAYING FOR A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE AND NFC STICKER

Method and apparatus for providing and processing installment plans at a terminal

Method and system for allocating a payment based on a free trial period

Billing statement customer acquisition system

Billing statement customer acquisition system

Point of service third party financial management vehicle for the healthcare industry

Method of providing lumens and tracking of lumen consumption

Universal ledger

Pay by link system and method

Method and system for processing internet payments using the electronic funds transfer network

Real-time balance on a mobile phone

Electronic purchasing and funds transfer systems and methods

Systems and methods for providing secure document delivery and management including scheduling

SYSTEM FOR ALLOWING A USER TO CONTROL THE MANNER AND AMOUNT PAID TO SETTLE ACCOUNT TRANSACTIONS

METHOD AND SYSTEM FOR ALLOWING A USER TO CONTROL THE ORDER IN WHICH TRANSACTIONS ARE POSTED

Advanced data integrity

Prepaid transaction card activation system and method

VISUAL TRANSACTIONS

METHODS AND SYSTEMS FOR BILLER-INITIATED REPORTING OF PAYMENT TRANSACTIONS

System and Method for Rapid Updating of Credit Information

System and method for legal document authoring and electronic court filing

BILL DIVISION AND GROUP PAYMENT SYSTEMS AND METHODS

Mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal

Mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal

Charge managing system, image forming apparatus, charge managing server, and image forming method

Method and system to automate payment for a commerce transaction

PAYMENT SYSTEM, PURCHASING SYSTEM, AND METHOD FOR PERFORMING A PLURALITY OF PAYMENT PROCESSES

BILL SPLITTING SYSTEM

Image capture and identification system and process

Image capture and identification system and process

AUTOMATED BANK TRANSFERS USING IDENTIFIER TOKENS

PAYMENT SYSTEM USING IMAGES

Automatic electronic payments via mobile communication device with imaging system

Smart sign mobile transit fare payment

Air taxi logistics system

SYSTEM AND METHOD FOR AUTOMATIC PAYMENT OF FINANCIAL OBLIGATIONS

SYSTEMS AND METHODS FOR AUTOMATED PREFUNDING OF COMMERCIAL PAYMENTS

PAYMENT TRANSACTION CLIENT, SERVER AND SYSTEM

Personal budget tool

PAYMENT SYSTEM

SYSTEM AND METHOD FOR PROCESSING GIFT CARDS ACCORDING TO A COMMUNICATION CONTEXT

SINGLE WINDOW BILLING SYSTEM

PAYMENT SERVICE TO EFFICIENTLY ENABLE ELECTRONIC PAYMENT

Financial management system

Method and apparatus for providing and processing installment plans at a terminal

WIRELESS POWER DELIVERY DURING PAYMENT

System and method for point of service payment acceptance via wireless communication

Systems for implementing a loyalty program

Financial systems and methods for providing a credit facility to individuals to cover pre-authorized charges

Managing passwords used when detecting information on configuration items disposed on a network

Internet payment system using credit card imaging

Vending modified climate control device

BILLING SYSTEM AND METHOD FOR MICRO-TRANSACTIONS

Wireless router system and method

SYSTEMS AND METHODS FOR GENERATION, REGISTRATION AND MOBILE PHONE BILLING OF A NETWORK-ENABLED APPLICATION WITH ONE-TIME OPT-IN

Method and system for facilitating network transaction processing

REAL-TIME PAYMENTS THROUGH FINANCIAL INSTITUTION

ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS

System for resolving transactions

Debt trending systems and methods

Payment service that applies user-specified rules to divide payment amounts among multiple payment instruments

System and method for managing customized reward offers

Program for alternative funding of employee and retiree benefits

Network based service profile management with user preference, adaptive policy, network neutrality, and user privacy

SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION

METHOD OF PROCESSING A TRANSACTION FOR A PARKING SESSION

Method and apparatus for processing sales transaction data

Micro-payment system architecture

Universal shopping center for international operation

SYSTEM AND METHOD FOR CONSUMER CONTROL OVER CARD-BASED TRANSACTIONS

System and method for consumer control over card-based transactions

Determination of interchange categories

Interactive bill payment center

Systems and Methods for Implementing Person-To-Person Money Exchange

Invoicing and electronic billing system and method

Using a transaction card account to make recurring loan payments

System, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards

SYSTEM AND METHOD FOR AUTOMATICALLY INVESTING A PORTION OF INTEREST CHARGED IN A MORTGAGE INSTALLMENT PAYMENT

Verifying the source of electronically exchanged value

SYSTEMS AND METHODS FOR PROVIDING CUSTOMIZED INSTALLMENT PAYMENT PLANS

Product and Method of Providing First Class Customer Service or Product Support

System and method for optimized flight planning

System and method for optimized flight planning

Method of authorizing automated banking machine use responsive to user data read from data bearing records

Method of authorizing automated banking machine use responsive to user data read from data bearing records

System and method for implementing an investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund

IDENTITY VERIFICATION SWITCH

Method and system for paying public transportation fare via mobile device

APPARATUS AND METHOD FOR GIRO CHARGE PAYMENT IN PORTABLE TERMINAL

System and method for selection of payment systems from a payment system directory to process a transaction

Method and system for securing user identities and creating virtual users to enhance privacy on a communication network

Program for alternative funding of employee and retiree benefits

SYSTEMS AND METHODS FOR ELECTRONIC PURCHASE TRANSACTION PROCESSING

ELECTRONIC PAYMENT SYSTEM UTILIZING INTERMEDIARY ACCOUNT

COLLECTION AGENCY DATA ACCESS METHOD

Method and system of online shopping via third party using blog

METHODS AND APPARATUS FOR OPERATING AN ELECTRONIC BILLING REPOSITORY

Method and apparatus for pricing calculation

Business process automation in a health plan organization

Prepaid short messaging

System and method for creating trade-related annotations in an electronic trading environment

System and method for selection of payment systems from a payment system directory to process a transaction

System and method for selection of payment systems from a payment system directory to process a transaction

Fee Management System

SYSTEMS AND METHODS FOR FACILITATING PAYMENT RECONCILIATION OVER A NETWORK

Methods and Systems for Inter-Currency Transfers

Privacy-Preserving Metering

Methods, Devices, and Computer Program Product for Offering Media Content Based on User Preferences