| Patent application number | Description | Published |
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| 20090043694 | SYSTEM AND METHOD FOR INTEGATING DIGITAL RIGHTS MANAGEMENT INFORMATION AND PAYMENT INFORMATION - One embodiment provides a system of distributing digital content from a first party to a second party over a network. The system includes an interface to receive by the second party from the first party a digital content package including a digital content and its header. The header provides Digital Rights Management (DRM) information and payment information for the digital content. The system also includes a payment module to receive a payment from the second party based on the received payment information. The system further includes an authorization module, after receiving the payment, to allow the second party to play the digital content under restrictions described in the received DRM. In some embodiments, the system may also include a preview module to allow the second party to preview the digital content for a predetermined number of times or for a predetermined length of time. | 02-12-2009 |
| 20090061831 | MOBILE REMITTANCES/PAYMENTS - A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from an account, associated with the first party to a mobile phone number associated with a second party; notifying the second party of the amount to be remitted and an identity of the first party; receiving a personal identification component from the second party; accessing a mobile account associated with the mobile phone number based on the personal identification component; and depositing the amount into the mobile account. According to example embodiments, the system may include a communication module, a mobile remittance module, a payment processor, a mobile accounts module, an agent management module, and a mobile transfer module. | 03-05-2009 |
| 20090070262 | ACH-ENABLED MICROPAYMENTS - A method and a system for arranging for micropayment of transaction amounts related to micro-transactions transacted by a user are provided. In example embodiments, the method may include analyzing transaction conditions (e.g., availability of a stored value, a valid bank account, an Automated Clearing House (ACH) funding, a credit card account, or a transaction risk assessment result, associated with the user, and monetary value of the micro-transaction) and selecting a micropayment option for charging the transaction amount from a group of micropayment options, based on the transaction condition. The method may also include automatically applying the selected micropayment option for charging the transaction amount. According to example embodiments, the system may include a transaction analysis module and a payment processor. | 03-12-2009 |
| 20090094163 | SECONDARY IDENTIFICATION FOR REMITTANCE DELIVERY - There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account associated with a sender to a receiver; receiving a visual or audio identification of the receiver from the sender for the remittance transaction; and transmitting the generated remittance transaction, the received identification and the funds associated with the remittance transaction to a disbursement agent to selectively disburse funds to the receiver if the identification of the receiver matches the receiver. | 04-09-2009 |
| Patent application number | Description | Published |
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| 20090164374 | System and Methods for One Time Check Numbers - Various embodiments are directed to third-party payment services including the ability to arrange and pay for goods or services with a printed paper check using facilities hosted by the third-party payment service. In one embodiment, a third-party payment services system may be arranged to provide access to a third-party payment account linked to a source of funds for the third-party payment account. The third-party payment services system may receive a request to transfer funds from the third-party payment account to a recipient using a printed check and may receive a use limitation for the check. A unique number to be printed on the check may be derived and associated with the third-party payment account. A payment request for the check may be verified using the unique number when use limitations for the check have been observed. Other embodiments are described and claimed. | 06-25-2009 |
| 20090171773 | SYSTEM AND METHOD FOR ADMINISTERING A VALUE VAULT FOR USE IN FACILITATING A FINANCIAL TRANSACTION - A system and method for administering a value vault for use in facilitating a financial transaction described herein. In one embodiment, the system includes a communication interface; a database having stored therein information regarding a plurality of value programs associated with a plurality of merchants; and a payment provider system configured to receive a purchase request from one of the plurality of merchants via the communication interface, and make available at least one or more of the value programs associated with the merchants during the purchase of an item. | 07-02-2009 |
| 20110258111 | ALIAS MANAGEMENT AND OFF-US DDA PROCESSING - An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer. | 10-20-2011 |
| 20110258686 | Alias Management and Value Transfer Claim Processing - An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers. | 10-20-2011 |
| 20110270756 | SYSTEMS AND METHODS FOR SCREENING PAYMENT TRANSACTIONS - Methods and systems for anti money laundering screening are provided. A risk score and a first validation code is determined based on information related to a funds transfer transaction. The first validation code is associated with the risk score. Thereafter, a second validation code is calculated and compared with the first validation code. The risk score and the validation score are included in a payment authorization message sent to a payment processing network. The payment processing network extracts the validation code and communicates the payment authorization message including the risk score to a receiving financial institution. The receiving financial entity accepts or denies the incoming funds transfer based on the risk score included in the payment authorization message. | 11-03-2011 |
| 20110282780 | METHOD AND SYSTEM FOR DETERMINING FEES AND FOREIGN EXCHANGE RATES FOR A VALUE TRANSFER TRANSACTION - A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account. | 11-17-2011 |
| 20130159081 | BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS - The BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“Ad-Track”) transform consumer activity data via Ad-Track components into ad revenue sharing payment transactions. In one implementation, a method of improving network data transmission efficiency and reducing network bandwidth usage is disclosed, comprising: instantiating a remote tracking component on a user device; receiving a consumer trigger event with regard to a product via the remote tracking component; determining a related merchant based on the trigger event, the merchant providing the product; and providing an advertisement component advertising the merchant via the remote tracking component to the consumer. | 06-20-2013 |
| 20130179335 | ALIAS MANAGEMENT AND VALUE TRANSFER CLAIM PROCESSING - An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers. | 07-11-2013 |
| 20140279468 | SECONDARY IDENTIFICATION FOR REMITTANCE DELIVERY - There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account associated with a sender to a receiver; receiving a visual or audio identification of the receiver from the sender for the remittance transaction; and transmitting the generated remittance transaction, the received identification and the funds associated with the remittance transaction to a disbursement agent to selectively disburse funds to the receiver if the identification of the receiver matches the receiver. | 09-18-2014 |
| 20140289102 | REPUTATION INTEGRATION INTO REMITTANCE DELIVERY - One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party. | 09-25-2014 |
| 20140372227 | FOCUSED ADVERTISING ACROSS MULTIPLE COMMUNICATION CHANNELS - This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing. The advertising campaign is published across multiple communication channels and focuses on the merchant's identity in at least one of the communication channels and specific products sold by the merchant in at least one other communication channel. | 12-18-2014 |
| 20150039462 | E-Wallet Store Injection Search Apparatuses, Methods and Systems - The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service. | 02-05-2015 |
| 20150039503 | MOBILE REMITTANCES/PAYMENTS - A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from an account, associated with the first party to a mobile phone number associated with a second party; notifying the second party of the amount to be remitted and an identity of the first party; receiving a personal identification component from the second party; accessing a mobile account associated with the mobile phone number based on the personal identification component; and depositing the amount into the mobile account. According to example embodiments, the system may include a communication module, a mobile remittance module, a payment processor, a mobile accounts module, an agent management module, and a mobile transfer module. | 02-05-2015 |
| 20150356560 | Identification and Verification for Provisioning Mobile Application - Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level. | 12-10-2015 |
