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6134results about "Billing/invoicing" patented technology

Billing system for information dispersal system

ActiveUS20070174192A1Less usableLess recognizableFinanceComputer security arrangementsInformation dispersalOriginal data
A billing process is disclosed for a information dispersal system or digital data storage system. In one embodiment of the invention, the original data to be stored is separated into a number of data “slices” or shares in such a manner that the data in each subset is less usable or less recognizable or completely unusable or completely unrecognizable by itself except when combined with some or all of the other data subsets. These data subsets are stored on separate digital data storage devices as a way of increasing privacy and security. As dispersed file shares are being stored or removed from a grid of distributed storage locations, a set of metadata tables are created, separate from the dispersed file share storage, to maintain information about the original data size of each block, file or set of file shares dispersed on the grid. The original data size information in these separate metadata tables is used to determine usage information based upon the original file size even though the file has been dispersed onto a storage grid that contains file slices who size may not relate to the original file size and the file slices may have been compressed by the system in order to reduce storage space or improve transmission time. As such, the billing process is able to enable a broad range of commercial billing options for billing for commercial data services on an information dispersal grid.

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

Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and / or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by issuing a new stored value card or reloading funds onto a pre-existing stored value card.

Electronic multiparty accounts receivable and accounts payable system

InactiveUS7206768B1Facilitating collection and trackingFacilitate communicationComplete banking machinesFinanceAccounts payableInvoice
The invention concerns a multiparty accounts receivable and accounts payable system that allows business trading partners to use a single, shared system for both accounts receivable and accounts payable management. The system of the invention forms an electronic “bridge” between a plurality of business trading partners for purposes of invoicing, dispute resolution, financing, and settlement of single and multiple currency debts. As the invoicing and settlement activities of the participants are funneled through a common system, the system allows a participant to aggregate all debts owed to other participants, aggregate all debts owed by the other participants, and net debts owed to other participants with debts owed by these participants. After aggregation and netting, the participant issues a single payment to settle numerous accounts payable items, and receives a single payment that settles numerous accounts receivable items. The system allows participants to use the substantial amount of financial and cash flow information captured by the system to borrow more efficiently by permitting lenders to view this information. Furthermore, the system provides a confirmation process to convert existing debt obligations into a new, independent payment obligation due on a date certain and free of any defenses to the underlying contract. The confirmed debt obligations provide a better source of working capital for the participants, or can be converted into electronic promissory notes. The system provides an electronic exchange for electronic promissory notes, allowing participants to raise working capital in various ways, for example, by selling them.

System and method for sending a short message containing purchase information to a destination terminal

A telecommunications system and method is disclosed for providing a substantially immediate electronic receipt after a consumer has made a purchase. When a consumer makes a purchase, the sales terminal, which is attached with a short message / e-mail sending capable terminal, can generate and route a short message along with the detailed purchase information to a transport address or alias address associated with the consumer via a Gatekeeper for the Internet for the area that the sales terminal is located in. Upon receipt of the short message, the Gatekeeper can then convert the alias address to the transport address, if the alias address is given and the consumer does not want the short message sent to the alias address, and forward the short message through the Internet to that transport address (or alias address) as an Internet Protocol datagram for storage and retrieval of the short message by the consumer either immediately or at a later time.

System and method for resource management

A system uses an intelligent load controller for managing use of a consumable resource at an associated load. The controller has a resource measuring component for measuring the rate of use of the resource by the associated load, including measuring at least one of an instantaneous usage rate and a usage rate over an integration period and a load status component for receiving load status data for the associated load. The controller also has a communication component for receiving control messages from and sending load status messages to other associated controllers; a memory for storing a load control goal set; and a load control computer program responsive to the resource measuring component, the load status component, the control messages from other associated controllers and the load control goal set, to determine a load operating level for, and provide control commands to, the associated load.

Apparatus and method for analyzing and filtering email and for providing web related services

The inventive methodology provides an integrated plug and play solution designed to protect home networks against spam, phishing emails, viruses, spyware as well as other similar threats. The described content filtering appliance can be used for processing of web and email traffic implemented and can be deployed as a stand-alone appliance. In one implementation, the content processing appliance utilizes backend content filtering provided by a remote scanning service accessed via a network. The system employs network level analysis and translation of content and executes various procedures to handle the network traffic. In an embodiment of the invention, the appliance is provided with an automatic remote updating capability, wherein the software and data used by the appliance can be updated remotely via a network. Finally, the appliance may also implement parental controls.

Media delivery platform

An improved method for delivery and play back of sound and image files is provided. This new method includes the use of sound and/or image clips, which can be snippets or full files, as alerts for a variety of electronic devices or for playing on a handheld device, and for use as a promotion to sell items associated with the files. A collection or library of uniquely selected and/or edited clips may also be provided to the consumer in a manner far more conveniently on conventional telephone equipment than previously available. Algorithms are provided for the delivery, storage and playback of the sound files, including a delivery method algorithm (500), a parametric optimization and compression algorithm (1500), and an error correction algorithm. In contrast to the conventional ring tones or musical chimes used to ring cellular phones currently on the market, the current invention provides a method for ringing cellular phones and landline telephones with real sound recordings including real music, which may be songs lifted from copyright registered CD tracks, and may comprise human voice, various instrument sounds, and other sound effects of a high quality. A software based system for encoding the hardware of existing cellular phones at the time of manufacturing with delivery, storage, and playback capabilities in accordance with the present invention is provided, such that additional hardware is not required.

Systems and methods for facilitating financial transactions over a network

Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network. The client device is adapted to allow a user to access the merchant device via the network and view the items for purchase. The client device is adapted to provide a payment mechanism to the user. The user generates a purchase request for an item by selecting the one item, dragging the item to the payment mechanism, and dropping the item over the payment mechanism. The payment processing device is adapted to receive the purchase request from the client device via the network and authorize the user to purchase the item from the merchant based on information passed with the purchase request.

Interactive transaction center interface

A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network. The transaction module comprises, an interactive main interface accessible through the summary interface, the main interface for listing new transactions related to registered financial accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing transaction history, an interactive menu provided within the main interface for assigning categories to the listed transactions, an interactive save feature for saving category assignments to the listed transactions; a interactive bill-payment link provided within the main interface for linking the interface to a bill-payment module and an interactive transfer-funds link provided within the summary interface of the module for linking the summary face of the module to a secondary interface for transferring funds from one account to another. A user operating the main interface from a remote node having access to the data-packet-network may view all transactions according to option of category, account, and time period.
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