687results about How to "Convenient payment" patented technology

A system and methods for an offer management system for use in delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, such as an online banking portal of a financial institution. A component receives aggregated transaction data from a financial transaction system for use in creation of an advertising campaign. A component provides a marketing campaign interface that allows advertisers to define an advertising campaign by display of information derived from the aggregated transaction data indicating potential market segments defined by the advertiser, define a predetermined market segment, and define a predetermined targeted marketing offer for delivery to consumers under predetermined conditions. A component outputs the campaign data to the financial institution for delivery of the targeted marketing offer to consumers within the predetermined market segment in response to the predetermined conditions during online sessions with the portal.

A system and method for using RFID technology to track resource performance and task completion is disclosed. In one exemplary embodiment, a system for facilitating a transaction comprising a transponder, an RF reader, a transaction completion system, and a resource engine. In another exemplary embodiment, the transponder system is configured to provide an account number in ISO / IEC 7816 magnetic stripe Track1 / Track 2 format. In accordance with another aspect the transponder may transmit to the RFID reader information identifying the resource's performance tracking account to which the transponder is associated. The RFID reader may receive and forward the information to facilitate performance tracking.

The present invention provides a system and method for providing democratizing power in a power grid system. In architecture, the system includes a module for receiving a plurality of user preferences concerning load shedding using a graphical user interface, and a module for implementing the user preferences during a grid irregularity. The method of providing democratizing power, can be broadly summarized by the following steps of determining if a device needs a transfer of energy, determining if an electric network connected to the device is able to supply backup power, and determining the quantity of the backup power. The method further includes the steps of determining the cost of the backup power and facilitating payment of the cost of the backup power.

A system and methods for offer realization and redemption in a system involving delivery of targeted marketing offers to consumers during a session with an online (web-based) Internet portal, such as an online banking portal of a financial institution. A database stores transaction data records, offer data corresponding to the terms of a targeted marketing offer delivered to the consumer, offer redemption data corresponding to a predetermined targeted marketing offer that has been satisfied, and reward data corresponding to a predetermined reward provided in response to satisfaction of the terms of the offer. A component processes the transaction data records to identify whether any transactions have satisfied the terms of an offer and stores offer redemption data indicating that the terms of an offer have been satisfied. A component accesses the offer redemption data and the reward data and provides the predetermined reward to the consumer.

A computer integrated communication system for restaurants that includes a central server and a series of table units and staff units. The table and staff units each include a display and wireless communication device that enables customer request information and other communications to be sent from the table unit to the staff units either directly or by first being passed through the central server unit. The central server further can monitor the communications and direct the request to another staff member or management for action in the event of delays or other problems with the customer's request.

An electronic shopping system facilitates purchase transactions via a wireless telephone. A purchase transaction program is downloaded from the seller's server to a purchaser's wireless telephone via a program loader contained within the purchaser's wireless telephone. The purchase transaction program is stored in a program memory of the purchaser's wireless telephone. The purchase transaction program is used by the purchaser to facilitate the selection of items to be purchased, as well as payment therefor. An external bar code reader is attached to the wireless telephone to facilitate the selection of items to be purchased and is controlled via the downloaded purchase transaction program.

A system and methods for an offer placement system for delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, such as an online banking portal of a financial institution. A component receives advertising campaign data from an advertiser including a plurality of targeted marketing offers for delivery to consumers in response to a particular condition (e.g. an offer-triggering event), and stores the campaign data in a database. A component determines the occurrence of an offer-triggering event caused by a consumer during an online session with the online portal, for example, viewing a list of banking transactions. A component identifies a predetermined targeted marketing offer stored in the database that corresponds to the offer-triggering event. A component delivers information corresponding to the targeted marketing offer to the consumer during the online session with the portal.

A kiosk machine vends stored value cards (i.e., pre-paid and gift cards). The kiosk is self-service and will allow a user to select, purchase and pay for a stored value card without requiring the presence or assistance of a sales clerk. The kiosk can vend one or more cards in a single transaction. The kiosk is a computer-based vending machine having a touch-sensitive video screen and a card reader. The touch screen provides a user interface for a user to receive information and provide input selections. The card reader can be used to read a transaction card (e.g., an American Express card or credit card) to facilitate payment for the stored value card(s) being purchased. The vending method comprises: providing a kiosk having a user interface; receiving, via the user interface, a request to purchase a stored value card, receiving payment for the purchase; determining a card number associated with a selected card; activating the selected card to produce an activated stored value card in the card denomination; and dispensing the activated stored value card. A user purchasing a stored value card can select a type of stored value card, wherein the type is selected from the group consisting of an open card and a closed card. The closed card can be of the type usable only in a shopping center where the kiosk is physically located. The user can further select a card denomination. The method further allows a user to check a card balance for a stored value card.

A system and methods for displaying a selected advertisement on a web page merged (injected) into a list of transactions provided by an online (Internet) banking portal of a financial institution, independently of a computer system that provides the list. A consumer's browser receives an account history page comprising a list of transactions from the portal. The list is processed locally at the consumer's machine to generate a list of currently-displayed transactions, which are then transmitted to an offer placement system. The offer placement system accesses a database of potential advertisements to identify a selected advertisement corresponding to an advertisement selection criterion. The selected advertisement is then transmitted to the consumer's machine. The consumer's machine merges (injects) the selected advertisement in the web browser with the transactions list in accordance with predetermined advertisement placement information. The injection is effected by a script such as Javascript loaded from an associated script server.

The invention discloses an intelligent system for an electric automobile charging station and a charging method. The system comprises a charging station cloud computing platform information comprehensive service center; the charging station cloud computing platform information comprehensive service center communicates with the electric automobile charging station through Internet; and the electric automobile charging station comprises a power supply system, charging equipment, a monitoring system and matched facilities. The invention also discloses the charging method based on the intelligent system for the electric automobile charging station. The invention provides humanized service for an owner; the charging time is saved; information of a battery to be charged comprises battery using condition and accumulated charging times; and a charging fault state is sent to a battery maintenance base station and a battery factory through a charging station remote data terminal, so that first-hand using data is provided for the battery factory, and the intelligent system has significance for improving the quality and the reliability of the battery.

A local portal system including a personal computerized system having a display and a primary storage unit. The primary storage unit is provided with an inventory of local digital content which has been installed before its being received by a user. Logics then operate a persistent desktop object (PDO) which is perceivable on the display by the user and present a presentation of digital content with the persistent desktop object which initially includes at least part of said local digital content.

A method of pre-staging a financial transaction includes sending payment information entered using a device at a user location, via an electronic communication channel, for pre-staging the financial transaction. The method includes receiving a pre-staged transaction receipt corresponding to the financial transaction from an intermediary entity implemented on at least one processor. The method also includes manually tendering a payment amount, the payment amount corresponding to the payment information and the pre-staged transaction receipt, at a retail location. The method also includes paying a payee the payment amount, the payee being specified in the payment information, based on matching a transaction request from the retail location with the pre-staged financial transaction.

A system facilitates the purchase of an item or service using a wireless device (100). The system may capture an image of a bar code (310) associated with a device (300) from which the item or service is being purchased and transmit the image to facilitate payment for the item or service. The system may alternatively process the image to extract information from the image and transmit the extracted information to facilitate payment for the item or service.

Disclosed is an electronic payment system based on a cloud data processing technology. The electronic payment system based on the cloud data processing technology comprises terminal equipment, a cloud server, a payment server and a bank server. The terminal equipment is suitable for sending payment confirming information to the cloud server, wherein the payment confirming information carries order form information, a payment account of the user, verifying information of the user and identification data of the terminal equipment; the cloud server is suitable for verifying the order form information, and submitting payment requests to the payment server after verification is passed through, wherein the payment requests at least carry payment amount, payment objects, a dealing number associated with the order form information, the payment account, the verifying information and the identification data of the terminal equipment; and the payment server is suitable for acquiring a bank account corresponding to the payment account based on the binding relations between the stored payment account and the bank account and the identification data of the terminal equipment, and finishing payment through the bank account and the bank server after the verifying information is verified and passed through. The technical scheme is that the electronic payment system based on the cloud data processing technology can ensure safety of electronic payment and convenience of the electronic payment.

<heading lvl="0">Abstract of Disclosure< / heading> A system for administering scan-based promotions involving manufacturers and retailers. The system records the terms of the promotion, ensures that the promotion is conducted in compliance with the agreed terms, settles the promotion and provides continual promotion progress for review by the retailers and the manufacturers.

An online electronic marketplace in which carriers bid for loads tendered by shippers, and shippers purchase the most attractive transportation services. The system described herein efficiently matches loads and capacities, lowers transaction costs, and creates value through enhanced visibility to information resulting in efficient transportation and financial transactions. According to specific embodiments, the present invention combines a neutral marketplace patterned after a stock exchange, with the electronic format of an Internet auction site to create a trading system for the logistics industry.

A method of processing a purchase card transaction includes receiving a transaction request at a host computer system from a point-of-sale device of a first merchant. The transaction request comprises transaction details relating to a purchase from the first merchant using a private label purchase card relating to a second merchant and an issuer. The first merchant and the second merchant are different merchants. The transaction details comprise at least an identifier relating to the first merchant, an amount, and an account identifier relating to the private label purchase card. The method further includes evaluating at least a portion of the account identifier, recognizing that the account identifier relates to the issuer, routing at least a portion of the transaction request to the issuer, and facilitating a payment from the issuer to the first merchant.

A system and methods for delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, particularly suitable for online banking portals of financial institutions. An offer management system receives information corresponding to an advertising campaign of an advertiser corresponding to terms of a targeted marketing offer to be provided to a consumer accessing the online portal, and provides advertising campaign data corresponding to the targeted marketing offer and to an offer-triggering event to an offer placement system. An offer placement system receives the advertising campaign data, determines the occurrence of the offer-triggering event by a consumer during an online session with the online portal, and delivers information corresponding to the targeted marketing offer to the consumer. In response to the offer-triggering event, such as display of a list of transactions, the predetermined targeted marketing offer is delivered to the consumer during the online session.

A system and methods for displaying a selected advertisement on a web page merged (injected) into a list of transactions provided by an online (Internet) banking portal of a financial institution, independently of a computer system that provides the list. A consumer's browser receives an account history page comprising a list of transactions from the portal. The list is processed locally at the consumer's machine to generate a list of currently-displayed transactions, which are then transmitted to an offer placement system. The offer placement system accesses a database of potential advertisements to identify a selected advertisement corresponding to an advertisement selection criterion. The selected advertisement is then transmitted to the consumer's machine. The consumer's machine merges (injects) the selected advertisement in the web browser with the transactions list in accordance with predetermined advertisement placement information. The injection is effected by a script such as Javascript loaded from an associated script server.

A system for a customer initiated payment transaction includes a mobile device of a customer, a merchant including merchant information and payment information, a multi-payment gateway, and a network. The mobile device includes a digital wallet, on which a customer may register one or more of a plurality of payment methods. Payment methods include credit card, debit card, virtual cards, cryptocurrency, and loyalty points.

The present disclosure relates to systems, methods, and devices that provide a transactional payment system. In particular, the transactional payment system allows users of messaging system to send and receive electronic payments to and from other users of the messaging system. A messaging application on a client device can receive payment information input (such as a payment amount and payment method) from a sender for making a payment to a recipient. The messaging application can send a payment message including the payment information to a messaging system, and the messaging system coordinates a payment process based on the payment information. During the payment process, the messaging system can provide status updates to the sender and receiver of the payment via a status messages that are included in a message thread corresponding to the sender and the recipient.

The present invention is a system and method for management of consumer services such as health care services which combines new financial structure for health insurance and health benefit plan, payment methods, health plan design, benefit development algorithms, unique procurement methods for health care benefits with and without application to an individual consumer's personal state of health, and is integrated with financial services and asset management products, and benefits for an individual consumer's future medical and / or retirement savings, for healthcare needs. The method and system employs a combination of the defined benefit and defined contribution approaches which combination is referred to herein as “defined-care.” Defined-care model or the healthcare asset management model has two primary components, one which is referred to herein as a “health management and retirement account”, and the other of which is an infrastructure “connected portal” that interfaces through a technology platform with the health management and retirement accounts and the account holders. The foundation of this infrastructure according to the present invention is a technology platform across which a variety of processes are implemented. In the technology platform for the infrastructure of the present invention, the conventional processes and the new processes are integrated, thereby allowing a change to one process to be adopted by or otherwise accommodated by the other processes.

A navigation device is arranged to communicate information to a server. In at least one embodiment, the navigation device is arranged to determine a period of time for which a vehicle carrying the navigation device is parked, and to communicate information to the server associated with the period of time.

The invention discloses a novel offline payment method. The method comprises the steps that account numbers of an accountee party and a receiving party serve as IDs, and a corresponding public key and private key are mapped according to business sub-domain identifications; a random number is selected from the receiving party, signature is conducted on the random number through the private key, and a two-dimension code is generated; the two-dimension code is scanned through the accountee party, the public key is mapped by means of the receiving party ID and the service sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, the accountee party successfully pays according to transaction information; signature is conducted on the random number by the accountee party through the private key after payment to generate a two-dimension code; the receiving party scans the two-dimension code, the public key is mapped through the accountee party ID and the business sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, posting is successfully conducted on the receiving party. According to the novel offline payment method, payment does not rely on the support of a network any more, payment is achieved on various mobile equipment, and the payment process is greatly facilitated. The two-way authentication process based on the identifications is adopted by the two payment parties, the legality of transactions is fully guaranteed, and illegal manipulation of information and information disguising are prevented.

An invention is provided for affording interaction between service consumers and service providers via centralized hub. The invention includes a service session scheduling component that schedules a service session between a service consumer and a selected service provider selected by the service consumer. The invention also includes a service management session delivery component capable of provisioning communication for the service session between the service consumer and the selected service provider. A service payment management component is also included that facilitates a payment from the service consumer to the service provider. In addition, the service payment management component facilitates a payment from the service provider to a system account.

The present invention relates to a method of enabling a computer network transaction for a product being purchased by a buyer from a seller by generating a once-only transaction feature associated with the transaction, by providing the transaction identification feature to a transaction acquirer, together with a buyer identification feature which identifies the buyer to the transaction acquirer, and by providing the once-only identification feature to the seller, such that the seller may provide the transaction identification feature to the transaction acquirer and the transaction acquirer can match the transaction identification feature received from the seller with the transaction identification feature they have been provided with and, if they match, can enable settlement of the transaction.

A comprehensive, integrated system for management of fee for parking businesses, including payment collection and processing for these business, as well as other businesses to which such a system may be applicable.

The disclosure relates to systems and methods for targeted messaging, workflow management, and digital rights management for geofeeds, including content that is related to geographically definable locations and aggregated from a plurality of social media or other content providers. The system may facilitate targeted messaging to users who create content. The targeted messaging may be based on the content (or location related to the content) such as a request for additional information or a promotional message. The system may generate workflows that allow management of the content with respect to operational processes of an entity that wishes to use the content and facilitates the management of usage rights related to the content as well as payments related to such usage rights. For example, the system may store whether content requires permission to use the content and / or whether such permission was obtained and facilitates payment.

The invention discloses a network payment method and a system thereof. The method comprises the following steps: a user selects goods through a shopping client, and the shopping client sends information to a center server; the center server generates an only identification code according to information sent by the corresponding shopping client, and sends the identification code to the corresponding shopping client; according to the only identification code, the user comes to a payment terminal to pay cost, and the payment terminal sends the only identification code to the center server for verification; after success of verification, an attribute representing whether pays or not in information corresponding to the only identification code is modified, and notification information is sent to the center server simultaneously. According to the method and the system in the invention, a payer can pay cost at a nearby convenience store, and great convenience is brought to the payer without Internet banking.