20709 results about "Payment" patented technology

A system, method, apparatus and computer program product for providing location based functions and mobile e-commerce comprising a central processing unit including a processor, a storage device, and programming stored in the storage device, a display device, an audio input device, an audio output device, a communications module, a commerce module, an image module, and a location module. The programming controls the operation of the present invention to provide functions based on location data, to facilitate commercial exchanges by wirelessly exchanging payment and product information with venders, to identify services such as venders meeting selection criteria, to wirelessly exchange select information with other users and systems, to restrict and / or monitor the use of the device based on authorized user parameters, to select one of a plurality networks through which to communicate, to detect a trigger for performing an action based on a change in location and sensed data, to store a voice annotation with a computer data file, to determine service providers and associated communication parameters, to contemporaneously maintain a wireless voice and data link, to provide a system for selecting mobile advertisements, and many other functions and services that are described herein.

A system, method, apparatus and computer program product for providing location based functions and mobile e-commerce comprising a central processing unit including a processor, a storage device, and programming stored in the storage device, a display device, an audio input device, an audio output device, a communications module, a commerce module, an image module, and a location module. The programming controls the operation of the present invention to provide functions based on location data, to facilitate commercial exchanges by wirelessly exchanging payment and product information with venders, to identify services such as venders meeting selection criteria, to wirelessly exchange select information with other users and systems, to restrict and / or monitor the use of the device based on authorized user parameters, selecting one of a plurality networks through which to communicate, detecting a trigger for performing an action based on a change in location and sensed data, storing a voice annotation with a computer data file, determining service providers and associated communication parameters, contemporaneously maintaining a wireless voice and data link, providing a system for selecting and delivering mobile advertisements, and many other functions and services that are described herein.

A service configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) provides functionality for sending a payment request to a target payer or payee who is not yet registered with the service. Depending upon who is initiating the transaction (i.e., a payer or a payee) the payment requests may be received as requests to send payments or requests to collect payments. In the latter case, the service may be further organized to solicit a payment, for example by transmitting an e-mail message to a second party to the funds transfer transaction. When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations.

A system and process that provides an on-line, interactive, and fully integrated benefit-driven value exchange and settlement program that monitors, evaluates, and manages economic and personal benefits and executes functions to produce and acquire the maximum or preferred benefit items for users by guiding and automating appropriate payment and settlement actions. The present invention finds useful patterns in data; produces conclusions based on rules and experience; responds to environmental changes with or without human intervention; and, may evolve through selecting the best results from random mutations all of which are intended to maximise user value.

A system and method for, by means of a mobile terminal, wireless hotel search and selection, reservation / booking, check-in, room access control, check-out and payment services for hotel customers is disclosed. The mobile terminal (1) comprises a mobile telephone and processing unit (23), operating with wireless applications, for wireless communication (2) with a hotel search and reservation server (12) and a reservation / IT system (7) of a selected hotel, and a short-range wireless device (25) for wireless communication (10) with wireless devices (9,16) of door locks (32) and user locating arrangements, respectively. By means of the wireless application of the mobile terminal (1), the user reserves a hotel room. A hotel room key token is transferred from the reservation / IT system (7) to the wireless device (35) of the mobile terminal, and hence to the wireless door lock (9,32). When the terminal (1) and the wireless door lock (9,31) are in-range, the hotel room key token is transferred from mobile terminal (1) to the wireless door lock (9,32), the door is unlocked and check-in is registered. On departure, exit or expiration of the reservation period, the system provides wireless check-out and electronic bill settlement.