74 results about "Payment procedure" patented technology

An enrolling system verifies an enrollee, counter-offers a second transaction account in response to a decline of a first account, wherein the second transaction account includes more restrictions than a first transaction account, associates an enrollee's main and overdraft account, and issues a transaction account. Enrolling in the second transaction account may include enrolling in a second transaction account automatic payment program; and / or associating a demand deposit account to the second transaction account. The method may also include relaxing use restrictions of the transaction account based upon at least one of: receiving payment of a pre-selected amount, receiving payments over a pre-selected period, and receiving payment on or before a pre-selected date.

Methods, systems, computer data signals, recordable media and methods of doing business for wireless or wired network communication between network resources each having a unique telephone number associated therewith, including, among other feature, forming a primary number file (PNF) comprising a uniform telephone address (UTA) which has a telephone number associated with a network resource.User-friendly and seamless payment procedure is provided wherein payer or payee only need to know accordingly the payee or payer UTA number to allow transaction and seamless payment routing between payer and payee bank accounts. Unified approach is allowed wherein financial institution also are networking Targets having UTA numbers assigned for them and the financial institution can receive Fund Transfer Agreement or Deal Agreement from networking Targets, authenticate payer using particular Target UTA and apply the payment from this particular UTA bank account.Internet Settlement Architecture provides unique implementation of a clearing routes ranging by using cost command for EEP; and the ranging in turn allows the routing management by using cost and time user preferences, thus allowing operational cost management implementation for financial institutions and their respective customers using cost tracing command. On-line, multi-tier and multi-route clearing infrastructure and payment services provide seamless and transparent payment cost and payment routing management, enabling End-to-End payment Straight Through Processing (STP). Network specific identifiers (such as UTA, ZUTA and others) and the network specific software user interfaces (phone user interface and only numeric keyboards) may be used to navigate and manage the Internet Settlement Infrastructure enabling seamless payment addressing and clearing. Users are enabled to address payments without a need to know payee's banking details and payment routing information providing End-to-End account details resolution and Straight Through Processing for payment clearing services. Payment processing is diverted into online communication. Extensive use of the PKI trusted sources enables trusted financial account mappings allowing secure payment and clearing environment. The use of Attribute Certificates containing only payer network address mapped to its DCF network address allows filling in the DNS system database with the trusted mapping information avoiding the need to disclose the real banking details of the payee to a public. The use of existing DNS technology for resolution of trusted mapping information allows seamless gathering of banking routing information enabling on-line straight through processing.

A system and a method are provided for generating a digital receipt for purchases made utilizing a digital wallet or with other payment procedures. The digital receipt is stored in the cloud in a digital receipts repository for later retrieval. The digital receipt can be standardized to facilitate data processing of the data contained in data fields of the digital receipt. The data fields are text / field searchable and actionable so that the receipts and the data therein can be viewed in any manner desired by the user of the digital wallet. A computer readable non-transitory storage medium can store instructions of a program, which when executed by a computer system, enables the recall of the digital receipt from the repository.

Systems and methods are provided for automated payment handling. In one implementation, a method is provided for processing of a payment request. The method may include determining, using the payment request, an entity that will receive a payment, and determining an outgoing bank account to use for the payment. Further, the method may include automatically selecting, from a list of available payment procedures, a preferred payment procedure for the payment request, the preferred payment procedure indicating a payment form code and a connection with the entity. Moreover, the method may include validating the preferred payment procedure using a set of rules and paying, to the entity, the payment using the validated payment procedure.

The invention relates to the field of internet, and discloses a system and a method for logistics verification. The system for logistics verification includes, an identification information issuing center generates a pickup code and a pickup verification information, and generates a sign-off code and a sign-off verification information; a logistics terminal transmits the pickup code to a pickup terminal and transmits the sign-off information to a delivery terminal; a cargo source terminal delivers cargo after the pickup verification information verifies the pickup code; the pickup terminal picks up cargo at the cargo source terminal based on the pickup code; the delivery terminal transfers the cargo to a destination from a delivery place, and verifies the sign-off code based on the sign-off verification information; a client terminal received cargo at the destination based on the sign-off code. In this way, the system of the invention increases safety coefficient and reliability of delivery in logistics through complete logistics procedures, sound pickup and delivery verification mechanism. At the same time, docking between logistics verification system and payment system can increase automation and safety of logistics procedures and payment procedures, and realize a highly automatic and intelligent way of transaction.