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37 results about "Proof-of-payment" patented technology
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Proof-of-payment (POP) or proof-of-fare (POF) is an honor-based fare collection system used on many public transportation systems. Instead of checking each passenger as they enter a fare control zone, passengers are required to carry a ticket, pass or a transit smartcard to prove that they have paid the valid fare. Fares are enforced via random spot-checks by inspectors such as conductors or enforcement officers, to ensure that passengers have paid their fares and are not committing fare evasion. On many systems, a passenger can purchase a single-use ticket or multi-use pass at any time in advance, but must insert the ticket or pass into a validation machine immediately before use. Validation machines in stations or on board vehicles time stamp the ticket. The ticket is then valid for some period of time after the stamped time.
Systems and methods for facilitating transactions with interest
InactiveUS20090048963A1Increase purchase intentionConvenient transactionFinanceCommerceProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Mobile wireless payment and access
InactiveUS20110153495A1Insufficient fundingTicket-issuing apparatusFinanceProof-of-paymentUnique identifier
Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and / or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways.
Owner:CUBIC CORPORATION
Systems and methods for facilitating commercial transactions between parties residing at remote locations
InactiveUS20070174189A1Increase purchase intentionConvenient transactionFinanceBuying/selling/leasing transactionsProof-of-paymentThe Internet
The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Mobile wireless payment and access
InactiveUS20120254040A1Insufficient fundingTicket-issuing apparatusFinanceProof-of-paymentUnique identifier
Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and / or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways.
Owner:CUBIC CORPORATION
Process for the distribution and redemption of coupons
A data processing system issuing electronic certificates through “online” networks of personal computers, televisions, or other devices with video monitors or telephones. Each electronic certificate includes transaction data and identification data, and can be printed out on a printing device linked to a consumer's personal input device, or electronically stored in a designated data base until a specified expiration date. The certificate can be used for various purposes, including use as a coupon for a discounted price on a product or service, proof of a gift or award, proof of reservation, or proof of payment. Consumers access the data processing system online, browse among their choices, and make their selections. The data processing system provides reports on the selected certificates and their use following selection. Certificate issuers also have online access to the data processing system and can create or revise offers, and provide various instructions pertaining to the certificates, including limitations as to the number of certificates to be issued in total and to each individual consumer.
Owner:NEWS AMERICA MARKETING
Systems and methods for blockchain based proof of payment
ActiveUS20180197173A1Reduce payment amount of paymentReduce the amount requiredCryptography processingPayment protocolsProof-of-paymentBlockchain
A proof-of-payment system may receive a payment confirmation including a transaction amount and a merchant identifier. The system may select a record from a registration repository by matching the merchant identifier to the record. The record may have a public key associated with the merchant identifier via a registration process, for example. The system may also generate a proof-of-payment payload comprising an identifier and a payment amount, and encrypt the proof-of-payment payload using the public key. The system may write the encrypted proof-of-payment payload to a blockchain maintained on a first blockchain node.
Owner:AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC
Systems and methods for facilitating transactions between different financial accounts
InactiveUS7996307B2Increase purchase intentionConvenient transactionFinancePayment architectureProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and Methods for Facilitating Cost-Splitting Transactions
InactiveUS20090048885A1Easy to optimizeIncrease purchase intentionComplete banking machinesFinanceProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC +1
Systems and methods for facilitating commercial transactions between parties residing at remote locations
InactiveUS20070168281A1Easy to optimizeIncrease purchase intentionFinanceBuying/selling/leasing transactionsProof-of-paymentThe Internet
The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for facilitating transactions
InactiveUS7962406B2Increase purchase intentionConvenient transactionFinancePayment architectureProof-of-paymentInternet privacy
Owner:LIBERTY PEAK VENTURES LLC
Systems and Methods for Adjusting Loan Amounts to Facilitate Transactions
InactiveUS20090048966A1Easy to optimizeIncrease purchase intentionFinancePayment architectureProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for facilitating transactions
InactiveUS20090043705A1Easy to optimizeIncrease purchase intentionFinancePayment architectureProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and Methods for Facilitating Transactions Involving an Intermediary
InactiveUS20090048887A1Easy to optimizeIncrease purchase intentionComplete banking machinesFinanceProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC +1
Systems and methods for facilitating budgeting transactions
InactiveUS7904385B2Increase purchase intentionConvenient transactionComplete banking machinesFinanceProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for adjusting crediting limits to facilitate transactions
InactiveUS7979349B2Increase purchase intentionConvenient transactionComplete banking machinesFinanceProof-of-paymentInternet privacy
Owner:LIBERTY PEAK VENTURES LLC
Self check out using a portable device
InactiveUS20130024308A1Conserve costImprove consumer experienceCash registersPoint-of-sale network systemsProof-of-paymentDatabase
The present invention relates to a system and method for enabling customer self-checkout using a portable device. The system allows the customer to walk in to a retail store, check out items at the store, pay for the goods and present a proof of payment at the store exit. Thus the invention asserts the possibility of having unmanned stores and benefits the stores and the customers alike. The store benefits by not having to invest in separate space, terminal and employees for check out process, while the customers benefits by not having to wait in queue to check out their goods and pay for the same.
Owner:TATA CONSULTANCY SERVICES LTD
Interactive marketing network and process using electronic certificates
Owner:NEWS AMERICA MARKETING
Systems and Methods for Facilitating Gifting Transactions
InactiveUS20090048886A1Increase purchase intentionConvenient transactionComplete banking machinesFinanceProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC +1
Systems and Methods for Adjusting Crediting Limits to Facilitate Transactions
InactiveUS20090048952A1Increase purchase intentionConvenient transactionComplete banking machinesFinanceProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for adjusting loan amounts to facilitate transactions
InactiveUS7908214B2Increase purchase intentionConvenient transactionFinancePayment architectureProof-of-paymentInternet privacy
Owner:LIBERTY PEAK VENTURES LLC
Systems and Methods for Facilitating Transactions Between Different Financial Accounts
InactiveUS20090048969A1Easy to optimizeIncrease purchase intentionFinancePayment architectureProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and Methods for Facilitating Budgeting Transactions
InactiveUS20090048951A1Easy to optimizeIncrease purchase intentionComplete banking machinesFinanceProof-of-paymentInternet privacy
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for facilitating transactions with interest
InactiveUS8234212B2Increase purchase intentionConvenient transactionFinanceCommerceProof-of-paymentCredit limit
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Systems and methods for facilitating transactions with different account issuers
InactiveUS7925585B2Increase purchase intentionConvenient transactionFinancePayment architectureProof-of-paymentInternet privacy
Owner:LIBERTY PEAK VENTURES LLC
User and device authentication for web applications
InactiveUS20180101850A1Improve bindingImprove securityDigital data authenticationTransmissionComputer hardwareWeb application
A computing device supports a Web Authentication (WebAuthN) application program interface (API) that is configured to exposes functionalities that may substitute for those utilized in the EMV (Europay, Mastercard, and Visa) standard for transactions using smart payment instruments like debit and credit cards that include embedded computer chips. The functionality of the WebAuthN-compliant computing device is analogous to a physical card in the conventional chip and PIN (personal identification number) where the chip serves as proof of payment device and the PIN as proof of payment account holder.
Owner:MICROSOFT TECH LICENSING LLC
Mobile wireless payment and access
InactiveUS20170046681A1Insufficient fundingTicket-issuing apparatusPayment architectureMobile wirelessProof-of-payment
Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and / or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways.
Owner:CUBIC CORPORATION
Remote third party payment of in-store items
An apparatus and method for remote third party payment of in-store item(s) selected by a user are disclosed herein. The first user selects one or more items located in a store, requests a particular person who is not in the store to pay for those item(s) in real-time or near real-time, and obtains proof of payment in response to the particular person making an electronic form of payment. The proof of payment is sufficient for the sales clerk in the store (or the store checkout system) to deem the purchase of those in-store item(s) to be complete so that the first user can leave the store with the item(s).
Owner:BLACKBERRY LTD
Method and system for transmitting proof of payment for "pay-as-you-go" multi-function devices
InactiveUS20100196075A1Character printing data arrangement from carrierError detection/correctionProof-of-paymentNetwork connection
A method and system is provided including a plurality of multi-function devices being operatively associated with at least one controller. Each of the plurality of multi-function devices having time staggered payment support capabilities for enabling at least one user continued access to the plurality of multi-function devices. A detecting module is provided for enabling the plurality of multi-function devices to automatically detect, inspect, and verify at least one authorization code located on incoming print jobs. The method and system enable the at least one user to pay for continued access to the plurality of multi-function devices via time staggered installments without one or more of the plurality of MFDs directly accessing a payment center via a network connection and without manually supplying the at least one authorization code to the plurality of multi-function devices.
Owner:XEROX CORP
Mobile wireless payment and access
InactiveUS9996831B2Insufficient fundingTicket-issuing apparatusPayment circuitsProof-of-paymentTransit system
Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and / or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways.
Owner:CUBIC CORPORATION
Interactive marketing network and process using electronic certificates
Owner:NEWS AMERICA MARKETING
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