1033 results about "Online payment" patented technology

A method, apparatus, computer readable medium, computer system, network, or system is provided for mobile and online payment systems for mobile and online promotions or offers or daily deal coupons or daily deal coupons aggregation provided using impressions tracking and analysis, location information, 2D and 3D mapping, social media, and user behavior and information for generating mobile and internet posted promotions or offers or daily deal coupons or daily deal coupons aggregation for, and / or sales of, products and / or services in a social network, online or via a mobile device-for mobile and web based promotions or offers that connect information and user behavior data to a user or related demographic location or user specified or predicted demographic location(s) for targeted promotions or offers for products and / or services in a social network, online or via a mobile device.

Various methods and systems provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.

Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data. Additional embodiments are also provided.

The present invention provides an a electronic payment system for bank, financial institutions, portals and companies to receive payment from their customers for one or more payees. The electronic payment system allows payer (consumer or business) to use any funding method (bank account, credit / debit cards or any other business or personal account or method associated with one or more banks) accepted by the payee to initiate a payment and the payment transaction is routed to the appropriate payment processor based on payee's preferences. The electronic payment system also provides a instant payment delivery notification to the payer directly from the payee. The system also creates a unique payment tracking number which can be used by all parties associated with the transaction to track a payment's status and other attributes associated with the payment. The electronic payment system also provides a rule based payment management system for the payees to use for managing the processing and posting of the payments. The system also allows for payees to manage their payments received and post to various receivable systems based on rules defined. Additionally, the system allows payees to create rules for other aspects of payment processing. The system also allows for much simplified electronic bill delivery system which uses biller's existing infrastructure to create bill data for distribution to 3rd party consolidators.

Methods and apparatus for processing an online payment for an item. In one implementation, the method includes receiving information from a user corresponding to online payment for an item. The information from the user is received through a graphical user interface, and includes an authorization to pay for the item using an electronic check. The method further includes creating an electronic image of an authorized demand draft based on the authorization received from the user. The electronic image of the authorized demand draft is created directly from the information provided by the user through the graphical user interface.

Methods and apparatus for processing an online payment for an item. In one implementation, the method includes receiving information from a user corresponding to online payment for an item. The information from the user is received through a graphical user interface, and includes an authorization to pay for the item using an electronic check. The method further includes creating an electronic image of an authorized demand draft based on the authorization received from the user. The electronic image of the authorized demand draft is created directly from the information provided by the user through the graphical user interface.

Disclosed is a method by which suretyship bonds and guaranties can be purchased and deployed over the Internet in real time, providing automatic application evaluation and policy binding. The principal's credit card information is used in a repeating cycle of pre-authorized charges so that the card account serves as effective collateral. A bond seal image, safeguarded against piracy, appears in Web pages indicating the existence of bond coverage. A dynamically updated gauge displays the margin of coverage available under the bond at any given moment. Means of integrating the information technology of auction site and surety company are also disclosed. The invention makes possible an unprecedented level of security in user-to-user auction environments and eliminates the need for online escrow services. Means of accepting bidder deposit accounts is also disclosed, enabling automatic, electronic payment the moment an Internet auction closes and eliminating the need for online payment services.

A distributed actual condition search engine based on geographic locations and a trading system comprise a user terminal, a search engine system server end, a chat system server end, an order system server end, a payment settlement system server end and a distributed storage network. When a user inputs business information for ordering at the user terminal, the information is sent to the search engine system server end to search information such as user ID, IP address, port number, commodity content and advertisement of merchants who are closes to the user at the geographic location and return the user terminal, the user is connected with a chat system server end according to the information to chat with the merchants, the user can order and select online payment or offline payment if the user is satisfied, if the online payment is selected, the order can be issued to the payment settlement system server end to conduct settlement payment, and when the user inputs the business information for ordering at the user terminal, the information is sent to the distributed storage network for backup and storage simultaneously.

Systems, methods, and computer-readable media for conducting payments are provided. In one example embodiment, a commercial entity system, in communication with a merchant subsystem and a payment electronic device, includes at least one processor component, at least one memory component, and at least one communications component, wherein the commercial entity system is configured to receive transaction request data from the merchant subsystem, wherein the transaction request data includes a payment device identifier of the payment electronic device and transaction information related to a transaction, transmit payment request data to the payment electronic device, wherein the payment request data includes at least a portion of the transaction information of the received transaction request data, receive payment card data from the payment electronic device based on the transmitted payment request data, and transmit at least a portion of the received payment card data to the merchant subsystem. Additional embodiments are also provided.

System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information.

A mobile device receives an indication of a user request to initiate a payment. The mobile device provides a user interface requesting transaction information corresponding to the payment. The mobile device receives transaction data entered by the user via the user interface. In response to a determination made by the mobile device that a connection to a payment provider cannot be established. A payment request is stored at the mobile device. The payment request corresponds to the transaction data. In response to a subsequent determination made by the mobile device that a connection to the payment provider can be established. The payment request is sent to the payment provider. The payment request is configured to initiate the payment.

Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer.

The invention discloses a mobile payment terminal and a payment method based on the PKI technology, which aim to solve the problem that risks and hidden troubles are existed both on an ID authentication mechanism and an information transmission mechanism in the existing mobile phone payment service. The mobile payment terminal comprises a smart card, a smart card reader-writer, a terminal chip added with the control function and a data interface; the smart card is used for the storage and the application of a digital certificate; the smart card reader-writer is used for performing the read-write operation and clear operation on the smart card; the terminal chip to which the control function is added is used for controlling the smart card reader-writer to access the smart card; and the data interface is used for providing the data communication between the terminal chip and peripheral equipment. A user utilizes the mobile payment terminal to download the digital certificate to the smart card, and complete the secure mobile payment. In addition, the user can also use the mobile terminal to carry out secure online payment instead of a USB KEY when the mobile payment terminal is connected with the peripheral equipment through a data wire or interfaces such as an infrared interface, a Bluetooth interface, and the like.