Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to track, organize, submit, approve, reconcile, and reimburse expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; downloadable computer application software for mobile phone and handheld computers, namely, customer relationship management software; downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories. Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. Sweepstake services, for entertainment purposes, provided to credit card customers. Providing temporary use of on-line non-downloadable software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software for customer relationship management; providing temporary use of on-line non-downloadable software for use in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; software as a service (SAAS) services featuring software in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; software as a service (SAAS) services featuring software for creating and managing expense reports; software as a service (SAAS) services featuring software for customer relationship management.

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to track, organize, submit, approve, reconcile, and reimburse expenses and payments; downloadable computer application software for mobile phone and handheld computers, namely, customer relationship management software; downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories. Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. Sweepstake services, for entertainment purposes, provided to credit card customers. Software as a service (SAAS) services featuring software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software for use in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; providing temporary use of on-line non-downloadable software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (SAAS) services featuring software in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; software as a service (SAAS) services featuring software for customer relationship management.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to track, organize, submit, approve, reconcile, and reimburse expenses and payments; downloadable computer application software for mobile phone and handheld computers, namely, customer relationship management software; downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories. (1) Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. (2) Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. (3) Sweepstake services, for entertainment purposes, provided to credit card customers. (4) Software as a service (SAAS) services featuring software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software for use in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; providing temporary use of on-line non-downloadable software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (SAAS) services featuring software in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; software as a service (SAAS) services featuring software for customer relationship management.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to track, organize, submit, approve, reconcile, and reimburse expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; downloadable computer application software for mobile phone and handheld computers, namely, customer relationship management software; downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories. (1) Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. (2) Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. (3) Sweepstake services, for entertainment purposes, provided to credit card customers. (4) Providing temporary use of on-line non-downloadable software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; providing temporary use of on-line non-downloadable software for customer relationship management; providing temporary use of on-line non-downloadable software for use in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; software as a service (SAAS) services featuring software in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; software as a service (SAAS) services featuring software for creating and managing expense reports; software as a service (SAAS) services featuring software for customer relationship management.

Goods & Services

Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to track, organize, submit, approve, reconcile, and reimburse expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings. Downloadable computer application software for mobile phone and handheld computers, namely, customer relationship management software.; Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties Sweepstake services, for entertainment purposes, provided to credit card customers providing temporary use of on-line non-downloadable software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; Providing temporary use of on-line non-downloadable software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; Providing temporary use of on-line non-downloadable software for customer relationship management; Providing temporary use of on-line non-downloadable software for use in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; software as a service (SAAS) services featuring software in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; Software as a service (SAAS) services featuring software for creating and managing expense reports; Software as a service (SAAS) services featuring software for customer relationship management

Goods & Services

Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties Downloadable computer application software for mobile phones and handheld computers, namely, software for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to track, organize, submit, approve, reconcile, and reimburse expenses and payments; Downloadable computer application software for mobile phone and handheld computers, namely, customer relationship management software; Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties Sweepstake services, for entertainment purposes, provided to credit card customers Software as a service (SAAS) services featuring software for creating and managing expense reports; including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; Providing temporary use of on-line non-downloadable software for use in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; Providing temporary use of on-line non-downloadable software for creating and managing expense reports, including tracking, organizing, submitting, approving, reconciling, and reimbursing expenses and payments; Providing temporary use of on-line non-downloadable software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring software in the field of accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, managing workflows, corporate credit card management and travel bookings; Software as a service (SAAS) services featuring software for customer relationship management.

Abstract

A computer system can implement a network transaction service by monitoring location data from a computing device of a user to confirm that the user is located at a merchant location, receiving transaction data from a point-of-sale terminal of the merchant location, and confirming that the user has left the merchant location based on the location data. The computer system may then automatically execute a transfer operation to fund the transaction using a shared funding account of the network transaction service such that no direct payment interaction is made between the user and the merchant.

IPC Classes  ?

• G06Q 10/02 - Reservations, e.g. for tickets, services or events
• G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

A computer system can receive position information indicating a current location of a user of the network transaction service from a computing device of the user, and generate map content for display on the computing device of the user based on the position information. The map content can indicate locations of a plurality of merchants within a vicinity of the current location of the user that utilize the network transaction service. The system can receive a transaction request from the computing device of the user, the transaction request indicating a transaction amount and a specified merchant of the plurality of merchants. The system then executes a remote transaction operation to transfer funds from a shared account of the network transaction service to a merchant account of the specified merchant to fulfill the transaction request.

IPC Classes  ?

• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

A system receives a chat query based on a user interaction on a computing device of user. The system parses the chat query to identify one or more word patterns in the chat query, and determines a matching plug-in from the plug-in library based at least in part on the one or more word patterns in the chat query. The system utilizes the matching plug-in to access one or more resources and determine a chat response for the chat query, and transmit, over the one or more networks, the chat response to the computing device of the user.

IPC Classes  ?

• H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
• H04L 51/046 - Interoperability with other network applications or services

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. Sweepstake services, for entertainment purposes, provided to credit card customers. Providing temporary use of on-line non-downloadable software for use in the field of accounting; providing temporary use of on-line non-downloadable software for creating and managing expense reports; software as a service (SaaS) services featuring software in the field of accounting; software as a service (SaaS) services featuring software for creating and managing expense reports; technical support services, namely, troubleshooting of computer software problems, web and online application problems, mobile application problems, and network problems.

Abstract

A computing system can receive a primary authorization request from a merchant terminal of a merchant, the primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with the merchant. Based on receiving the primary authorization request, the system can determine that an account balance of the prepaid payment means comprises inadequate funds to fulfill the transaction and automatically transmit a secondary authorization request to a financial entity associated with an account of the user. Upon receiving an approval of the secondary authorization request, the system can execute a transfer for a difference amount, based on an amount corresponding to the transaction, from the account of the user to an account associated with the merchant.

IPC Classes  ?

• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/22 - Payment schemes or models
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

Abstract

Disclosed herein is a system and method for managing financial information. According to an embodiment, electronic purchase data is received from an electronic payment source. The received electronic purchase data is generated into one or more visual representation formats using a transformation server. Once the visual representation has been generated, the visual representation format is rendered using a display device.

IPC Classes  ?

• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. (1) Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. (2) Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. (3) Sweepstake services, for entertainment purposes, provided to credit card customers. (4) Providing temporary use of on-line non-downloadable software for use in the field of accounting; providing temporary use of on-line non-downloadable software for creating and managing expense reports; software as a service (SaaS) services featuring software in the field of accounting; software as a service (SaaS) services featuring software for creating and managing expense reports; technical support services, namely, troubleshooting of computer software problems, web and online application problems, mobile application problems, and network problems.

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties Sweepstake services, for entertainment purposes, provided to credit card customers Providing temporary use of on-line non-downloadable software for use in the field of accounting; providing temporary use of on-line non-downloadable software for creating and managing expense reports; software as a service (SAAS) services featuring software in the field of accounting; software as a service (SAAS) services featuring software for creating and managing expense reports; technical support services, namely, troubleshooting of computer software problems, web and online application problems, mobile application problems, and network problems

Abstract

A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. The computer system can then execute image processing logic to determine a set of information items from the image. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the set of information items using the matching transaction.

IPC Classes  ?

• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
• G06V 30/224 - Character recognition characterised by the type of writing of printed characters having additional code marks or containing code marks
• G06V 30/413 - Classification of content, e.g. text, photographs or tables
• G06Q 40/12 - Accounting
• G06Q 20/04 - Payment circuits

Abstract

An interactive system can utilize microtechnology (e.g., a micro-electromechanical system (MEMS)), such as miniaturized microphone (e.g., a bone-conducting microphone), audio output device, microprocessor, and signal conversion and propagation means to create a personal area network (PAN) for a user. The system can include a voice input device (e.g., worn on one or more teeth of the user) that outputs a near-field magnetic induction (NFMI) signal based on a whisper input by the user. The NFMI signal is either detected by the user's mobile device, or converted into a wireless signal (e.g., a Bluetooth RF signal) detectable by the user's mobile device, for receiving voice commands (e.g., to provide personal assistant services) via a designated application running on the mobile device.

IPC Classes  ?

• H04R 19/04 - Microphones
• G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
• H04R 1/08 - MouthpiecesAttachments therefor
• H04R 1/14 - Throat mountings for microphones
• H04R 1/10 - EarpiecesAttachments therefor

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning Providing a website which features on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing a website that features non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories

Abstract

A computing system can provide a messaging service enabling a plurality of users to transmit and receive messages in connection with an automated peer-to-peer transaction service. The system can identify, within exchanged messages between a first user and a second user of the messaging service, a transaction trigger indicating a transaction request by the first user. Based on identifying the transaction trigger within the exchanged messages, the system automatically executes a transaction from a digital wallet of the second user to a digital wallet of the first user.

IPC Classes  ?

• G06F 40/40 - Processing or translation of natural language
• G06Q 20/22 - Payment schemes or models
• H04L 51/21 - Monitoring or handling of messages

Abstract

A computing system can provide a messaging service enabling a plurality of users to transmit and receive messages in connection with an automated peer-to-peer transaction service. The system can identify, within exchanged messages between a first user and a second user of the messaging service, a transaction trigger indicating a transaction request by the first user. Based on identifying the transaction trigger within the exchanged messages, the system automatically executes a transaction from a digital wallet of the second user to a digital wallet of the first user.

IPC Classes  ?

• G06Q 20/22 - Payment schemes or models
• H04L 51/21 - Monitoring or handling of messages
• G06F 40/40 - Processing or translation of natural language

Abstract

A computing system can implement an automated peer-to-peer (P2P) transaction service in which digital wallets of users are linked with external accounts. The computing system provides a messaging engine that enables users to create chats in which underlying documents may be associated with a particular chat. The system can process information in the chat to automatic transaction triggers that cause the system to automatically execute wallet-to-wallet transfers between users.

IPC Classes  ?

• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/22 - Payment schemes or models

Abstract

A computing system can provide a messaging service enabling a plurality of users to transmit and receive messages in connection with an automated peer-to-peer transaction service. The system can identify, within exchanged messages between a first user and a second user of the messaging service, a transaction trigger indicating a transaction request by the first user. Based on identifying the transaction trigger within the exchanged messages, the system automatically executes a transaction from a digital wallet of the second user to a digital wallet of the first user.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes

Abstract

A computing system can provide an interface for users of a messaging service to exchange messages with other users of the messaging service. The system can associate each exchange of messages with an underlying document, and structure the underlying document of each message exchange so that each message as a comment that is embedded or linked to the document.

IPC Classes  ?

• G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
• G06Q 20/22 - Payment schemes or models
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• H04L 51/06 - Message adaptation to terminal or network requirements
• H04L 67/104 - Peer-to-peer [P2P] networks

Abstract

A computer system can receive position information indicating a current location of a user of the network transaction service from a computing device of the user, and generate map content for display on the computing device of the user based on the position information. The map content can indicate locations of a plurality of merchants within a vicinity of the current location of the user that utilize the network transaction service. The system can receive a transaction request from the computing device of the user, the transaction request indicating a transaction amount and a specified merchant of the plurality of merchants. The system then executes a remote transaction operation to transfer funds from a shared account of the network transaction service to a merchant account of the specified merchant to fulfill the transaction request.

IPC Classes  ?

• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

A system receives a chat query based on a user interaction on a computing device of user. The system parses the chat query to identify one or more word patterns in the chat query, and determines a matching plug-in from the plug-in library based at least in part on the one or more word patterns in the chat query. The system utilizes the matching plug-in to access one or more resources and determine a chat response for the chat query, and transmit, over the one or more networks, the chat response to the computing device of the user.

IPC Classes  ?

• H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
• H04L 51/046 - Interoperability with other network applications or services

Goods & Services

Arranging and conducting trade shows in the fields of business software, namely, financial services and expense management software; arranging and conducting business exhibitions and expositions in the field of business software, namely, financial services and expense management software Educational services, namely, conducting exhibitions, expositions, conferences, live, in-person and on-line seminars, symposiums, colloquiums, discussion groups, and computer application training in the fields of business software, namely, financial services and expense management software; arranging and conducting business conferences in the field of business software, namely, financial services and expense management software

Abstract

A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of a transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means.

IPC Classes  ?

• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/22 - Payment schemes or models

Abstract

A computing system can receive a transaction data set from a computing device of a merchant, which can indicate a transaction between the merchant and a user of a network transaction service. The system verifies the user's location at a merchant location associated with the merchant, and then funds the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shared funding account for an amount corresponding to the transaction.

IPC Classes  ?

• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"

Goods & Services

Downloadable webcasts featuring interviews with educators, motivational speakers and celebrities featuring commentary in the fields of education, movies, sports, politics, news, and current events. Entertainment and educational services in the nature of online interviews featuring educators, motivational speakers and celebrities in the field of movies, sports, politics, news, and current events and entertainment information provided through multiple forms of transmission, namely, the Internet, podcasts, webcasts video on demand streaming and social media platforms for entertainment purposes; providing information related to interviews about movies, sports, politics, news, entertainment information and current events via a website; publication of online interviews featuring educators, motivational speakers and celebrities for entertainment purposes in the field of movies, sports, politics, news, and current events and entertainment information.

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid credit and debit for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments. Dissemination of financial information via a global computer network. Providing on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories via a website; providing online non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments via a website; providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (PAAS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid credit and debit for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments. Dissemination of financial information via a global computer network. Providing on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories via a website; providing non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments via a website; providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (saas) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (asp) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (paas) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Goods & Services

Downloadable webcasts featuring interviews with educators, motivational speakers and celebrities featuring commentary in the fields of education, movies, sports, politics, news, and current events. Entertainment and educational services in the nature of online interviews featuring educators, motivational speakers and celebrities in the field of movies, sports, politics, news, and current events and entertainment information provided through multiple forms of transmission, namely, the internet, podcasts, webcasts video on demand streaming and social media platforms for entertainment purposes; entertainment and educational services in the nature of a website featuring non-downloadable prose in the nature of interviews about movies, sports, politics, news, entertainment information and current events; publication of online interviews featuring educators, motivational speakers and celebrities for entertainment purposes in the field of movies, sports, politics, news, and current events and entertainment information.

Goods & Services

Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. Hosting a website featuring on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; hosting a website featuring non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (PAAS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Goods & Services

(1) Downloadable webcasts featuring interviews with educators, motivational speakers and celebrities featuring commentary in the fields of education, movies, sports, politics, news, and current events. (1) Entertainment and educational services in the nature of online interviews featuring educators, motivational speakers and celebrities in the field of movies, sports, politics, news, and current events and entertainment information provided through multiple forms of transmission, namely, the internet, podcasts, webcasts video on demand streaming and social media platforms for entertainment purposes; entertainment and educational services in the nature of a website featuring non-downloadable prose in the nature of interviews about movies, sports, politics, news, entertainment information and current events; publication of online interviews featuring educators, motivational speakers and celebrities for entertainment purposes in the field of movies, sports, politics, news, and current events and entertainment information.

Goods & Services

(1) Downloadable webcasts featuring interviews with educators, motivational speakers and celebrities featuring commentary in the fields of education, movies, sports, politics, news, and current events. (1) Entertainment and educational services in the nature of online interviews featuring educators, motivational speakers and celebrities in the field of movies, sports, politics, news, and current events and entertainment information provided through multiple forms of transmission, namely, the Internet, podcasts, webcasts video on demand streaming and social media platforms for entertainment purposes; providing information related to interviews about movies, sports, politics, news, entertainment information and current events via a website; publication of online interviews featuring educators, motivational speakers and celebrities for entertainment purposes in the field of movies, sports, politics, news, and current events and entertainment information.

Goods & Services

Downloadable webcasts featuring interviews with educators, motivational speakers and celebrities featuring commentary in the fields of education, movies, sports, politics, news, and current events Entertainment and educational services in the nature of online interviews featuring educators, motivational speakers and celebrities in the field of movies, sports, politics, news, and current events and entertainment information provided through multiple forms of transmission, namely, the Internet, podcasts, webcasts video on demand streaming and social media platforms for entertainment purposes; Entertainment and educational services in the nature of a website featuring non-downloadable prose in the nature of interviews about movies, sports, politics, news, entertainment information and current events; Publication of online interviews featuring educators, motivational speakers and celebrities for entertainment purposes in the field of movies, sports, politics, news, and current events and entertainment information

Abstract

An interactive system can utilize microtechnology (e.g., a micro-electromechanical system (MEMS)), such as miniaturized microphone (e.g., a bone-conducting microphone), audio output device, microprocessor, and signal conversion and propagation means to create a personal area network (PAN) for a user. The system can include a voice input device (e.g., worn on one or more teeth of the user) that outputs a near-field magnetic induction (NFMI) signal based on a whisper input by the user. The NFMI signal is either detected by the user's mobile device, or converted into a wireless signal (e.g., a Bluetooth RF signal) detectable by the user's mobile device, for receiving voice commands (e.g., to provide personal assistant services) via a designated application running on the mobile device.

IPC Classes  ?

• H04B 5/24 - Inductive coupling
• H04B 5/72 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication
• H04R 1/08 - MouthpiecesAttachments therefor
• H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

An interactive system can utilize microtechnology (e.g., a micro-electromechanical system (MEMS)), such as miniaturized microphone (e.g., a bone-conducting microphone), audio output device, microprocessor, and signal conversion and propagation means to create a personal area network (PAN) for a user. The system can include a voice input device (e.g., worn on one or more teeth of the user) that outputs a near-field magnetic induction (NFMI) signal based on a whisper input by the user. The NFMI signal is either detected by the user's mobile device, or converted into a wireless signal (e.g., a Bluetooth RF signal) detectable by the user's mobile device, for receiving voice commands (e.g., to provide personal assistant services) via a designated application running on the mobile device.

IPC Classes  ?

• H04R 1/46 - Special adaptations for use as contact microphones, e.g. on musical instrument, on stethoscope
• H04R 19/04 - Microphones
• G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
• H04R 1/08 - MouthpiecesAttachments therefor
• H04R 1/14 - Throat mountings for microphones
• H04R 1/10 - EarpiecesAttachments therefor

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid cards for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; dissemination of financial information via a global computer network; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments.

Abstract

An interactive system can utilize microtechnology (e.g., a micro-electromechanical system (MEMS)), such as miniaturized microphone (e.g., a bone-conducting microphone), audio output device, microprocessor, and signal conversion and propagation means to create a personal area network (PAN) for a user. The system can include a voice input device (e.g., worn on one or more teeth of the user) that outputs a near-field magnetic induction (NFMI) signal based on a whisper input by the user. The NFMI signal is either detected by the user's mobile device, or converted into a wireless signal (e.g., a Bluetooth RF signal) detectable by the user's mobile device, for receiving voice commands (e.g., to provide personal assistant services) via a designated application running on the mobile device.

IPC Classes  ?

• H04B 5/00 - Near-field transmission systems, e.g. inductive or capacitive transmission systems
• H04R 1/00 - Details of transducers
• H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• H04W 88/06 - Terminal devices adapted for operation in multiple networks, e.g. multi-mode terminals

Goods & Services

Magnetically encoded credit cards; virtual credit card, namely, downloadable software for enabling payment via virtual credit cards; magnetically encoded pre-funded credit and debit cards; downloadable software, recorded software and downloadable mobile software applications, all for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; downloadable software, recorded software, and downloadable mobile software applications, all for use in tracking expenses and payments for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning purposes, and data analytics therefor. Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid cards for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; dissemination of financial information via a global computer network; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments. Providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (PaaS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Abstract

A computer system can implement a network transaction service by monitoring location data from a computing device of a user to confirm that the user is located at a merchant location, receiving transaction data from a point-of-sale terminal of the merchant location, and confirming that the user has left the merchant location based on the location data. The computer system may then automatically execute a transfer operation to fund the transaction using a shared funding account of the network transaction service such that no direct payment interaction is made between the user and the merchant.

IPC Classes  ?

• G06Q 10/02 - Reservations, e.g. for tickets, services or events
• G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Goods & Services

(1) Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. (2) Hosting a website featuring on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; hosting a website featuring non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; providing on-line non-downloadable software for use in procurement, namely, purchasing services and goods for businesses, invoicing, expense management and reimbursement, and financial data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (PAAS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. (1) Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. (2) Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid credit and debit for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments. (3) Providing access to a global computer network for dissemination of financial information. (4) Providing on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories via a website; providing non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments via a website; providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (saas) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; providing on-line non-downloadable software for use in procurement, namely, purchasing services and goods for businesses, invoicing, expense management and reimbursement, and financial data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (asp) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (paas) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. (1) Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid cards for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH (automated clearing house), credit card, debit card, electronic check and electronic payments; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. (1) Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. (2) Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid credit and debit for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments. (3) Providing access to a global computer network for dissemination of financial information. (4) Providing on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories via a website; providing online non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments via a website; providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; providing on-line non-downloadable software for use in procurement, namely, purchasing services and goods for businesses, invoicing, expense management and reimbursement, and financial data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (PAAS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Abstract

A computer system can determine a set of merchant locations utilizing a network transaction service within a vicinity of a user based on position information from the computing device of the user. The system can generate a user interface to present the set of locations to the user. The system can receive a transaction request from the user and automatically execute a transaction process using a shared funding account of the network transaction service to fulfill the request.

IPC Classes  ?

• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/20 - Point-of-sale [POS] network systems

Goods & Services

Downloadable webcasts featuring interviews with educators, motivational speakers and celebrities featuring commentary in the fields of education, movies, sports, politics, news, and current events Entertainment and educational services in the nature of online interviews featuring educators, motivational speakers and celebrities in the field of movies, sports, politics, news, and current events and entertainment information provided through multiple forms of transmission, namely, the Internet, podcasts, webcasts video on demand streaming and social media platforms for entertainment purposes; entertainment and educational services in the nature of a website featuring non-downloadable prose in the nature of interviews about movies, sports, politics, news, entertainment information and current events; publication of online interviews featuring educators, motivational speakers and celebrities for entertainment purposes in the field of movies, sports, politics, news, and current events and entertainment information

Goods & Services

Downloadable webcasts featuring interviews with educators, motivational speakers and celebrities featuring commentary in the fields of education, movies, sports, politics, news, and current events Entertainment and educational services in the nature of online interviews featuring educators, motivational speakers and celebrities in the field of movies, sports, politics, news, and current events and entertainment information provided through multiple forms of transmission, namely, the Internet, podcasts, webcasts video on demand streaming and social media platforms for entertainment purposes; Entertainment and educational services in the nature of a website featuring non-downloadable prose in the nature of interviews about movies, sports, politics, news, entertainment information and current events; Publication of online interviews featuring educators, motivational speakers and celebrities for entertainment purposes in the field of movies, sports, politics, news, and current events and entertainment information

Goods & Services

(1) Magnetically encoded credit cards; virtual credit card, namely, downloadable software for enabling payment via virtual credit cards; magnetically encoded pre-funded credit and debit cards; downloadable software, recorded software and downloadable mobile software applications, all for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; downloadable software, recorded software, and downloadable mobile software applications, all for use in tracking expenses and payments for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning purposes, and data analytics therefor. (1) Providing online business management services; provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes. (2) Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid cards for businesses; payment processing services, namely, credit card and debit card transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; providing financial information on electronic payments via a website; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments. (3) Providing on-line non-downloadable software for use in procurement, namely, purchasing services and goods for businesses, invoicing, expense management and reimbursement, and financial data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; providing a web-based electronic financial platform for corporate buyers and sellers, namely, platform as a service (PaaS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data.

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and automatically enters consumers into a sweepstakes which awards an incentive for winning users to gift to third parties. Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. Sweepstake services, for entertainment purposes, provided to credit card customers. Providing temporary use of online non-downloadable software used for automated generation of expense reports and used for automatically entering consumers into a sweepstakes that awards an incentive for winning users to gift to third parties; software as a service (SAAS) services featuring a computer software platform used for automated generation of expense reports and used for automatically entering consumers into a sweepstakes that awards an incentive for winning users to gift to third parties.

Goods & Services

Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid cards for businesses; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning Providing online business management services; Provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid credit and debit for businesses; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; dissemination of financial information via a global computer network; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments Providing a website which features on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing a website that features non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; Providing a web-based electronic financial platform for corporate buyers and sellers, namely, Platform as a Service (PAAS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data

Goods & Services

Providing online business management services; Provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes Providing a website which features on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing a website that features non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; Providing a web-based electronic financial platform for corporate buyers and sellers, namely, Platform as a Service (PAAS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data

Goods & Services

Providing online business management services; Provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid credit and debit for businesses; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; dissemination of financial information via a global computer network; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments Providing a website which features on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing a website that features non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor; providing on-line non-downloadable software for use in employee expense account management, and data analytics therefor; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; Providing a web-based electronic financial platform for corporate buyers and sellers, namely, Platform as a Service (PAAS) featuring computer software for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data

Goods & Services

(1) Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties. (2) Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties. (3) Sweepstake services, for entertainment purposes, provided to credit card customers.

Goods & Services

Magnetically encoded credit cards; virtual credit card, namely, downloadable software for enabling payment via virtual credit cards; magnetically encoded pre-funded credit and debit cards; downloadable software, recorded software and downloadable mobile software applications, all for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor in connection with accounting and expense accounts; downloadable software, recorded software, and downloadable mobile software applications, all for use in tracking expenses and payments for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning purposes, and data analytics therefor Providing online business management services, including accounting, marketing, business project management, and business development; Provision of business administration and management services in the fields of procurement, invoicing, expense and expense account management and reimbursement, and data analytics therefor; provision of business administration and management services in the fields of employee expense and expense account management, and data analytics thereof; tracking and monitoring business-related expenses for reimbursement, business administration and management purposes Credit card services, namely, issuing business credit cards; virtual credit card services, namely, issuing virtual credit cards; pre-funded card services, namely, issuing pre-paid credit, debit, and telephone credit cards for businesses; Payment processing services, namely, credit card and debit card transaction processing services; Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments; dissemination of financial information via a global computer network; financial services, namely, electronic processing of bill payments and associated remittance and confirmation data; providing electronic bill payment services to billers, customer service provider organizations and payment providers; transaction authorization and settlement services related to bill payments Providing temporary use of on-line non-downloadable software for use in procurement, invoicing, expense management and reimbursement, and data analytics therefor in connection with accounting and expense accounts; providing temporary use of on-line non-downloadable software for use in employee expense account management, and data analytics therefor; Application service provider (ASP) featuring e-commerce software for use as a payment gateway that authorizes processing of credit cards and direct payments for merchants; Providing a web-based electronic financial platform for corporate buyers and sellers, namely, Platform as a Service (PAAS) featuring computer software platforms for transaction and payment processing services, financial record-keeping, management of identity and compliance data, and management of financial data

Abstract

A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means. Based on receiving the approval, the system can transmit an authorization to the point-of-sale terminal of the merchant to authorize the primary authorization request for the transaction.

IPC Classes  ?

• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/22 - Payment schemes or models

Abstract

A computing system implements a network transaction service. Users of the network transaction service can launch a service application to indicate a transaction at a location of a merchant. A transaction data set is then received from a point-of-sale terminal of the merchant, which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount corresponding to the transaction.

IPC Classes  ?

• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"

Abstract

A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. The computer system can then execute image processing logic to determine a set of information items from the image. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the set of information items using the matching transaction.

IPC Classes  ?

• G06Q 20/04 - Payment circuits
• G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human interventionEvaluation of the quality of the acquired patterns
• G06V 30/224 - Character recognition characterised by the type of writing of printed characters having additional code marks or containing code marks
• G06V 30/413 - Classification of content, e.g. text, photographs or tables
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
• G06Q 40/12 - Accounting

Goods & Services

Providing incentive award programs for credit card customers, for the purpose of promoting and rewarding loyalty, by means of a sweepstakes which awards an incentive for winning users of the card to gift to third parties Financial services, namely, credit card processing services, which process credit card transactions from a sweepstakes that awards an incentive for winning users to gift to third parties Sweepstake services, for entertainment purposes, provided to credit card customers

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and payments and makes charitable contributions based upon usage. Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card; promoting the use of credit cards accounts through the administration of charitable award programs. Financial services, namely, charge card, gift card, credit card transactions and payment services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payment, and related charitable contributions based on usage points; providing contributions to charities based on credit card use as part of a customer loyalty program. Providing temporary use of online non-downloadable software for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making aggregated charitable donations to selected charities based on card usage; software as a service (SAAS) services featuring a computer software platform for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making automated aggregated charitable donations to selected charities based on usage.

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and payments and makes charitable contributions based upon usage. Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card; promoting the use of credit cards accounts through the administration of charitable award programs. Financial services, namely, charge card, gift card, credit card and payment services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payment, and related charitable contributions based on usage points; providing charitable contributions for credit card use as part of a customer loyalty program. Providing temporary use of online non-downloadable software for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making aggregated charitable donations to selected charities based on card usage; software as a service (SAAS) services featuring a computer software platform for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making automated aggregated charitable donations to selected charities based on usage.

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and payments and makes charitable contributions based upon usage. Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card; promoting the use of credit cards accounts through the administration of charitable award programs. Financial services, namely, charge card, gift card, credit card and payment services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payment, and related charitable contributions based on usage points; providing charitable contributions for credit card use as part of a customer loyalty program. Providing temporary use of online non-downloadable software for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making aggregated charitable donations to selected charities based on card usage; software as a service (SAAS) services featuring a computer software platform for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making automated aggregated charitable donations to selected charities based on usage.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and payments and makes charitable contributions based upon usage. (1) Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card; promoting the use of credit cards accounts through the administration of charitable award programs. (2) Financial services, namely, charge card, gift card, credit card, debit card, crypto currency, mobile, and bill payment services for charitable contributions; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check, crypto currency, mobile, and bill payment, for charitable contributions based on usage points; providing charitable contributions for credit card use as part of a customer loyalty program. (3) Providing temporary use of online non-downloadable software for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making aggregated charitable donations to selected charities based on card usage; software as a service (SAAS) services featuring a computer software platform for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making automated aggregated charitable donations to selected charities based on usage.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and payments and makes charitable contributions based upon usage. (1) Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card; promoting the use of credit cards accounts through the administration of charitable award programs. (2) Financial services, namely, charge card, gift card, credit card, debit card, crypto currency, mobile, and bill payment services for charitable contributions; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check, crypto currency, mobile, and bill payment, for charitable contributions based on usage points; providing charitable contributions for credit card use as part of a customer loyalty program. (3) Providing temporary use of online non-downloadable software for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making aggregated charitable donations to selected charities based on card usage; software as a service (SAAS) services featuring a computer software platform for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making automated aggregated charitable donations to selected charities based on usage.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software which tracks expenses and payments and makes charitable contributions based upon usage. (1) Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card; promoting the use of credit cards accounts through the administration of charitable award programs. (2) Financial services, namely, charge card, gift card, credit card, debit card, crypto currency, mobile, and bill payment services for charitable contributions; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check, crypto currency, mobile, and bill payment, for charitable contributions based on usage points; providing charitable contributions for credit card use as part of a customer loyalty program. (3) Providing temporary use of online non-downloadable software for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making aggregated charitable donations to selected charities based on card usage; software as a service (SAAS) services featuring a computer software platform for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories, and making automated aggregated charitable donations to selected charities based on usage.

Goods & Services

Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card Financial services, namely, charge card, gift card, credit card and payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payment in the nature of related charitable contributions based on usage points; Providing charitable contributions for credit card use as part of a customer loyalty program; Promoting charities by donating a portion of credit cards revenue to selected charities

Goods & Services

Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card Financial services, namely, charge card, gift card, credit card and payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payment in the nature of related charitable contributions based on usage points; Providing charitable contributions for credit card use as part of a customer loyalty program; Promoting charities by donating a portion of credit cards revenue to selected charities

Goods & Services

Providing incentive award programs for credit card customers through issuance and processing of charitable contributions to selected charitable programs based on points issued for using the card Financial services, namely, charge card, gift card, credit card and payment transaction processing services; providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payment in the nature of related charitable contributions based on usage points; Providing charitable contributions for credit card use as part of a customer loyalty program; Promoting charities by donating a portion of credit cards revenue to selected charities

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorised according to individuals, entities, and/or expense categories; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning; downloadable computer software for automating business processes and employing optical character recognition (OCR) software for expense reporting, expense management, itinerary management, meeting management, vendor payment management, purchasing management, sales force management, customer service, financial reporting, marketing, and preparing sales projections; downloadable mobile applications employing optical character recognition (OCR) software for use in online personal and business process automation for sales, financial management, itinerary management, expense accounting, expense reporting and marketing; downloadable mobile application employing optical character recognition (OCR) software for enabling data synchronisation and enabling predictive analysis and communications about data including receipts relating to automation of personal and commercial business processes, namely, expense management including receipt management and itinerary management; computer software for the management of expense receipts. Providing a website providing use of on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorised according to individuals, entities, and/or expense categories; providing a website providing use of non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorised according to individuals, entities, and/or expense categories; software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorised according to individuals, entities, and/or expense categories; application service provider (ASP) featuring business process automation software including optical character recognition (OCR), for use in automating business processes relating to employee spending, such as expense management, predictive analysis for expense management, itinerary management, meeting management, vendor payment management, payment processing, and predicting trends and future needs related to them; software as a service (SAAS) services, employing optical character recognition (OCR), featuring business software for inventory management, order management, procurement management, invoice management, time and expense reporting, itinerary management, customer management, and purchasing management and monitoring; application service provider (ASP) featuring software, including optical character recognition (OCR) software, for use in online business process automation for sales, financial management, accounting, expense reporting, marketing, and software for use in automation of personal and commercial business processes, namely, expense management including receipt management and expense reporting; software as a service (SAAS) featuring software for the management of expense receipts.

Goods & Services

(1) Downloadable computer software for automating business processes and employing optical character recognition (OCR) software for expense reporting, expense management, itinerary management, meeting management, vendor payment management, purchasing management, sales force management, communicating with customer service agents, financial reporting, marketing analytics, and preparing sales projections; Downloadable mobile applications employing optical character recognition (OCR) software for use in online personal and business process automation for sales record keeping, financial management, itinerary management, expense accounting, expense reporting and marketing analytics; Downloadable mobile application employing optical character recognition (OCR) software for enabling data synchronization and enabling predictive analysis and communications about receipts relating to automation of personal and commercial business processes, namely, expense management including receipt management and itinerary management. (1) Providing business management services to improve business operations, namely, managing expense reporting, logistics, supply chain services, supply chain visibility and synchronization, supply and demand forecasting and product distribution processes for others by use of online software employing optical character recognition (OCR); Business management and consultation in the field of business intelligence; business consultation in the field of expense management employing optical character recognition (OCR); Providing business management consulting services to customers to improve operations by analyzing the customer's expense reporting, logistics, supply chain services, supply chain visibility and synchronization, supply and demand forecasting and product distribution processes. (2) Application service provider (ASP) featuring business process automation software including optical character recognition (OCR), for use in automating business processes relating to employee spending, such as expense management, predictive analysis for expense management, itinerary management, meeting management, vendor payment management, payment processing, and predicting trends and future needs related to them; Software as a service (SAAS) services, employing optical character recognition (OCR), featuring business software for inventory management, order management, procurement management, invoice management, time and expense reporting, itinerary management, customer relationship management, and purchasing management and monitoring; Application service provider (ASP) featuring software, including optical character recognition (OCR) software, for use in online business process automation for sales record keeping, financial management, accounting, expense reporting, marketing analytics, and software for use in automation of personal and commercial business processes, namely, expense management including receipt management and expense reporting.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. (1) Providing non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories. (2) Providing on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories.

Goods & Services

(1) Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning. (1) Providing on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories.

Goods & Services

(1) Downloadable computer software for automating business processes, namely, expense reporting, expense management, travel itinerary management, meeting scheduling and management, vendor payment transaction management, monitoring of purchasing activities, sales force management, customer service, financial reporting, namely, creating, customizing, printing, exporting, and e-mailing financial reports, marketing, and preparing sales projections; Downloadable mobile applications employing optical character recognition (OCR) software for use in online personal and business process automation for sales, financial management, itinerary management, expense accounting, expense reporting and marketing; Downloadable mobile application employing optical character recognition (OCR) software for enabling data synchronization and enabling predictive analysis and communications about data including receipts relating to automation of personal and commercial business processes, namely, expense management including receipt management and itinerary management. (1) Application service provider (ASP) featuring business process automation software for expense management, predictive analysis for expense management, itinerary management, meeting management, vendor payment management, payment processing, and predicting trends and future needs related to them; Software as a service (SAAS) services, featuring business software for expense management, inventory management, order management, procurement management, invoice management, time and expense reporting, itinerary management, customer management, and purchasing management and monitoring; Application service provider (ASP) featuring business software for use in online business process automation for sales, financial management, accounting, expense reporting, marketing, and software for use in automation of personal and commercial business processes, namely, expense management including receipt management and expense reporting.

Goods & Services

(1) Computer software for accounting, bookkeeping, tax preparation, tax return filing, business process management, and financial planning; Computer software to track sales, expenses, and payments; Computer software to analyze the financial status of businesses; Computer software for use in reviewing transactions, transaction reconciliation, and providing a summary of all transactions; Computer software for use in identifying transactions that deviate from historical and trend-based actions. (1) Providing temporary use of online non-downloadable software for accounting, bookkeeping, tax preparation, tax return filing, business process management, and financial planning; Providing temporary use of online non-downloadable computer software to track sales, expenses, and payments; Providing temporary use of online non-downloadable software to analyze the financial status of businesses; Providing temporary use of online non-downloadable software for reviewing transactions, transaction reconciliation, and providing a summary of all transactions; Providing temporary use of online non-downloadable software for use in identifying transactions that deviate from historical and trend-based actions.

Abstract

A computer system can implement a network transaction service through communications with computing devices of users of the service, a reservation store of registered businesses, and point-of-sale terminals of the registered businesses. The computer system can access the reservation store to detect a reservation made by a respective user of the network transaction service with a selected business. The computer system can then receive a request made by the respective user to utilize the network transaction service at a merchant location of the selected business within a predetermined threshold after a reservation time. The computer system can then receive transaction data from a point-of-sale terminal of the selected business, fund the transaction using a shared funding account of the network transaction service, and transfer funds from a customer account of the respective user to the shared funding account in an amount corresponding to the transaction.

IPC Classes  ?

• G06Q 10/02 - Reservations, e.g. for tickets, services or events
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning Providing a website which features on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing a website that features non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories

Goods & Services

Providing a website which features on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing a website that features non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories

Goods & Services

Downloadable computer application software for mobile phones and handheld computers, namely, software that enables users to scan receipts, odometer readings, and business cards and to allow character recognition of them for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition to track expenses and payments; Downloadable computer application software for mobile phones and handheld computers, namely, software which enables users to perform scanning and character recognition for accounting, bookkeeping, tax preparation, transaction processing, transaction management, business process management, and financial planning Providing a website which features on-line non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Providing a website that features non-downloadable computer software which enables users to perform scanning and character recognition to track expenses and payments; Providing temporary use of online non-downloadable software which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories; Software as a service (SAAS) services featuring a computer software platform which enables users to perform scanning and character recognition of receipts, odometer readings, and business cards for use in an automated generation of expense reports that are categorized according to individuals, entities, and/or expense categories

Abstract

A computer system can implement a network transaction service by receiving a transaction request from a computing device of a requesting user that has a customer account linked to the network transaction service. Based on the transaction request, the computer system can determine a merchant account of the registered merchant that is linked to the network transaction service. The computer system can then execute a remote transaction operation to transfer funds from a shared account of the network transaction service to the merchant account to fulfill the transaction request, where the shared account is different from the customer account of the requesting user.

IPC Classes  ?

• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

A computer system can implement a network service by receiving, from a computing device of a user, image data comprising an image of a record. the computer system can then execute image processing logic to determine a first set of information items from the image, and identify a second set of information items that are not determinable from the record. The computer system may then execute augmentation logic to process the record by (i) accessing a transaction database to identify a plurality of transactions made by the user, (ii) using the first set of information items, identifying a matching transaction from the plurality of transactions that pertains to the record, and (iii) resolving the second set of information items using the matching transaction. The computer system can classify the record in a user account of and generate an expense report for the user.

IPC Classes  ?

• G06Q 20/04 - Payment circuits
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
• G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
• G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints

Abstract

A computing system implements a network transaction service in which prepaid cards physically residing at merchant locations. Users of the network transaction service can launch a service application to indicate a transaction at the merchant location. A transaction data set is then received from a point-of-sale terminal at the merchant location—corresponding to use of the prepaid card—which enables the computing system to fund the transaction from a shared funding source of the network transaction service. Subsequently, the computing system can access a customer account of the user to reimburse the shard funding account for an amount of the transaction.

IPC Classes  ?

• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"

Goods & Services

Downloadable computer software for automating business processes including expense reporting, expense management, itinerary management, meeting management, vendor payment management, purchasing management, sales force management, customer service, financial reporting, marketing, and preparing sales projections; Downloadable mobile applications employing optical character recognition (OCR) software for use in online personal and business process automation for sales, financial management, itinerary management, expense accounting, expense reporting and marketing; Downloadable mobile application employing optical character recognition (OCR) software for enabling data synchronization and enabling predictive analysis and communications about data including receipts relating to automation of personal and commercial business processes, namely, expense management including receipt management and itinerary management Application service provider (ASP) featuring business process automation software for expense management, predictive analysis for expense management, itinerary management, meeting management, vendor payment management, payment processing, and predicting trends and future needs related to them; Software as a service (SAAS) services, featuring business software for expense management, inventory management, order management, procurement management, invoice management, time and expense reporting, itinerary management, customer management, and purchasing management and monitoring; Application service provider (ASP) featuring business software for use in online business process automation for sales, financial management, accounting, expense reporting, marketing, and software for use in automation of personal and commercial business processes, namely, expense management including receipt management and expense reporting

Abstract

A computer system can implement a network transaction service by receiving, over the one or more wireless networks, request data from mobile computing devices of requesting users of the network transaction service. The request data can identify the requesting user and include a transaction request to utilize the network transaction service at a merchant location of a registered merchant. In response to receiving the request data, the system can determine a merchant account of the registered merchant linked to the network transaction service, and identify a customer account of the requesting user. The computer system may then initiate fund transfers between a shared fund account of the network transaction service, the merchant account, and the customer account to fulfill the transaction request.

IPC Classes  ?

• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/20 - Point-of-sale [POS] network systems

Goods & Services

Downloadable computer software for automating business processes including expense reporting, expense management, itinerary management, meeting management, vendor payment management, purchasing management, sales force management, customer service, financial reporting, marketing, and preparing sales projections; Downloadable mobile applications employing optical character recognition (OCR) software for use in online personal and business process automation for sales, financial management, itinerary management, expense accounting, expense reporting and marketing; Downloadable mobile application employing optical character recognition (OCR) software for enabling data synchronization and enabling predictive analysis and communications about data including receipts relating to automation of personal and commercial business processes, namely, expense management including receipt management and itinerary management Application service provider (ASP) featuring business process automation software for expense management, predictive analysis for expense management, itinerary management, meeting management, vendor payment management, payment processing, and predicting trends and future needs related to them; Software as a service (SAAS) services, featuring business software for expense management, inventory management, order management, procurement management, invoice management, time and expense reporting, itinerary management, customer management, and purchasing management and monitoring; Application service provider (ASP) featuring business software for use in online business process automation for sales, financial management, accounting, expense reporting, marketing, and software for use in automation of personal and commercial business processes, namely, expense management including receipt management and expense reporting

Abstract

A system, computer readable medium, and method of receiving a primary authorization request at a first authorization switch using a prepaid card that lacks adequate funds in the prepaid account to cover the requested purchase amount, and initiating a secondary authorization request using a funding account identifier associated with a funding account that does contain adequate funds to cover the requested purchase amount.

IPC Classes  ?

• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/22 - Payment schemes or models

Goods & Services

(1) Providing temporary use of on-line non-downloadable software for use in the field of accounting; providing temporary use of on-line non-downloadable software for creating and managing expense reports; software as a service (SAAS) services featuring software in the field of accounting; software as a service (SAAS) services featuring software for creating and managing expense reports; technical support services, namely, troubleshooting of computer software problems, web and online application problems, mobile application problems, and network problems.

Abstract

A system, computer readable medium, and method of receiving a primary authorization request at a first authorization switch using a prepaid card that lacks adequate funds in the prepaid account to cover the requested purchase amount, and initiating a secondary authorization request using a funding account identifier associated with a funding account that does contain adequate funds to cover the requested purchase amount.

IPC Classes  ?

• G06Q 20/00 - Payment architectures, schemes or protocols
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

Disclosed herein is a system and method for managing financial information. According to an embodiment, electronic purchase data is received from an electronic payment source. The received electronic purchase data is generated into one or more visual representation formats using a transformation server. Once the visual representation has been generated, the visual representation format is rendered using a display device.

IPC Classes  ?

• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes

Abstract

A computer system initiates a chat upon receiving a chat input from a user. The computer system records a chat state for the chat. When the chat is at the chat state, the computer system can operate to determine a search criterion from the chat input. The computer can then select a chat response from a chat library based at least in part on the chat state and the search criterion. The chat response can be communicated to the user.

IPC Classes  ?

• H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
• H04L 51/046 - Interoperability with other network applications or services

Abstract

A reservation store is monitored for a business in order to detect when a customer of the network transaction service makes a reservation with the business. At about a time of the reservation, a courier to provide the merchant at the reservation location with a card instrument of the network transaction service. A transaction resulting from the reservation may be funded by allocating funds to the card instrument. A receipt of the transaction may be provided to the customer after the transaction is completed.

IPC Classes  ?

• G06Q 10/02 - Reservations, e.g. for tickets, services or events
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
• G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems

Goods & Services

Downloadable computer software for automating business processes and employing optical character recognition (OCR) software for expense reporting, expense management, itinerary management, meeting management, vendor payment management, purchasing management, sales force management, customer service, financial reporting, marketing, and preparing sales projections; Downloadable mobile applications employing optical character recognition (OCR) software for use in online personal and business process automation for sales, financial management, itinerary management, expense accounting, expense reporting and marketing; Downloadable mobile application employing optical character recognition (OCR) software for enabling data synchronization and enabling predictive analysis and communications about data including receipts relating to automation of personal and commercial business processes, namely, expense management including receipt management and itinerary management Application service provider (ASP) featuring business process automation software including optical character recognition (OCR), for use in automating business processes relating to employee spending, such as expense management, predictive analysis for expense management, itinerary management, meeting management, vendor payment management, payment processing, and predicting trends and future needs related to them; Software as a service (SAAS) services, employing optical character recognition (OCR), featuring business software for inventory management, order management, procurement management, invoice management, time and expense reporting, itinerary management, customer management, and purchasing management and monitoring; Application service provider (ASP) featuring software, including optical character recognition (OCR) software, for use in online business process automation for sales, financial management, accounting, expense reporting, marketing, and software for use in automation of personal and commercial business processes, namely, expense management including receipt management and expense reporting

Goods & Services

Providing online business management services; Providing online data management services employing optical character recognition (OCR) software for managing businesses and increasing business productivity; Providing business information and consulting in the field of data management relating to business management and business productivity; Business management consultation services; providing business management services to improve business operations, namely, managing expense reporting, logistics, supply chain services, supply chain visibility and synchronization, supply and demand forecasting and product distribution processes for others by use of online software employing optical character recognition (OCR); Business management and consultation in the field of business intelligence; business consultation in the field of expense management employing optical character recognition (OCR); Providing business management consulting services to customers to improve operations by analyzing the customer's expense reporting, logistics, supply chain services, supply chain visibility and synchronization, supply and demand forecasting and product distribution processes

Abstract

A service can perform optical character recognition (OCR) on an image of a record to determine a first set of information items about the record. A second set of information items can be identified that are likely part of the record but not determinable from performing OCR on the image. Another resource can be utilized to determine the second set of information items. A classification for the record can be determined based on first and second sets of information items. The record can be associated with a financial resource of the user based at least in part on the classification.

IPC Classes  ?

• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
• G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

Goods & Services

Providing temporary use of on-line non-downloadable software for use in the field of accounting; providing temporary use of on-line non-downloadable software for creating and managing expense reports; software as a service (SAAS) services featuring software in the field of accounting; software as a service (SAAS) services featuring software for creating and managing expense reports; technical support services, namely, troubleshooting of computer software problems, web and online application problems, mobile application problems, and network problems.

Abstract

A network service operates to initialize and link a card instrument to a merchant or merchant location, so that the merchant can receive funds the service. One or more requests are detected to use the card instrument for one or more transactions, where each transaction involves a corresponding customer who has registered a customer funding account with the network service. For each of the transactions, a merchant account is funded using a funding account of the card instrument.

IPC Classes  ?

• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

A network service operates to initialize and link a card instrument to a merchant or merchant location, so that the merchant can receive funds the service. One or more requests are detected to use the card instrument for one or more transactions, where each transaction involves a corresponding customer who has registered a customer funding account with the network service. For each of the transactions, a merchant account is funded using a funding account of the card instrument.

IPC Classes  ?

• G06Q 20/00 - Payment architectures, schemes or protocols
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

A network service operates to initialize and link a card instrument to a merchant or merchant location, so that the merchant can receive funds the service. One or more requests are detected to use the card instrument for one or more transactions, where each transaction involves a corresponding customer who has registered a customer funding account with the network service. For each of the transactions, a merchant account is funded using a funding account of the card instrument.

IPC Classes  ?

• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"

Abstract

A service can perform optical character recognition (OCR) on an image of a record to determine a first set of information items about the record. A second set of information items can be identified that are likely part of the record but not determinable from performing OCR on the image. Another resource can be utilized to determine the second set of information items. A classification for the record can be determined based on first and second sets of information items. The record can be associated with a financial resource of the user based at least in part on the classification.

IPC Classes  ?

• G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern

Abstract

A service can perform optical character recognition (OCR) on an image of a record to determine a first set of information items about the record. A second set of information items can be identified that are likely part of the record but not determinable from performing OCR on the image. Another resource can be utilized to determine the second set of information items. A classification for the record can be determined based on first and second sets of information items. The record can be associated with a financial resource of the user based at least in part on the classification.

IPC Classes  ?

• G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
• G06K 9/03 - Detection or correction of errors, e.g. by rescanning the pattern
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists