摘要:
A method of providing a craft kit involves providing a kit including a frame with a window and a collection of beads presenting a plurality of colors and a pre-selected, fixed number of beads of each color. After providing the craft kit an image is received from a user. A bead template is generated by assigning a bead color to each of a plurality of bead positions on the template document to create a representation of the image using only beads from the collection of beads in the craft kit, and including a bead color indicator in each of said positions on the template document corresponding to the assigned bead color. Once the bead template document is created, it is transferred to the user to enable assembly of a bead array on the frame presenting the representation of the image.
摘要:
Mobile decoupled payments account systems and computer-implemented methods provide a decoupled mobile payments account and processing for payments made with a decoupled mobile payments account. A demand deposit account of an accountholder is associated with a decoupled mobile payments account that enables a mobile device to be used in making proximity or remote payments. Embodiments include mobile decoupled payments accounts based upon open or closed loop processing networks and mobile decoupled payments accounts that are ACH-direct accounts. An issuer of the mobile decoupled payments account authorizes or declines transactions and, for approved transactions, initiates an ACH transaction to obtain funds corresponding to an approved purchase transaction from the demand deposit account of the accountholder. Embodiments include person-to-person mobile payments and merchant-specific gifts and prioritized selection of accounts associated with a decoupled mobile payments account for processing a purchase transaction made with a mobile device.
摘要:
A method for developing a direct person-to-person multilevel direct affiliate marketing network using electronic communications makes a first person an affiliate member of an affiliate marketing program via an online registration process. An electronic communication is generated that has a unique hyperlink that, when selected, links to a source associated with the affiliate marketing program and identifies the first person so that a commission can be allocated to the first person based upon purchases made at the source as a result of access to the source via the link. The first person can forward the electronic communication to others who can use the link to access the source and purchase products or services and/or become an affiliate member. A person that becomes a new affiliate member as a result of accessing the source via the link is placed in a developing network organization of the first person. The process repeats by generating a unique hyperlink for the second person, thereby allowing the new affiliate member to forward electronic communications having his or her unique identifying link to others.
摘要:
A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase.
摘要:
Methods for providing a payment account enabling an accountholder of the account to obtain discounts on purchases made at point of sale terminals of a plurality of different merchants and to pay for the purchases with the provided account. Methods further include providing an accountholder of the payment account an online user-account that enables the accountholder to access websites corresponding to the plurality of different merchants and to obtain a discount on each online purchase made at said websites by virtue of said access to a website at which said online purchase is made from said online user-account. The methods further include providing payment accounts to persons sponsored by the accountholder and to individuals sponsored by such sponsored persons and paying commissions to the accountholder based upon purchases made at point of sale terminals of the plurality of different merchants by persons or individuals within such a sponsored network.
摘要:
A system and method employs an online site for making stored digital video recordings available for selection and download to a wireless communications device. Upon receipt of a selection for a digital video recording, the system and method causes the selected digital video recording to be wirelessly transmitted to the wireless communications device. The selected digital video recording is also made available to a personal computer associated with the user who made the selection. At least a title of the selected digital video recording is stored in a personal storage account of the user.
摘要:
A system and method for receiving an electronic response to an advertisement that is wirelessly transmitted to a mobile wireless communications device involve routing a connection from the wireless communications device to a source based at least in part on a location of the mobile wireless communications device. A wireless communications device has an input and a display and, in response to an input indicating interest in that which is advertised, transmits its location for use in routing a connection with a source associated with the advertisement.
摘要:
A system and method for substantially increasing billing flexibility on communications or media accounts which also offer user users the ability to make electronic purchases or other financial transactions, where those transactions are accounted for with an additional account or with the same account through which the media or communications services are offered. Charges associated with use of the communications service or making of the financial transactions may be increased or reduced depending on such factors as volume of use, number of transactions, and a monetary value of the transactions.
摘要:
A system and method for depositing salary payments directly into an account that is associated with at least one of a communications service and an Internet feature, such as auction, search, communication, hosting, social community, content aggregation, media downloading or streaming, whereafter the deposited money is available to be used in electronic commerce or to be otherwise withdrawn. The account may be maintained either by a communication service provider associated with the account or by a financial service provider (e.g., a bank) in partnership with a provider of communications and/or Internet services or with the ability to support such communications/Internet offerings.
摘要:
A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase.