| 7043441 |
Method and apparatus using digital credentials and other electronic certificates for electronic transactions |
| May-9-2006 |
A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term certificate... |
| 7035872 |
Recurrent billing maintenance system |
| Apr-25-2006 |
A system for updating a merchant customer account database is provided, wherein the system may be used to update a merchant's customer database in response to changes made to a customer transaction account.... |
| 7031940 |
Charge collecting system and program for controlling the same |
| Apr-18-2006 |
A system which improves convenience on the user side and contributes to a cost reduction on the sales shop side is provided. A sales shop 2 manages requested contents to the users by a notice information... |
| 7028891 |
System and method for confirming transaction or billing communications |
| Apr-18-2006 |
A system and method for confirming transactions is provided. A central processor receives a request to process a current transaction coupled with prior transaction information corresponding to a prior... |
| 7024395 |
Method and system for secure credit card transactions |
| Apr-4-2006 |
A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant information.... |
| 7024389 |
System and method for using a payroll deduction card as a payment instrument |
| Apr-4-2006 |
The present invention relates to a system and method for using an e-duction card as a payment instrument, whereby a purchase price of articles purchased on-line or off-line is deducted from an employee's... |
| 7021530 |
System and method for managing and processing stored-value cards and bill payment therefrom |
| Apr-4-2006 |
A system and method for managing and processing stored-value debit, check card, signature debit, PIN based card or automatic teller machine (ATM) cards and bill payment from a variety of access points.... |
| 7020631 |
Method for mortgage and closed end loan portfolio management |
| Mar-28-2006 |
A method for mortgage and closed end loan portfolio management in the form of an analytic tool designed to improve analysis of past and future performance of loan portfolios. In accordance with one aspect... |
| 7013293 |
Portable transaction device |
| Mar-14-2006 |
A portable transaction device including transaction apparatus operative to participate in a monetary transaction, authorization apparatus operative to authorize the transaction apparatus to operate based... |
| 7010792 |
Method for managing interaction between information appliances and appliance services |
| Mar-7-2006 |
The present invention provides a universal information appliance management system capable of executing transactions, including financial transactions, across a distributed network. Additionally, the present... |
| 7006994 |
Automated receivables management system |
| Feb-28-2006 |
An automated receivables management system that provides a self-service collection environment using an electronic network, such as the Internet or a PCS, as a medium for communication and transaction... |
| 7006993 |
Method and apparatus for surrogate control of network-based electronic transactions |
| Feb-28-2006 |
A surrogate system for the transparent control of electronic commerce transactions is provided through which an individual without a credit card is enabled to shop at online merchant sites. Upon opening... |
| 7006964 |
Communication terminals |
| Feb-28-2006 |
A system, method and apparatus are described for delivering software to a terminal 1. Before software is delivered, an emulator 51 is invoked to validate the operation of the new software in... |
| 7003495 |
Portable electronic authorization system and method |
| Feb-21-2006 |
In one embodiment an apparatus includes a housing; a user authenticator, supported by the housing, that authenticates an identity of a user; at least one memory, supported by the housing, that stores transaction... |
| 7003494 |
Preprocessor system and method for rejection of duplicate invoices |
| Feb-21-2006 |
An accounts payable system in which invoices submitted by electronic data interchange (EDI) are audited for duplicate invoices prior to them being entered into the production database, or environment.... |
| 6996542 |
System and method for paying bills and other obligations including selective payor and payee controls |
| Feb-7-2006 |
A system and method for paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interfacee, a bill generator, and a TCF message... |
| 6993507 |
Bar coded bill payment system and method |
| Jan-31-2006 |
A bill payment system consistent with the invention comprises a biller generating at least one invoice for at least one customer, the invoice comprising a unique bar code comprising data identifying at... |
| 6990467 |
Method, apparatus and program for pricing, transferring, buying, selling and exercising of freight cargo options on the World Wide Web |
| Jan-24-2006 |
An apparatus, method and program for determining the price of an option to pay for or sell cargo freight facility on the Internet and for facilitating the sale and exercise of those options including the... |
| 6990466 |
Method and system for integrating core banking business processes |
| Jan-24-2006 |
A system and method are provided for integrating core banking business processes which includes a business platform in which two or more selected banking processes common to the core banking business are... |
| 6988085 |
System and method for real-time electronic inquiry, delivery, and reporting of credit information |
| Jan-17-2006 |
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment, the system... |
| 6987987 |
Method and system for providing advanced notice of cost to access web content |
| Jan-17-2006 |
A method and system for providing advanced notice of cost to access web content. During transmission of web content over a communication path between a content server and a client station, an intermediation... |
| 6983261 |
System and method for causing multiple parties to be paid from a single credit card transaction |
| Jan-3-2006 |
A point of sale credit card payment system allowing multiple payments to be made to various payees from a single credit card transaction or any other form of electronic payment. Software, firmware, or... |
| 6980968 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-27-2005 |
A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The... |
| 6976008 |
Internet billing method |
| Dec-13-2005 |
An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the Internet... |
| 6973441 |
Method and apparatus for managing accounts payable |
| Dec-6-2005 |
The present invention is a method for operating a computer-based accounts payable system. The user inputs a bill that includes a billing code. The system then determines whether the billing code is present... |
| 6972859 |
Authorizing the printing of digital images |
| Dec-6-2005 |
A method of authorizing the making of images on a receiver such as postage stamps by a receiving agency includes electronically transmitting a digital image file over a channel to the receiving agency... |
| 6970846 |
Automated banking machine configuration method |
| Nov-29-2005 |
A method for visual programming an automated transaction machine (12). The method includes the creation of terminal directors (225) that generally correspond to transactions performed by the... |
| 6970843 |
Financial management system |
| Nov-29-2005 |
A financial transaction network includes a customer network serviced by a host processor. The financial transaction network provides customers with a plurality of diverse and interchangeable financial... |
| 6968320 |
Data interpreter for RBOC bills |
| Nov-22-2005 |
A data management method and system to more correctly bill a customer of a reseller of telephone service, based on wholesale billing data of a telephone company. The wholesale billing data is divided into... |
| 6968319 |
Electronic bill presentment and payment system with bill dispute capabilities |
| Nov-22-2005 |
A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a... |
| 6968175 |
Method and system for sharing transmission revenue between mobile operators and content providers |
| Nov-22-2005 |
A method and system for revenue sharing between mobile operators and content providers. The content providers, through a data network, provide data services to the end users of the mobile operators. For... |
| 6947907 |
Process for managing ownership of a valuable item |
| Sep-20-2005 |
An ownership management process (32) is practiced with the aid of a computer system (18) having access to a database (38) which includes data describing any number of leases. The subject... |
| 6944595 |
Apparatus and method for performing conversion between different units of currency using an encapsulated conversion path of exchange rates |
| Sep-13-2005 |
A conversion path for converting between two different currencies is defined as a series of simple exchange rate objects and is encapsulated within a compound exchange rate object. The intelligence regarding... |
| 6941285 |
Method and system for a virtual safe |
| Sep-6-2005 |
A transaction server for performing a transaction over a network using a virtual smart card the server comprising, a virtual smart card database having a plurality of records each record including a virtual... |
| 6941282 |
Methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts |
| Sep-6-2005 |
Disclosed herein are computer-implemented methods and systems for securely carrying out electronic transactions including electronic drafts, wherein payment on at least one of the drafts is contingent... |
| 6941281 |
Automated payment |
| Sep-6-2005 |
Systems and methods for automated loan repayment involve utilizing consumer payment authorization, clearing, and settlement systems to allow a merchant to reduce an outstanding loan amount. After a customer... |
| 6938051 |
Method, storage medium and system for electronically viewing multi-page document while preserving appearance of printed pages |
| Aug-30-2005 |
An electronic Yellow Pages viewer shows the pages of a Yellow Pages directory as they appear in the bound version. The print queue used to print the bound version is intercepted, and each page is rasterized... |
| 6934691 |
System and method for managing mail/bills through a central location |
| Aug-23-2005 |
The present invention is a system and method for managing mail/bills from a central online location. Mail/bills are sent/forwarded to the central online location via electronically or traditional mailing... |
| 6918537 |
System and method for managing stored-value card data |
| Jul-19-2005 |
A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible... |
| 6915272 |
System and method of secure payment and delivery of goods and services |
| Jul-5-2005 |
A system, method and computer program for ordering, paying for and delivering goods and services from a content provider to a user which assures the content provider that he will be paid and that assures... |
| 6915266 |
Method and system for providing evaluation data from tracked, formatted administrative data of a service provider |
| Jul-5-2005 |
An agent-neutral computerized method for processing administrative data of a medical service provider, including defining standard administrative data formats for use by a medical service provider system,... |
| 6912514 |
Content distribution system and a reference server |
| Jun-28-2005 |
A content distribution system includes a plurality of distribution servers (101-108), and a reference server (112). The reference server (112) holds URLs showing network locations of the plurality of distribution... |
| 6910021 |
Financial management system including an offset payment process |
| Jun-21-2005 |
The present invention is a system that includes a first financial management system handling receivables and a second financial management system handling payables. The receivables system sends debt offset... |
| 6898570 |
Billing statement customer acquistion system |
| May-24-2005 |
A customer acquisition system is disclosed that allows an offeror service provider to acquire new customers by making acquisition offers to customers through the billing statements of other businesses... |
| 6889205 |
Method and system for electronically presenting a statement, message, or file |
| May-3-2005 |
A system and method for preparing and electronically delivering a statement, message, or file to a party. The method may comprise receiving from a party an electronic statement, message, or file, preparing... |
| 6886741 |
Electronic transaction system |
| May-3-2005 |
An all-purpose transaction system using a universal card is disclosed herein. The universal card is issued by a transaction card processing center (TCPC) and can be used for various purposes and to conduct... |
| 6885877 |
Portable communication device and system using the portable communication device and attachment for a portable communication device |
| Apr-26-2005 |
A portable communication device is used in a digital money system so as to pay for purchase by digital money by using the portable communication device. A remote communication interface interfaces radio-frequency... |
| 6883004 |
Automated invoice receipt and management system |
| Apr-19-2005 |
An automated invoice management system includes a network circuit for communicating invoice transactions with a plurality of client systems. The automated invoice management system receives an import invoice... |
| 6882986 |
Method for automatic processing of invoices |
| Apr-19-2005 |
A computerized method of automatically generating payment for electronic billing data including automatically obtaining billing data in an electronic format from a billing party for a billable party, and... |
| 6880157 |
System and method of providing a virtual appliance |
| Apr-12-2005 |
The present invention provides a universal information appliance management system capable of utilizing a distributed object system without regard to whether the appliance is embodied as a hardware device... |
