| 6879964 |
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund |
| Apr-12-2005 |
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed... |
| 6873974 |
System and method for use of distributed electronic wallets |
| Mar-29-2005 |
Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet... |
| 6873973 |
Cash dispensing automated banking machine and method |
| Mar-29-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as... |
| 6871193 |
Method and system for partitioned service-enablement gateway with utility and consumer services |
| Mar-22-2005 |
A gateway for providing consumer services is presented. The gateway includes a secure partition associated with a gateway and operable to control access to at least one utility service and a bundle associated... |
| 6868402 |
Document transmit system and document transmitting method |
| Mar-15-2005 |
In response to a fee payment request issued from an applicant apparatus via a communication network, a payment acceptance server makes a payment credit inquiry of an applicant to a financial institution... |
| 6868391 |
Tele/datacommunications payment method and apparatus |
| Mar-15-2005 |
A tele/datacommunications network has a service node (TSN) (30) which facilitates payment/transfer from a customer account of a customer financial institution (80) to a merchant account of a merchant financial... |
| 6868267 |
Apparatus, method, and article of manufacture used to invoice for services consumed in a communications network |
| Mar-15-2005 |
An apparatus, method, and article of manufacture that provides an efficient way to invoice the users of a communication system (100) for the system resources consumed. Invoicing is based upon flexible... |
| 6856975 |
System, method, and article of manufacture for secure transactions utilizing a computer network |
| Feb-15-2005 |
The present invention is a system or method and device useful for the secure electronic payment of consumer debts over a publicly accessible computer network. The preferred form of the present invention... |
| 6856974 |
Electronic bill presentment technique with enhanced biller control |
| Feb-15-2005 |
An electronic bill presentment system includes network, a central network station, and a plurality of user and biller network stations. Each of the user stations is associated with a respective one of... |
| 6847816 |
Method for making a payment secure |
| Jan-25-2005 |
A mobile telephone is equipped with a smart-card reader to aid in universal payment by smart card. A security checking circuit of the mobile telephone is provided with a complementary function by which... |
| 6842740 |
Method for providing automatic payment when making duplicates of copyrighted material |
| Jan-11-2005 |
A method and system for providing payment when duplicating a document containing copyrighted material, comprising the steps of: locating and electronically reading a billing mark, if it exists, on a document... |
| 6839687 |
Consumer-based system and method for managing and paying electronic billing statements |
| Jan-4-2005 |
A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification... |
| 6839677 |
Transactional data transfer in a network system |
| Jan-4-2005 |
An internet user using a browser (10) connects to a first server (30) and conducts transactions at the site (30). The user is transferred to a second server (32) along with data relating to the transactions... |
| 6836764 |
Tiered interest rate revolving credit system and method |
| Dec-28-2004 |
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining outstanding balance... |
| 6836764 |
Tiered interest rate revolving credit system and method |
| Dec-28-2004 |
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining outstanding balance... |
| 6832212 |
Method and apparatus for manipulating billing and payment information within a browser interface system |
| Dec-14-2004 |
A method for manipulating billing and payment information comprising the steps of: loading billing information stored at a local location; accessing retained criteria; formatting field information within... |
| 6829591 |
Router instruction processor for a digital document delivery system |
| Dec-7-2004 |
A router instruction processor for a digital document delivery system 10 interacts with one or more electronic inserts and a bill processing server to function as a general document fulfillment server.... |
| 6826545 |
Method for settling accounts among a plurality of participants |
| Nov-30-2004 |
A netting service provider determines, on the basis of payment information from netting service participants, the value of security each of the participants is required to deposit. The netting service... |
| 6826544 |
Automated loan repayment |
| Nov-30-2004 |
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... |
| 6826542 |
System and method for collecting, enhancing and distributing invoices electronically via the internet |
| Nov-30-2004 |
The present invention is a central invoicing system. Payors and invoicers can use the central invoicing system by connecting to it by a network, such as the Internet, and using an interaction device, such... |
| 6816721 |
System and method of purchasing products and services using prepaid wireless communications services account |
| Nov-9-2004 |
System and method for enabling the purchase of products and services using a prepaid account associated with a wireless communications device are described. In a preferred embodiment, when a subscriber... |
| 6807410 |
Electronic payment process and system for implementing this process |
| Oct-19-2004 |
Electronic payment process and system for implementing such a process. Customer equipment is mobile equipment, for example of the GSM type. In addition to the customer (C) and the merchant (M), a gateway... |
| 6785590 |
Robotic device management system and method, and information management apparatus |
| Aug-31-2004 |
Robot-related information held at a robot user and data held at a robot manufacturer are used to enhance the user's sense of attachment to the robot. Each terminal device is operable to send information... |
| 6772191 |
System and method for limiting services at a plurality of levels and controlling image orientation via a network |
| Aug-3-2004 |
An apparatus controlling system capable of providing services such as video services and camera control services via a network, with a simple structure and high efficiency. Upon request from a client,... |
| 6760710 |
Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments |
| Jul-6-2004 |
An improved process for the computerized conversion of preferred-return constant-dollar financial instruments into equivalent nominal-dollar instrument. The method includes providing a first digital electrical... |
| 6754640 |
Universal positive pay match, authentication, authorization, settlement and clearing system |
| Jun-22-2004 |
An universal positive pay match, authentication, authorization, clearing and settlement system to reduce check and card fraud. The system includes several technologies for inputting check register information... |
| 6745229 |
Web based integrated customer interface for invoice reporting |
| Jun-1-2004 |
A Web-based invoice viewing system and method for enabling a customer to generate invoices relating to various network services provided to the customer by an enterprise. A Web enabled invoice viewing... |
| 6738810 |
Method and apparatus for encouraging timely payments associated with a computer system |
| May-18-2004 |
A method of encouraging timely period payments that are associated with a computer system includes the step of storing passwords in the computer system wherein each password is associated with a separate... |
| 6738751 |
Credit card rental-cost payment method |
| May-18-2004 |
A method provides for at least potential payment of rental costs by debit from a credit card. A renter's credit card program is established by a financial institution or other commercial lending establishment.... |
| 6738750 |
Method of using a network of computers to facilitate and control access or admission to facility, site, business, or venue |
| May-18-2004 |
The present invention is a method and apparatus that allows for the verification and substantiation of the purchase of access or admission to those facilities, sites, businesses, venues, sporting events,... |
| 6735573 |
Lease termination method |
| May-11-2004 |
A method for derecognizing the commitment of a lessor in an operating lease having a lease liability including the steps of holding by a lessee an operating lease wherein the operating lease has a future... |
| 6728686 |
Electronic money holding device and electronic money automatic payment method |
| Apr-27-2004 |
An electronic money holding device has a first storage unit for storing a uniquely assigned identification number and an amount of held electronic money, a processor for controlling the reference to and... |
| 6725429 |
System and method for presenting and processing documents on the internet |
| Apr-20-2004 |
A digital document delivery system and method for providing to a user an electronic primary document with associated secondary documents. The secondary documents can have relative priorities and are based... |
| 6721783 |
E-mailer controller for privately and securely delivering bank notices, advices and monthly statements |
| Apr-13-2004 |
An e-mailer controller which privately and securely delivers bank notices, advices and monthly statements via the Internet, other e-mail networks or the like. The e-mailer controller allows existing banking... |
| 6721716 |
Payment certification string and related electronic payment system and method |
| Apr-13-2004 |
An electronic statement, bill presentment and payment system and method includes a customer client software program and client database, and a biller server software program and server database connected... |
| 6711680 |
Method of limiting key usage in a postage metering system that produces cryptographically secured indicium |
| Mar-23-2004 |
A method and system for generating messages from which it can be verified that a variable does not exceed a predetermined limit. The message can be a postal indicium. A message originator, which can be... |
| 6704867 |
Method for publishing certification information representative of selectable subsets of rights and apparatus and portable data storage media used to practice said method |
| Mar-9-2004 |
A method for certification by a plurality of certifying authorities of the public key of a user wishing to communicate using a public key encryption system while asserting only a subset of rights. A plurality... |
| 6704714 |
Virtual private lock box |
| Mar-9-2004 |
A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account,... |
| 6704612 |
Transaction validation system for auditing and method |
| Mar-9-2004 |
A computer processing system for a shipment transaction involving a shipper and a carrier. The system is particularly suited to efficiently automate the payment of a shipment transaction and to efficiently... |
| 6697702 |
Shipment transaction system and an arrangement thereof |
| Feb-24-2004 |
A computer processing system for a shipment transaction involving shippers and carriers. The system is particularly suited to efficiently and automatically audit and effect payment of a shipment transaction... |
| 6676310 |
Check writing system and method |
| Jan-13-2004 |
The present disclosure relates to a system and method for facilitating the writing of checks. In some arrangements, the system and methods pertain to receiving data to be included in a check to be printed... |
| 6631358 |
Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions |
| Oct-7-2003 |
The present invention provides tools and techniques for directing funds on behalf of a consumer to a specified account as a beneficial side-effect of a transaction that is primarily directed toward another... |
| 6622137 |
System and method for business decision implementation in a billing environment using decision operation trees |
| Sep-16-2003 |
A decision operation tree ("DO Tree") according to the present invention is a logical tree representation of decision making rules and actions instituted according to those rules. In preferred embodiments... |
| 6618708 |
Processing system for charge request data |
| Sep-9-2003 |
A processing system for charge request data issued from a charge requesting organization performs collective processing of the request data without generating payment slips. This system includes filter... |
| 6615190 |
Sponsor funded stored value card |
| Sep-2-2003 |
A method and system for issuing a sponsor funded stored value card. A sponsor company funds an account associated with the stored value card. The stored value card is issued to a cardholder, who can withdraw... |
| 6615109 |
System and method for generating an action of an automatic apparatus |
| Sep-2-2003 |
The robotic apparatus is designed to act in a wider variety of manners, which will motivate the user of the robotic apparatus to purchase more products to the robotic apparatus. More specifically, a robotic... |
| 6611818 |
Method and apparatus for facilitating customer payments to creditors from a remote site |
| Aug-26-2003 |
A system for facilitating customer payments to creditors from a remote site includes computer systems located at respective agent, service provider and creditor sites. The service provider or host computer... |
| 6609113 |
Method and system for processing internet payments using the electronic funds transfer network |
| Aug-19-2003 |
A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account,... |
| 6609084 |
Data transfer performance measuring system and method |
| Aug-19-2003 |
A system is disclosed for benchmarking data transfers using different transport mechanisms between processes run on various nodes of a network. A central manager component interfaces with a user and reports... |
| 6594647 |
Real time bank-centric universal payment system |
| Jul-15-2003 |
An infrastructure for a real time bank-centric universal payment system (2) in which a central processing system (CPU) defines an electronic commerce trust system (1) formed from a plurality of financial... |
