| 6584453 |
Reversible move/merge operation for a general ledger |
| Jun-24-2003 |
One embodiment of the present invention provides a system for moving balances from at least one source account into a target account and subsequently reversing the movement. The system operates by receiving... |
| 6584444 |
Virtual private network service provider for asynchronous transfer mode network |
| Jun-24-2003 |
A virtual private network service provider is used to transfer data over a data network to a final destination, with third-party billing. The method comprises the steps of: prompting the user at a data... |
| 6581042 |
Tokenless biometric electronic check transactions |
| Jun-17-2003 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic identicator and at least one payor bid biometric sample is described. The method comprises a payor registration... |
| 6578015 |
Methods, devices and systems for electronic bill presentment and payment |
| Jun-10-2003 |
A computer-implemented method of presenting an electronic bill from a biller to a customer over a computer network includes steps of receiving biller-originated bill data and bill format data over the... |
| 6574608 |
Web-based system for connecting buyers and sellers |
| Jun-3-2003 |
A Web-based buyer-driven system of commerce efficiently and inexpensively connects buyers and sellers. In general, the system includes a Web site globally accessible by potential buyers and sellers. Potential... |
| 6574605 |
Method and system for strategic services enterprise workload management |
| Jun-3-2003 |
The invention provides a system and method for strategic services enterprise workload management and more particularly to an automated method and system for enterprise workload management that enables... |
| 6571149 |
Shipment transaction system and method |
| May-27-2003 |
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... |
| 6567821 |
Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information |
| May-20-2003 |
This disclosure describes a system that electronically collects, translates, groups, and delivers wage assignment information from at least one initiator to at least one recipient via an accumulator. An... |
| 6546376 |
Electronic payment device using balanced binary tree and the method of the same |
| Apr-8-2003 |
Disclosed is an electronic payment device and its method using an balanced binary tree for calculating a first data X.sub.k of current consumption or a plurality of root values R.sub.q from an initial... |
| 6532450 |
Financial management system including an offset payment process |
| Mar-11-2003 |
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... |
| 6526409 |
Data element characteristics |
| Feb-25-2003 |
A method for provisioning at least one subscriber characteristic in a billing system includes the steps of creating at least one subscriber characteristic record. The method continues by creating a one... |
| 6516996 |
Electronic payment system |
| Feb-11-2003 |
Equipment and method for acknowledging a transaction in an electronic payment system, comprising first processing means for providing electronic receipts corresponding to payments, second processing means... |
| 6513042 |
Internet test-making method |
| Jan-28-2003 |
A method of making a tests, assessments, surveys and lesson plans with images and sound files and posting them on-line for potential users. Questions are input by a test-maker and then the questions are... |
| 6507826 |
Remote electronic invoice entry and validation system and method therefor |
| Jan-14-2003 |
An invoice processing system (200) includes a web browser equipped computer system (210) operated by a vendor that is Internet networkly coupled to an invoice processing server (202) providing a web page... |
| 6505164 |
Method and apparatus for secure vendor access to accounts payable information over the internet |
| Jan-7-2003 |
Improved techniques for remotely accessing account information through the Internet are disclosed. The remote access techniques provide security measures so that unauthorized access is unlikely even though... |
| 6502078 |
Electronic money holding device and electronic money automatic payment method |
| Dec-31-2002 |
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... |
| 6493685 |
Electronic account presentation and response system and method |
| Dec-10-2002 |
An Information Interface Provider (IIP) acting as the interface between a biller and its customers for both the presentment of electronic bills to the customers and for the processing of payments from... |
| 6489897 |
Vehicle location system |
| Dec-3-2002 |
A vehicle location system which operates to provide a location of a vehicle. Specifically, if a payment due date associated with the vehicle has passed and a payment has not been received for the vehicle,... |
| 6470386 |
Integrated proxy interface for web based telecommunications management tools |
| Oct-22-2002 |
A Web/Internet based monitoring system provides a common GUI enabling the requesting and real-time viewing of telecommunication network traffic and statistical data pertaining to a customer's telecommunication... |
| 6456984 |
Method and system for providing temporary credit authorizations |
| Sep-24-2002 |
A method and system are provided for issuing credit as payment in a consumer transaction which eliminates the need for a traditional credit card while also minimizing any potential for fraud or theft.... |
| 6456983 |
Method for managing disposition of delinquent accounts |
| Sep-24-2002 |
A system and method for evaluating an offer which has been made in relation to certain delinquent accounts is disclosed. A historical database of sorts is maintained on accounts which were previously characterized... |
| 6446049 |
Method and apparatus for transmitting a digital information signal and vending system incorporating same |
| Sep-3-2002 |
A cashless business transaction system (e.g., a vending system, a material tracking system, or a highway toll system) incorporates a method and apparatus for transmitting a digital information signal.... |
| 6446048 |
Web-based entry of financial transaction information and subsequent download of such information |
| Sep-3-2002 |
Systems, methods and related software products which enable users to temporarily store and subsequently retrieve information are disclosed. The system embodiments include a plurality of input devices,... |
| 6442609 |
Distributed data processing system method for controlling such a system |
| Aug-27-2002 |
In a distributed data processing system each component is provided with an object orientated platform together with instantiations of a generic network object for each application involving data transmission,... |
| 6438601 |
Method and system for using caller pays service for single use and short term access to internet subscription services |
| Aug-20-2002 |
Internet users may utilize a method and system for collecting small access fees for one-time/limited time access to fee for access web sites by capitalizing on the capabilities afforded by the combination... |
| 6438527 |
Method and apparatus for paying bills electronically using machine readable information from an invoice |
| Aug-20-2002 |
Data capture which occurs at the consumer end of an electronic bill pay transaction is assisted by machine readable information in a standardized format on an invoice where the machine readable information... |
| 6434537 |
Cellular telephone billing management system |
| Aug-13-2002 |
The present invention is directed to a telephone billing management method for cellular telephones. The objective is to provide the user of a cellular telephone a cost accounting and management tool. The... |
| 6434536 |
Methods and systems for commerce |
| Aug-13-2002 |
Methods and systems are offered to create, eliminate and/or modify trade channels. These can utilize a variety of communication media, including computer networks and the network of interconnected machines... |
| 6434534 |
Method and system for processing customized reward offers |
| Aug-13-2002 |
The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data associated... |
| 6427911 |
Billing/clearing house system and method for an overloaded card |
| Aug-6-2002 |
A system and method for managing an overloaded card with billing/clearing house services to a user of the card. The host card is set up as an overloaded card to which a card provider server system provides... |
| 6418420 |
Distributed budgeting and accounting system with secure token device access |
| Jul-9-2002 |
A distributed budgeting and accounting system is designed to operate with secure token devices. The secure token devices serve both as electronic currency purses and as secure vehicles for authorization.... |
| 6411946 |
Route optimization and traffic management in an ATM network using neural computing |
| Jun-25-2002 |
Neural computing techniques are used to optimize route selection in a communication network, such as an ATM network. Output measurements of the network are used to provide optimal routing selection and... |
| 6411940 |
Internet billing method |
| Jun-25-2002 |
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... |
| 6408284 |
Electronic bill pay system for consumers to generate messages directing financial institutions to pay a biller's bill |
| Jun-18-2002 |
A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating... |
| 6401098 |
System for database creation, maintenance and access using event marking and two-dimensional partitioning |
| Jun-4-2002 |
A system and method that reduces access, backup, restore and processing time required by partitioning data in a database into two dimensions. The first dimension is by event processing date and the second... |
| 6393436 |
Method for commercializing goods and services over a global digital network |
| May-21-2002 |
A method for commercializing goods and services over a global digital network where the order requests from a group of purchaser subscribers is processed and matched with one or more vendor subscribers.... |
| 6385595 |
Electronic statement presentment system |
| May-7-2002 |
An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as... |
| 6381587 |
Method and system for standardizing and reconciling invoices from vendors |
| Apr-30-2002 |
A system for managing requests for services from vendors including a database having contract information for vendors, entitlement information for users and requests for services. The requests are compared... |
| 6374231 |
Money fund banking system |
| Apr-16-2002 |
Providing interest to clients' deposited finds without the legal limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records... |
| 6370517 |
Electronic money card, electronic money receiving/paying machine, and electronic money card editing device |
| Apr-9-2002 |
An electronic money card includes a memory built in an IC chip of an IC card and reads and writes electronic money to and from the memory. The electronic money card allows conditions restricting an electronic... |
| 6366893 |
System, a method and an apparatus for performing an electric payment transaction in a telecommunication network |
| Apr-2-2002 |
The invention relates to methods and apparatuses for performing electronic payment transactions between a terminal equipment (100) in a telecommunication network and the other transacting party (1,2, .... |
| 6363363 |
System, method and article of manufacture for managing transactions in a high availability system |
| Mar-26-2002 |
An architecture is disclosed allowing a server to communicate bidirectionally with a gateway over a first communication link, over which service requests are initiated by the server. In response to a transaction... |
| 6363362 |
Technique for integrating electronic accounting systems with an electronic payment system |
| Mar-26-2002 |
A technique is provided for paying bills electronically using data generated by any of multiple accounting software packages. The data generated by each accounting software package has a different structure.... |
| 6363361 |
Computerized patent and trademark fee payment method and system for law firms |
| Mar-26-2002 |
A computerized method and system for the payment of patent and trademark fees is disclosed. The patent or trademark fee for a client of a firm is charged against an account maintained by an organization... |
| 6360211 |
System and method for electronically processing invoice information |
| Mar-19-2002 |
A system and method for processing invoice information in which billing data is communicated from a first site to a second site and an automated reasonability test is performed on the billing data at the... |
| 6360209 |
Credit card billing method and system |
| Mar-19-2002 |
An improved credit card billing method and system is disclosed which permits multiple items purchased as part of a single transaction or order to be separately billed on a credit card in accordance with... |
| 6353811 |
Credit card billing system for identifying expenditures on a credit card account |
| Mar-5-2002 |
A data processing system and method are provided for allocating all expenditures, accrued interest attributable to each expenditure, and payments made by respective credit cardholders, to sub-accounts... |
| 6351739 |
Internet billing method |
| Feb-26-2002 |
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... |
| 6349289 |
Method and system for tracking computer system usage through a remote access security device |
| Feb-19-2002 |
A system and method for monitoring remote computer access and associated costs is provided. The system includes a remotely located communication server in communication with multiple host computer networks... |
| 6343323 |
Resource retrieval over a source network determined by checking a header of the requested resource for access restrictions |
| Jan-29-2002 |
A method of downloading resources to a client (1) from a content server (3) over a data network. A resource request message is sent from the client (1) and is intercepted at a proxy (2) located in the... |
