| 6343279 |
System integrating credit card transactions into a financial management system |
| Jan-29-2002 |
A system integrates credit card transactions into a financial management system used by a company to track and control budgets, etc. The system provides the controls and accounting for credit card transactions... |
| 6341272 |
Business service platform, network, and system |
| Jan-22-2002 |
A service platform is provided that enables access and control by a customer at a remote location of information, products, and services maintained by a business at a central location through an access... |
| 6339766 |
Electronic payment system employing limited-use account number |
| Jan-15-2002 |
Methods and systems for enabling an account holder to authorize the transfer of funds from an account using a limited-use account number. An account issuer establishes an account for the account holder... |
| 6336104 |
Method and apparatus for providing and processing installment plans at a terminal |
| Jan-1-2002 |
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... |
| 6334116 |
Technique for centrally tracking transactions in an electronic billing system |
| Dec-25-2001 |
A method is provided for centrally tracking transactions in an electronic billing system. The system includes multiple different billing entities, multiple different financial institute entities and multiple... |
| 6330550 |
Cross-media notifications for e-commerce |
| Dec-11-2001 |
Systems and methods consistent with the present invention facilitate a transaction between a user and a party represented by a server on a network. When the user agrees to enter a transaction with the... |
| 6330548 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-11-2001 |
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... |
| 6327577 |
Electronic bill payment system with account-number scheming |
| Dec-4-2001 |
A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a merchant's... |
| 6324525 |
Settlement of aggregated electronic transactions over a network |
| Nov-27-2001 |
In one embodiment, an architecture that consummates an electronic transaction between a first electronic device, such as an acquirer device, a second electronic device, such as an issuer device, and a... |
| 6321205 |
Method of and system for modeling and analyzing business improvement programs |
| Nov-20-2001 |
An automated system (100) and method for evaluating the probable impact of user-specified or system generated changes in business value drivers on the other value drivers, the financial performance and... |
| 6317745 |
Trusted third party data structure for electronic funds transfer and bill presentment |
| Nov-13-2001 |
A funds transfer system for facilitating electronic funds transfer between a payor and a payee by means of an intermediate trusted third party comprises: a payor station including a device for electronic... |
| 6311170 |
Method and apparatus for making payments and delivering payment information |
| Oct-30-2001 |
When characterized as an improved method of making payments from a plurality of payor entities to a plurality of payee entities through a service provider, a number of method steps which will now be described.... |
| 6311167 |
Portable 2-way wireless financial messaging unit |
| Oct-30-2001 |
A portable 2-way secure financial messaging unit (906) includes a receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a transmitter (1034).... |
| 6304860 |
Automated debt payment system and method using ATM network |
| Oct-16-2001 |
An electronic funds transfer methodology for providing access to a plurality of non-bank loan payment processors (loan servicers) through established ATM (automated teller machine) networks, thereby creating... |
| 6298335 |
Method of controlling payment of debts |
| Oct-2-2001 |
A method and apparatus are provided for executing payment of a debt by a person to a payee. The method includes the steps of negotiating payment terms with the payee and entering the negotiated payment... |
| 6292789 |
Method and system for bill presentment and payment |
| Sep-18-2001 |
A method and system for presentment of bills on a computer network includes a biller account hosted on a server of a bill service provider for receiving a bill file from a biller that includes bill data.... |
| 6289323 |
System and method for completing monetary transactions by presentment of postage value to a postal authority |
| Sep-11-2001 |
Methods and apparatuses are disclosed for conducting secure transactions via postal authority cryptographic transformations. In particular, value is issued in the form of a value message including a cryptographic... |
| 6289322 |
Electronic bill processing |
| Sep-11-2001 |
A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different... |
| 6285991 |
Secure interactive electronic account statement delivery system |
| Sep-4-2001 |
The present invention consists of a secure interactive electronic account statement delivery system suitable for use over open networks such as the Internet. The invention utilizes a certification hierarchy... |
| 6249775 |
Method for mortgage and closed end loan portfolio management |
| Jun-19-2001 |
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... |
| 6246999 |
Financial services account manager system |
| Jun-12-2001 |
A method of reporting accounting information to acquiring banks includes compiling accounting information from different processing systems to a mainframe. The accounting information is then routed to... |
| 6240403 |
Method and apparatus for a modular postage accounting system |
| May-29-2001 |
Apparatus and method for a modular postage accounting system. An open system metering device of the present invention includes a general purpose computer, a digital printer and a secure metering device... |
| 6240401 |
System and method for movie transaction processing |
| May-29-2001 |
A system and method for tracking and processing transactions for such purposes as creating billing record and detecting possible fraudulent activities. The system and method relates to processing transactions... |
| 6233565 |
Methods and apparatus for internet based financial transactions with evidence of payment |
| May-15-2001 |
A system and methods for conducting Internet based financial transactions between a client and a server. The client has a processor, a printer, a client authentication module, a module for issuing a transaction... |
| 6230148 |
Tokenless biometric electric check transaction |
| May-8-2001 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample is described. The method comprises a... |
| 6230145 |
Method for providing bank card transaction data |
| May-8-2001 |
A method of providing bank transaction data for a merchant via the Internet includes displaying on a computer connected to a host a graphical user interface having a plurality of payment services categories.... |
| 6223897 |
Method and apparatus for organizing and storing bills |
| May-1-2001 |
Apparatus for organizing bills has a flexible backing and a plurality of compartments for individual accounts, each compartment having an inner section for paid bills and an outer section for unpaid bills,... |
| 6223168 |
Automatic remittance delivery system |
| Apr-24-2001 |
A remittance delivery system is provided that that accepts payment information from a variety of applications (e.g. vendor payments, taxes, claims, payroll, T&E, commissions, trust, etc.), translates the... |
| 6219651 |
Protection of transaction data |
| Apr-17-2001 |
The invention presented describes the protection of transaction data in cash-free payment traffic from its creation to its processing by means of stock-exchange chip cards (4). In each payment transfer,... |
| 6216115 |
Method for multi-directional consumer purchasing, selling, and transaction management |
| Apr-10-2001 |
An integrated credit card data processing method that allows transactions to be processed either as a payment or as a receipt of payment. The new process is a combination of the regular data processing... |
| 6195648 |
Loan repay enforcement system |
| Feb-27-2001 |
A system to encourage on time repayment of loans includes electronic apparatus coupled to a critical system of certain equipment; for example, the ignition system of an automobile. Apparatus includes mechanism... |
| 6195646 |
System and method for facilitating the valuation and purchase of information |
| Feb-27-2001 |
The present invention is directed to information valuation, negotiation and transaction. A supplier determines one or more pricing models to govern the purchase of some information. The price of that information... |
| 6188994 |
Internet billing method |
| Feb-13-2001 |
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... |
| 6185545 |
Electronic payment system utilizing intermediary account |
| Feb-6-2001 |
Payments in cash are submitted to a merchant at a point of sale. The payment transaction is effected electronically to credit the end user's intermediary account. Subsequent electronic communications between... |
| 6185544 |
Processing system for charge request data |
| Feb-6-2001 |
The processing system for charge request data of the present invention comprises data input means for inputting charge request data, including charge transfer day, requesting organization, paying organization... |
| 6185542 |
Communication of transaction data via the internet |
| Feb-6-2001 |
Transmitting via email by a store computer controlling a point of service terminal (POS) terminal, at which a transaction has been performed, transaction data to a personal computer of a customer making... |
| 6178409 |
System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
| Jan-23-2001 |
A server communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers. Service requests are associated... |
| 6173271 |
Television advertising automated billing system |
| Jan-9-2001 |
Advertising is marked with a code in a way which makes it difficult to fool the system. The advertising is marked with a code at the time the advertising is produced. Then, when the advertising is broadcast,... |
| 6154730 |
Facility-based financing system |
| Nov-28-2000 |
A system for employing the projected receipts of a public facility to finance the construction of the facility itself, or the acquisition of a team to play in the facility. A preferred system includes:... |
| 6138148 |
Client intermediation of server applications |
| Oct-24-2000 |
One embodiment of the present invention provides a method and an apparatus for providing a client-side intermediary that communicates with an application on a second server computer system. The method... |
| 6131115 |
System for on-line services using distributed objects |
| Oct-10-2000 |
A system is disclosed for accessing recent financial information from various financial services providers. The system is based on a client/server architecture so that services are accessible from a variety... |
| 6128603 |
Consumer-based system and method for managing and paying electronic billing statements |
| Oct-3-2000 |
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... |
| 6128602 |
Open-architecture system for real-time consolidation of information from multiple financial systems |
| Oct-3-2000 |
An open-architecture system automatically consolidates information from a plurality of financial systems into a single accounting system without the need for expensive and time-consuming backroom procedures.... |
| 6125354 |
System and method for generating an invoice to rebill charges to the elements of an organization |
| Sep-26-2000 |
A method and system for automatically adjusting charges billed to an organization by a service provider, so as to create an invoice of rebill charges. An organizational hierarchy, comprising a list of... |
| 6119108 |
Secure electronic publishing system |
| Sep-12-2000 |
The present invention is designed to improve distribution of electronic objects by permitting publishers to enforce the copyrights associated with their objects. In accordance with the present invention,... |
| 6119107 |
Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange |
| Sep-12-2000 |
This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement through an... |
| 6119106 |
Method and apparatus for facilitating customer payments to creditors from a remote site |
| Sep-12-2000 |
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... |
| 6119096 |
System and method for aircraft passenger check-in and boarding using iris recognition |
| Sep-12-2000 |
A system and method for automated aircraft boarding uses an iris recognition system for check-in and boarding. The passenger is enrolled once and assigned an account number. The passenger thereafter makes... |
| 6108640 |
System for calculating occasion dates and converting between different calendar systems, and intelligent agent for using same |
| Aug-22-2000 |
An occasion database and a date converter are provided in a device which allows a user to retrieve restored occasion information, whether the occasion occurs in the Gregorian calendar or a non-Gregorian... |
| 6105006 |
Transaction authentication for 1-way wireless financial messaging units |
| Aug-15-2000 |
A secure financial messaging unit (906) includes a wide area radio frequency receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a message... |
