| 6098052 |
Credit card collection strategy model |
| Aug-1-2000 |
The present invention is a computerized collection strategy model for use in collecting payments from delinquent accounts. The computerized collection strategy model estimates for each possible collection... |
| 6094656 |
Data exchange system comprising portable data processing units |
| Jul-25-2000 |
Data exchange system includes at least one portable data processing unit with data communication processing and memory units, the latter including an executive program and one or more application descriptors,... |
| 6092055 |
Method and apparatus for providing a clean accounting close for a real time billing system |
| Jul-18-2000 |
A real time billing system for accounts that locks out transaction events when the billing process is underway is provided. When a transaction event is received that should be posted to an account during... |
| 6092053 |
System and method for merchant invoked electronic commerce |
| Jul-18-2000 |
A system and method for merchant invoked electronic commerce allowing consumers to purchase items over a network and merchants to receive payment information relating to the purchases. The system includes... |
| 6081790 |
System and method for secure presentment and payment over open networks |
| Jun-27-2000 |
A system for secure presentment and payment having a first electronic processing device and a second electronic processing device. The first processing device creates a presentment ticket from stored invoice... |
| 6078907 |
Method and system for electronically presenting and paying bills |
| Jun-20-2000 |
A system and method for preparing and electronically delivering a bill to a billed party. The method may comprise receiving from a billing party an electronic bill file, preparing a redacted bill file... |
| 6078898 |
System and method of transactional taxation using secure stored data devices |
| Jun-20-2000 |
A system for transactional taxation includes a secure stored data device, such as a smart card, having means for storing purchaser-specific data, an interface device for communicating with the secure stored... |
| 6076074 |
System and method for intraday netting payment finality |
| Jun-13-2000 |
A system is provided for continuous intraday final settlement of payment orders among a plurality of financial-institution participants. The system includes a central controlling agent, including a central... |
| 6073160 |
Document communications controller |
| Jun-6-2000 |
The present invention is a method and apparatus for providing a general-purpose, multifunction, individually addressable, full-bandwidth bi-directional communication device with built-in Authentication,... |
| 6073118 |
Method for performing secure financial transactions using facsimile transmissions |
| Jun-6-2000 |
Secure financial transactions may be made with insecure facsimile transmissions using encoded customer-specific information that can be readily decoded and confirmed by a merchant. The encoded information... |
| 6073113 |
Compatibility checking between instruments, operations and protocols in electronic commerce |
| Jun-6-2000 |
The present invention provides a modular infrastructure for electronic commerce that allows electronic financial instruments to work with a variety of different protocols. One embodiment of the present... |
| 6072870 |
System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
| Jun-6-2000 |
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer... |
| 6070153 |
System and method for automatically investing a portion of a credit card interest charged amount in an investment account |
| May-30-2000 |
A system and methods for automatically investing, a portion of interest charged amount paid by the card issuer or the cardholder, on a credit card account, to an individual retirement account, taxpayer... |
| 6070150 |
Electronic bill presentment and payment system |
| May-30-2000 |
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... |
| 6067538 |
System, method and article of manufacture for a simulation enabled focused feedback tutorial system |
| May-23-2000 |
A system is disclosed that provides a goal based learning system utilizing a rule based expert training system to provide a cognitive educational experience. The system provides the user with a simulated... |
| 6067537 |
System, method and article of manufacture for a goal based educational system with support for dynamic personality feedback |
| May-23-2000 |
A system is disclosed that provides a goal based learning system utilizing a rule based expert training system to provide a cognitive educational experience. The system provides the user with a simulated... |
| 6064987 |
Method and apparatus for providing and processing installment plans at a terminal |
| May-16-2000 |
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... |
| 6064986 |
Computer assisted and/or implemented process and architecture for customer account creation, maintenance and administration for an investment and/or retirement program |
| May-16-2000 |
A computer program product, system or process administer or assist in the administration of resources of a customer for the benefit of a beneficiary. The process includes receiving a request from the customer... |
| 6061665 |
System, method and article of manufacture for dynamic negotiation of a network payment framework |
| May-9-2000 |
A system that facilitates the coupling of a plurality of clients to one or more merchants utilizing a network to conduct commerce over the network is disclosed. When a client initiates a connection with... |
| 6058382 |
Electronic money holding device utilizing an automatic payment method |
| May-2-2000 |
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... |
| 6058381 |
Many-to-many payments system for network content materials |
| May-2-2000 |
A payment method (100) suitable for network (10) transactions in merchandise (12) between purchasers (14) and vendors (18), employing the services of guarantors (16) which issue vouchers (20) for payment.... |
| 6058380 |
System and method for electronically processing invoice information |
| May-2-2000 |
A system and method for processing invoice information in which invoice information is communicated from a first site to a second site and an automated reasonability test is performed on the invoice information... |
| 6052675 |
Method and apparatus for preauthorizing credit card type transactions |
| Apr-18-2000 |
The method and apparatus for pre-authorizing transactions includes providing a communications device to a vendor and a credit card owner. The credit card owner initiates a credit card transaction by communicating... |
| 6052674 |
Electronic invoicing and collection system and method with charity donations |
| Apr-18-2000 |
An electronic commerce invoicing and collection system (EICS) which provides the services of invoicing, automatic "past due" reminders in a real time recorded/registered format is described. Customers... |
| 6049787 |
Electronic business transaction system with notarization database and means for conducting a notarization procedure |
| Apr-11-2000 |
A center site is disposed to intervene in a business transaction achieved through a network. The center site includes an open business information database in which open business information received from... |
| 6049786 |
Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures |
| Apr-11-2000 |
An electronic bill presentment and payment system includes multiple biller computers, a bill presentment computer, and multiple customer computers. Each biller computer stores complete bills for the customer... |
| 6049783 |
Interactive internet analysis method |
| Apr-11-2000 |
A client establishes and/or modifies an interactive account on a server via proprietary sorting and filtering and reporting criteria as a means for timely processing of online financial data and/or other... |
| 6049782 |
Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
| Apr-11-2000 |
A system and process for use by a financial institution to facilitate relationship pricing in connection with a single account that includes a plurality of account components, including a checking component,... |
| 6047268 |
Method and apparatus for billing for transactions conducted over the internet |
| Apr-4-2000 |
A method and apparatus for authenticating transactions accomplished over a data network utilizes a "cookie" containing both static information (user-identifying information) and dynamic information (transaction-based... |
| 6047264 |
Method for supplying automatic status updates using electronic mail |
| Apr-4-2000 |
A method is disclosed for automatically updating the status of customers' orders and shipments via electronic mail without using a human attendant to create and send the electronic mail messages. Preferably... |
| 6047051 |
Implementation of charging in a telecommunications system |
| Apr-4-2000 |
The invention concerns a method for the implementation of charging in a telecommunications system including customer terminals used by customers for ordering services and servers for providing services... |
| 6044362 |
Electronic invoicing and payment system |
| Mar-28-2000 |
A system for automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer. The system includes invoice presentment electronics having a control... |
| 6038547 |
Construction tracking and payment method and system |
| Mar-14-2000 |
A computer-based tracking system and method for coordinating work done on a project and payment therefor. After a project has been partitioned by an architect, jobs are specified in terms of to which region... |
| 6035285 |
Electronic bill presenting methods and bill consolidating methods |
| Mar-7-2000 |
Electronic bill-presenting methods and bill consolidation methods are described. In one embodiment billing information pertaining to a labor-dependent service which has been rendered to a consumer is received... |
| 6035281 |
System and method of multiparty billing for Web access |
| Mar-7-2000 |
A system and method for billing one or more participating parties for client access to the internet is disclosed including the steps of identifying at least one of the one or more participating parties... |
| 6032134 |
Credit card billing system for identifying expenditures on a credit card account |
| Feb-29-2000 |
A data processing system and method are provided for allocating all charged transactions, accrued interest attributable to each charged transaction, and payments made by respective credit cardholders,... |
| 6032133 |
Electronic bill pay system |
| Feb-29-2000 |
A method for electronically paying a bill is described in which a bill pay order is forwarded to a first processor. The bill pay order includes information identifying a biller, an amount owed, and a consumer-biller... |
| 6032118 |
Virtual private network service provider for asynchronous transfer mode network |
| Feb-29-2000 |
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... |
| 6029159 |
System, method and article of manufacture for a simulation enabled accounting tutorial system |
| Feb-22-2000 |
A system is disclosed that provides a goal based learning system utilizing a rule based expert training system to provide a cognitive educational experience. The system provides the user with a simulated... |
| 6029152 |
Processing of transaction data |
| Feb-22-2000 |
The invention relates to a procedure for processing data, especially transaction data, in an electronic payment system, whereby the electronic payment system includes a minimum of one payment terminal,... |
| 6029151 |
Method and system for performing electronic money transactions |
| Feb-22-2000 |
The present invention relates to electronic monetary systems in general, and in particular to measures for making their use easier for an average user. The present invention is based on the idea that the... |
| 6026374 |
System and method for generating trusted descriptions of information products |
| Feb-15-2000 |
A system and method using of a trusted third party to provide a description of an information product to potential buyers without disclosing the entire contents of the information products, which might... |
| 6023688 |
Transaction apparatus and method that identifies an authorized user by appearance and voice |
| Feb-8-2000 |
A financial transaction apparatus (30) includes a financial transaction machine (32). The machine includes devices (34) including transaction function devices (42, 44, 46, 48) for carrying out operations... |
| 6018731 |
System, method and article of manufacture for a goal based system utilizing a spreadsheet and table based architecture |
| Jan-25-2000 |
A system is disclosed that provides a goal based learning system utilizing a rule based expert training system to provide a cognitive educational experience. The system provides the user with a simulated... |
| 6016486 |
System method and article of manufacture for a goal based system utilizing an activity table |
| Jan-18-2000 |
A system is disclosed that provides a goal based learning system utilizing a rule based expert training system to provide a cognitive educational experience. The system provides the user with a simulated... |
| 6016479 |
Computer-based system, computer program product and method for recovering tax revenue |
| Jan-18-2000 |
An effective and efficient system for recovering tax revenue. One implementation is to recover tax revenue currently not being recovered by storing data in a database indicating interstate sales transactions... |
| 6014650 |
Purchase management system and method |
| Jan-11-2000 |
A system and method of implementing a secure purchase management system wherein a unique account code is assigned to a purchaser; a set of secret transaction codes are provided to the purchaser, one secret... |
| 6014643 |
Interactive securities trading system |
| Jan-11-2000 |
A first individual enters an offer to sell a security on a first data processing system. This offer is sent to a server over a communication network which is available to the public. From the server, the... |
| 6012035 |
System and method for supporting delivery of health care |
| Jan-4-2000 |
Effectuation of a health care provision agency cooperative function is established through a communication network linking all the various entities of the cooperative. The entities include the third party... |
| 6006209 |
Automatic cash transaction apparatus |
| Dec-21-1999 |
An automatic cash transaction apparatus includes a deposit/payment port for depositing/paying bills; a circulatable bill storage unit for storing therein circulatable bills used to be paid among the deposited... |
