| 6006208 |
MICR line decoding logic system |
| Dec-21-1999 |
The present invention is an automated system and method of initiating payments from a payor's checking account pursuant to the payor's authorization during a conversation via telephone, computer terminal... |
| 6003021 |
System, method and article of manufacture for a simulation system for goal based education |
| Dec-14-1999 |
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... |
| 5999919 |
Efficient micropayment system |
| Dec-7-1999 |
Existing software proposals for electronic payments can be divided into "on-line" schemes which require participation of a trusted party (the bank) in every transaction and are secure against overspending,... |
| 5995626 |
Electronic shopping method, electronic shopping system and document authenticating method relating thereto |
| Nov-30-1999 |
An electronic shopping method is provided by both an apparatus 10 and an apparatus 30 to hold a key K(A, C) in common, and both the apparatus 30 and an apparatus 40 to hold a key K(B, C) in common. The... |
| 5992888 |
Advertising device and method for use at point of sale |
| Nov-30-1999 |
A device and method for displaying advertising materials to a potential purchaser coincident with the making of a financial transaction by the purchaser. The device comprises at least one transaction recording... |
| 5991749 |
Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities |
| Nov-23-1999 |
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively allow such... |
| 5991748 |
Methods and apparatus for regenerating a prepaid transaction account |
| Nov-23-1999 |
An improved system for "regenerating" or adding funds to a prepaid, remote memory account. The system includes a service provider network or host computer system including an account database of prepaid... |
| 5991746 |
Billing system utilizing a modified file transfer protocol for collecting non-file MIB tables for billing in an ATM network |
| Nov-23-1999 |
An ATM billing system includes a data (billing) generator at each slot of an ATM switch, a plurality of billing collectors, and a billing center coupled to the ATM network. The data generators are provided... |
| 5987132 |
System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture |
| Nov-16-1999 |
An architecture that provides a server that 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... |
| 5983208 |
System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
| Nov-9-1999 |
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... |
| 5983206 |
Computer system and computer-implemented process for implementing a mortgage partnership |
| Nov-9-1999 |
A computer system and computer-implemented process creates single mortgage documents with multi-part obligations. The obligations allow for financing of real property ownership through a combination of... |
| 5983200 |
Intelligent agent for executing delegated tasks |
| Nov-9-1999 |
An intelligent agent executes tasks by using intelligent agent learning modules which store information necessary to execute the tasks. A computer receives a command to execute a task or receives data... |
| 5978780 |
Integrated bill consolidation, payment aggregation, and settlement system |
| Nov-2-1999 |
The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households... |
| 5974401 |
Digital print order and delivery method and system |
| Oct-26-1999 |
According to the method and system of the present invention, digital image data is input in a personal computer, through an image input device. The order sender processes the image data with reference... |
| 5974146 |
Real time bank-centric universal payment system |
| Oct-26-1999 |
An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service... |
| 5963926 |
Computer implemented method, system and apparatus for processing various transactions using a plurality of transaction cards |
| Oct-5-1999 |
A method, apparatus and computer program for processing plural types of transactions by a transaction processor connected to plural companies of different industries via a network. Use of the invention... |
| 5963925 |
Electronic statement presentment system |
| Oct-5-1999 |
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... |
| 5963924 |
System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce |
| Oct-5-1999 |
An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms... |
| 5956700 |
System and method for paying bills and other obligations including selective payor and payee controls |
| Sep-21-1999 |
A system and method for paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interface, a bill generator, and a TCF message... |
| 5956391 |
Billing in the internet |
| Sep-21-1999 |
A terminal (1, 2) connected to the public telephone network PSTN has access to the Internet-connecting node by dialling a service number. In the access node the server gives the terminal a temporary IP-address... |
| 5950174 |
Affiliation-based arrangement for billing |
| Sep-7-1999 |
An improved system is realized with an arrangement which takes advantage of affiliations that allow concentration of billing. In situations where a party is willing to serve as a financial surrogate for... |
| 5946669 |
Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange |
| Aug-31-1999 |
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... |
| 5940813 |
Process facility management matrix and system and method for performing batch, processing in an on-line environment |
| Aug-17-1999 |
A processing system and method receive batch payment data from a plurality of different sources, such as lock-boxes, an ATM or customer activated terminal, an enhanced telephone, a bank teller, or a personal... |
| 5933817 |
Tiered interest rate revolving credit system and method |
| Aug-3-1999 |
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... |
| 5933815 |
Computerized method and system for providing guaranteed lifetime income with liquidity |
| Aug-3-1999 |
Computerized method and system for administering at least part of a program to provide a person with guaranteed lifetime income with a measure of liquidity using at least an initial contribution of assets... |
| 5930777 |
Method of charging for pay-per-access information over a network |
| Jul-27-1999 |
A method for charging a consumer for access, over a network, to a vendor's information; in particular, a method for this pay-per-access over the Internet. The method uses a third-party, called a banker,... |
| 5930759 |
Method and system for processing health care electronic data transactions |
| Jul-27-1999 |
A system or network for assembling, filing and processing health care data transactions and insurance claims made by patients pursuant to health care policies issued to the patients by insurance companies... |
| 5930363 |
Card charging systems |
| Jul-27-1999 |
A security device for use in a card charging system where a service or product providing facility issues services or products by the use of credit from a card. The security device comprises signal transmission... |
| 5926548 |
Method and apparatus for implementing hierarchical electronic cash |
| Jul-20-1999 |
A user U generates a signature verification key N.sub.U, a signature key SS.sub.U and a cipher key K, enciphers (X,N.sub.U) by a public key into E.sub.I (X,K,N.sub.U) and sends the enciphered information... |
| 5924084 |
Method for tracing payment data in an anonymous payment system |
| Jul-13-1999 |
The invention relates to a method for tracing payment data in an anonymous payment system having electronic payment means, such as so-called "smart cards". According to the invention, the user commits... |
| 5920847 |
Electronic bill pay system |
| Jul-6-1999 |
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... |
| 5915023 |
Automatic portable account controller for remotely arranging for transfer of value to a recipient |
| Jun-22-1999 |
An apparatus and method of transferring a value from a transferor to a transferee in a transaction executed through a public service telephone network. The method includes the step of exchanging essential... |
| 5909492 |
Network sales system |
| Jun-1-1999 |
A network-based sales system includes at least one buyer computer for operation by a user desiring to buy a product, at least one merchant computer, and at least one payment computer. The buyer computer,... |
| 5903878 |
Method and apparatus for electronic commerce |
| May-11-1999 |
A method for providing validated electronic commerce transactions is disclosed. A transaction order generated by a purchaser has a unique transaction identifier associated therewith and the purchase order... |
| 5893080 |
Disbursement system and method |
| Apr-6-1999 |
A computerized payment disbursement system and method are provided. One embodiment of the method of the present invention includes storing in a computer database user-defined payment disbursement criteria... |
| 5889863 |
System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture |
| Mar-30-1999 |
An architecture that provides a server that communicates bidirectionally with a client over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers... |
| 5884325 |
System for synchronizing shared data between computers |
| Mar-16-1999 |
A database synchronizer facilitates computing systems which have client-side and server-side applications that share data in similar database structures, but which do not maintain a continuous connection... |
| 5884290 |
Method of transferring funds employing a three-node real-time electronic interlock |
| Mar-16-1999 |
A method of transferring funds electronically, is performed by a group of N computers X(1) thru X(N) which are intercoupled to each other, and to another computer Y, by a communication channel. Each computer... |
| 5884288 |
Method and system for electronic bill payment |
| Mar-16-1999 |
A method and system for providing a fully automated electronic bill processing capability that is integrated with banking institutions and their customers is herein disclosed. The electronic bill payment... |
| 5884283 |
System, method and program product for managing and controlling the disposition of financial resources |
| Mar-16-1999 |
A method, computer program product and system providing management and control of the disposition of personal financial resources, taking into account the effects of inflation and deflation. The method... |
| 5875437 |
System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing |
| Feb-23-1999 |
A practical communication and computer based system and method for effecting exchange, investment and borrowing involves the use of digital communication and computation terminals distributed to users... |
| 5873072 |
System and method for electronically providing customer services including payment of bills, financial analysis and loans |
| Feb-16-1999 |
A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to... |
| 5870456 |
Automated interactive bill payment system using debit cards |
| Feb-9-1999 |
Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present invention... |
| 5864830 |
Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
| Jan-26-1999 |
A data-processing method by which one or more prepaid satellite spending cards are configured and linked to a cardholder's host credit card or card account such that a predetermined available spending... |
| 5852812 |
Billing system for a network |
| Dec-22-1998 |
A billing system for on-line computer networks is disclosed. Customers of the on-line system are billed in their own currency for billable events which are generated. Billable events can include access... |
| 5848400 |
Electronic check exchange, clearing and settlement system |
| Dec-8-1998 |
An electronic financial transaction clearing and settlement system handles and processes electronic financial transactions on behalf of a set of regional banks and correspondent banks. In particular, each... |
| 5845267 |
System and method for billing for transactions conducted over the internet from within an intranet |
| Dec-1-1998 |
A system and method is disclosed for performing centralized billing for transactions conducted by a user on a terminal (101) connected on an Intranet (103) with an Internet Service Provider (ISP) (115)... |
| 5842185 |
Method and system for electronically tracking financial transactions |
| Nov-24-1998 |
A system and method automatically enters financial transactions such as credit card transactions into a financial account stored in a computer. A financial statement incorporating the transactions is provided... |
| 5839119 |
Method of electronic payments that prevents double-spending |
| Nov-17-1998 |
A method of generating electronic monetary tokens that supports off-line transactions while preventing double-spending. Generation of electronic token halves by a financial services provider begins in... |
| 5832460 |
Method and system for bill presentation and payment reconciliation |
| Nov-3-1998 |
A system and method for electronically creating, presenting, paying and reconciling bills includes an electronic bill presenter in electronic communication with bill originators, bill payers and respective... |
