| 7043441 |
Method and apparatus using digital credentials and other electronic certificates for electronic transactions |
| May-9-2006 |
A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term certificate... |
| 7003479 |
Systems and methods for ordering and distributing incentive messages |
| Feb-21-2006 |
Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for the incentive... |
| 6922673 |
Systems and methods for ordering and distributing incentive messages |
| Jul-26-2005 |
Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for the incentive... |
| 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... |
| 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... |
| 6796488 |
Automated system and method for check amount encoding at a point-of-sale |
| Sep-28-2004 |
An automated check encoding system (200) at a point-of-sale includes a point-of-sale register (202) for determining a transaction amount, and an input device (208) coupled to the point-of-sale register... |
| 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... |
| 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.... |
| 6669832 |
Electronic transaction system |
| Dec-30-2003 |
A request for a commodity that each office in an organization needs is sent from a terminal in the office to a general affairs service center in the organization. The request is then sent to a VAN center... |
| 6549939 |
Proactive calendar notification agent |
| Apr-15-2003 |
In a data processing system, a method for fetching information through a data network includes the following steps: (1) receiving a user profile comprising user preferences; (2) using an agent for periodically... |
| 6301567 |
Lockbox browser system |
| Oct-9-2001 |
A method of providing information regarding lockbox receipts to a customer having a lockbox account, the method comprising the steps of: having alert criteria containing alert conditions selected by the... |
| 6282523 |
Method and apparatus for processing checks to reserve funds |
| Aug-28-2001 |
A bank device communicates with an account holder device, such as a telephone or computer operated by the account holder. The bank device receives therefrom check data that includes an account identifier,... |
| 6230144 |
Method and apparatus using an accounting bit for a SIMA network |
| May-8-2001 |
A cell format, an accounting device and a method for providing accounting information to a network for determining payment information between operators in the network. The cell format includes a data... |
| 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... |
| 5987437 |
Method of improving assistance to an operator to balance an out-of-proof transaction and an apparatus therefor |
| Nov-16-1999 |
Improved assistance is provided to an operator to balance an out-of-proof transaction at a balancing workstation of an image-based financial document processing system used to process transaction items... |
| 5966698 |
Automated payment system and method |
| Oct-12-1999 |
A system and method of collecting payments uses an automated system to generate a draft, payable to the creditor and drawn on the payor's checking account, pursuant to the payor's authorization. The draft... |
| 5920848 |
Method and system for using intelligent agents for financial transactions, services, accounting, and advice |
| Jul-6-1999 |
The present invention relates to the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial accounting.... |
| 5875435 |
Automated accounting system |
| Feb-23-1999 |
An automated accounting system for an entity, such as an individual or business, is provided in which at least one file is established for the entity and a plurality of data inputs are provided to the... |
| 5857079 |
Smart card for automatic financial records |
| Jan-5-1999 |
A smart card that allows for the categorization of expenses at the time they are incurred and the automatic generation and storage of information concerning the date, payee, and amount of the transaction.... |
| 5787405 |
Method and system for creating financial instruments at a plurality of remote locations which are controlled by a central office |
| Jul-28-1998 |
In the present invention, utilizing a data processing system at one location such as the home office, and another data processing system at a remote location such as a convenience store, an authorized... |
| 5781187 |
Interrupt transmission via specialized bus cycle within a symmetrical multiprocessing system |
| Jul-14-1998 |
A symmetrical multiprocessing system is provided that includes centralized interrupt control unit. The interrupt control unit is coupled to a plurality of processing units and to a plurality of interrupt... |
| 5727249 |
Automated payment system and method |
| Mar-10-1998 |
A system and method of collecting payments an automated system to generate a draft, payable to the creditor and drawn on the payor's checking account, pursuant to the payor's authorization. The draft is... |
| 5712987 |
Interface and associated bank customer database |
| Jan-27-1998 |
The invention concerns a graphical user interface for a bank's customer database. The interface allows a user to choose from several pre-defined operations upon the database, and eliminates the need for... |
| 5675786 |
Accessing data held in large databases |
| Oct-7-1997 |
By sampling the initial result of a query to the database, thereby producing a sampled result which is substantially smaller than the initial result, the sampled result is easier to analyse statistically... |
| 5649115 |
Tracking method and apparatus |
| Jul-15-1997 |
A tracking method and apparatus for use with a computer including a processor for executing code, input/output devices for providing data, memory for storing account data and a display. In operation, a... |
| 5583783 |
Checkwriter and method |
| Dec-10-1996 |
A checkwriter has a tray for containing check forms having a transparent cover with a scaled region provided with scale lines. The tray is detachably loaded into the check printing unit thereof. When the... |
| 5477037 |
Financial document dispensing apparatus and method |
| Dec-19-1995 |
A dispenser produces negotiable money orders, traveler's checks, and the like at remote locations and prints the check amount on the check while also printing summary data of a day's activities on a blank... |
| 5475403 |
Electronic checking with printing |
| Dec-12-1995 |
An electronic checkbook (10) is provided for printing checks. electronic checkbook (10) is of a hand-held size and operates on two AAA batteries. An on/off switch (30) which includes a needle valve (410)... |
| 5372436 |
Typewriter having a check printing function |
| Dec-13-1994 |
A typewriter having a check printing function includes a keyboard for inputting various character data and commands, a display for displaying the character data input from the keyboard, a printing mechanism... |
| 5301350 |
Real time storage/retrieval subsystem for document processing in banking operations |
| Apr-5-1994 |
A storage/retrieval module apparatus for use in a document imaging system can receive digitized optical image and related information data, convert it to electrical digital data for storage on disk at... |
| 5225978 |
Document processing system having integrated expert module |
| Jul-6-1993 |
A bank document processing system for processing checks, deposit slips and other financial documents which advantageously combines an automatic expert reconciliation system with conventional multi-tasking... |
| 5193055 |
Accounting system |
| Mar-9-1993 |
A system for producing accounting statements. A standard category code listing is developed and entered into a computer data bank. Data are entered from blank statements and check book entries in accordance... |
| 5134564 |
Computer aided reconfiliation method and apparatus |
| Jul-28-1992 |
A method of reconciling a first list (a bank statement) formed of a first number of first records and a second list (bank customer's list of records) formed of a second number of second records where the... |
| 5093787 |
Electronic checkbook with automatic reconciliation |
| Mar-3-1992 |
An apparatus for reconciling checking account and other transaction data including first and second data reconciliation control units, each including associated memory, data transference/communication... |
| 4737911 |
Process for electronically maintaining financial records, especially for checkbook balancing and rectification |
| Apr-12-1988 |
A process for maintaining financial records, such as checkbook balances, in which a checking account user employs a hand-held calculator to record the usual checkbook data electronically. The calculator... |
| 4623965 |
Electronic checkbook |
| Nov-18-1986 |
A portable, pocket sized check writing apparatus adapted to perform standard check writing functions incorporates a rectangular box-like housing open at one end for receiving a check cartridge. A keyboard... |
| 4569029 |
Check calculator |
| Feb-4-1986 |
Disclosed is a check calculator as a preferred embodiment of the present invention, which is characterized in that; It displays the amount of the check drawn on a payee and the deposit balance after the... |
| 4222109 |
Electronic checkbook |
| Sep-9-1980 |
An electronic checkbook consisting of: A. a dedicated microprocessor which continues to perform a specific function and store the information on a day to day basis, even when not otherwise in use. B. Checks.... |
| 4053735 |
Assured-check computer-based bank credit disbursing system |
| Oct-11-1977 |
An assured-check computer-based bank credit disbursing system in which a bank-located unit or fixed unit transfers user-expendable credits to a portable unit for disbursement in check form by a user carrying... |
