| 7043451 |
Method and system for merchant processing of purchase card transactions with expanded card type acceptance |
| May-9-2006 |
Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant... |
| 7039603 |
Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network |
| May-2-2006 |
Settlement systems and methods are provided wherein a buyer takes possession of a product at a retailer. In one embodiment, a purchasing system arranges through a communication network for a buyer to purchase... |
| 7035823 |
Telecommunications system for generating a three-level customer behavior profile and for detecting deviation from the profile to identify fraud |
| Apr-25-2006 |
Telecommunications apparatus and method for detecting any unusual activity in customer behavior. A comprehensive behavior profile of a customer is generated on the basis of customer transactions. The profile... |
| 7035822 |
Self-service terminal |
| Apr-25-2006 |
A self-service terminal (SST) (10) for interaction with vehicle-based users includes a projection unit 36 which projects an image onto a vehicle windscreen. The image may include instructions... |
| 7035821 |
Methods and apparatus for processing cash advance requests |
| Apr-25-2006 |
Methods and apparatus for processing cash advance requests are described. In one embodiment, the system includes a data repository, and a process management and workflow system coupled to the data repository.... |
| 7035819 |
Method and system for facilitating automated interaction of marketable retail orders and professional trading interest at passively determined prices |
| Apr-25-2006 |
A method and system for an automated trading network that continuously collects invisible, anonymous, binding orders and indications of interest to buy and sell specific equity securities at variable,... |
| 7032109 |
Method and system for ensuring the security of service supplies broadcast on a computer network of the internet type |
| Apr-18-2006 |
The invention concerns a method and a system enabling users (11) of an Internet type computer network provided with multimedia terminals (16) comprising a microphone (17) and connected... |
| 7031939 |
Systems and methods for implementing person-to-person money exchange |
| Apr-18-2006 |
Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange... |
| 7024395 |
Method and system for secure credit card transactions |
| Apr-4-2006 |
A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant information.... |
| 7024389 |
System and method for using a payroll deduction card as a payment instrument |
| Apr-4-2006 |
The present invention relates to a system and method for using an e-duction card as a payment instrument, whereby a purchase price of articles purchased on-line or off-line is deducted from an employee's... |
| 7024386 |
Credit handling in an anonymous trading system |
| Apr-4-2006 |
In an anonymous trading system, credit between counterparties is effectively increased by netting buy and sell trades to reflect the true risk to which each party is exposed. Credit limits are adjusted... |
| 7024385 |
Automatic electronic funds transfer system and method |
| Apr-4-2006 |
A method and system for automatically conducting a business transaction between a user and a trader, including the functions of ordering, financial transaction, delivery initiation and data management.... |
| 7021528 |
System and method for tracking checks |
| Apr-4-2006 |
Systems and methods for providing a track and trace capabilities for checks in the mail stream and in the bank check clearing system are described. A mailing machine facilitates the association of a confirmation... |
| 7020638 |
System and method for flexible micropayment of low value electronic assets |
| Mar-28-2006 |
An electronic asset system mints a stick of electronic assets that can be spent by the user with multiple vendors. Assets sticks are issued anonymously or non-anonymously in a way without requiring dedication... |
| 7020633 |
Method and system for merchant processing of purchase card transactions with expanded card type acceptance |
| Mar-28-2006 |
Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant... |
| 7010512 |
Transfer instrument |
| Mar-7-2006 |
A method is disclosed involving acquiring a plurality of charge accounts. The accounts are of a type normally issued with an associated physically producible card which may be presented as evidence of... |
| 7006993 |
Method and apparatus for surrogate control of network-based electronic transactions |
| Feb-28-2006 |
A surrogate system for the transparent control of electronic commerce transactions is provided through which an individual without a credit card is enabled to shop at online merchant sites. Upon opening... |
| 7004398 |
Stored-value card with edible product |
| Feb-28-2006 |
A stored-value card assembly including a stored-value card, an edible product, and a wrapper. The stored-value card defines a first generally planar surface and a second generally planar surface opposite... |
| 7003495 |
Portable electronic authorization system and method |
| Feb-21-2006 |
In one embodiment an apparatus includes a housing; a user authenticator, supported by the housing, that authenticates an identity of a user; at least one memory, supported by the housing, that stores transaction... |
| 7003494 |
Preprocessor system and method for rejection of duplicate invoices |
| Feb-21-2006 |
An accounts payable system in which invoices submitted by electronic data interchange (EDI) are audited for duplicate invoices prior to them being entered into the production database, or environment.... |
| 7003493 |
Direct payment with token |
| Feb-21-2006 |
According to the invention, a method for transferring funds from a sender to one or more recipients using a wide-area computer network is disclosed. In one step, transfer information is received from the... |
| 7003492 |
Apparatus and method for indicating the status of transaction function devices in an automated banking machine |
| Feb-21-2006 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 7003306 |
Short message system, especially prepaid message system |
| Feb-21-2006 |
Short message system (SMS-MO) comprising switching arrangements (MSC) and servers (SMSC) at which the messages arrive in the form of messages "destined for a mobile" (SMS-MT). The sending mobile (SMS-MO)... |
| 6999944 |
Method and apparatus for authorizing and billing communications services using a bank card financial network |
| Feb-14-2006 |
According to the invention, a method and apparatus are disclosed for a dynamic communications service bank card billing system for authorizing and billing communications services using a bank card financial... |
| 6999943 |
Routing methods and systems for increasing payment transaction volume and profitability |
| Feb-14-2006 |
Customers often have access to multiple payment methods for any given transaction. In one embodiment of the invention, a merchant obtains information regarding multiple payment methods from a customer,... |
| 6996542 |
System and method for paying bills and other obligations including selective payor and payee controls |
| Feb-7-2006 |
A system and method for paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interfacee, a bill generator, and a TCF message... |
| 6996535 |
Electronic commerce support method and apparatus |
| Feb-7-2006 |
A client is connected to a server for providing electronic commerce services in electronic commerce. An order is transmitted for a product in response to an input by a user to the server through a communications... |
| 6993507 |
Bar coded bill payment system and method |
| Jan-31-2006 |
A bill payment system consistent with the invention comprises a biller generating at least one invoice for at least one customer, the invoice comprising a unique bar code comprising data identifying at... |
| 6993506 |
Method and device utilizing polymorphic data in e-commerce |
| Jan-31-2006 |
An aspect of the present invention includes a protocol for conveying data during an e-commerce session with a polymorphic response, comprising initiating a session with a message from a buyer application... |
| 6990467 |
Method, apparatus and program for pricing, transferring, buying, selling and exercising of freight cargo options on the World Wide Web |
| Jan-24-2006 |
An apparatus, method and program for determining the price of an option to pay for or sell cargo freight facility on the Internet and for facilitating the sale and exercise of those options including the... |
| 6988658 |
System and method for facilitating a transaction between a merchant and a consumer |
| Jan-24-2006 |
A system for facilitating a transaction between a merchant and a consumer includes a consumer interface and a settlement administrator. The consumer interface is configured to emit a consumer identity... |
| 6988085 |
System and method for real-time electronic inquiry, delivery, and reporting of credit information |
| Jan-17-2006 |
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment, the system... |
| 6985879 |
Systems and methods for facilitating group rewards |
| Jan-10-2006 |
In accordance with at least one embodiment of the present invention a retailer may receive a request from a group of customers for a reward the group desires to earn by making purchases at the retailer.... |
| 6985873 |
System and method for administering a brokerage rebate card program |
| Jan-10-2006 |
A technique for administering a rebate program includes logic for generating rebate information based the purchase of goods and/or services using a card instrument. The technique further includes logic... |
| 6983882 |
Personal biometric authentication and authorization device |
| Jan-10-2006 |
A personal biometric authentication and authorization device (PAD) provides protection for portable tokens such as magnetic stripe cards and smart cards. The PAD enables portable tokens upon engagement... |
| 6983261 |
System and method for causing multiple parties to be paid from a single credit card transaction |
| Jan-3-2006 |
A point of sale credit card payment system allowing multiple payments to be made to various payees from a single credit card transaction or any other form of electronic payment. Software, firmware, or... |
| 6983259 |
Anonymous trading system |
| Jan-3-2006 |
An anonymous trading system has a clique of arbitrators which match orders from trader terminals and execute deals. One or more branches is attached to each arbitrator connecting trader terminals through... |
| 6980970 |
Secure networked transaction system |
| Dec-27-2005 |
A method and system for approval by a verification computer of an online transaction between a user computer and a merchant computer over the Internet. The user computer transmits a transaction request... |
| 6980969 |
Methods and apparatus for allowing internet based purchases based on a temporary credit card number |
| Dec-27-2005 |
The system described herein allows a user to apply for a credit card on-line. If an electronic application is approved, a temporary credit card number is issued on-line for immediate use. The temporary... |
| 6980968 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-27-2005 |
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... |
| 6978250 |
System and method for automated electronic scrip transactions |
| Dec-20-2005 |
A system and method for performing and settling an electronic scrip transaction between a merchant and a member includes a database storing accounts for one or more participating merchants, scrip distributors,... |
| 6970845 |
Automated banking machine apparatus and system |
| Nov-29-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 6970844 |
Flow designer for establishing and maintaining assignment and strategy process maps |
| Nov-29-2005 |
A system, method and carrier medium for modeling a Financial Service Organization (FSO) business in a computer software program and for storing the model of the FSO business in a database. An object-oriented... |
| 6970843 |
Financial management system |
| Nov-29-2005 |
A financial transaction network includes a customer network serviced by a host processor. The financial transaction network provides customers with a plurality of diverse and interchangeable financial... |
| 6970837 |
Methods and apparatus wherein a buyer arranges to purchase a first product using a communication network and subsequently takes possession of a substitute product at a retailer |
| Nov-29-2005 |
Purchasing system methods and apparatus are provided wherein a buyer purchases a first product through a purchasing system, such as by submitting a buyer offer. A retailer receives product redemption information... |
| 6968319 |
Electronic bill presentment and payment system with bill dispute capabilities |
| Nov-22-2005 |
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... |
| 6968317 |
Method and apparatus for new accounts program |
| Nov-22-2005 |
A method for opening an on-line brokerage account includes the steps of opening an on-line brokerage account for a user based on account information received from the user, the on-line brokerage account... |
| 6963866 |
Method of obtaining an electronically stored financial document |
| Nov-8-2005 |
A method for a bank to obtain an electronically-stored financial document is disclosed. The financial document includes a specific document parameter, such as a record date. The bank maintains the financial... |
| 6963857 |
Network-accessible account system |
| Nov-8-2005 |
The present invention is directed to methods of, and systems for, allowing an account participant to add value via a wide-area network to a first account from a second account. A first account server coupled... |
| 6957192 |
System and method for automated credit matching |
| Oct-18-2005 |
The invention includes a method of financing eCommerce purchases including: receiving over the Internet buyer registration information. Then evaluating a credit rating for the buyer and passing over the... |
