| 6957191 |
Automated financial scenario modeling and analysis tool having an intelligent graphical user interface |
| Oct-18-2005 |
A financial scenario modeling and analysis tool, including a graphical user interface which enables a user of the tool to create a graphical model of a financial scenario, generally including at least... |
| 6957185 |
Method and apparatus for the secure identification of the owner of a portable device |
| Oct-18-2005 |
Methods for the secure identification of the owner of a portable device by a service provider, wherein the portable device may be in communication with the service provider over a voice line such as a... |
| 6955295 |
Card issuing system |
| Oct-18-2005 |
When a plurality of cards are produced successively, a risk value is calculated in regard to either data deletion or change on the card issue data of each card caused by cancellation of issue or a change... |
| 6955294 |
Apparatus and method for preventing credit card fraud |
| Oct-18-2005 |
A trigger card and system for preventing credit and debit card fraud is disclosed. The trigger card is adapted to be indistinguishable from typical credit cards and other cards issued by financial institutions.... |
| 6950805 |
System for funding, analyzing and managing life insurance policies funded with annuities |
| Sep-27-2005 |
The invention relates to a program that administers a method of funding life insurance policies using annuities that are purchased at least in part using borrowed money, using business and trust structures... |
| 6947906 |
Method for conducting a computerized government auction |
| Sep-20-2005 |
The invention provides a method for conducting a computerized auction of government-held property that is subject to a tiered restriction process. The sale or transfer of a government-held asset can be... |
| 6944595 |
Apparatus and method for performing conversion between different units of currency using an encapsulated conversion path of exchange rates |
| Sep-13-2005 |
A conversion path for converting between two different currencies is defined as a series of simple exchange rate objects and is encapsulated within a compound exchange rate object. The intelligence regarding... |
| 6944512 |
Device and method for carrying out the decentralized production of desired products from different starting materials, and an automated process system |
| Sep-13-2005 |
An arrangement, system and process for producing desired products (1) in at least one decentralized automated process system (3), which processes starting materials (2) provided therefor... |
| 6941281 |
Automated payment |
| Sep-6-2005 |
Systems and methods for automated loan repayment involve utilizing consumer payment authorization, clearing, and settlement systems to allow a merchant to reduce an outstanding loan amount. After a customer... |
| 6941280 |
Determining intra-day net asset value of an actively managed exchange traded fund |
| Sep-6-2005 |
A system for determining an intra-day net asset value proxy of an actively managed exchanged traded fund and the like includes a trusted computer system that has a physical hardware and operating system... |
| 6941279 |
Mutual fund card method and system |
| Sep-6-2005 |
A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the benefit of... |
| 6941274 |
Automated transaction machine |
| Sep-6-2005 |
The invention relates to an automated transaction machine of the recycling currency type. The machine permits a merchant to both store and withdraw cash. The machine also permits a customer to withdraw... |
| 6938016 |
Digital coin-based postage meter |
| Aug-30-2005 |
A system and corresponding method for enabling the use of digital postage or, more generally, digital coin. The system includes, in the case of enabling digital postage, a digital postage generator, responsive... |
| 6938013 |
Money-transfer techniques |
| Aug-30-2005 |
A technique for transferring money between a customer and a beneficiary comprises a money-transfer company, and a plurality of selling agents and paying agents. The money-transfer company maintains a server,... |
| 6937990 |
System for syndication of insurance |
| Aug-30-2005 |
A system is described for facilitating a syndicated sale of an insurance policy. The system employs a processor and a storage device connected to the processor, and a data receiving device and data output... |
| 6934692 |
On-line interactive system and method for transacting business |
| Aug-23-2005 |
The present invention includes a method for transacting business over a network between multiple buyers and sellers. In an exemplary embodiment, the invention operates within an improved extranet system... |
| 6932268 |
Dual mode credit card based payment technique |
| Aug-23-2005 |
A technique for directing a credit card based payment to a payee for a payor having a credit card issued by a credit card issuer is provided. A request for a payment service provider to make a payment... |
| 6931527 |
Method and system for ensuring the security of fax transmission using an identifying card |
| Aug-16-2005 |
The invention concerns a method and system for safely transmitting a fax between a transmitter sending the fax and at least a receiver (11) receiving the fax (162) using a fax machine (161)... |
| 6928420 |
Automated transaction apparatus |
| Aug-9-2005 |
An automated transaction apparatus capable of connecting to both a private line and a commercial line. Therefore, by using a private line to communicate data requiring high security, it is possible to... |
| 6925450 |
Method and system for payment of permit mail |
| Aug-2-2005 |
A system and method that allows mailers of all sizes to pay for permit mail without presenting cash or a check at the time of induction is provided. A permit payment aggregator establishes a master account... |
| 6920611 |
Method and system for implementing a loyalty merchant component |
| Jul-19-2005 |
A loyalty merchant component for facilitating communications amongst cardholder systems, merchant servers and a loyalty host for purposes of processing loyalty transactions is provided. The loyalty merchant... |
| 6920435 |
Tokenless biometric electronic transactions using an audio signature to identify the transaction processor |
| Jul-19-2005 |
The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample... |
| 6918537 |
System and method for managing stored-value card data |
| Jul-19-2005 |
A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible... |
| 6915279 |
System and method for conducting secure payment transactions |
| Jul-5-2005 |
In a secure electronic payment system, authentication data is sent from a payment account issuer to user software operated by a purchaser. The user software sends the authentication data to a merchant... |
| 6915277 |
Method for dual credit card system |
| Jul-5-2005 |
A dual credit card system is in two parts: a) the creation of a dual credit card; and b) the usage of a dual credit card. The creation begins with the receipt of an application by merchant for a dual credit... |
| 6911133 |
Automated system for issuing and managing offence tickets |
| Jun-28-2005 |
The invention concerns a system for issuing and managing offence tickets comprising a portable input device provided to the policeman for recording therein data concerning the contravening vehicle, a ticket... |
| 6910023 |
Method of conducting secure transactions containing confidential, financial, payment, credit, or other information over a network |
| Jun-21-2005 |
A method for enabling an individual, business, or other entity to exchange confidential information or to make purchases or conduct financial or other transactions over a public or quasi-public network... |
| 6907404 |
Automated investment chart pattern search system for technical analysis |
| Jun-14-2005 |
An automated investment chart pattern search system is provided. The system includes a computer, a historical information database accessible by the computer having historical information for a plurality... |
| 6904520 |
Method and system for ensuring the securing of computer servers of games |
| Jun-7-2005 |
The invention concerns a method and a system enabling gamesters (11) of a virtual casino to accede safely and rapidly, by means of a microphone (17) connected to a communication network (15), to the different... |
| 6904418 |
Method and apparatus for executing cryptographically-enabled letters of credit |
| Jun-7-2005 |
A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a cryptographically-encoded... |
| 6904136 |
Secure method of payment |
| Jun-7-2005 |
A process for a transfer of funds for payment for goods and/or services in which a purchaser of the goods and/or services requests that a financial services organization generate a financial certificate... |
| 6901387 |
Electronic purchasing method and apparatus for performing the same |
| May-31-2005 |
A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In various... |
| 6898575 |
Systems and methods for charitable donating |
| May-24-2005 |
An electronic donor directed charitable donation system designed specifically for the WWW/Internet whereby donors can direct the disposition of donations. Participating charitable institutions can identify... |
| 6898575 |
Systems and methods for charitable donating |
| May-24-2005 |
An electronic donor directed charitable donation system designed specifically for the WWW/Internet whereby donors can direct the disposition of donations. Participating charitable institutions can identify... |
| 6889895 |
Method and device for acquiring an electronic document |
| May-10-2005 |
A prior introduction into the memory of a document in a non-validated state, to be acquired by validation, and a function of acquiring the document, independent of the electronic purse function. When it... |
| 6889208 |
Contents sale system |
| May-3-2005 |
In a contents sale system, original contents data are encrypted into encryption-resultant contents data in response to original playback key data. The original playback key data are encrypted into first... |
| 6886741 |
Electronic transaction system |
| May-3-2005 |
An all-purpose transaction system using a universal card is disclosed herein. The universal card is issued by a transaction card processing center (TCPC) and can be used for various purposes and to conduct... |
| 6882986 |
Method for automatic processing of invoices |
| Apr-19-2005 |
A computerized method of automatically generating payment for electronic billing data including automatically obtaining billing data in an electronic format from a billing party for a billable party, and... |
| 6879965 |
Method, system and computer readable medium for web site account and e-commerce management from a central location |
| Apr-12-2005 |
A method, system and computer readable medium for, from a central Web site, performing at least one of registering a user at a destination Web site, logging in a user at a destination Web site and managing... |
| 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... |
| 6876979 |
Electronic commerce bridge system |
| Apr-5-2005 |
Systems and methods are provided for supporting electronic commerce in an environment in which multiple service providers each have associated vendors and in which a user may maintain an account at a service... |
| 6874071 |
Database commit control mechanism that provides more efficient memory utilization through consideration of task priority |
| Mar-29-2005 |
Disclosed is an enhanced database journaling mechanism that results in reduced secondary storage consumption. The memory management mechanism of the present invention reduces journal size, and accordingly,... |
| 6873974 |
System and method for use of distributed electronic wallets |
| Mar-29-2005 |
Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet... |
| 6873973 |
Cash dispensing automated banking machine and method |
| Mar-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), as well as... |
| 6868391 |
Tele/datacommunications payment method and apparatus |
| Mar-15-2005 |
A tele/datacommunications network has a service node (TSN) (30) which facilitates payment/transfer from a customer account of a customer financial institution (80) to a merchant account of a merchant financial... |
| 6865547 |
Customer activated multi-value (CAM) card |
| Mar-8-2005 |
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated... |
| 6859910 |
Methods and systems for transactional tunneling |
| Feb-22-2005 |
Methods and systems for executing an electronic transaction are provided, including parsing pages of a web server that execute a transaction to separate static from transactional content, identifying and... |
| 6857562 |
Electronic money system of token and value mixed type |
| Feb-22-2005 |
An electronic money system of a token and value mixed type includes an electronic money card of a type in which a token type for preferentially paying the coin money and paying the bill money when a coin... |
| 6856974 |
Electronic bill presentment technique with enhanced biller control |
| Feb-15-2005 |
An electronic bill presentment system includes network, a central network station, and a plurality of user and biller network stations. Each of the user stations is associated with a respective one of... |
| 6854646 |
Transaction management system and method |
| Feb-15-2005 |
A transaction processing method is provided for a transaction management system which processes transactions using settlement cards. In the transaction processing method, a transaction process is executed... |
