| 6853984 |
Method and apparatus for credit card processing via facsimile |
| Feb-8-2005 |
A method and apparatus for making credit card transactions which includes utilizing a facsimile machine for transmitting credit card information and purchase amount to an information processing center.... |
| 6850767 |
Transaction tray with communications means |
| Feb-1-2005 |
A transaction tray comprises a surface having a first writing portion, a display screen and communications means for receiving information to be displayed on the display screen, wherein the information... |
| 6847947 |
Method and system for reduced cost debit processing |
| Jan-25-2005 |
A method is provided for processing debit transactions at the lowest cost available. The method is comprised of the following steps: providing a merchant identification number and an account number BIN... |
| 6842740 |
Method for providing automatic payment when making duplicates of copyrighted material |
| Jan-11-2005 |
A method and system for providing payment when duplicating a document containing copyrighted material, comprising the steps of: locating and electronically reading a billing mark, if it exists, on a document... |
| 6839692 |
Method and apparatus to provide secure purchase transactions over a computer network |
| Jan-4-2005 |
A method and structure for providing secure credit facility transactions for purchasing goods and services over a computer network such as the Internet that stores user's privileged information and other... |
| 6836764 |
Tiered interest rate revolving credit system and method |
| Dec-28-2004 |
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... |
| 6829597 |
Method, apparatus and computer program product for processing cashless payments |
| Dec-7-2004 |
A computer program product and programmed method for performing cashless payments between a customer and a dealer via a bank. The invention is embodied in an on-line computerized process between customer... |
| 6826547 |
Printer service denial |
| Nov-30-2004 |
In a system in which a user obtains documents, a method of controlling what is supplied to the user, the method including providing one or more user accounts for the user and providing the or each user... |
| 6826545 |
Method for settling accounts among a plurality of participants |
| Nov-30-2004 |
A netting service provider determines, on the basis of payment information from netting service participants, the value of security each of the participants is required to deposit. The netting service... |
| 6826544 |
Automated loan repayment |
| Nov-30-2004 |
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... |
| 6823319 |
System and method for automated process of deal structuring |
| Nov-23-2004 |
An automated deal processing for customers is disclosed, and includes prompting a customer for at least one deal parameter, such as loan amount, prompting the customer for information relating to the customer,... |
| 6807410 |
Electronic payment process and system for implementing this process |
| Oct-19-2004 |
Electronic payment process and system for implementing such a process. Customer equipment is mobile equipment, for example of the GSM type. In addition to the customer (C) and the merchant (M), a gateway... |
| 6801919 |
Object oriented database interface encapsulation that allows for chronologically overlapping transactions in a multi-threaded environment |
| Oct-5-2004 |
A method for allowing chronologically overlapping database transactions in a multi-threaded environment without the need for explicit thread synchronization for database access. Literal database connections... |
| 6799165 |
Apparatus and methods for inventory, sale, and delivery of digitally transferable goods |
| Sep-28-2004 |
An apparatus is disclosed herein comprising: a) a storage and distribution means; b) an inventory upload means; c) a product information download means; d) an order upload means; and e) a delivery download... |
| 6796489 |
Processing electronic documents with embedded digital signatures |
| Sep-28-2004 |
Systems and methods for processing or recording electronic documents that have embedded digital signatures. In an electronic document, signature blocks are used to embed the digital signatures. When an... |
| 6785661 |
System and method a risk based purchase of goods |
| Aug-31-2004 |
A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for receiving... |
| 6785590 |
Robotic device management system and method, and information management apparatus |
| Aug-31-2004 |
Robot-related information held at a robot user and data held at a robot manufacturer are used to enhance the user's sense of attachment to the robot. Each terminal device is operable to send information... |
| 6783065 |
Purchasing card transaction risk model |
| Aug-31-2004 |
A method for quantifying risk of fraud associated with a purchasing card transaction includes obtaining a charge-back history associated with a consumer involved in the purchasing card transaction; and... |
| 6783062 |
System for inhibiting fraud in relation to the use of negotiable instruments |
| Aug-31-2004 |
The invention relates to a system for inhibiting fraud in relation to the use of negotiable instruments and, particularly, in relation to cheques and credit cards. The system requires the owners of cheques... |
| 6772131 |
Distributed, object oriented global trade finance system with imbedded imaging and work flow and reference data |
| Aug-3-2004 |
An object oriented trade finance system designed to support a large-scale transactional work flow on a global basis. The system is designed to support imbedded imaging technology for the scanning, storage... |
| 6769605 |
Money transfer system |
| Aug-3-2004 |
A method of promptly transferring cash from a sender to a receiver who is some distance from the sender. The intended receiver obtains a free unactivated cash card. The card includes an identification... |
| 6764001 |
Electronic money system and transaction method using the same |
| Jul-20-2004 |
An electronic money system and an electronic money terminal used therein which facilitate and promote the transaction by card representing cash. A user carries out a transaction by using an information... |
| 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... |
| 6760470 |
Extraction of bank routing number from information entered by a user |
| Jul-6-2004 |
A computer-implemented method is disclosed for extracting a user's bank account information from information entered by the user from the face of a check. The extracted information may be used to electronically... |
| 6757664 |
Method and system for verification of checks at a point of sale |
| Jun-29-2004 |
A method for providing information concerning the availability of funds to cover a check proffered at a point of sale. In one embodiment, the method comprises capturing at the point of sale check transaction... |
| 6755342 |
Credit card validation for an interactive wireless network |
| Jun-29-2004 |
An apparatus and method for validating a credit card over a wireless network. The apparatus includes a gateway for sending a credit card validation reply message to a wireless device in response to receiving... |
| 6754636 |
Purchasing systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network |
| Jun-22-2004 |
Purchasing systems and methods are provided wherein a buyer takes possession of a product at a retailer. A purchasing system may communicate with a buyer through a communication network to establish a... |
| 6742125 |
Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol |
| May-25-2004 |
A protocol and system for securely communicating a financial transaction between a customer and a merchant and a distributed computer network employing the protocol or system. A central authority having... |
| 6721743 |
Value points exchanging managing method among first and second business entities where value points available to on-line customer obtaining goods or services |
| Apr-13-2004 |
A customer-use terminal unit 20 managed by a customer transmits exchange instructing information, which instructs an exchange of valuable points obtained by the customer for communication points used for... |
| 6721716 |
Payment certification string and related electronic payment system and method |
| Apr-13-2004 |
An electronic statement, bill presentment and payment system and method includes a customer client software program and client database, and a biller server software program and server database connected... |
| 6711551 |
Information provider, terminal and system and recording medium for the terminal |
| Mar-23-2004 |
To provide a terminal with which a user can safely make payments using a communication network. The terminal has a browser for communicating with the World Wide Web or other public computer network and... |
| 6704714 |
Virtual private lock box |
| Mar-9-2004 |
A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account,... |
| 6702672 |
Wireless interactive gaming system |
| Mar-9-2004 |
A system and method for playing a wagering game uses a wireless gaming device including an identification code, entry apparatus for entering wagering information by a player, and a transmitter. A receiver... |
| 6701303 |
E-commerce system and method of operation enabling a user to conduct transactions with multiple retailers without certification and/or trusted electronic paths |
| Mar-2-2004 |
An E-commerce system enables a user to conduct transactions with a retailer via a network, typically the Internet without certification or trusted paths. The user is a customer of a financial institution... |
| 6691093 |
Multi-level marketing computer network server |
| Feb-10-2004 |
A server system for multi-level vending of any electronically transferable product through a communications network directly to a customer's computer. This server system (herein called a Sales Support... |
| 6678664 |
Cashless transactions without credit cards, debit cards or checks |
| Jan-13-2004 |
Cashless transactions are performed by transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser. The transmitted identifying information is... |
| 6678401 |
Automated currency processing system |
| Jan-13-2004 |
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past a full image... |
| 6671677 |
System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with a mortgage loan |
| Dec-30-2003 |
In the present invention, a system and method is described for reducing the mortgage interest rate and mortgage guaranty insurance premium associated with a mortgage loan by financing discount points into... |
| 6662166 |
Tokenless biometric electronic debit and credit transactions |
| Dec-9-2003 |
A method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample. The method comprises a... |
| 6654709 |
Automatic remote monitoring system for setting a near-end value |
| Nov-25-2003 |
A remote monitoring system includes an object apparatus and a monitoring apparatus monitoring a current state of the object apparatus over a communications network. The object apparatus includes a state... |
| 6647376 |
System and method for point-of-sale check authorization |
| Nov-11-2003 |
A point-of-sale check authorization method inputs transaction and financial institution information from a check to be authorized. This information is communicated to a merchant processor operable to make... |
| 6636833 |
Credit card system and method |
| Oct-21-2003 |
A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby... |
| 6631358 |
Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions |
| Oct-7-2003 |
The present invention provides tools and techniques for directing funds on behalf of a consumer to a specified account as a beneficial side-effect of a transaction that is primarily directed toward another... |
| 6625582 |
Method and system for converting a designated portion of future social security and other retirement payments to current benefits |
| Sep-23-2003 |
A system and method for a beneficiary of Social Security payments or other retirement payments to access present value of future benefits to meet current financial and other objectives is provided. A financial... |
| 6618708 |
Processing system for charge request data |
| Sep-9-2003 |
A processing system for charge request data issued from a charge requesting organization performs collective processing of the request data without generating payment slips. This system includes filter... |
| 6616035 |
Method and device for identification and authentication |
| Sep-9-2003 |
A method and a device of identification and authentication of a holder of a mobile electronic transaction device in an electronic transaction process between a transaction service provider and a transaction... |
| 6615193 |
Monitoring system and method |
| Sep-2-2003 |
This invention provides a system and method for electronic value payment in which a practical and secure means for auditing and accounting electronic value is achieved. The invention offers a means for... |
| 6615191 |
Software licensing and distribution systems and methods employing biometric sample authentication |
| Sep-2-2003 |
Software validation and distribution methods and apparatus are disclosed. These can include storing biometric identification information received from a customer in a customer storage area, receiving a... |
| 6615190 |
Sponsor funded stored value card |
| Sep-2-2003 |
A method and system for issuing a sponsor funded stored value card. A sponsor company funds an account associated with the stored value card. The stored value card is issued to a cardholder, who can withdraw... |
| 6615187 |
Method of securitizing and trading real estate brokerage options |
| Sep-2-2003 |
The present invention relates to a method of creating, purchasing and selling the real estate brokerage commissions typically collected upon the sale of real property. A property owner sells, for a certain... |
