| 6615109 |
System and method for generating an action of an automatic apparatus |
| Sep-2-2003 |
The robotic apparatus is designed to act in a wider variety of manners, which will motivate the user of the robotic apparatus to purchase more products to the robotic apparatus. More specifically, a robotic... |
| 6611819 |
Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon |
| Aug-26-2003 |
An IC card incorporates a processor, a memory, etc. The memory stores therein a general electronic money balance having an unlimited use range, a specific electronic money balance having a limited use... |
| 6611817 |
Automated technique for code generation of datastream mappings |
| Aug-26-2003 |
Complex data protocols, such as the financial protocols OFX and Gold, generate data streams in which some elements may not have a one-to-one mapping between protocols, some elements may have only conditional... |
| 6609654 |
Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions |
| Aug-26-2003 |
A user can customize use of a payment card, which can be an electronic card, by selecting either a first or a second user key as a selected user key. The selected user key is entered into a card number... |
| 6609113 |
Method and system for processing internet payments using the electronic funds transfer network |
| Aug-19-2003 |
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,... |
| 6606606 |
Systems and methods for performing integrated financial transaction |
| Aug-12-2003 |
The invention provides a tool kit for a small business owner to manage a plurality of different financial accounts and services and to perform a number of different financial transactions, wherein each... |
| 6598030 |
Method and apparatus for pattern generation |
| Jul-22-2003 |
Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data... |
| 6594644 |
Electronic gift certificate system |
| Jul-15-2003 |
An electronic gift certificate system is disclosed which distributes electronic gift certificates in the form of e-mail documents that include hyperlinks for automating the redemption process. When a gift... |
| 6587867 |
Internet-based subscriber profile management of a communications system |
| Jul-1-2003 |
A telecommunications system includes multiple services. For example, the system provides multiple communications services with a single number for a subscriber. The subscriber can easily configure, manage... |
| 6587841 |
Computer implemented automated credit application analysis and decision routing system |
| Jul-1-2003 |
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective... |
| 6585598 |
Method for cashless gaming |
| Jul-1-2003 |
A gaming system method uses typically a wireless communication device, and includes the following steps: Call data is provided identifying a gaming system player. This would normally be a typical identifying... |
| 6584453 |
Reversible move/merge operation for a general ledger |
| Jun-24-2003 |
One embodiment of the present invention provides a system for moving balances from at least one source account into a target account and subsequently reversing the movement. The system operates by receiving... |
| 6581042 |
Tokenless biometric electronic check transactions |
| Jun-17-2003 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic identicator and at least one payor bid biometric sample is described. The method comprises a payor registration... |
| 6578016 |
Tax advantaged transaction structure (TATS) and method |
| Jun-10-2003 |
A tax advantage transaction structure (TATS) and method directs that a first entity assigns disposable property it owns to a second entity in exchange for a contingent installment obligation. The disposable... |
| 6571149 |
Shipment transaction system and method |
| May-27-2003 |
A computer processing system for a shipment transaction involving a shipper and a carrier. The system is particularly suited to efficiently automate the payment of a shipment transaction and to efficiently... |
| 6567791 |
Method and apparatus for a verifiable on line rejection of an application for credit |
| May-20-2003 |
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor... |
| 6553358 |
Decision-theoretic approach to harnessing text classification for guiding automated action |
| Apr-22-2003 |
A decision-theoretic approach for guiding automated actions. In one embodiment, a computer-implemented method first determines a text to analyze. The method then determines an action probability based... |
| 6553346 |
Conditional purchase offer (CPO) management system for packages |
| Apr-22-2003 |
A conditional purchase offer (CPO) management system for receiving and processing CPOs for packages of component goods or services. The package CPO management system preferably deconstructs an overall... |
| 6550011 |
Media content protection utilizing public key cryptography |
| Apr-15-2003 |
A system and method for providing protection of content which may be transmitted over unsecure channels, including storage and transmission in bulk media, transmission over a network such as the Internet,... |
| 6546373 |
System and method for recovering refundable taxes |
| Apr-8-2003 |
A system for recovering refundable taxes such as value-added taxes (VAT) uses a transaction card, such as a credit or debit or electronic cash card, to record purchases made by a traveler that are subject... |
| 6542875 |
Charitable and public funding using tax credits and passive losses |
| Apr-1-2003 |
Limited partnerships formed for specified public purposes, such as qualified low-income and elderly housing construction and services, are federally tax advantaged. In accordance with the present invention,... |
| 6539363 |
Write input credit transaction apparatus and method with paperless merchant credit card processing |
| Mar-25-2003 |
A method and system for generating a completed payment document ready for signature in image form and enabling signature in image form, storing the image and providing a printed copy of the document including... |
| 6526390 |
Independent billing settlement for call origination by wireless subscribers roaming to foreign wireless networks |
| Feb-25-2003 |
Method and system to bypass GSM Memorandum of Understandings for cellular/PCS services so that GSM subscribers roaming into CDMA or TDMA networks, and CDMA or TDMA subscribers roaming into GSM networks,... |
| 6526389 |
Telecommunications system for generating a three-level customer behavior profile and for detecting deviation from the profile to identify fraud |
| Feb-25-2003 |
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... |
| 6516996 |
Electronic payment system |
| Feb-11-2003 |
Equipment and method for acknowledging a transaction in an electronic payment system, comprising first processing means for providing electronic receipts corresponding to payments, second processing means... |
| 6505178 |
Automatic teller machine with secure variable storage for internet applications |
| Jan-7-2003 |
A memory controller component (10, 30, 40) for an Internet application such as a bank, airline or supermarket web site is disclosed. The component is instantiated from a web page in the application and... |
| 6502121 |
System and method for processing a recurrent operation |
| Dec-31-2002 |
The processing system includes a storage device for maintaining entity information including period information indicative of information processing periods for the entity. A scheduling application defines... |
| 6493683 |
Open commodites exchange |
| Dec-10-2002 |
A system and method of trading commodities includes an open commodities exchange server which can be accessed by registered customers. Registration of the customers with the system includes providing information... |
| 6490568 |
Automated system and method for monitoring financial transactions |
| Dec-3-2002 |
An automated system and method which monitors the cash flow of the merchant account and maintains a minimum balance for each merchant account based upon allowable delays. The automated system/method includes... |
| 6490567 |
System and method for distributed content electronic commerce |
| Dec-3-2002 |
Distributed electronic commerce is conducted over a network by substantially separating transaction functionality from merchant content. Electronic commerce transaction functionality is provided by a commerce... |
| 6488203 |
Method and system for performing money transfer transactions |
| Dec-3-2002 |
A method of performing a send money transfer transaction through a financial services institution includes storing transaction details on a data base, wherein the transaction details include a desired... |
| 6484153 |
System and method for managing third-party input to a conditional purchase offer (CPO) |
| Nov-19-2002 |
A central controller receives an offer signal including at least one condition signal. The offer signal defines an offer having at least one condition from a customer. The central controller also receives... |
| 6477578 |
System and method for conducting secure internet transactions |
| Nov-5-2002 |
A system and method for conducting secure electronic transactions via the Internet uses a second secure communication link for the transmission of sensitive information. Transactions are split so that... |
| 6456984 |
Method and system for providing temporary credit authorizations |
| Sep-24-2002 |
A method and system are provided for issuing credit as payment in a consumer transaction which eliminates the need for a traditional credit card while also minimizing any potential for fraud or theft.... |
| 6438599 |
Method and apparatus for establishing communication between a transaction initiator and a transaction processing system |
| Aug-20-2002 |
A system is provided for establishing communication between a transaction initiator and a transaction processing system, in which the transaction processing system has received a transaction from the transaction... |
| 6434534 |
Method and system for processing customized reward offers |
| Aug-13-2002 |
The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data associated... |
| 6430543 |
Controlled acceptance mail fraud detection system |
| Aug-6-2002 |
A method for processing controlled acceptance mail includes creating, at a first location, a batch of mail including a plurality of mailpieces, each of the plurality of mailpieces having unique indicia... |
| 6418420 |
Distributed budgeting and accounting system with secure token device access |
| Jul-9-2002 |
A distributed budgeting and accounting system is designed to operate with secure token devices. The secure token devices serve both as electronic currency purses and as secure vehicles for authorization.... |
| 6418418 |
Transaction information processing system |
| Jul-9-2002 |
An information processing system for transactions by telephone of the present invention comprises a receiving terminal, operated by an operator, for inputting information from a customer taken over a telephone,... |
| 6415271 |
Electronic cash eliminating payment risk |
| Jul-2-2002 |
A system and method to allow gold to circulate as digital cash through the global computer network (Internet) and/or private communication networks, in both hardwired and wireless systems, much like cash... |
| 6405182 |
System for dispensing prepaid debit cards through point-of-sale terminals |
| Jun-11-2002 |
Point-of-Sale machines that allow individuals to obtain from participating merchants, "over-the-counter", prepaid debit cards. The amount of the line of credit is determined from the amount prepaid and... |
| 6402027 |
Electronic money processing method and system thereof and a recording medium recording a program thereof |
| Jun-11-2002 |
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... |
| 6400270 |
Wallet protection system |
| Jun-4-2002 |
A wallet protection system for protecting credit cards is disclosed. The system comprises a selectively openable casing having a thickness. The casing includes a sensor means disposed within the thickness... |
| 6397198 |
Tokenless biometric electronic transactions using an audio signature to identify the transaction processor |
| May-28-2002 |
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... |
| 6397196 |
Hybrid installment loan/savings account |
| May-28-2002 |
A hybrid installment loan/savings account. A financial account is created for an account holder. An amount of money is payed to the account holder, and the amount is charged to the account so that the... |
| 6366893 |
System, a method and an apparatus for performing an electric payment transaction in a telecommunication network |
| Apr-2-2002 |
The invention relates to methods and apparatuses for performing electronic payment transactions between a terminal equipment (100) in a telecommunication network and the other transacting party (1,2, .... |
| 6363362 |
Technique for integrating electronic accounting systems with an electronic payment system |
| Mar-26-2002 |
A technique is provided for paying bills electronically using data generated by any of multiple accounting software packages. The data generated by each accounting software package has a different structure.... |
| 6363356 |
Referrer-based system for try/buy electronic software distribution |
| Mar-26-2002 |
The present invention, generally speaking, makes possible an associates program for electronic content distribution by providing a mechanism whereby a referrer may be identified at the time of purchase... |
| 6356878 |
Conditional purchase offer buyer agency system |
| Mar-12-2002 |
A conditional purchase offer (CPO) buyer agency system is disclosed for processing variable conditional purchase offers (CPOs) containing at least one variable condition. If a posted CPO is not accepted... |
| 6353889 |
Portable device and method for accessing data key actuated devices |
| Mar-5-2002 |
Data key actuated devices such as high security doors are modified so that they periodically transmit an identity pattern. An authorized user is provided with a portable access device storing keys for... |
