| 6345239 |
Remote demonstration of business capabilities in an e-commerce environment |
| Feb-5-2002 |
A system, method and article of manufacture are provided for demonstrating business capabilities in an e-commerce environment. Data connectivity is first provided between a plurality of sites on a network,... |
| 6341353 |
Smart electronic receipt system |
| Jan-22-2002 |
A smart electronic receipt system that provides intelligent receipts, called Smart Receipts, that electronically document a transaction between two parties and maintains a persistent connection between... |
| 6341273 |
Electronic coin stick with potential for future added value |
| Jan-22-2002 |
In a digital payment transactions system, a broker generates and stores a secret number. The broker then generates a chain of hash values by successive operations of a hash function, using the secret number... |
| 6339766 |
Electronic payment system employing limited-use account number |
| Jan-15-2002 |
Methods and systems for enabling an account holder to authorize the transfer of funds from an account using a limited-use account number. An account issuer establishes an account for the account holder... |
| 6339765 |
Method and apparatus for defining private currencies |
| Jan-15-2002 |
A method and apparatus for establishing and distributing a currency is disclosed. First, a user accesses a web site and downloads a form. The user completes and returns the form with a currency name, an... |
| 6336104 |
Method and apparatus for providing and processing installment plans at a terminal |
| Jan-1-2002 |
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... |
| 6332134 |
Financial transaction system |
| Dec-18-2001 |
A financial transaction system. The present invention includes a method for performing a financial transaction, wherein a cardholder makes a purchase from a merchant using credit established at a financial... |
| 6332133 |
Personal electronic settlement system, its terminal, and management apparatus |
| Dec-18-2001 |
According to the present invention provided is a settlement means that is superior in safety and usability. The settlement means comprises: payment means 100 including a plurality of systems of communication... |
| 6330548 |
Method and apparatus for providing and processing installment plans at a terminal |
| Dec-11-2001 |
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... |
| 6327577 |
Electronic bill payment system with account-number scheming |
| Dec-4-2001 |
A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a merchant's... |
| 6324524 |
Method and apparatus for an account level offer of credit and real time balance transfer |
| Nov-27-2001 |
A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of... |
| 6324523 |
Integrated client relationship management processor |
| Nov-27-2001 |
A data processing system initiates, implements, confirms and updates a novel financial transaction support service, which provides an allotment of brokerage transactions, related financial services, and... |
| 6321213 |
Electronic money processing method having a transaction fee collecting function and an electronic money storage apparatus for the same |
| Nov-20-2001 |
An electronic money storage apparatus includes that an amount of remittance p is determined on a remitting side and a receiving side. A remitting apparatus obtains a remitter's transaction fee x and an... |
| 6315196 |
Method and system for debt deferment |
| Nov-13-2001 |
A computerized method and system for automatic deferment of debt on a credit account of a customer of a financial institution includes a credit protector system of the financial institution which receives... |
| 6311170 |
Method and apparatus for making payments and delivering payment information |
| Oct-30-2001 |
When characterized as an improved method of making payments from a plurality of payor entities to a plurality of payee entities through a service provider, a number of method steps which will now be described.... |
| 6311167 |
Portable 2-way wireless financial messaging unit |
| Oct-30-2001 |
A portable 2-way secure financial messaging unit (906) includes a receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a transmitter (1034).... |
| 6304859 |
System and method for premium optimization and loan monitoring |
| Oct-16-2001 |
A system and process linking an external computer with an illustration system of an insurance carrier and a system of an independent lending institution, via modem, to determine the optimal premium structure... |
| 6298335 |
Method of controlling payment of debts |
| Oct-2-2001 |
A method and apparatus are provided for executing payment of a debt by a person to a payee. The method includes the steps of negotiating payment terms with the payee and entering the negotiated payment... |
| 6292789 |
Method and system for bill presentment and payment |
| Sep-18-2001 |
A method and system for presentment of bills on a computer network includes a biller account hosted on a server of a bill service provider for receiving a bill file from a biller that includes bill data.... |
| 6289322 |
Electronic bill processing |
| Sep-11-2001 |
A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different... |
| 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,... |
| 6278983 |
Automated resource allocation and management system |
| Aug-21-2001 |
An automated resource allocation and management system moves money between an invested fund and an uninvested fund, where the invested fund is typically invested in the stock market and the uninvested... |
| 6269348 |
Tokenless biometric electronic debit and credit transactions |
| Jul-31-2001 |
The invention satisfies these needs by providing a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at... |
| 6269345 |
Transfer system and method for transferring amounts in different local currencies between a plurality of local banking organization |
| Jul-31-2001 |
To transfer a quantity measured in a first unit used by a first entity to a second entity using a second unit, these units being associated with a respective parameter varying as a function of time, the... |
| 6246999 |
Financial services account manager system |
| Jun-12-2001 |
A method of reporting accounting information to acquiring banks includes compiling accounting information from different processing systems to a mainframe. The accounting information is then routed to... |
| 6246996 |
Computerized system for facilitating transactions between parties on the internet using e-mail |
| Jun-12-2001 |
A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides... |
| 6240415 |
Corporate and entertainment management interactive system using a computer network |
| May-29-2001 |
A system, method, and apparatus is provided for computerized management of a method of corporate, business or sports management by a remote party comprising relating a current database of an entity. For... |
| 6236973 |
Apparatus and method for providing collateral construction loan insurance coverage |
| May-22-2001 |
A centralized automated apparatus for lending institutions to initiate, report and confirm insurance coverage on buildings used as collateral for construction loans under a single builder's risk policy... |
| 6233565 |
Methods and apparatus for internet based financial transactions with evidence of payment |
| May-15-2001 |
A system and methods for conducting Internet based financial transactions between a client and a server. The client has a processor, a printer, a client authentication module, a module for issuing a transaction... |
| 6230148 |
Tokenless biometric electric check transaction |
| May-8-2001 |
A tokenless authorization of an electronic check between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample is described. The method comprises a... |
| 6230145 |
Method for providing bank card transaction data |
| May-8-2001 |
A method of providing bank transaction data for a merchant via the Internet includes displaying on a computer connected to a host a graphical user interface having a plurality of payment services categories.... |
| 6223168 |
Automatic remittance delivery system |
| Apr-24-2001 |
A remittance delivery system is provided that that accepts payment information from a variety of applications (e.g. vendor payments, taxes, claims, payroll, T&E, commissions, trust, etc.), translates the... |
| 6222536 |
Method and apparatus for providing a number of subscribers with on-line banking service employing a plurality of bank systems |
| Apr-24-2001 |
A relay server system for providing banking services to the subscriber comprises: a subscriber coupling unit, connected to subscriber terminals, for performing a protocol conversion process; a data storage... |
| 6219651 |
Protection of transaction data |
| Apr-17-2001 |
The invention presented describes the protection of transaction data in cash-free payment traffic from its creation to its processing by means of stock-exchange chip cards (4). In each payment transfer,... |
| 6216115 |
Method for multi-directional consumer purchasing, selling, and transaction management |
| Apr-10-2001 |
An integrated credit card data processing method that allows transactions to be processed either as a payment or as a receipt of payment. The new process is a combination of the regular data processing... |
| 6205437 |
Open network payment system for providing for real-time authorization of payment and purchase transactions |
| Mar-20-2001 |
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer... |
| 6205435 |
Self-contained payment system with circulating digital vouchers |
| Mar-20-2001 |
A self-contained payment system uses circulating digital vouchers for the transfer of value. The system creates and transfers digital vouchers. A digital voucher has an identifying element and a dynamic... |
| 6205433 |
System and method for multi-currency transactions |
| Mar-20-2001 |
A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication... |
| 6202054 |
Method and system for remote delivery of retail banking services |
| Mar-13-2001 |
A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line... |
| 6202053 |
Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants |
| Mar-13-2001 |
The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at least one... |
| 6199055 |
System and method for providing fault tolerant transcriptions over an unsecured communication channel |
| Mar-6-2001 |
A system and method for conducting secure fault tolerant transactions, such as financial transaction, remotely is disclosed. The transactions are conducted utilizing a portable processor device which is... |
| 6199051 |
Digital active advertising |
| Mar-6-2001 |
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer... |
| 6199046 |
Method system and article of manufacture for performing real time currency conversion |
| Mar-6-2001 |
A currency converter consisting of a source of exchange rate information with either an object performing the role of currency selection, exchange rate information retrieval, and price display, or objects... |
| 6195649 |
Digital active advertising |
| Feb-27-2001 |
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed by buyer... |
| 6190256 |
Gaming device and method of operation thereof |
| Feb-20-2001 |
A gaming device and method of operation thereof are provided in which the gaming device receives a loan request, which includes a loan amount, to establish a balance without having received payment therefor.... |
| 6185544 |
Processing system for charge request data |
| Feb-6-2001 |
The processing system for charge request data of the present invention comprises data input means for inputting charge request data, including charge transfer day, requesting organization, paying organization... |
| 6178409 |
System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
| Jan-23-2001 |
A server communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers. Service requests are associated... |
| 6173269 |
Method and apparatus for executing electronic commercial transactions with minors |
| Jan-9-2001 |
A method and apparatus is provided for executing electronic transactions with teens, especially where such transactions are limited only to those vendors that have been approved by the teen's parents.... |
| 6169975 |
Point-of-distribution pre-paid card vending system |
| Jan-2-2001 |
A novel system and process have been developed whereby a prepaid phone card, or any other similar inventory, may be easily and efficiently distributed at, for example, a point-of-sale. A computerized terminal... |
| 6169974 |
Method for closed loop processing of transactions utilizing bank card association |
| Jan-2-2001 |
A procedure for tracking transactions carried out between multiple cost centers and an in-house supply facility of a business entity is carried out by setting up the supply facility to function essentially... |
