| 6167387 |
Cashless card revalue system |
| Dec-26-2000 |
This invention concerns a cashcard system for purchasing laundry services wherein the user is issued with a cashcard and a personal identification number. Each of the laundry facilities is provided with... |
| 6167385 |
Supply chain financing system and method |
| Dec-26-2000 |
A method for financing a supply of goods (a supply chain) from a supplier to a buyer in which the buyer has a lower cost of funds than the supplier. According to the method, the buyer generates a purchase... |
| 6163771 |
Method and device for generating a single-use financial account number |
| Dec-19-2000 |
A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a... |
| 6155484 |
Electronic money system of token and value mixed type |
| Dec-5-2000 |
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... |
| 6154879 |
Tokenless biometric ATM access system |
| Nov-28-2000 |
The present invention provides a method for tokenless biometric access to financial accounts at an institution using an automated teller machine. This method comprises a user registration step, wherein... |
| 6154732 |
System for providing investment advice and management of pension assets |
| Nov-28-2000 |
A system and method for a data processor implemented system monitor for enabling individual employee participants to access independent professional money management for their Benefit Plan assets in a... |
| 6151588 |
Full service trade system |
| Nov-21-2000 |
A system stores criteria specified by a funder relating to trade transactions for buyers and sellers. The system compares the criteria with a proposed purchase order to determine whether the system can... |
| 6141651 |
Funding and settlement integrated suspense processing system |
| Oct-31-2000 |
A method of reporting suspense transaction detail to acquiring banks includes compiling financial transaction information to a database. The information in the database is then routed to a server operable... |
| 6138907 |
Electronic transaction processing system and method for operating same |
| Oct-31-2000 |
An electronic transaction processing system performing a deposit and/or a withdrawal of digital cash between a customer and a banking facility includes a customer money card storing digital cash of the... |
| 6138107 |
Method and apparatus for providing electronic accounts over a public network |
| Oct-24-2000 |
A system provides an efficient way of providing electronic accounts to customers over a public network, in which all payments are traceable, i.e. anonymity is available to the degree that the customer... |
| 6134593 |
Automated method for electronic software distribution |
| Oct-17-2000 |
A method for a user to automatically order, unlock and pay for a vendor software application via an automated telephony and/or Internet system. The user requests access to a vendor software application.... |
| 6129271 |
Electronic funds transfer network test system |
| Oct-10-2000 |
A system is described which permits a financial institution to provide for testing of software and equipment which is intended for use in an electronic funds transfer network. The system permits the validation... |
| 6128599 |
Method and apparatus for processing customized group reward offers |
| Oct-3-2000 |
The present invention is an apparatus for providing and managing a customized reward offer to an affinity group sponsor based on the aggregate performance of members of the group. The apparatus includes... |
| 6125356 |
Portable sales presentation system with selective scripted seller prompts |
| Sep-26-2000 |
A handheld computer unit for use by, e.g., a car sales person (seller) prompts the seller with a standard script to be followed at each step in the process after a prospect enters a dealership. The prospect's... |
| 6122625 |
Apparatus and method for secure transacting |
| Sep-19-2000 |
An improved monetary system using electronic media to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is interchangeable with... |
| 6119105 |
System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture |
| Sep-12-2000 |
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer... |
| 6112191 |
Method and system to create and distribute excess funds from consumer spending transactions |
| Aug-29-2000 |
An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network... |
| 6108640 |
System for calculating occasion dates and converting between different calendar systems, and intelligent agent for using same |
| Aug-22-2000 |
An occasion database and a date converter are provided in a device which allows a user to retrieve restored occasion information, whether the occasion occurs in the Gregorian calendar or a non-Gregorian... |
| 6105862 |
Method for performing a double-signature secure electronic transaction |
| Aug-22-2000 |
A method for performing electronic transactions between a card, a service provider having at least one terminal configured to accept the card and a centralized system configured to be connected to the... |
| 6105010 |
Biometric certifying authorities |
| Aug-15-2000 |
A biometric certifying authority (BCA) management system and method provide and maintain a hierarchical relationship among biometric certifying authorities in the issuance of biometric certificates. Biometric... |
| 6105009 |
Automated teller machine dispenser of debit cards |
| Aug-15-2000 |
An automated machine for dispensing debit cards that includes an automated teller machine (ATM) with input and output capabilities and a dispenser for debit cards that include each one unique identification... |
| 6105007 |
Automatic financial account processing system |
| Aug-15-2000 |
A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks,... |
| 6105006 |
Transaction authentication for 1-way wireless financial messaging units |
| Aug-15-2000 |
A secure financial messaging unit (906) includes a wide area radio frequency receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a message... |
| 6105001 |
Non-cash transaction incentive and commission distribution system |
| Aug-15-2000 |
An electronic fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use of a... |
| 6094643 |
System for detecting counterfeit financial card fraud |
| Jul-25-2000 |
Counterfeit financial card fraud is detected based on the premise that the fraudulent activity will reflect itself in clustered groups of suspicious transactions. A system for detecting financial card... |
| 6092053 |
System and method for merchant invoked electronic commerce |
| Jul-18-2000 |
A system and method for merchant invoked electronic commerce allowing consumers to purchase items over a network and merchants to receive payment information relating to the purchases. The system includes... |
| 6088686 |
System and method to performing on-line credit reviews and approvals |
| Jul-11-2000 |
A user-friendly on-line computerized system operates in real-time thus streamlining the processing of applications for products and services offered by a financial institution. The system automates many... |
| 6085171 |
Order entry system for changing communication service |
| Jul-4-2000 |
A system for processing an order to change communication service includes a client that receives order data and an authorization image associated with a customer that desires to change communication service.... |
| 6085168 |
Electronic commerce settlement system |
| Jul-4-2000 |
In an electronic commerce, a processing unit in a financial institution freezes an account balance at a request from a purchaser, generates provisional settlement money, that is, money information, and... |
| 6081791 |
Enhanced ATM for facilitating telephony access |
| Jun-27-2000 |
An improved, automated teller machine (ATM) for enhanced telephony access is provided. The ATM provides for conventional financial transactions with financial institutions as well as the purchase of prepaid... |
| 6081790 |
System and method for secure presentment and payment over open networks |
| Jun-27-2000 |
A system for secure presentment and payment having a first electronic processing device and a second electronic processing device. The first processing device creates a presentment ticket from stored invoice... |
| 6078902 |
System for transaction over communication network |
| Jun-20-2000 |
A method for conducting transaction between first user and a remote second user interlinked through a communication network, by utilizing also a clearing office interlinked to the network. The clearing... |
| 6076075 |
Retail unit and a payment unit for serving a customer on a purchase and method for executing the same |
| Jun-13-2000 |
A payment unit is provided for serving a customer making a purchase. The customer has an electronic wallet containing an electronic checkbook for making payments for purchases of not less than a minimal... |
| 6076073 |
Method of debiting an electronic payment means |
| Jun-13-2000 |
The invention provides a method for protectedly debiting an electronic payment mechanism, such as a telephone card. In the communication protocol between the payment mechanism and a payment station, an... |
| 6073118 |
Method for performing secure financial transactions using facsimile transmissions |
| Jun-6-2000 |
Secure financial transactions may be made with insecure facsimile transmissions using encoded customer-specific information that can be readily decoded and confirmed by a merchant. The encoded information... |
| 6073113 |
Compatibility checking between instruments, operations and protocols in electronic commerce |
| Jun-6-2000 |
The present invention provides a modular infrastructure for electronic commerce that allows electronic financial instruments to work with a variety of different protocols. One embodiment of the present... |
| 6072870 |
System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture |
| Jun-6-2000 |
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer computer... |
| 6070154 |
Internet credit card security |
| May-30-2000 |
A method for transmitting credit card numbers in a secure manner through an electronic medium such as the Internet. Credit card numbers typically consist of a string of 10-20 digits, with the exact number... |
| 6070153 |
System and method for automatically investing a portion of a credit card interest charged amount in an investment account |
| May-30-2000 |
A system and methods for automatically investing, a portion of interest charged amount paid by the card issuer or the cardholder, on a credit card account, to an individual retirement account, taxpayer... |
| 6070141 |
System and method of assessing the quality of an identification transaction using an identificaion quality score |
| May-30-2000 |
A system and method of assessing the quality of an identification transaction is disclosed. The method includes the following steps: registering a plurality of persons to be identified by providing at... |
| 6064990 |
System for electronic notification of account activity |
| May-16-2000 |
Disclosed is a system for notifying a user of account activity, such as a withdrawal from a savings or checking account. A computer system maintains information on financial accounts and electronic user... |
| 6064987 |
Method and apparatus for providing and processing installment plans at a terminal |
| May-16-2000 |
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... |
| 6061664 |
System for facilitating the ordering and paying of services by means of a communication network |
| May-9-2000 |
The invention relates to a system (1) for electronic orders and payments by means of a communication network (6), such as a telephone network. A facilitating unit (2) comprising a voice response system... |
| 6058383 |
Computationally efficient method for trusted and dynamic digital objects dissemination |
| May-2-2000 |
A computationally efficient method for trusted and dynamic dissemination of digital objects. Related digital objects of various types are grouped, based on their usage and functionality, by an information... |
| 6058382 |
Electronic money holding device utilizing an automatic payment method |
| May-2-2000 |
An electronic money holding device has a first storage unit for storing a uniquely assigned identification number and an amount of held electronic money, a processor for controlling the reference to and... |
| 6058381 |
Many-to-many payments system for network content materials |
| May-2-2000 |
A payment method (100) suitable for network (10) transactions in merchandise (12) between purchasers (14) and vendors (18), employing the services of guarantors (16) which issue vouchers (20) for payment.... |
| 6052675 |
Method and apparatus for preauthorizing credit card type transactions |
| Apr-18-2000 |
The method and apparatus for pre-authorizing transactions includes providing a communications device to a vendor and a credit card owner. The credit card owner initiates a credit card transaction by communicating... |
| 6049787 |
Electronic business transaction system with notarization database and means for conducting a notarization procedure |
| Apr-11-2000 |
A center site is disposed to intervene in a business transaction achieved through a network. The center site includes an open business information database in which open business information received from... |
| 6049785 |
Open network payment system for providing for authentication of payment orders based on a confirmation electronic mail message |
| Apr-11-2000 |
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... |
| 6049784 |
Method for creating and managing a lease agreement |
| Apr-11-2000 |
A method for creating and managing a lease agreement includes providing predetermined financial information regarding a potential tenant and a potential landlord to a lease control intermediary, evaluating... |
