| 6049782 |
Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
| Apr-11-2000 |
A system and process for use by a financial institution to facilitate relationship pricing in connection with a single account that includes a plurality of account components, including a checking component,... |
| 6047269 |
Self-contained payment system with circulating digital vouchers |
| Apr-4-2000 |
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... |
| 6041314 |
Multiple account portable wireless financial messaging unit |
| Mar-21-2000 |
A portable secure financial messaging unit (906) includes a receiver (804) and a selective call decoder (1004). The selective call decoder (1004) has a memory (1010) that includes plurality of unique selective... |
| 6038549 |
Portable 1-way wireless financial messaging unit |
| Mar-14-2000 |
A secure messaging system including a secure messaging system controller (1100) and a first financial messaging unit (906). A user initiates a financial transaction by providing a transaction authentication... |
| 6036344 |
Secure check processing system and method |
| Mar-14-2000 |
An apparatus and a method for countering fraudulent check cashing schemes includes a central processing center that is connected to a plurality of banks through secure communication channels. Each check... |
| 6032136 |
Customer activated multi-value (CAM) card |
| Feb-29-2000 |
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... |
| 6032135 |
Electronic purse card value system terminal programming system and method |
| Feb-29-2000 |
An electronic purse card value system (10) includes terminal devices (12). Each terminal device includes a processor (26) which is in operative connection with a memory (28) and a modem (36). The terminal... |
| 6032134 |
Credit card billing system for identifying expenditures on a credit card account |
| Feb-29-2000 |
A data processing system and method are provided for allocating all charged transactions, accrued interest attributable to each charged transaction, and payments made by respective credit cardholders,... |
| 6029154 |
Method and system for detecting fraud in a credit card transaction over the internet |
| Feb-22-2000 |
A method and system for detecting fraud in a credit card transaction between consumer and a merchant over the Internet. The method and system comprises obtaining credit card information relating to the... |
| 6029151 |
Method and system for performing electronic money transactions |
| Feb-22-2000 |
The present invention relates to electronic monetary systems in general, and in particular to measures for making their use easier for an average user. The present invention is based on the idea that the... |
| 6029150 |
Payment and transactions in electronic commerce system |
| Feb-22-2000 |
A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent. A customer obtains an authenticated quote from a specific merchant, the quote including... |
| 6026379 |
System, method and article of manufacture for managing transactions in a high availability system |
| Feb-15-2000 |
An architecture is disclosed allowing a server to communicate bidirectionally with a gateway over a first communication link, over which service requests are initiated by the server. In response to a transaction... |
| 6026374 |
System and method for generating trusted descriptions of information products |
| Feb-15-2000 |
A system and method using of a trusted third party to provide a description of an information product to potential buyers without disclosing the entire contents of the information products, which might... |
| 6023687 |
Method for creating and managing a lease agreement |
| Feb-8-2000 |
A computerized system and method for creating and managing a lease agreement includes a lease control computer (14) including means (18,22) for analyzing and processing predetermined financial information... |
| 6023686 |
Method for conducting an on-line bidding session with bid pooling |
| Feb-8-2000 |
The invention presents a method for conducting an on-line bidding session to accumulate a collective bid for a property. The bidding session is conducted over a computer network that includes a central... |
| 6021399 |
Space efficient method of verifying electronic payments |
| Feb-1-2000 |
A method of verifying electronic payments generated using a key unknown to the verifier. In anticipation of accepting electronic payments, a seller requests and receives from a bank a conversation key... |
| 6018724 |
Method and apparatus for authenticating on-line transaction data |
| Jan-25-2000 |
The present invention comprises a method and apparatus for authenticating data related to on-line transactions. The invention utilizes a user-customized certification indicator that informs a user as to... |
| 6018723 |
Method and apparatus for pattern generation |
| Jan-25-2000 |
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... |
| 6016484 |
System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment |
| Jan-18-2000 |
An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms... |
| 6016482 |
Enhanced collateralized funding processor |
| Jan-18-2000 |
A computer system is provided for implementing, managing and tracking financial transactions. Various users may use this system to access a database for information retrieval or for entering a set of commands... |
| 6014647 |
Customer interaction tracking |
| Jan-11-2000 |
A method for processing transaction data to provide easy access to customer interaction information that may not have been otherwise available or easily accessible. Mining stored information related to... |
| 6014646 |
Process for making a payment using an account manager |
| Jan-11-2000 |
The present invention relates to a process for making a payment using an account manager or kiosk, the process guaranteeing the payment of the supplier and the anonymity of the customer. A customer (U)... |
| 6014635 |
System and method for providing a discount credit transaction network |
| Jan-11-2000 |
A system and method for providing a discount for a credit-based transaction. The system includes a discount credit network wherein a participant holding a transaction card account issued by a card issuer... |
| 6012144 |
Transaction security method and apparatus |
| Jan-4-2000 |
A method for performing secure transactions, such as credit card purchases, using two or more non-secure networks (such as the Internet and the public telephone system) in such a way that security is insured.... |
| 6012048 |
Automated banking system for dispensing money orders, wire transfer and bill payment |
| Jan-4-2000 |
An automated banking system for wire transfer of funds is provided with a machine where the user has a card to identify the user as being qualified to use the banking system. The user must know and be... |
| 6006208 |
MICR line decoding logic system |
| Dec-21-1999 |
The present invention is an automated system and method of initiating payments from a payor's checking account pursuant to the payor's authorization during a conversation via telephone, computer terminal... |
| 5999967 |
Electronic mail filtering by electronic stamp |
| Dec-7-1999 |
An improved method and apparatus for filtering electronic mail. The method and apparatus allows the receiver of electronic mail to make a decision to accept, reject, prioritize, or expedite delivery of... |
| 5999919 |
Efficient micropayment system |
| Dec-7-1999 |
Existing software proposals for electronic payments can be divided into "on-line" schemes which require participation of a trusted party (the bank) in every transaction and are secure against overspending,... |
| 5999625 |
Method for electronic payment system with issuer control |
| Dec-7-1999 |
A cryptographic method implemented on an electronic communication network interconnecting a plurality of terminals represents funds in a way that is secure at the issuer and secure when funds move from... |
| 5995626 |
Electronic shopping method, electronic shopping system and document authenticating method relating thereto |
| Nov-30-1999 |
An electronic shopping method is provided by both an apparatus 10 and an apparatus 30 to hold a key K(A, C) in common, and both the apparatus 30 and an apparatus 40 to hold a key K(B, C) in common. The... |
| 5993047 |
Apparatus and method for requesting and dispensing negotiable instruments |
| Nov-30-1999 |
The present invention provides an apparatus and method for requesting and dispensing negotiable instruments such as bank checks, money orders, and traveler's checks. An instrument may be requested in this... |
| 5991749 |
Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities |
| Nov-23-1999 |
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively allow such... |
| 5991748 |
Methods and apparatus for regenerating a prepaid transaction account |
| Nov-23-1999 |
An improved system for "regenerating" or adding funds to a prepaid, remote memory account. The system includes a service provider network or host computer system including an account database of prepaid... |
| 5991747 |
Electronic purse loan system |
| Nov-23-1999 |
When the amount of a former loan of the user of an IC card is written to a personal information storage provided in a center and the IC card is inserted into the slot of an electronic purse terminal at... |
| 5991736 |
Patronage incentive award system incorporating retirement accounts and method thereof |
| Nov-23-1999 |
Embodiments are disclosed of a patronage incentive system in which a monetary award is made to a customer's retirement account as incentive for the customer to participate in a transaction with the sponsor... |
| 5991412 |
Method for protectedly debiting an electronic payment means |
| Nov-23-1999 |
The invention relates to a method for protected transactions involving a so-called smart card and a terminal, such as a cash register. In order to prevent the smart card from simultaneously carrying out... |
| 5991411 |
Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like |
| Nov-23-1999 |
A system for rejecting second and subsequent copies of an informationally-equivalent card or badge asserted into a client/server system by processing only those cards having transaction histories recorded... |
| 5991380 |
Universal telecommunications services account |
| Nov-23-1999 |
A method and a system for accumulating charges for telecommunications services used during a calling card call, whether the calling card is periodically billed or prepaid. According to the invention, call... |
| 5987440 |
Personal information security and exchange tool |
| Nov-16-1999 |
Utilization of the E-Metro Community and Personal Information Agents assure an effective and comprehensive agent-rule based command and control of informational assets in a networked computer environment.... |
| 5987437 |
Method of improving assistance to an operator to balance an out-of-proof transaction and an apparatus therefor |
| Nov-16-1999 |
Improved assistance is provided to an operator to balance an out-of-proof transaction at a balancing workstation of an image-based financial document processing system used to process transaction items... |
| 5987434 |
Apparatus and method for transacting marketing and sales of financial products |
| Nov-16-1999 |
An apparatus and method which use client information to automatically select and present financial products appropriate for the client. The apparatus according to one aspect includes an input device for... |
| 5987140 |
System, method and article of manufacture for secure network electronic payment and credit collection |
| Nov-16-1999 |
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... |
| 5987132 |
System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture |
| Nov-16-1999 |
An architecture that provides a server that 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... |
| 5983207 |
Electronic cash eliminating payment risk |
| Nov-9-1999 |
A system and method to allow gold to circulate as digital cash through the global computer network (Internet) and/or private communication networks much like cash currently circulates in the physical world.... |
| 5983200 |
Intelligent agent for executing delegated tasks |
| Nov-9-1999 |
An intelligent agent executes tasks by using intelligent agent learning modules which store information necessary to execute the tasks. A computer receives a command to execute a task or receives data... |
| 5978780 |
Integrated bill consolidation, payment aggregation, and settlement system |
| Nov-2-1999 |
The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households... |
| 5978485 |
Foreign exchange transaction system |
| Nov-2-1999 |
A realtime multilateral foreign exchange settlement system having a computer implemented netting system, a processor-based multilateral settlement coordinator (MSC) having a first money module and a first... |
| 5970478 |
Method, apparatus, and program for customizing credit accounts |
| Oct-19-1999 |
An apparatus, method, and program for customizing credit accounts and calculating an appropriate price for this customization. Customers with existing credit accounts and customers applying for new accounts... |
| 5970150 |
System for producing verifiable kiosk receipts and records |
| Oct-19-1999 |
A postage meter that is contained in a kiosk may be used to produce verifiable receipts for commercial transactions. The imbedded digital metering cryptographic technology that is contained in a postage... |
| 5963925 |
Electronic statement presentment system |
| Oct-5-1999 |
An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as... |
