| 5867153 |
Method and system for automatically harmonizing access to a software application program via different access devices |
| Feb-2-1999 |
A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access... |
| 5864830 |
Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
| Jan-26-1999 |
A data-processing method by which one or more prepaid satellite spending cards are configured and linked to a cardholder's host credit card or card account such that a predetermined available spending... |
| 5864829 |
Network charge method and system |
| Jan-26-1999 |
A user who offered the purchase of a commodity or performed down-loading through a network is charged by a safe method. This charge is executed by sending a plurality of passwords, which can be used only... |
| 5864828 |
Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation |
| Jan-26-1999 |
A personal financial management program is for implementing, coordinating, supervising, analyzing and reporting upon investments in an array of asset accounts and credit facilities within a client account.... |
| 5857023 |
Space efficient method of redeeming electronic payments |
| Jan-5-1999 |
A method of redeeming for a seller electronic payments generated by and received from a customer using a master key unknown to the seller. In anticipation of making electronic payments, a customer sends... |
| 5852812 |
Billing system for a network |
| Dec-22-1998 |
A billing system for on-line computer networks is disclosed. Customers of the on-line system are billed in their own currency for billable events which are generated. Billable events can include access... |
| 5839119 |
Method of electronic payments that prevents double-spending |
| Nov-17-1998 |
A method of generating electronic monetary tokens that supports off-line transactions while preventing double-spending. Generation of electronic token halves by a financial services provider begins in... |
| 5835603 |
Financial transaction system |
| Nov-10-1998 |
A home banking system comprises a video games entertainment console 10 having a processor 12, a display driver 14, connection means 16 for connection to a television set 17, and an input/output device... |
| 5832463 |
Automated system and method for checkless check transaction |
| Nov-3-1998 |
The automated improved check processing system and method includes a data entry device (200, 202) for receiving checking account information (304, 306, 308) and a check amount (302) of a check (210, 300)... |
| 5832089 |
Off-line compatible electronic cash method and system |
| Nov-3-1998 |
An off-line electronic cash system having an electronic coin, a bank B, a payee S, and a user U with an account at the bank B as well as a user password z.sub.u,i, has a method for performing an electronic... |
| 5826245 |
Providing verification information for a transaction |
| Oct-20-1998 |
Verification information is provided with respect to a transaction between an initiating party and a verification-seeking party, the verification information being given by a third, verifying party, based... |
| 5826243 |
Integrated system for controlling master account and nested subaccount(s) |
| Oct-20-1998 |
Data processing for an improved securities brokerage/cash management system which supervises, implements and coordinates a composite account having a master account and one or more subaccount(s). The nested... |
| 5819230 |
System and method for tracking and funding asset purchase and insurance policy |
| Oct-6-1998 |
A computer and communications system facilitates the administration of a mortgage and life insurance combination program in which all or a portion of the funds normally used as a down payment are used... |
| 5819092 |
Online service development tool with fee setting capabilities |
| Oct-6-1998 |
A visual editing system for creating commercial online computer services. The visual editing system creates online services that consist of a number of subservices. Each subservice is a program that provides... |
| 5809480 |
Automated, secure inter authority settlement method and system for electronic toll collection |
| Sep-15-1998 |
Electronic toll collection will eventually become standardized on the nation's toll roads making possible non-stop toll payments to many different toll Authorities from a single in-vehicle-device. Such... |
| 5794219 |
Method of conducting an on-line auction with bid pooling |
| Aug-11-1998 |
A method of conducting an on-line auction that permits individual bidders to pool bids during a bidding session. The auction is conducted over a computer network that includes a central computer, a number... |
| 5787404 |
Credit-card based retirement fund system and method |
| Jul-28-1998 |
A method and system for providing an investment fund, such as a long term investment fund which may be suitable for retirement purposes, comprising the steps of establishing a credit based account with... |
| 5787403 |
Bank-centric service platform, network and system |
| Jul-28-1998 |
A banking service platform is provided that enables bank-centric access and control by a customer at a remote location of financial information, products and services maintained by a bank at a central... |
| 5787402 |
Method and system for performing automated financial transactions involving foreign currencies |
| Jul-28-1998 |
A method and system for performing financial transaction involving foreign currencies deals in virtually all trading currencies, automatically incorporates the current market process and operates in a... |
| 5778067 |
Value transfer system |
| Jul-7-1998 |
A value transfer system which allows value to be transferred between electronic purses comprises computer which controls the loading of purses with value and the redemption of value from purses, a special... |
| 5774553 |
Foreign exchange transaction system |
| Jun-30-1998 |
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... |
| 5761308 |
System for refunding payment for software |
| Jun-2-1998 |
There is provided a system for refunding payment for software applied to a software distribution system comprising at least one user terminal and a center. The center notifys the user terminal of the deciphering... |
| 5757917 |
Computerized payment system for purchasing goods and services on the internet |
| May-26-1998 |
A method and system for use on a quasi-public network, such as the Internet, to enable users of the network to conduct commercial transactions involving a payment of funds by one user to another user of... |
| 5754656 |
Electronic shopping method, electronic shopping system and document authenticating method relating thereto |
| May-19-1998 |
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... |
| 5748737 |
Multimedia electronic wallet with generic card |
| May-5-1998 |
An electronic wallet is disclosed which provides multiple data media interfaces. Standard interfaces will include a smart card reader/writer, a magnetic reader/writer, a radio frequency transceiver and... |
| 5745886 |
Trusted agents for open distribution of electronic money |
| Apr-28-1998 |
A system for the open distribution of electronic money is provided having a customer trusted agent associated with a first money module, a merchant trusted agent that establishes a first cryptographically... |
| 5734838 |
Database computer architecture for managing an incentive award program and checking float of funds at time of purchase |
| Mar-31-1998 |
In an advanced intelligent network based information distribution system including a central office switching system connected to communication lines including at least one service switching point for... |
| 5727163 |
Secure method for communicating credit card data when placing an order on a non-secure network |
| Mar-10-1998 |
A method and system for placing an order charged to a credit card, over an unsecured network. The customer completing an order for goods or services enters information required for the order, such as the... |
| 5724523 |
Electronic income tax refund system utilizing the tax refund to underwrite issuance of a secured credit card |
| Mar-3-1998 |
Electronic data processing system for preparation of electronically filed tax returns and authorization and payments of refunds based on the data supplied in those returns. Electronic data processing programs... |
| 5717989 |
Full service trade system |
| Feb-10-1998 |
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... |
| 5717868 |
Electronic payment interchange concentrator |
| Feb-10-1998 |
An apparatus, system and process for effecting one or more of the reception, transmission, translation and storage of data files containing information relating to financial instruments among and between... |
| 5715399 |
Secure method and system for communicating a list of credit card numbers over a non-secure network |
| Feb-3-1998 |
A method and system for securely indicating to a customer one or more credit card numbers that a merchant has on file for the customer when communicating with the customer over a non-secure network. The... |
| 5710889 |
Interface device for electronically integrating global financial services |
| Jan-20-1998 |
An interface device for electronically integrating a plurality of financial services provided at different geographical locations and in different time zones, and delivering such services directly to a... |
| 5704046 |
System and method for conducting cashless transactions |
| Dec-30-1997 |
In a commercial transaction system, a system user uses a card device to interact with sales or transaction terminals to conduct cashless transactions. Each terminal processes data including a balance stored... |
| 5696908 |
Telephone debit card dispenser and method |
| Dec-9-1997 |
Telephone debit cards are automatically vended through a microprocessor controlled vending machine which permits card payment in cash and credit. The customer can select a desired telephone card value... |
| 5691915 |
Data transmission device |
| Nov-25-1997 |
When the terminal 5 requests a partial access of a desired karaoke song to the center 3 in S380, only the climactic passage data of the karaoke song is transmitted from the center 3 to the terminal 5.... |
| 5687323 |
Dual currency debit card |
| Nov-11-1997 |
The Currency Exchange Network transaction management and accounting system assists businesses, employees, and consumers to engage in productive economic activity that is not supported by traditional cash-... |
| 5678010 |
Automated routing of messages over a network |
| Oct-14-1997 |
A system for processing credit card transactions is disclosed. Transaction data to be processed is sent by point of sale terminal to a terminal node connected to a sophisticated communications network.... |
| 5671364 |
Method and system for commodity-based currency for payment of accounts and elimination of payment risk |
| Sep-23-1997 |
A system and method for permitting gold or other commodities to circulate as currency requires a network of system users that participate in financial transactions where payment is made in units of gold.... |
| 5634012 |
System for controlling the distribution and use of digital works having a fee reporting mechanism |
| May-27-1997 |
A fee accounting mechanism for reporting fees associated with the distribution and use of digital works. Usage rights and fees are attached to digital works. The usage rights define how the digital work... |
| 5592379 |
Method and apparatus for pooling and distributing bond dividends |
| Jan-7-1997 |
The instant invention is a method and apparatus for administering a program to senior citizens for managing and distributing the interest from pooled government bonds or the like. The program derived around... |
| 5555497 |
Charitable contribution centralization system and apparatus |
| Sep-10-1996 |
A multiplicity of charitable collection stations are provided with selectors for choosing the charity to which a contribution is destined, a change maker for issuing change if desired, a display for displaying... |
| 5546303 |
Method of and system for correlating charitable contributions |
| Aug-13-1996 |
A central office correlates charitable contributions made at vending stations in food service establishments which issue information carriers in return for charitable contributions which are receipts for... |
| 5535407 |
Data processing system for locally updating customer data distributed by a host computer to a remote facility and for returning the updated customer data to the host computer |
| Jul-9-1996 |
A customer data processing system includes a host computer for managing customer data and a plurality of processors interconnected with the host computer through telecommunications lines. The host computer... |
| 5485370 |
Home services delivery system with intelligent terminal emulator |
| Jan-16-1996 |
Systems and methods provide communication between a user-friendly terminal, such as a "home terminal" shaped to resemble a conventional telephone, and a number of service provider computers such as financial... |
| 5475585 |
Transactional processing system |
| Dec-12-1995 |
A transactional processing system is used in conjunction with a transmitting source. The system allows for real-time authorization of payments for a plurality of products and services made available by... |
| 5466919 |
Credit/charge card system enabling purchasers to contribute to selected charities |
| Nov-14-1995 |
A method which enables a credit cardholder to make a donation to a cardholder-selected charity any time he makes a purchase using the credit card. The method comprises a credit/charge card which identifies... |
| 5424938 |
Method and apparatus for providing access to a plurality of payment networks |
| Jun-13-1995 |
An interface system for providing access to a plurality of payment networks is provided that displays to a user a single transaction entry screen capable of initiating a monetary payment transaction over... |
| 5326959 |
Automated customer initiated entry remittance processing system |
| Jul-5-1994 |
A computer-controlled funds processing and remittance processing system, for use by individual, business and other bank customers. The system eliminates the problems associated with batch processing of... |
| 5303149 |
System for eliminating duplicate entries from a mailing list |
| Apr-12-1994 |
Contributor/customer lists are created with a merge/purge program that identifies duplicate records even though key elements of the records (e.g. name/address or zip code) differ. |
