| 7039167 |
Call routing system and method |
| May-2-2006 |
System and method for providing at least one predetermined automated message to an account holder via a voice response unit based on a likely reason for the call by the account holder to be because of... |
| 7031939 |
Systems and methods for implementing person-to-person money exchange |
| Apr-18-2006 |
Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange... |
| 7024395 |
Method and system for secure credit card transactions |
| Apr-4-2006 |
A customer making a credit card transaction inserts their smart card into a card reader attached to the merchant's system. The card reader activates the customer's card and passes certain merchant information.... |
| 7020639 |
Check verification system and method |
| Mar-28-2006 |
A method and system for determining the negotiability of checks drawn on any account from any bank or other financial institution based on a comparison against stored information on whether or not checks... |
| 7020638 |
System and method for flexible micropayment of low value electronic assets |
| Mar-28-2006 |
An electronic asset system mints a stick of electronic assets that can be spent by the user with multiple vendors. Assets sticks are issued anonymously or non-anonymously in a way without requiring dedication... |
| 7006993 |
Method and apparatus for surrogate control of network-based electronic transactions |
| Feb-28-2006 |
A surrogate system for the transparent control of electronic commerce transactions is provided through which an individual without a credit card is enabled to shop at online merchant sites. Upon opening... |
| 7003492 |
Apparatus and method for indicating the status of transaction function devices in an automated banking machine |
| Feb-21-2006 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 6991158 |
Mobile paper record processing system |
| Jan-31-2006 |
A method is disclosed for electronically capturing and storing paper records for accounting purposes using a mobile handheld device with an integrated digital camera or scanner. This method involves digitalizing... |
| 6990466 |
Method and system for integrating core banking business processes |
| Jan-24-2006 |
A system and method are provided for integrating core banking business processes which includes a business platform in which two or more selected banking processes common to the core banking business are... |
| 6983259 |
Anonymous trading system |
| Jan-3-2006 |
An anonymous trading system has a clique of arbitrators which match orders from trader terminals and execute deals. One or more branches is attached to each arbitrator connecting trader terminals through... |
| 6981638 |
Automated banking machine |
| Jan-3-2006 |
An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine... |
| 6976008 |
Internet billing method |
| Dec-13-2005 |
An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the Internet... |
| 6973443 |
Automated banking machine apparatus and system |
| Dec-6-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 6970845 |
Automated banking machine apparatus and system |
| Nov-29-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16),... |
| 6970843 |
Financial management system |
| Nov-29-2005 |
A financial transaction network includes a customer network serviced by a host processor. The financial transaction network provides customers with a plurality of diverse and interchangeable financial... |
| 6968321 |
Method and system for remote operator interface with a self-service financial transactions terminal |
| Nov-22-2005 |
A method and system for remote operator interface with a self-service transaction terminal, such as an ATM makes use of a set of web based applications for operator functions to enable the remote operator... |
| 6968319 |
Electronic bill presentment and payment system with bill dispute capabilities |
| Nov-22-2005 |
A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a... |
| 6950623 |
Methods and systems for dynamically serving in-stream advertisements |
| Sep-27-2005 |
Computer-based methods and systems for dynamically inserting advertising content into a radio broadcast are provided. Example embodiments provide a Streaming Content System that comprises one or more media... |
| 6911133 |
Automated system for issuing and managing offence tickets |
| Jun-28-2005 |
The invention concerns a system for issuing and managing offence tickets comprising a portable input device provided to the policeman for recording therein data concerning the contravening vehicle, a ticket... |
| 6910179 |
Method and apparatus for automatic form filling |
| Jun-21-2005 |
A method and apparatus allowing for entry of form data in a browser. In the described embodiment, a browser automation program executes on the user's computer and communicates with a browser program in... |
| 6901511 |
Portable terminals, servers, systems, and their program recording mediums |
| May-31-2005 |
Data containing important information are stored in DB cards separable from terminals. The terminals and mediums are placed in corresponding relationship. Multi-security measures are taken to prevent a... |
| 6898421 |
Service providing apparatus and method, and service verifying apparatus using information terminal |
| May-24-2005 |
A service providing apparatus includes personal data specifying means for specifying personal data of a user of a mobile terminal based on user identification (ID) information received from the mobile... |
| 6889205 |
Method and system for electronically presenting a statement, message, or file |
| May-3-2005 |
A system and method for preparing and electronically delivering a statement, message, or file to a party. The method may comprise receiving from a party an electronic statement, message, or file, preparing... |
| 6879964 |
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund |
| Apr-12-2005 |
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed... |
| 6874071 |
Database commit control mechanism that provides more efficient memory utilization through consideration of task priority |
| Mar-29-2005 |
Disclosed is an enhanced database journaling mechanism that results in reduced secondary storage consumption. The memory management mechanism of the present invention reduces journal size, and accordingly,... |
| 6873973 |
Cash dispensing automated banking machine and method |
| Mar-29-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as... |
| 6865547 |
Customer activated multi-value (CAM) card |
| Mar-8-2005 |
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... |
| 6853984 |
Method and apparatus for credit card processing via facsimile |
| Feb-8-2005 |
A method and apparatus for making credit card transactions which includes utilizing a facsimile machine for transmitting credit card information and purchase amount to an information processing center.... |
| 6850767 |
Transaction tray with communications means |
| Feb-1-2005 |
A transaction tray comprises a surface having a first writing portion, a display screen and communications means for receiving information to be displayed on the display screen, wherein the information... |
| 6839688 |
Method of using an automated banking machine |
| Jan-4-2005 |
An automated banking machine (12) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system (14) through an intranet (16), as well as... |
| 6839687 |
Consumer-based system and method for managing and paying electronic billing statements |
| Jan-4-2005 |
A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification... |
| 6776332 |
System and method for validating and operating an access card |
| Aug-17-2004 |
A system and method for authenticating a user for an account is provided. The system comprises a form factor enclosing a microprocessor, a first memory associated with the microprocessor, authentication... |
| 6772131 |
Distributed, object oriented global trade finance system with imbedded imaging and work flow and reference data |
| Aug-3-2004 |
An object oriented trade finance system designed to support a large-scale transactional work flow on a global basis. The system is designed to support imbedded imaging technology for the scanning, storage... |
| 6769009 |
Method and system for selecting a personalized set of information channels |
| Jul-27-2004 |
A method for distributing information to a plurality of user stations each configured for communications with a multiplicity of servers via a non-proprietary network, includes steps for providing each... |
| 6760710 |
Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments |
| Jul-6-2004 |
An improved process for the computerized conversion of preferred-return constant-dollar financial instruments into equivalent nominal-dollar instrument. The method includes providing a first digital electrical... |
| 6760414 |
Personal computer banking system and method |
| Jul-6-2004 |
A personal computer banking system and method in which a personal computer is connected by a network service provider directly to a host computer system of a bank such that customer service requests can... |
| 6757716 |
Method and system for modifying host application functionality based upon downloaded content |
| Jun-29-2004 |
An application hosting a browser modifies its own functionality in some manner based on whether particular content (e.g., an identifier) is present in a document for rendering by the browser. In one embodiment,... |
| 6749111 |
Automated banking machine |
| Jun-15-2004 |
An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver individual sheets and stacks of sheets to and from the machine through the opening.... |
| 6724926 |
Networked automated document processing system and method |
| Apr-20-2004 |
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past a full image... |
| 6717592 |
Notification processing system |
| Apr-6-2004 |
Account transaction reports from a bank card account for example, are assembled and sent by electronic mail or "email" to the email address of the account owner. An input screen is presented to allow the... |
| 6705517 |
Automated banking machine system and method |
| Mar-16-2004 |
An automated banking machine (12, 200, 302) is provided. The machine may be operative to install a terminal master key (TK) therein in response to at least one input from a single operator. The machine... |
| 6704714 |
Virtual private lock box |
| Mar-9-2004 |
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,... |
| 6681985 |
System for providing enhanced systems management, such as in branch banking |
| Jan-27-2004 |
Various embodiments of the invention include a financial transactions processing system to process financial transactions for a customer in a financial institution. One embodiment includes an entrance,... |
| 6668276 |
HTML file acquisition method, information terminal support device, and storage medium for storing a software product for acquiring HTML files |
| Dec-23-2003 |
The invention achieves internet-based collaboration without having to install collaboration software on one of the computer. For example, a customer of a bank would like to collaborate with an agent of... |
| 6661910 |
Network for transporting and processing images in real time |
| Dec-9-2003 |
An image processing network for processing image files and coupled to an outside data communication network comprising a plurality of remote image capture units, the units scanning documents and creating... |
| 6644546 |
System and method for electronic check conversion at a point-of-sale terminal |
| Nov-11-2003 |
An improved system and method of electronic check processing at an existing point-of-sale system. The system utilized to implement the present invention includes at least one point-of-sale (POS) terminal,... |
| 6631358 |
Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions |
| Oct-7-2003 |
The present invention provides tools and techniques for directing funds on behalf of a consumer to a specified account as a beneficial side-effect of a transaction that is primarily directed toward another... |
| 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... |
