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7594027 Data access using a machine-readable card  
A communication system is disclosed comprising a communication network and a communication device. The communication device reads machine-readable information from a card, wherein the information...
7590573 System and method for transferring assets between depreciation books  
A system and method for transferring an asset, or assets, from a first depreciation book to a second depreciation book possibly in different currencies. In particular a method for automatically...
7542945 Authentication device, system and methods  
System terminal integrated with biometric sensor, such as a fingerprint sensor. Transaction terminal such as a point of sale system, automated teller machine (ATM) or other system. The system may...
7430530 Method and a system for automated book-keeping  
The present invention relates to a method and a system for at least partly automated book keeping through a communication network such as the Internet. According to the inventive method data...
7403917 Reconciling combinations of transactions  
A system, method, and computer program product provide automated reconciliation of transactions. A transaction in a first list is reconciled with a combination of two or more transactions in a...
7403916 Method and system for correcting payee names and adjusting an account balance for a financial statement  
Payee names in received financial statements can be substituted for the benefit of users. The financial statements can be electronically received from a financial services provider. The financial...
7398242 Risk stripping system and method  
A method is provided for managing risk associated with at least one financial transaction wherein each of the at least one financial transactions having at least a first risk factor and a second...
7383227 Database for check risk decisions populated with check activity data from banks of first deposit  
A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a...
7302408 Technique for transaction reconciliation  
A computerized accounting technique is provided. A record of a first type of transaction is identified based upon a record of a second type of transaction. The first type of transaction is a...
7287005 Method for supplementing descriptors for online banking transaction statements  
Personalized transaction identification information is provided by a user to supplement the generic transaction banking information received from the user's electronic banking service. The...
7249073 Methods and apparatus for a personal financial service provider  
Systems are provided for administering employee funds and transactions utilizing a personal financial service provider system which allows comprehensive administration of employee accounts. A...
7236950 Method and system of combined billing of multiple accounts on a single statement  
A computerized method and system for combined billing for at least one customer on a plurality of customer accounts includes computer applications which automatically assemble and aggregate account...
7200571 Computerized auction system for use with multiple purchasing media  
Systems and methods create and maintain an auction server operative to receive requests for displaying auction items. The bid values are displayed and received in units that are specific to a...
7113925 Electronic check  
An electronic check that is created by a secure electronic transmission which can be printed as a paper check by the payee. The electronic check is created by a software program that makes a...
7097097 Check book unit for use with debit cards  
A check book unit has a card reader and a PDA-type system. Check transactions are recorded in the unit using the PDA-type unit and a computer keeps track of the balance and other data associated...
7047222 Secure encryption of data packets for transmission over unsecured networks  
Pure random numbers from a sheet within a one-time pad are employed to encrypt the bytes of a source data packet and to order the encrypted bytes in a random order within the encrypted data packet....
7043441 Method and apparatus using digital credentials and other electronic certificates for electronic transactions  
A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term...
7003479 Systems and methods for ordering and distributing incentive messages  
Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for...
6922673 Systems and methods for ordering and distributing incentive messages  
Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for...
6879964 Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund  
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...
6839687 Consumer-based system and method for managing and paying electronic billing statements  
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...
6796488 Automated system and method for check amount encoding at a point-of-sale  
An automated check encoding system ( 200 ) at a point-of-sale includes a point-of-sale register ( 202 ) for determining a transaction amount, and an input device ( 208 ) coupled to the...
6760710 Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments  
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...
6738751 Credit card rental-cost payment method  
A method provides for at least potential payment of rental costs by debit from a credit card. A renter's credit card program is established by a financial institution or other commercial lending...
6669832 Electronic transaction system  
A request for a commodity that each office in an organization needs is sent from a terminal in the office to a general affairs service center in the organization. The request is then sent to a VAN...
6549939 Proactive calendar notification agent  
In a data processing system, a method for fetching information through a data network includes the following steps: (1) receiving a user profile comprising user preferences; (2) using an agent for...
6301567 Lockbox browser system  
A method of providing information regarding lockbox receipts to a customer having a lockbox account, the method comprising the steps of: having alert criteria containing alert conditions selected...
6282523 Method and apparatus for processing checks to reserve funds  
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...
6230144 Method and apparatus using an accounting bit for a SIMA network  
A cell format, an accounting device and a method for providing accounting information to a network for determining payment information between operators in the network. The cell format includes a...
5987437 Method of improving assistance to an operator to balance an out-of-proof transaction and an apparatus therefor  
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...
5920848 Method and system for using intelligent agents for financial transactions, services, accounting, and advice  
The present invention relates to the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial...
5875435 Automated accounting system  
An automated accounting system for an entity, such as an individual or business, is provided in which at least one file is established for the entity and a plurality of data inputs are provided to...
5857079 Smart card for automatic financial records  
A smart card that allows for the categorization of expenses at the time they are incurred and the automatic generation and storage of information concerning the date, payee, and amount of the...
5787405 Method and system for creating financial instruments at a plurality of remote locations which are controlled by a central office  
In the present invention, utilizing a data processing system at one location such as the home office, and another data processing system at a remote location such as a convenience store, an...
5781187 Interrupt transmission via specialized bus cycle within a symmetrical multiprocessing system  
A symmetrical multiprocessing system is provided that includes centralized interrupt control unit. The interrupt control unit is coupled to a plurality of processing units and to a plurality of...
5712987 Interface and associated bank customer database  
The invention concerns a graphical user interface for a bank's customer database. The interface allows a user to choose from several pre-defined operations upon the database, and eliminates the...
5675786 Accessing data held in large databases  
By sampling the initial result of a query to the database, thereby producing a sampled result which is substantially smaller than the initial result, the sampled result is easier to analyse...
5649115 Tracking method and apparatus  
A tracking method and apparatus for use with a computer including a processor for executing code, input/output devices for providing data, memory for storing account data and a display. In...
5583783 Checkwriter and method  
A checkwriter has a tray for containing check forms having a transparent cover with a scaled region provided with scale lines. The tray is detachably loaded into the check printing unit thereof....
5477037 Financial document dispensing apparatus and method  
A dispenser produces negotiable money orders, traveler's checks, and the like at remote locations and prints the check amount on the check while also printing summary data of a day's activities on...
5475403 Electronic checking with printing  
An electronic checkbook (10) is provided for printing checks. electronic checkbook (10) is of a hand-held size and operates on two AAA batteries. An on/off switch (30) which includes a needle valve...
5372436 Typewriter having a check printing function  
A typewriter having a check printing function includes a keyboard for inputting various character data and commands, a display for displaying the character data input from the keyboard, a printing...
5301350 Real time storage/retrieval subsystem for document processing in banking operations  
A storage/retrieval module apparatus for use in a document imaging system can receive digitized optical image and related information data, convert it to electrical digital data for storage on disk...
5225978 Document processing system having integrated expert module  
A bank document processing system for processing checks, deposit slips and other financial documents which advantageously combines an automatic expert reconciliation system with conventional...
5193055 Accounting system  
A system for producing accounting statements. A standard category code listing is developed and entered into a computer data bank. Data are entered from blank statements and check book entries in...
5134564 Computer aided reconfiliation method and apparatus  
A method of reconciling a first list (a bank statement) formed of a first number of first records and a second list (bank customer's list of records) formed of a second number of second records...
5093787 Electronic checkbook with automatic reconciliation  
An apparatus for reconciling checking account and other transaction data including first and second data reconciliation control units, each including associated memory, data...
4737911 Process for electronically maintaining financial records, especially for checkbook balancing and rectification  
A process for maintaining financial records, such as checkbook balances, in which a checking account user employs a hand-held calculator to record the usual checkbook data electronically. The...
4623965 Electronic checkbook  
A portable, pocket sized check writing apparatus adapted to perform standard check writing functions incorporates a rectangular box-like housing open at one end for receiving a check cartridge. A...
4569029 Check calculator  
Disclosed is a check calculator as a preferred embodiment of the present invention, which is characterized in that; It displays the amount of the check drawn on a payee and the deposit balance...
Matches 1 - 50 out of 51 1 2 >