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7069244 |
Method and system for merchant processing of purchase card transactions with expanded card type acceptance
Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the...
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7069252 |
Electronic transaction server, client for seller, client for buyer and electronic transaction method
A user registration processor unit registers the user registration information to the database, which includes the public key certification acquired from the certification authority that has...
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7062463 |
System and method for enhancing financial institution revenues through acceleration of debit processing
A system and method for enhancing financial institution revenue through acceleration of debit processing are provided. The method includes modeling the processing of account debit transactions,...
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7058611 |
Method and system for conducting secure electronic commerce transactions with authorization request data loop-back
In accordance with the present invention, when an appropriate transaction message is received by a payment gateway, instead of requesting an authorization of the transaction through the payment...
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7054842 |
Stored value cards and methods for their issuance
A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virl card to a cardholder, with the virtual card comprising an identifier and an associated database...
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7051001 |
System and method for merchant function assumption of internet checking and savings account transactions
A system and method for merchant function assumption of Internet checking and savings account transactions enables a service provider to take over all merchant type transactions and provide a...
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7047202 |
Method and apparatus for optimizing networking potential using a secured system for an online community
The present invention provides a method and apparatus for users to search networks, both their own network and their peers' networks, all under the umbrella of a “multiple level access”...
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7039603 |
Settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
Settlement systems and methods are provided wherein a buyer takes possession of a product at a retailer. In one embodiment, a purchasing system arranges through a communication network for a buyer...
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7035823 |
Telecommunications system for generating a three-level customer behavior profile and for detecting deviation from the profile to identify fraud
Telecommunications apparatus and method for detecting any unusual activity in customer behavior. A comprehensive behavior profile of a customer is generated on the basis of customer transactions....
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7035821 |
Methods and apparatus for processing cash advance requests
Methods and apparatus for processing cash advance requests are described. In one embodiment, the system includes a data repository, and a process management and workflow system coupled to the data...
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7035819 |
Method and system for facilitating automated interaction of marketable retail orders and professional trading interest at passively determined prices
A method and system for an automated trading network that continuously collects invisible, anonymous, binding orders and indications of interest to buy and sell specific equity securities at...
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7032109 |
Method and system for ensuring the security of service supplies broadcast on a computer network of the internet type
The invention concerns a method and a system enabling users ( 11 ) of an Internet type computer network provided with multimedia terminals ( 16 ) comprising a microphone ( 17 ) and connected to an...
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7031939 |
Systems and methods for implementing person-to-person money exchange
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...
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7024385 |
Automatic electronic funds transfer system and method
A method and system for automatically conducting a business transaction between a user and a trader, including the functions of ordering, financial transaction, delivery initiation and data...
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7021528 |
System and method for tracking checks
Systems and methods for providing a track and trace capabilities for checks in the mail stream and in the bank check clearing system are described. A mailing machine facilitates the association of...
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7024395 |
Method and system for secure credit card transactions
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...
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7024389 |
System and method for using a payroll deduction card as a payment instrument
The present invention relates to a system and method for using an e-duction card as a payment instrument, whereby a purchase price of articles purchased on-line or off-line is deducted from an...
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7024386 |
Credit handling in an anonymous trading system
In an anonymous trading system, credit between counterparties is effectively increased by netting buy and sell trades to reflect the true risk to which each party is exposed. Credit limits are...
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7020633 |
Method and system for merchant processing of purchase card transactions with expanded card type acceptance
Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the...
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7020638 |
System and method for flexible micropayment of low value electronic assets
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...
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7010512 |
Transfer instrument
A method is disclosed involving acquiring a plurality of charge accounts. The accounts are of a type normally issued with an associated physically producible card which may be presented as evidence...
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7004398 |
Stored-value card with edible product
A stored-value card assembly including a stored-value card, an edible product, and a wrapper. The stored-value card defines a first generally planar surface and a second generally planar surface...
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7006993 |
Method and apparatus for surrogate control of network-based electronic transactions
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...
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7003493 |
Direct payment with token
According to the invention, a method for transferring funds from a sender to one or more recipients using a wide-area computer network is disclosed. In one step, transfer information is received...
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7003494 |
Preprocessor system and method for rejection of duplicate invoices
An accounts payable system in which invoices submitted by electronic data interchange (EDI) are audited for duplicate invoices prior to them being entered into the production database, or...
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7003306 |
Short message system, especially prepaid message system
Short message system (SMS-MO) comprising switching arrangements (MSC) and servers (SMSC) at which the messages arrive in the form of messages “destined for a mobile” (SMS-MT). The sending...
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7003492 |
Apparatus and method for indicating the status of transaction function devices in an automated banking machine
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 ),...
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6999943 |
Routing methods and systems for increasing payment transaction volume and profitability
Customers often have access to multiple payment methods for any given transaction. In one embodiment of the invention, a merchant obtains information regarding multiple payment methods from a...
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6999944 |
Method and apparatus for authorizing and billing communications services using a bank card financial network
According to the invention, a method and apparatus are disclosed for a dynamic communications service bank card billing system for authorizing and billing communications services using a bank card...
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6996535 |
Electronic commerce support method and apparatus
A client is connected to a server for providing electronic commerce services in electronic commerce. An order is transmitted for a product in response to an input by a user to the server through a...
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6996542 |
System and method for paying bills and other obligations including selective payor and payee controls
A system and method for paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interfacee, a bill generator, and a TCF...
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6993506 |
Method and device utilizing polymorphic data in e-commerce
An aspect of the present invention includes a protocol for conveying data during an e-commerce session with a polymorphic response, comprising initiating a session with a message from a buyer...
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6993507 |
Bar coded bill payment system and method
A bill payment system consistent with the invention comprises a biller generating at least one invoice for at least one customer, the invoice comprising a unique bar code comprising data...
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6988658 |
System and method for facilitating a transaction between a merchant and a consumer
A system for facilitating a transaction between a merchant and a consumer includes a consumer interface and a settlement administrator. The consumer interface is configured to emit a consumer...
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6988085 |
System and method for real-time electronic inquiry, delivery, and reporting of credit information
A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment,...
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6985879 |
Systems and methods for facilitating group rewards
In accordance with at least one embodiment of the present invention a retailer may receive a request from a group of customers for a reward the group desires to earn by making purchases at the...
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6985873 |
System and method for administering a brokerage rebate card program
A technique for administering a rebate program includes logic for generating rebate information based the purchase of goods and/or services using a card instrument. The technique further includes...
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6983882 |
Personal biometric authentication and authorization device
A personal biometric authentication and authorization device (PAD) provides protection for portable tokens such as magnetic stripe cards and smart cards. The PAD enables portable tokens upon...
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6983261 |
System and method for causing multiple parties to be paid from a single credit card transaction
A point of sale credit card payment system allowing multiple payments to be made to various payees from a single credit card transaction or any other form of electronic payment. Software, firmware,...
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6983259 |
Anonymous trading system
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...
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6980970 |
Secure networked transaction system
A method and system for approval by a verification computer of an online transaction between a user computer and a merchant computer over the Internet. The user computer transmits a transaction...
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6980969 |
Methods and apparatus for allowing internet based purchases based on a temporary credit card number
The system described herein allows a user to apply for a credit card on-line. If an electronic application is approved, a temporary credit card number is issued on-line for immediate use. The...
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6978250 |
System and method for automated electronic scrip transactions
A system and method for performing and settling an electronic scrip transaction between a merchant and a member includes a database storing accounts for one or more participating merchants, scrip...
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6970837 |
Methods and apparatus wherein a buyer arranges to purchase a first product using a communication network and subsequently takes possession of a substitute product at a retailer
Purchasing system methods and apparatus are provided wherein a buyer purchases a first product through a purchasing system, such as by submitting a buyer offer. A retailer receives product...
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6970844 |
Flow designer for establishing and maintaining assignment and strategy process maps
A system, method and carrier medium for modeling a Financial Service Organization (FSO) business in a computer software program and for storing the model of the FSO business in a database. An...
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6968317 |
Method and apparatus for new accounts program
A method for opening an on-line brokerage account includes the steps of opening an on-line brokerage account for a user based on account information received from the user, the on-line brokerage...
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6963636 |
Valuable cipher information issuing system and issuing method, telephone charge settlement system and telephone charge settlement method, and charge settlement system and charge settlement method
An object of the invention is to realize a valuable cipher information issuing system that is entirely free of a risk of theft during the course of distribution. To this end, a valuable cipher...
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6963857 |
Network-accessible account system
The present invention is directed to methods of, and systems for, allowing an account participant to add value via a wide-area network to a first account from a second account. A first account...
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6957191 |
Automated financial scenario modeling and analysis tool having an intelligent graphical user interface
A financial scenario modeling and analysis tool, including a graphical user interface which enables a user of the tool to create a graphical model of a financial scenario, generally including at...
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6955295 |
Card issuing system
When a plurality of cards are produced successively, a risk value is calculated in regard to either data deletion or change on the card issue data of each card caused by cancellation of issue or a...
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