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6826544 |
Automated loan repayment
Systems and methods for automated loan repayment involve utilizing consumer payment authorization, clearing, and settlement systems to allow a merchant to reduce an outstanding loan amount. After a...
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6826547 |
Printer service denial
In a system in which a user obtains documents, a method of controlling what is supplied to the user, the method including providing one or more user accounts for the user and providing the or each...
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6826545 |
Method for settling accounts among a plurality of participants
A netting service provider determines, on the basis of payment information from netting service participants, the value of security each of the participants is required to deposit. The netting...
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6807410 |
Electronic payment process and system for implementing this process
Electronic payment process and system for implementing such a process. Customer equipment is mobile equipment, for example of the GSM type. In addition to the customer (C) and the merchant (M), a...
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6801919 |
Object oriented database interface encapsulation that allows for chronologically overlapping transactions in a multi-threaded environment
A method for allowing chronologically overlapping database transactions in a multi-threaded environment without the need for explicit thread synchronization for database access. Literal database...
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6796489 |
Processing electronic documents with embedded digital signatures
Systems and methods for processing or recording electronic documents that have embedded digital signatures. In an electronic document, signature blocks are used to embed the digital signatures....
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6799165 |
Apparatus and methods for inventory, sale, and delivery of digitally transferable goods
An apparatus is disclosed herein comprising: a) a storage and distribution means; b) an inventory upload means; c) a product information download means; d) an order upload means; and e) a delivery...
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6785661 |
System and method a risk based purchase of goods
A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for...
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6783062 |
System for inhibiting fraud in relation to the use of negotiable instruments
The invention relates to a system for inhibiting fraud in relation to the use of negotiable instruments and, particularly, in relation to cheques and credit cards. The system requires the owners of...
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6783065 |
Purchasing card transaction risk model
A method for quantifying risk of fraud associated with a purchasing card transaction includes obtaining a charge-back history associated with a consumer involved in the purchasing card transaction;...
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6785590 |
Robotic device management system and method, and information management apparatus
Robot-related information held at a robot user and data held at a robot manufacturer are used to enhance the user's sense of attachment to the robot. Each terminal device is operable to send...
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6769605 |
Money transfer system
A method of promptly transferring cash from a sender to a receiver who is some distance from the sender. The intended receiver obtains a free unactivated cash card. The card includes an...
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6772131 |
Distributed, object oriented global trade finance system with imbedded imaging and work flow and reference data
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,...
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6760470 |
Extraction of bank routing number from information entered by a user
A computer-implemented method is disclosed for extracting a user's bank account information from information entered by the user from the face of a check. The extracted information may be used to...
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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...
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6757664 |
Method and system for verification of checks at a point of sale
A method for providing information concerning the availability of funds to cover a check proffered at a point of sale. In one embodiment, the method comprises capturing at the point of sale check...
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6754636 |
Purchasing systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
Purchasing systems and methods are provided wherein a buyer takes possession of a product at a retailer. A purchasing system may communicate with a buyer through a communication network to...
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6742125 |
Distributed protocol for secure communication of commercial transactions and decentralized network employing the protocol
A protocol and system for securely communicating a financial transaction between a customer and a merchant and a distributed computer network employing the protocol or system. A central authority...
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6721743 |
Value points exchanging managing method among first and second business entities where value points available to on-line customer obtaining goods or services
A customer-use terminal unit 20 managed by a customer transmits exchange instructing information, which instructs an exchange of valuable points obtained by the customer for communication points...
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6721716 |
Payment certification string and related electronic payment system and method
An electronic statement, bill presentment and payment system and method includes a customer client software program and client database, and a biller server software program and server database...
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6711551 |
Information provider, terminal and system and recording medium for the terminal
To provide a terminal with which a user can safely make payments using a communication network. The terminal has a browser for communicating with the World Wide Web or other public computer network...
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6702672 |
Wireless interactive gaming system
A system and method for playing a wagering game uses a wireless gaming device including an identification code, entry apparatus for entering wagering information by a player, and a transmitter. A...
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6704714 |
Virtual private lock box
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)...
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6701303 |
E-commerce system and method of operation enabling a user to conduct transactions with multiple retailers without certification and/or trusted electronic paths
An E-commerce system enables a user to conduct transactions with a retailer via a network, typically the Internet without certification or trusted paths. The user is a customer of a financial...
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6691093 |
Multi-level marketing computer network server
A server system for multi-level vending of any electronically transferable product through a communications network directly to a customer's computer. This server system (herein called a Sales...
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6678664 |
Cashless transactions without credit cards, debit cards or checks
Cashless transactions are performed by transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser. The transmitted identifying information...
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6678401 |
Automated currency processing system
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...
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6671677 |
System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with a mortgage loan
In the present invention, a system and method is described for reducing the mortgage interest rate and mortgage guaranty insurance premium associated with a mortgage loan by financing discount...
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6662166 |
Tokenless biometric electronic debit and credit transactions
A method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample. The method...
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6654709 |
Automatic remote monitoring system for setting a near-end value
A remote monitoring system includes an object apparatus and a monitoring apparatus monitoring a current state of the object apparatus over a communications network. The object apparatus includes a...
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6647376 |
System and method for point-of-sale check authorization
A point-of-sale check authorization method inputs transaction and financial institution information from a check to be authorized. This information is communicated to a merchant processor operable...
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6631358 |
Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions
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...
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6625582 |
Method and system for converting a designated portion of future social security and other retirement payments to current benefits
A system and method for a beneficiary of Social Security payments or other retirement payments to access present value of future benefits to meet current financial and other objectives is provided....
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6618708 |
Processing system for charge request data
A processing system for charge request data issued from a charge requesting organization performs collective processing of the request data without generating payment slips. This system includes...
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6616035 |
Method and device for identification and authentication
A method and a device of identification and authentication of a holder of a mobile electronic transaction device in an electronic transaction process between a transaction service provider and a...
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6615187 |
Method of securitizing and trading real estate brokerage options
The present invention relates to a method of creating, purchasing and selling the real estate brokerage commissions typically collected upon the sale of real property. A property owner sells, for a...
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6615109 |
System and method for generating an action of an automatic apparatus
The robotic apparatus is designed to act in a wider variety of manners, which will motivate the user of the robotic apparatus to purchase more products to the robotic apparatus. More specifically,...
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6615193 |
Monitoring system and method
This invention provides a system and method for electronic value payment in which a practical and secure means for auditing and accounting electronic value is achieved. The invention offers a means...
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6615191 |
Software licensing and distribution systems and methods employing biometric sample authentication
Software validation and distribution methods and apparatus are disclosed. These can include storing biometric identification information received from a customer in a customer storage area,...
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6611817 |
Automated technique for code generation of datastream mappings
Complex data protocols, such as the financial protocols OFX and Gold, generate data streams in which some elements may not have a one-to-one mapping between protocols, some elements may have only...
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6609654 |
Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions
A user can customize use of a payment card, which can be an electronic card, by selecting either a first or a second user key as a selected user key. The selected user key is entered into a card...
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6611819 |
Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon
An IC card incorporates a processor, a memory, etc. The memory stores therein a general electronic money balance having an unlimited use range, a specific electronic money balance having a limited...
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6609113 |
Method and system for processing internet payments using the electronic funds transfer network
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)...
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6606606 |
Systems and methods for performing integrated financial transaction
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...
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6598030 |
Method and apparatus for pattern generation
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...
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6594644 |
Electronic gift certificate system
An electronic gift certificate system is disclosed which distributes electronic gift certificates in the form of e-mail documents that include hyperlinks for automating the redemption process. When...
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6587841 |
Computer implemented automated credit application analysis and decision routing system
A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data...
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6587867 |
Internet-based subscriber profile management of a communications system
A telecommunications system includes multiple services. For example, the system provides multiple communications services with a single number for a subscriber. The subscriber can easily configure,...
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6584453 |
Reversible move/merge operation for a general ledger
One embodiment of the present invention provides a system for moving balances from at least one source account into a target account and subsequently reversing the movement. The system operates by...
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6581042 |
Tokenless biometric electronic check transactions
A tokenless authorization of an electronic check between a payor and a payee using an electronic identicator and at least one payor bid biometric sample is described. The method comprises a payor...
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