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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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6578016 |
Tax advantaged transaction structure (TATS) and method
A tax advantage transaction structure (TATS) and method directs that a first entity assigns disposable property it owns to a second entity in exchange for a contingent installment obligation. The...
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6571149 |
Shipment transaction system and method
A computer processing system for a shipment transaction involving a shipper and a carrier. The system is particularly suited to efficiently automate the payment of a shipment transaction and to...
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6553346 |
Conditional purchase offer (CPO) management system for packages
A conditional purchase offer (CPO) management system for receiving and processing CPOs for packages of component goods or services. The package CPO management system preferably deconstructs an...
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6553358 |
Decision-theoretic approach to harnessing text classification for guiding automated action
A decision-theoretic approach for guiding automated actions. In one embodiment, a computer-implemented method first determines a text to analyze. The method then determines an action probability...
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6550011 |
Media content protection utilizing public key cryptography
A system and method for providing protection of content which may be transmitted over unsecure channels, including storage and transmission in bulk media, transmission over a network such as the...
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6546373 |
System and method for recovering refundable taxes
A system for recovering refundable taxes such as value-added taxes (VAT) uses a transaction card, such as a credit or debit or electronic cash card, to record purchases made by a traveler that are...
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6542912 |
Tool for building documents for commerce in trading partner networks and interface definitions based on the documents
Machine readable documents connect businesses with customers, suppliers and trading partners. The self defining electronic documents, such as XML based documents, can be easily understood amongst...
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6542875 |
Charitable and public funding using tax credits and passive losses
Limited partnerships formed for specified public purposes, such as qualified low-income and elderly housing construction and services, are federally tax advantaged. In accordance with the present...
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6539363 |
Write input credit transaction apparatus and method with paperless merchant credit card processing
A method and system for generating a completed payment document ready for signature in image form and enabling signature in image form, storing the image and providing a printed copy of the...
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6526390 |
Independent billing settlement for call origination by wireless subscribers roaming to foreign wireless networks
Method and system to bypass GSM Memorandum of Understandings for cellular/PCS services so that GSM subscribers roaming into CDMA or TDMA networks, and CDMA or TDMA subscribers roaming into GSM...
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6516996 |
Electronic payment system
Equipment and method for acknowledging a transaction in an electronic payment system, comprising first processing means for providing electronic receipts corresponding to payments, second...
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6505178 |
Automatic teller machine with secure variable storage for internet applications
A memory controller component ( 10, 30, 40 ) for an Internet application such as a bank, airline or supermarket web site is disclosed. The component is instantiated from a web page in the...
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6502121 |
System and method for processing a recurrent operation
The processing system includes a storage device for maintaining entity information including period information indicative of information processing periods for the entity. A scheduling application...
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6493683 |
Open commodites exchange
A system and method of trading commodities includes an open commodities exchange server which can be accessed by registered customers. Registration of the customers with the system includes...
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6490568 |
Automated system and method for monitoring financial transactions
An automated system and method which monitors the cash flow of the merchant account and maintains a minimum balance for each merchant account based upon allowable delays. The automated...
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6490567 |
System and method for distributed content electronic commerce
Distributed electronic commerce is conducted over a network by substantially separating transaction functionality from merchant content. Electronic commerce transaction functionality is provided by...
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6484153 |
System and method for managing third-party input to a conditional purchase offer (CPO)
A central controller receives an offer signal including at least one condition signal. The offer signal defines an offer having at least one condition from a customer. The central controller also...
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6477578 |
System and method for conducting secure internet transactions
A system and method for conducting secure electronic transactions via the Internet uses a second secure communication link for the transmission of sensitive information. Transactions are split so...
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6456984 |
Method and system for providing temporary credit authorizations
A method and system are provided for issuing credit as payment in a consumer transaction which eliminates the need for a traditional credit card while also minimizing any potential for fraud or...
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6438599 |
Method and apparatus for establishing communication between a transaction initiator and a transaction processing system
A system is provided for establishing communication between a transaction initiator and a transaction processing system, in which the transaction processing system has received a transaction from...
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6434534 |
Method and system for processing customized reward offers
The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data...
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6430543 |
Controlled acceptance mail fraud detection system
A method for processing controlled acceptance mail includes creating, at a first location, a batch of mail including a plurality of mailpieces, each of the plurality of mailpieces having unique...
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6418420 |
Distributed budgeting and accounting system with secure token device access
A distributed budgeting and accounting system is designed to operate with secure token devices. The secure token devices serve both as electronic currency purses and as secure vehicles for...
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6418418 |
Transaction information processing system
An information processing system for transactions by telephone of the present invention comprises a receiving terminal, operated by an operator, for inputting information from a customer taken over...
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6405182 |
System for dispensing prepaid debit cards through point-of-sale terminals
Point-of-Sale machines that allow individuals to obtain from participating merchants, “over-the-counter”, prepaid debit cards. The amount of the line of credit is determined from the amount...
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6402027 |
Electronic money processing method and system thereof and a recording medium recording a program thereof
An electronic money system of a token and value mixed type includes an electronic money card of a type in which a token type for preferentially paying the coin money and paying the bill money when...
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6400270 |
Wallet protection system
A wallet protection system for protecting credit cards is disclosed. The system comprises a selectively openable casing having a thickness. The casing includes a sensor means disposed within the...
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6397196 |
Hybrid installment loan/savings account
A hybrid installment loan/savings account. A financial account is created for an account holder. An amount of money is payed to the account holder, and the amount is charged to the account so that...
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6366893 |
System, a method and an apparatus for performing an electric payment transaction in a telecommunication network
The invention relates to methods and apparatuses for performing electronic payment transactions between a terminal equipment ( 100 ) in a telecommunication network and the other transacting party (...
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6363362 |
Technique for integrating electronic accounting systems with an electronic payment system
A technique is provided for paying bills electronically using data generated by any of multiple accounting software packages. The data generated by each accounting software package has a different...
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6363356 |
Referrer-based system for try/buy electronic software distribution
The present invention, generally speaking, makes possible an associates program for electronic content distribution by providing a mechanism whereby a referrer may be identified at the time of...
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6356878 |
Conditional purchase offer buyer agency system
A conditional purchase offer (CPO) buyer agency system is disclosed for processing variable conditional purchase offers (CPOs) containing at least one variable condition. If a posted CPO is not...
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6345239 |
Remote demonstration of business capabilities in an e-commerce environment
A system, method and article of manufacture are provided for demonstrating business capabilities in an e-commerce environment. Data connectivity is first provided between a plurality of sites on a...
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6341353 |
Smart electronic receipt system
A smart electronic receipt system that provides intelligent receipts, called Smart Receipts, that electronically document a transaction between two parties and maintains a persistent connection...
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6341273 |
Electronic coin stick with potential for future added value
In a digital payment transactions system, a broker generates and stores a secret number. The broker then generates a chain of hash values by successive operations of a hash function, using the...
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6339766 |
Electronic payment system employing limited-use account number
Methods and systems for enabling an account holder to authorize the transfer of funds from an account using a limited-use account number. An account issuer establishes an account for the account...
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6339765 |
Method and apparatus for defining private currencies
A method and apparatus for establishing and distributing a currency is disclosed. First, a user accesses a web site and downloads a form. The user completes and returns the form with a currency...
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6332133 |
Personal electronic settlement system, its terminal, and management apparatus
According to the present invention provided is a settlement means that is superior in safety and usability. The settlement means comprises: payment means 100 including a plurality of systems of...
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6327577 |
Electronic bill payment system with account-number scheming
A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a...
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6324524 |
Method and apparatus for an account level offer of credit and real time balance transfer
A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A...
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6324523 |
Integrated client relationship management processor
A data processing system initiates, implements, confirms and updates a novel financial transaction support service, which provides an allotment of brokerage transactions, related financial...
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6321213 |
Electronic money processing method having a transaction fee collecting function and an electronic money storage apparatus for the same
An electronic money storage apparatus includes that an amount of remittance p is determined on a remitting side and a receiving side. A remitting apparatus obtains a remitter's transaction fee x...
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6315196 |
Method and system for debt deferment
A computerized method and system for automatic deferment of debt on a credit account of a customer of a financial institution includes a credit protector system of the financial institution which...
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6311167 |
Portable 2-way wireless financial messaging unit
A portable 2-way secure financial messaging unit (906) includes a receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a...
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6311170 |
Method and apparatus for making payments and delivering payment information
When characterized as an improved method of making payments from a plurality of payor entities to a plurality of payee entities through a service provider, a number of method steps which will now...
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