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Document Title |
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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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6304859 |
System and method for premium optimization and loan monitoring
A system and process linking an external computer with an illustration system of an insurance carrier and a system of an independent lending institution, via modem, to determine the optimal premium...
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6298335 |
Method of controlling payment of debts
A method and apparatus are provided for executing payment of a debt by a person to a payee. The method includes the steps of negotiating payment terms with the payee and entering the negotiated...
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6292789 |
Method and system for bill presentment and payment
A method and system for presentment of bills on a computer network includes a biller account hosted on a server of a bill service provider for receiving a bill file from a biller that includes bill...
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6289322 |
Electronic bill processing
A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for...
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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...
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6269345 |
Transfer system and method for transferring amounts in different local currencies between a plurality of local banking organization
To transfer a quantity measured in a first unit used by a first entity to a second entity using a second unit, these units being associated with a respective parameter varying as a function of...
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6266653 |
Apparatus and method for managing and possessing electronic money, management and possession medium and recording medium for recording electronic money management and possession program read by computer
The present invention discloses an electronic money managing and possessing apparatus used for managing and possessing electronic money, which includes a medium for holding an electronic money...
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6246999 |
Financial services account manager system
A method of reporting accounting information to acquiring banks includes compiling accounting information from different processing systems to a mainframe. The accounting information is then routed...
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6246996 |
Computerized system for facilitating transactions between parties on the internet using e-mail
A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment...
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6240415 |
Corporate and entertainment management interactive system using a computer network
A system, method, and apparatus is provided for computerized management of a method of corporate, business or sports management by a remote party comprising relating a current database of an...
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6236973 |
Apparatus and method for providing collateral construction loan insurance coverage
A centralized automated apparatus for lending institutions to initiate, report and confirm insurance coverage on buildings used as collateral for construction loans under a single builder's risk...
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6233565 |
Methods and apparatus for internet based financial transactions with evidence of payment
A system and methods for conducting Internet based financial transactions between a client and a server. The client has a processor, a printer, a client authentication module, a module for issuing...
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6230145 |
Method for providing bank card transaction data
A method of providing bank transaction data for a merchant via the Internet includes displaying on a computer connected to a host a graphical user interface having a plurality of payment services...
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6230148 |
Tokenless biometric electric check transaction
A tokenless authorization of an electronic check between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample is described. The method...
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6223168 |
Automatic remittance delivery system
A remittance delivery system is provided that that accepts payment information from a variety of applications (e.g. vendor payments, taxes, claims, payroll, T&E, commissions, trust, etc.),...
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6222536 |
Method and apparatus for providing a number of subscribers with on-line banking service employing a plurality of bank systems
A relay server system for providing banking services to the subscriber comprises: a subscriber coupling unit, connected to subscriber terminals, for performing a protocol conversion process; a data...
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6219651 |
Protection of transaction data
The invention presented describes the protection of transaction data in cash-free payment traffic from its creation to its processing by means of stock-exchange chip cards (4). In each payment...
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6216115 |
Method for multi-directional consumer purchasing, selling, and transaction management
An integrated credit card data processing method that allows transactions to be processed either as a payment or as a receipt of payment. The new process is a combination of the regular data...
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6205433 |
System and method for multi-currency transactions
A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a...
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6205435 |
Self-contained payment system with circulating digital vouchers
A self-contained payment system uses circulating digital vouchers for the transfer of value. The system creates and transfers digital vouchers. A digital voucher has an identifying element and a...
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6205437 |
Open network payment system for providing for real-time authorization of payment and purchase transactions
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed...
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6202053 |
Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants
The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at...
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6202054 |
Method and system for remote delivery of retail banking services
A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a...
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6199055 |
System and method for providing fault tolerant transcriptions over an unsecured communication channel
A system and method for conducting secure fault tolerant transactions, such as financial transaction, remotely is disclosed. The transactions are conducted utilizing a portable processor device...
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6199046 |
Method system and article of manufacture for performing real time currency conversion
A currency converter consisting of a source of exchange rate information with either an object performing the role of currency selection, exchange rate information retrieval, and price display, or...
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6199051 |
Digital active advertising
A complete system for the purchasing of goods or information over a computer network is presented. Merchant computers on the network maintain databases of digital advertisements that are accessed...
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6178409 |
System, method and article of manufacture for multiple-entry point virtual point of sale architecture
A server communicates bidirectionally with a gateway over a first communication link, over which service requests flow to the server for one or more merchants and/or consumers. Service requests are...
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6173269 |
Method and apparatus for executing electronic commercial transactions with minors
A method and apparatus is provided for executing electronic transactions with teens, especially where such transactions are limited only to those vendors that have been approved by the teen's...
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6169974 |
Method for closed loop processing of transactions utilizing bank card association
A procedure for tracking transactions carried out between multiple cost centers and an in-house supply facility of a business entity is carried out by setting up the supply facility to function...
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6169975 |
Point-of-distribution pre-paid card vending system
A novel system and process have been developed whereby a prepaid phone card, or any other similar inventory, may be easily and efficiently distributed at, for example, a point-of-sale. A...
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6167385 |
Supply chain financing system and method
A method for financing a supply of goods (a supply chain) from a supplier to a buyer in which the buyer has a lower cost of funds than the supplier. According to the method, the buyer generates a...
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6167387 |
Cashless card revalue system
This invention concerns a cashcard system for purchasing laundry services wherein the user is issued with a cashcard and a personal identification number. Each of the laundry facilities is provided...
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6154732 |
System for providing investment advice and management of pension assets
A system and method for a data processor implemented system monitor for enabling individual employee participants to access independent professional money management for their Benefit Plan assets...
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6154879 |
Tokenless biometric ATM access system
The present invention provides a method for tokenless biometric access to financial accounts at an institution using an automated teller machine. This method comprises a user registration step,...
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6151588 |
Full service trade system
A system stores criteria specified by a funder relating to trade transactions for buyers and sellers. The system compares the criteria with a proposed purchase order to determine whether the system...
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6138907 |
Electronic transaction processing system and method for operating same
An electronic transaction processing system performing a deposit and/or a withdrawal of digital cash between a customer and a banking facility includes a customer money card storing digital cash of...
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6141651 |
Funding and settlement integrated suspense processing system
A method of reporting suspense transaction detail to acquiring banks includes compiling financial transaction information to a database. The information in the database is then routed to a server...
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6138107 |
Method and apparatus for providing electronic accounts over a public network
A system provides an efficient way of providing electronic accounts to customers over a public network, in which all payments are traceable, i.e. anonymity is available to the degree that the...
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6134593 |
Automated method for electronic software distribution
A method for a user to automatically order, unlock and pay for a vendor software application via an automated telephony and/or Internet system. The user requests access to a vendor software...
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6128599 |
Method and apparatus for processing customized group reward offers
The present invention is an apparatus for providing and managing a customized reward offer to an affinity group sponsor based on the aggregate performance of members of the group. The apparatus...
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6125356 |
Portable sales presentation system with selective scripted seller prompts
A handheld computer unit for use by, e.g., a car sales person (seller) prompts the seller with a standard script to be followed at each step in the process after a prospect enters a dealership. The...
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6122625 |
Apparatus and method for secure transacting
An improved monetary system using electronic media to exchange economic value securely and reliably. The invention provides a complete monetary system having electronic money that is...
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6119105 |
System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture
Secure transmission of data is provided between a plurality of computer systems over a public communication system, such as the Internet. Secure transmission of data is provided from a customer...
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6108640 |
System for calculating occasion dates and converting between different calendar systems, and intelligent agent for using same
An occasion database and a date converter are provided in a device which allows a user to retrieve restored occasion information, whether the occasion occurs in the Gregorian calendar or a...
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6105862 |
Method for performing a double-signature secure electronic transaction
A method for performing electronic transactions between a card, a service provider having at least one terminal configured to accept the card and a centralized system configured to be connected to...
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