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Document Title |
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7519557 |
Method and system for verifying use of a financial instrument
Methods and systems for verifying that a registrant is authorized to use a particular payment instrument are presented. A registering service initiates one or more verifying transactions involving...
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7519552 |
Method of enhancing value of pension system assets
A program product, a system, and method for a trustee and a pension system, one embodiment of a program product consistent with the invention comprises program code for generating or receiving a...
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7513418 |
Systems and methods for performing a simplified risk assessment
Systems and methods are provided for a simplified risk assessment for a promissory transaction when sufficient historical transaction information exists for the check writer. In an embodiment, a...
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7516100 |
Method and system for transferring money in business-to-business internet transactions
A method for enabling two businesses to complete a transaction that includes payment from one business (the buyer) to another business (the seller). A payment enabler operates the money transfer...
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7516091 |
System and method for electronic settlement using keyboard having multiple card identification and charging functions
An electronic settlement system/method includes a keyboard having multiple card identification and charging functions. The electronic settlement may include charges with a smart card, an RF card,...
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7512555 |
Investment management tool
An investment portfolio development and management system using dynamically linked and re-configurable portfolio building blocks for the construction and management of hierarchical portfolios....
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7512585 |
Support for multiple mechanisms for accessing data stores
Technology is disclosed for supporting the use of multiple access mechanisms for accessing one or more data stores. Examples of access mechanisms include the LDAP protocol and the ADSI protocol....
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7512563 |
System and method to automate payment for a commerce transaction
The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining...
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7509286 |
Systems and methods for money fund banking with flexible interest allocation
This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned...
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7509289 |
System and method for single event authorization control of transactions
Controlling the authorization of financial transactions, such as credit card transactions. Financial institutions and businesses can establish accounts for employees that have an authorization...
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7509287 |
Bank account automatic adjustment system
The present system for automatically adjusting deposit balance is the effective measure for pay-off which calculates the excess amount by subtracting from the balance of the account established in...
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7505939 |
Method and apparatus for a verifiable on line rejection of an applicant for credit
A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau...
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7505778 |
Wireless communication apparatus and method using an adaptive credit redistribution algorithm
A wireless communication method according to the present invention, in a Bluetooth device connected to multiple piconets and operating in a scatter mode, includes steps of (a) establishing credit...
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7505937 |
Method and apparatus for implementing financial transactions
A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second...
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7500602 |
System for increasing the security of credit and debit cards transactions
A system for facilitating a commercial transaction by a consumer includes a card or electronic storage device which includes a first number for identifying a financial account of the consumer and a...
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7502758 |
Creation and distribution of excess funds, deposits, and payments
Accumulating credits from financial movements to and from accounts held by a financial transactor and managed by an account manager involves initiating a roundup by periodically accessing entries...
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7500600 |
Enhanced pre-allocated check negotiability systems and methods
Systems, methods, and software are described for authorizing transactions undertaken with a negotiable instrument which is pre-allocated a specific amount of funds. A host computer system may...
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7500007 |
Method and apparatus for identifying media content presented on a media playing device
A system and method for identifying media content presented over a media playing device. The media content, such as audio and/or video, is either available digitally or digitally sampled. The media...
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7499886 |
Conducting commerce between individuals with integrated shipping
Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a...
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7499875 |
Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
A method and apparatus for facilitating online payment transactions between participants in a network-based transaction facility are described. In one embodiment, user interface information is...
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7496536 |
Systems and methods to facilitate a transfer of a refund amount from an educational institution to a student
According to some embodiments, systems and methods are provided to facilitate a transfer of a refund amount from an educational institution to a student. For example, a refund controller may...
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7493287 |
Distributed content architecture
A distributed content architecture is provided the de-coupled site management and presentation from asset inventory management and publishing. An active content cell is provided which manages the...
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7493282 |
System and method for automated account management
A system and method of managing bank accounts. A bank receives, electronically, from a customer, instructions to open, to update, to debit/credit, and to close bank accounts, such as escrow...
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7493284 |
Using visual images transferred from wireless computing device display screens
Within a wireless computing device, a method of conducting commerce can include receiving a user input in the wireless computing device specifying an account to which a proposed transaction is to...
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7493283 |
Performing an e-commerce transaction from credit card account information retrieved from a credit card company web site
A method of conducting an e-commerce transaction on a global communication network ( 306 ) by using personal account information of a credit card retrieved from a credit card company server on the...
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7487912 |
Electronic receipting
Certain embodiments of the present invention provide systems and methods for receipting transactions transacted at a POS device. More specifically, but not by of limitation, embodiments of the...
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7490059 |
Methods and systems for consolidating financial reporting information
Methods and systems are provided for providing financial reporting information to a customer. Financial reporting information for a multiple distinct financial accounts is received at a host. The...
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7490064 |
Construction payment management system and method with budget reconciliation features
A system and method for managing a construction payment process. One method embodying the invention can include electronically creating a primary budget for a construction project including at...
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7490062 |
Method of payment by means of an electronic communication device
A method, system and program for payment in a purchasing action performed by means of a cellular standard communication between a customer using said cellular standard communication device and a...
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7487127 |
Merchant cash payment systems and methods
A method for facilitating the sale of goods or services comprises receiving at an ordering system payment information relating to a payment instrument that is being used to purchase a good or a...
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7487126 |
Computer network method for conducting payment over a network by debiting and crediting utilities accounts
A method for performing financial trading amongst a plurality of alternative trading systems using a common financial computer platform. The method including the steps of receiving at the common...
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7483858 |
Network-based system
A transaction settlement system and method for internet and other trading over a telecommunications network. Customer computers and merchant computers are connected to customer account servers and...
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7483856 |
System and method for effecting payment for an electronic auction commerce transaction
The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining...
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7483857 |
Online e-commerce transactions incorporating effects of uncertainty and risk factors
The present invention relates to a method, system and computer program product for online negotiations and transactions for electronic commerce spanning international boundaries and includes means...
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7480634 |
Method and system for saving and investing through use of a money management card and pooled investment accounts
A money management card adapted to provide a method of saving and investing for a user of the money management card. The money management card is associated with an investment account which allows...
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7480630 |
Method for allocating financial values across multiple accounts using precise values
A method for allocating financial statement values across multiple accounts using precise values is provided. The method creates an n×m array of rounded allocation values, which are appropriately...
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7478065 |
Payment transaction method and payment transaction system
Payment transaction method and payment transaction system in which payment transactions between customers with portable mobile devices ( 1 ), for example mobile radio telephones, and a plurality of...
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7478239 |
Electronic ticket vending system
A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money...
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7475038 |
System and methods for disclosing transaction information to customers
A method of disclosing transaction information to customers includes receiving at a host computer system a file comprising processing information. The processing information comprises a plurality...
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7472090 |
Method and system for providing a higher credit limit to a customer
According to one embodiment of the invention, a method for providing a higher credit limit to a credit customer is provided. The method includes opening a credit account for a customer. The method...
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7464057 |
Method and system for multi-currency escrow service for web-based transactions
A method and system for escrow service for web-based transactions is web-accessible and accepts registrations from exchanges and/or portal partners. The completion of registration and transactions...
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7464056 |
Method for managing customer financial accounts
A method for managing customer financial accounts in a system for the delivery of products to a customer includes providing a customer account, first customer record, a second customer record, a...
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7460863 |
Method and apparatus using geographical position to provide authenticated, secure, radio frequency communication between a gaming host and a remote gaming device
Method and apparatus for providing authenticated, secure, communication between a gaming host communicating via radio frequency (RF) subcarriers to a remote user device in another location....
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7461010 |
Computer network method for conducting payment over a network by debiting and crediting telecommunication accounts
A computer network method for conducting payment over a network by crediting and debiting telecommunication accounts. The computer network includes a computer connected to the Internet, which...
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7457778 |
Method and architecture for facilitating payment to e-commerce merchants via a payment service
Method and architecture for facilitating payment to e-commerce merchants via a payment service. The method enables consumer users of an electronic storefront hosted by a merchant to make purchases...
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7454381 |
Method and apparatus for providing and processing installment plans at a terminal
A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account....
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7451117 |
System and method for digital payment of document processing services
This invention is directed to a system and method for the digital payment of document processing services. More particularly, this invention is directed to a system and method which uses a pre-paid...
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7451114 |
Conducting commerce between individuals
Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a...
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7448537 |
Bank card with sweepstakes feature
A method of purchasing goods or services with use of a bank card. The bank card is issued to consumers as a means of identifying the consumers and for extending credit to the consumers for the...
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7451103 |
System and method for centralized automated reconciliation of custody accounts
A method and system for centralized automated reconciliation of investment manager and related custody accounts makes use of computer hardware and software in a service bureau environment to...
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