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7096199 |
System for remotely controlling an aspect of a function of apparatus
A sensing device for generating orientation data when positioned or moved relative to a surface, the orientation data being indicative of an orientation of the sensing device relative to the...
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7096200 |
System and method for evaluating and enhancing source anonymity for encrypted web traffic
A system and method is provided for evaluating the effectiveness of data encryption for hiding the identity of the source of Web traffic. A signature is constructed from encrypted Web traffic for a...
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7092916 |
Electronic identifier payment system and methods
A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier...
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7092904 |
Web-based account management for hold and release of funds
A system and method for qualifying a bidder over a global network for an auction helps to significantly reduce or eliminate commerce fraud. An auction site, for example, enlists the system to...
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7092905 |
Systems and methods for the processing of financial transactions
Systems and methods for processing credit card transactions including an account with a multi-dimensional balance structure, wherein balance segments within the balance structure have...
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7083084 |
System and method for managing stored-value card data
A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is...
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7082408 |
System and method for ordering items using a electronic catalog via the internet
A system and method for procuring non-production commodities for use by employees of a commercial enterprise includes associating the employee with a user profile comprising information relating a...
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7082412 |
Electronic factoring
The present invention is a method and system for electronic factoring. An electronic platform is provided for guaranteeing payment of receivables. Information from users is input into a profile...
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7080035 |
System and method for notifying an electronic billing vendor of a customer status change
A system and method by which a merchant automatically notifies an outside e-billing vendor of customer account status changes that affect the transfer of billing information between the merchant...
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7076465 |
Methods for processing a group of accounts corresponding to different products
Processing a group of accounts corresponding to different products. A group of accounts are linked together to create a group so that group processing can be performed at the group level while...
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7076458 |
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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7076469 |
Copyright protection of digital images transmitted over networks
A method for protecting digital images distributed over a network, including the steps of receiving a request from a client computer running a network browser, for an original layout page...
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7072867 |
System and method for third party logging server
A system and method for a third party logging server to keep track of sales by online merchants of copyrighted works. Providers of copyrighted works, such as publishers and authors, register with...
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7072909 |
Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information
This disclosure describes a system that electronically collects, translates, groups, and delivers wage assignment information from at least one initiator to at least one recipient via an...
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7069001 |
Method for supporting cashless payment
The invention concerns a method for supporting cashless payment as well as a payment interworking server, a mobile terminal and a computer program product for a cashless payment system. A mobile...
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7068995 |
System and method for affinity marketing in a wireless network
An affinity market system may be implemented in a wireless network. A mobile station may make billable transactions via the wireless network, and each billable transaction made by the mobile...
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7065494 |
Electronic customer service and rating system and method
A method and system of receiving, storing, and delivering customer comments, including qualitative and quantitative feedback, over a communications network, such as the Internet. Also, the present...
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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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7062447 |
Imputed variable generator
Disclosed are methods, media and systems for generating imputing econometric variables from raw econometric data. A method for generating cleansed initial dataset from corrected raw econometric...
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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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7058600 |
Integrated proxy interface for web based data management reports
An Intranet/Internet/Web-based data management tool that provides a common GUI enabling the requesting, customizing, scheduling and viewing of various types of unpriced call detail data reports...
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7054843 |
Method and apparatus in a telecommunications system
The present invention relates to methods for providing access independent global roaming between heterogeneous networks. The invention solves this problem and provides policy enforcement and...
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7047222 |
Secure encryption of data packets for transmission over unsecured networks
Pure random numbers from a sheet within a one-time pad are employed to encrypt the bytes of a source data packet and to order the encrypted bytes in a random order within the encrypted data packet....
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7043441 |
Method and apparatus using digital credentials and other electronic certificates for electronic transactions
A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term...
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7039605 |
Settlement intermediation processing apparatus, storage medium in which a program for settlement intermediation processing is stored, computer program for settlement intermediation, online shop apparatus, and on-line shopping method and system
Using a preset, temporary ID, a user accesses an on-line shop where he is not registered. When the user buys a commodity, the on-line shop sends order data to a money gate. In response to a request...
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7039930 |
Television advertising automated billing system
Advertising is marked with a code in a way which makes it difficult to fool the system. The advertising is marked with a code at the time the advertising is produced. Then, when the advertising is...
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7035872 |
Recurrent billing maintenance system
A system for updating a merchant customer account database is provided, wherein the system may be used to update a merchant's customer database in response to changes made to a customer transaction...
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7028891 |
System and method for confirming transaction or billing communications
A system and method for confirming transactions is provided. A central processor receives a request to process a current transaction coupled with prior transaction information corresponding to a...
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7031940 |
Charge collecting system and program for controlling the same
A system which improves convenience on the user side and contributes to a cost reduction on the sales shop side is provided. A sales shop 2 manages requested contents to the users by a notice...
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7028008 |
Method and apparatus for paying bills electronically using machine readable information from an invoice
Data capture which occurs at the consumer end of an electronic bill pay transaction is assisted by machine readable information in a standardized format on an invoice where the machine readable...
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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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7021530 |
System and method for managing and processing stored-value cards and bill payment therefrom
A system and method for managing and processing stored-value debit, check card, signature debit, PIN based card or automatic teller machine (ATM) cards and bill payment from a variety of access...
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7020631 |
Method for mortgage and closed end loan portfolio management
A method for mortgage and closed end loan portfolio management in the form of an analytic tool designed to improve analysis of past and future performance of loan portfolios. In accordance with one...
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7013293 |
Portable transaction device
A portable transaction device including transaction apparatus operative to participate in a monetary transaction, authorization apparatus operative to authorize the transaction apparatus to operate...
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7010792 |
Method for managing interaction between information appliances and appliance services
The present invention provides a universal information appliance management system capable of executing transactions, including financial transactions, across a distributed network. Additionally,...
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7006964 |
Communication terminals
A system, method and apparatus are described for delivering software to a terminal 1 . Before software is delivered, an emulator 51 is invoked to validate the operation of the new software in...
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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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7006994 |
Automated receivables management system
An automated receivables management system that provides a self-service collection environment using an electronic network, such as the Internet or a PCS, as a medium for communication and...
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7003491 |
Methods and systems for a collections model for loans
The present invention, in one aspect, relates to tools for forecasting cash flow and income from a collateral based loan portfolio that are particularly useful in volatile markets. In one specific...
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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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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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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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6990466 |
Method and system for integrating core banking business processes
A system and method are provided for integrating core banking business processes which includes a business platform in which two or more selected banking processes common to the core banking...
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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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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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6976008 |
Internet billing method
An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the...
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6972859 |
Authorizing the printing of digital images
A method of authorizing the making of images on a receiver such as postage stamps by a receiving agency includes electronically transmitting a digital image file over a channel to the receiving...
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6973441 |
Method and apparatus for managing accounts payable
The present invention is a method for operating a computer-based accounts payable system. The user inputs a bill that includes a billing code. The system then determines whether the billing code is...
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6970846 |
Automated banking machine configuration method
A method for visual programming an automated transaction machine ( 12 ). The method includes the creation of terminal directors ( 225 ) that generally correspond to transactions performed by the...
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