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6968175 |
Method and system for sharing transmission revenue between mobile operators and content providers
A method and system for revenue sharing between mobile operators and content providers. The content providers, through a data network, provide data services to the end users of the mobile...
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RE38801 |
Automated interactive bill payment system using debit cards
Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present...
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6947907 |
Process for managing ownership of a valuable item
An ownership management process ( 32 ) is practiced with the aid of a computer system ( 18 ) having access to a database ( 38 ) which includes data describing any number of leases. The subject of a...
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6944595 |
Apparatus and method for performing conversion between different units of currency using an encapsulated conversion path of exchange rates
A conversion path for converting between two different currencies is defined as a series of simple exchange rate objects and is encapsulated within a compound exchange rate object. The intelligence...
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6941285 |
Method and system for a virtual safe
A transaction server for performing a transaction over a network using a virtual smart card the server comprising, a virtual smart card database having a plurality of records each record including...
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6941282 |
Methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts
Disclosed herein are computer-implemented methods and systems for securely carrying out electronic transactions including electronic drafts, wherein payment on at least one of the drafts is...
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6941281 |
Automated payment
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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6938051 |
Method, storage medium and system for electronically viewing multi-page document while preserving appearance of printed pages
An electronic Yellow Pages viewer shows the pages of a Yellow Pages directory as they appear in the bound version. The print queue used to print the bound version is intercepted, and each page is...
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6934691 |
System and method for managing mail/bills through a central location
The present invention is a system and method for managing mail/bills from a central online location. Mail/bills are sent/forwarded to the central online location via electronically or traditional...
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6918537 |
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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6915266 |
Method and system for providing evaluation data from tracked, formatted administrative data of a service provider
An agent-neutral computerized method for processing administrative data of a medical service provider, including defining standard administrative data formats for use by a medical service provider...
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6915272 |
System and method of secure payment and delivery of goods and services
A system, method and computer program for ordering, paying for and delivering goods and services from a content provider to a user which assures the content provider that he will be paid and that...
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6911133 |
Automated system for issuing and managing offence tickets
The invention concerns a system for issuing and managing offence tickets comprising a portable input device provided to the policeman for recording therein data concerning the contravening vehicle,...
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6910021 |
Financial management system including an offset payment process
The present invention is a system that includes a first financial management system handling receivables and a second financial management system handling payables. The receivables system sends...
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6898570 |
Billing statement customer acquistion system
A customer acquisition system is disclosed that allows an offeror service provider to acquire new customers by making acquisition offers to customers through the billing statements of other...
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6889205 |
Method and system for electronically presenting a statement, message, or file
A system and method for preparing and electronically delivering a statement, message, or file to a party. The method may comprise receiving from a party an electronic statement, message, or file,...
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6886741 |
Electronic transaction system
An all-purpose transaction system using a universal card is disclosed herein. The universal card is issued by a transaction card processing center (TCPC) and can be used for various purposes and to...
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6885877 |
Portable communication device and system using the portable communication device and attachment for a portable communication device
A portable communication device is used in a digital money system so as to pay for purchase by digital money by using the portable communication device. A remote communication interface interfaces...
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6882986 |
Method for automatic processing of invoices
A computerized method of automatically generating payment for electronic billing data including automatically obtaining billing data in an electronic format from a billing party for a billable...
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6883004 |
Automated invoice receipt and management system
An automated invoice management system includes a network circuit for communicating invoice transactions with a plurality of client systems. The automated invoice management system receives an...
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6880157 |
System and method of providing a virtual appliance
The present invention provides a universal information appliance management system capable of utilizing a distributed object system without regard to whether the appliance is embodied as a hardware...
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6879964 |
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that...
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6873974 |
System and method for use of distributed electronic wallets
Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred...
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6871193 |
Method and system for partitioned service-enablement gateway with utility and consumer services
A gateway for providing consumer services is presented. The gateway includes a secure partition associated with a gateway and operable to control access to at least one utility service and a bundle...
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6868391 |
Tele/datacommunications payment method and apparatus
A tele/datacommunications network has a service node (TSN) ( 30 ) which facilitates payment/transfer from a customer account of a customer financial institution ( 80 ) to a merchant account of a...
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6868267 |
Apparatus, method, and article of manufacture used to invoice for services consumed in a communications network
An apparatus, method, and article of manufacture that provides an efficient way to invoice the users of a communication system ( 100 ) for the system resources consumed. Invoicing is based upon...
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6868402 |
Document transmit system and document transmitting method
In response to a fee payment request issued from an applicant apparatus via a communication network, a payment acceptance server makes a payment credit inquiry of an applicant to a financial...
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6856975 |
System, method, and article of manufacture for secure transactions utilizing a computer network
The present invention is a system or method and device useful for the secure electronic payment of consumer debts over a publicly accessible computer network. The preferred form of the present...
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6856974 |
Electronic bill presentment technique with enhanced biller control
An electronic bill presentment system includes network, a central network station, and a plurality of user and biller network stations. Each of the user stations is associated with a respective one...
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6847816 |
Method for making a payment secure
A mobile telephone is equipped with a smart-card reader to aid in universal payment by smart card. A security checking circuit of the mobile telephone is provided with a complementary function by...
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6842740 |
Method for providing automatic payment when making duplicates of copyrighted material
A method and system for providing payment when duplicating a document containing copyrighted material, comprising the steps of: locating and electronically reading a billing mark, if it exists, on...
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6839677 |
Transactional data transfer in a network system
An internet user using a browser ( 10 ) connects to a first server ( 30 ) and conducts transactions at the site ( 30 ). The user is transferred to a second server ( 32 ) along with data relating to...
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6839687 |
Consumer-based system and method for managing and paying electronic billing statements
A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a...
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6836764 |
Tiered interest rate revolving credit system and method
A method and a system for operating a revolving credit program utilizing a table of tiered interest rates in which one of the interest rates is applied as a finance charge to a remaining...
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6832212 |
Method and apparatus for manipulating billing and payment information within a browser interface system
A method for manipulating billing and payment information comprising the steps of: loading billing information stored at a local location; accessing retained criteria; formatting field information...
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6829591 |
Router instruction processor for a digital document delivery system
A router instruction processor for a digital document delivery system 10 interacts with one or more electronic inserts and a bill processing server to function as a general document fulfillment...
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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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6826542 |
System and method for collecting, enhancing and distributing invoices electronically via the internet
The present invention is a central invoicing system. Payors and invoicers can use the central invoicing system by connecting to it by a network, such as the Internet, and using an interaction...
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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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6816721 |
System and method of purchasing products and services using prepaid wireless communications services account
System and method for enabling the purchase of products and services using a prepaid account associated with a wireless communications device are described. In a preferred embodiment, when a...
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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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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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6772191 |
System and method for limiting services at a plurality of levels and controlling image orientation via a network
An apparatus controlling system capable of providing services such as video services and camera control services via a network, with a simple structure and high efficiency. Upon request from a...
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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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6754640 |
Universal positive pay match, authentication, authorization, settlement and clearing system
An universal positive pay match, authentication, authorization, clearing and settlement system to reduce check and card fraud. The system includes several technologies for inputting check register...
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6745229 |
Web based integrated customer interface for invoice reporting
A Web-based invoice viewing system and method for enabling a customer to generate invoices relating to various network services provided to the customer by an enterprise. A Web enabled invoice...
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6738810 |
Method and apparatus for encouraging timely payments associated with a computer system
A method of encouraging timely period payments that are associated with a computer system includes the step of storing passwords in the computer system wherein each password is associated with a...
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6738751 |
Credit card rental-cost payment method
A method provides for at least potential payment of rental costs by debit from a credit card. A renter's credit card program is established by a financial institution or other commercial lending...
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6735573 |
Lease termination method
A method for derecognizing the commitment of a lessor in an operating lease having a lease liability including the steps of holding by a lessee an operating lease wherein the operating lease has a...
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6728686 |
Electronic money holding device and electronic money automatic payment method
An electronic money holding device has a first storage unit for storing a uniquely assigned identification number and an amount of held electronic money, a processor for controlling the reference...
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