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7620602 System and method for secure third-party development and hosting within a financial services network  
An electronic billing statement, presented as a user interface to a registered user of a server, the electronic billing statement comprising a first component, hosted by a financial service center,...
7620601 Internet charging system  
A charging system which enables a customer to select an access method from plural kinds of access service including access service with advertisements, when the customer uses the Internet. Internet...
7620201 System and method for mailing services including notification to recipient of items requiring time sensitive actions  
A notification system and method that enables mail recipients to easily identify mail items that require some action on their part, as well as easily ascertain the date by which the action must be...
7617155 Billing system, mobile terminal, and billing method  
To provide a billing system capable of simplifying user's operation and quickly performing a billing process even in the case where there exist a plurality of terminals for billing. A billing...
7617154 Ensuring the accurateness and currentness of information provided by the submitter of an electronic invoice throughout the life of a matter  
A facility for insuring information currentness is described. The facility receives from a party a request to submit an invoice. In response to receiving a request, the facility tests the...
7617153 Global procurement bypass shutdown process and method  
The present invention provides a bypass shutdown process and method to implement change across an organization to help ensure that the procurement of goods and services is done through specifically...
7616947 Mobile collection application  
A mobile collection application is disclosed that is capable of providing collection data to a field agent on a wireless pocket PC. A collection case inventory module is used to generate a list of...
7613657 Reverse rating system for determining duration of a usage transaction  
A reverse rating system determines the duration for which a phone call or other transaction may continue, given an account balance on a pre-paid customer account. The duration may take into...
7613656 Coupon payment system  
As an alternative to bill payments made with paper checks, customers are provided with “Sign-to-Pay” payment coupons along with their bills. A customer elects to pay the bill either by check or...
7613654 Use of electronic devices for money transfer  
A system for dispensing funds. The system includes a non-dedicated printer adapted to print indicia of a monetary value, and a postal security device coupled to the franking machine. The postal...
7610245 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...
7610244 System and method for effecting payment for an item offered for an electronic auction sale  
A computerized electronic auction payment system and method for effecting payment for at least one item sold via an electronic auction web site maintained by an electronic auction system are...
7610233 System, method and article of manufacture for initiation of bidding in a virtual trade financial environment  
A system, method and article of manufacture are provided for initiating bidding in a virtual trade financial environment. First, a form is submitted to a plurality of buyers providing details on...
7610229 System and method for interactively simulating a credit-worthiness score  
A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real...
7606770 System and method for performing an on-line transaction using a single-use payment instrument  
A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device...
7606766 Computer system and computer-implemented method for selecting invoice settlement options  
A method of operating a computer system includes storing attributes of a buying organization, vendors, invoices and/or line-item details from invoices in one or more databases. Rules are...
7606765 Television credit card system  
A credit card is used to purchase services, such as special pay-per-view television events, when the purchaser is located remote from his or her home base. When a subscriber is in a location remote...
7606763 Systems and methods for improving auction liquidity  
Systems, methods, apparatus, and means for improving liquidity in a securities auction include selecting a cover to use to provide general liquidity to the auction, the cover having a plurality of...
7606752 Host exchange in bill paying services  
An account exchange system is provided by a data aggregation service enabled for gathering data for a subscriber from a data repository of a first financial institution, using account exchange...
7606741 Information gathering system and method  
A system, apparatus and method for filling forms, including using a graphical capture device, are described herein.
7606738 E-mail based gift delivery  
A method enabling a first party to purchase a gift and to deliver the gift to a second party includes providing a retailer website that enables the first party to peruse and select a gift from an...
7606737 Method and apparatus for ordering goods, services and content over an internetwork  
A billing system that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its telephone...
7606721 Patient credit balance account analysis, overpayment reporting and recovery tools  
The present invention provides a system for managing, analyzing and reporting accounts of overpaid claims for patient balance accounts, although various components and features of the system are...
7606355 Method and apparatus for ordering goods, services and content over an internetwork  
A billing system is provided that allows a consumer to order products from computers connected to the Internet, wherein the consumer is automatically billed for the ordered good or service by its...
7603472 Zero-minute virus and spam detection  
Disclosed in this application are systems and methods for detecting unwanted electronic message transmissions at a certain location on an electronic communications network. The disclosed principles...
7603360 Location influenced search results  
Improved mobile content presentation capabilities are disclosed for mobile communications facilities, such as cell phones. Information relating to the location of mobile communication facilities...
7603315 Self-service terminal  
A self-service terminal ( 14 ) is described The terminal is associated with an organization ( 18 ) having individuals ( 36 ) under its supervision, each individual having a sponsor, whereby the...
7603314 Automatic billing event submission reconciliation for on demand systems  
Reconciliation subsystem for use with a system for recording, analyzing, verifying, and reporting of product used, sold, or transferred from multiple locations at various prices or costs to...
7603313 Charging system and charging method  
A user sends data for requesting a service provider to provide predetermined service and signature data created based upon the data to the service provider, the service provider calculates a fee...
7603311 Process and device for conducting electronic transactions  
A process and a device for conducting electronic transactions provides a more effective and efficient way to make a payment over the Internet. This process and device could be used to pay, for...
7603103 Banded billing and associated invoice generation for communication service  
An improved billing system for communication service is disclosed. A printed and/or online invoice will be generated for a subscriber's account and will be structured to include a visual gauge that...
7603102 Banded billing system for data communication service  
A banded billing system for data communication service is disclosed. A carrier's billing system maintains in data storage a banded-pricing schedule that divides a continuum of increments of data...
7599887 Method and system for prepaid roaming minutes  
A method and system for prepaying roaming minutes including crediting a user's account with prepaid roaming minutes at a discounted rate. The roaming minutes are subtracted from the user's account...
7599479 Systems and methods for generating bills  
Systems and methods for identifying charges on a bill are provided. Each charge category is assigned an associated symbol. The associated symbol appears in proximity to the corresponding charge...
7597249 Automated banking machine system with multiple browsers  
An automated banking machine ( 12 ) is operative to conduct transactions in response to mark up language documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an...
7596519 System and method for facilitating open item clearance  
Systems and methods are disclosed for assisting a user in clearing payments against vouchers in a financial system. A payment requiring user attention may be displayed to the user in an interface...
7593899 Method and system for online payments  
Methods and systems are disclosed which relate to online payments via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an...
7593898 Method and system for payment transactions and shipment tracking over the internet  
A method for completing a transaction in response to a determination that goods have been acceptably delivered to a buyer. The method is particularly suitable for use in an online commerce system...
7590597 Electronic business transaction system  
A center site is disposed to intervene in a business transaction achieved through a network. The center site includes an open business information database in which open business information...
7590596 Charging system and method for handling services within this system and entities thereof  
A method is provided for handling a service of a predetermined type within a charging system comprising a server and a client. The method includes receiving, at the client, a request for the...
7590595 Apparatus and method of a distributed capital system  
Methods, systems, and articles of manufacture consistent with the present invention provide for conducting financial transactions over a network. A user requests to execute at least one financial...
7588181 Method and apparatus for verifying the legitamacy of a financial instrument  
An apparatus and method for verifying the legitimacy of a financial instrument used by a shopper is disclosed. A seller accepts details about goods and services to be delivered, and information...
7587365 Controlling expenditures by applying rules specified for categories of purchased items  
A monetary account, such as a prepaid account or credit account, that is used as payment for purchases is divided into categories of purchased items. When a purchase is attempted, a request to...
7587364 Systems and methods for bank determination and payment handling  
Systems and methods are provided for automated payment handling. In one implementation, a method is provided for processing of a payment request. The method may include determining, using the...
7587363 System and method for optimized funding of electronic transactions  
The invention provides systems and methods for managing transactions. The system includes a data input portion that communicates first information regarding a payment request, as well as a decision...
7587359 Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility  
There are provided methods and systems for harvesting feedback and comments. A system includes a display function to present a single input interface via a communications network. The single input...
7584886 Secure and portable payment system  
Payment systems are provided that utilize a portable device, and in particular, payment systems that utilize a first portable device that belongs to a seller and a second portable device that...
7584156 Method and apparatus for estimating the refresh strategy or other refresh-influenced parameters of a system over its life cycle  
A method for estimating the cost of a system over its predetermined life cycle includes estimating refresh and non-refresh costs for the system over its life cycle. By estimating the refresh cost,...
7584132 System for facilitating selection of investments  
A tool implemented in a computer system for analyzing the performance of a set of investment opportunities (FIG. 2 ). The tool operates in a screening mode whose displayed results permit the user...
7584126 System and method for managing dedicated use of a credit account  
A method of managing dedicated use of a credit account is provided. The method includes receiving information regarding a credit account, associating the credit account with a usage program, where...