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Data Processing: Financial, Business Practice, Management, Or Cost/price Determination > Automated Electrical Financial Or Business Practice Or Management Arrangement > Finance (e.g., Banking, Investment Or Credit) > Including Funds Transfer Or Credit Transaction Including Funds Transfer Or Credit TransactionIncluding Funds Transfer Or Credit Transaction patent applications listed are from June 2005 to current and include Date, Patent Application Number, Patent Title, Patent Abstract summary and are linked to the corresponding patent application page.11/16/06 - 20060259422 - Method and system for transacting an anonymous purchase over the internet A method is provided for transacting an anonymous purchase over the Internet. The method comprises the steps of: (a) acquiring intermediary credit account information (22) from a purchasing intermediary (35, 112); (b) providing transactional purchase information (24), including the intermediary credit account information, to a retailer (16, 128), where the ... 11/16/06 - 20060259421 - Transaction arbiter system and method A transaction arbiter system and method is disclosed which incorporates a merchant function database under control of a transaction arbiter that permits merchants to interact in an automated way with bids generated by other merchants. Rather than utilizing fixed price schedules as taught by the prior art, the present invention ... 11/16/06 - 20060259420 - System and method for regulatory compliance assessment of settlement statement data A system and method for performing an automated regulatory compliance assessment of electronic settlement statement data for a mortgage loan that is extracted from textual or electronic documentation or entered through an electronic data entry portal. The invention provides a means for identifying and reconciling differences in data contained in ... 11/09/06 - 20060253390 - Private label purchase card acceptance systems and methods A method of processing a purchase card transaction includes receiving a transaction request at a host computer system from a point-of-sale device of a first merchant. The transaction request comprises transaction details relating to a purchase from the first merchant using a private label purchase card relating to a second ... 11/09/06 - 20060253389 - Method and system for securing card payment transactions using a mobile communication device A method and system for securing card payment transactions using a mobile communication device provides improved security in card payment transactions such as credit and debit card transactions. Upon receipt of a transaction at the card issuer or other service provider, a message is sent to a mobile communication device ... 11/09/06 - 20060253388 - Financial transaction system A financial transaction system is disclosed. The financial transaction system relates to a method of enabling the transactions from usage of a credit card or debit card to initiate other processes, e.g. intelligence/counter-intelligence espionage, real-time documentation of business related expenses, security system linkage to credit card based alerting system. ... 11/09/06 - 20060253387 - Method of internet trade protection for buyers and sellers through the use of detailed transaction negotiation, pre-deposit of funds, performance conditioned release of funds, pre-defined international exchange rates, and defined dispute resolution. A method is provided for a bundled transaction set encompassing the negotiation of a transaction for goods or services with specific definitions of the elements of the transaction. The method tracks all exchanges between buyer and seller and requires each change to be reviewed, accepted, or modified by the opposing ... 11/02/06 - 20060248006 - Methods for upgrading a trading system The present invention relates to methods, a system, a computer apparatus, computer readable mediums and computer program products for electronic trading systems. The method comprises the steps of: receiving a transaction message including data of a first type at a receiving gateway; obtaining route information comprising instructions regarding at least ... 11/02/06 - 20060248005 - Techniques for protecting financial transactions Enhanced security is provided for a transaction involving a customer using a financial device associated with a financial account. Information regarding an authorized user of the financial account is received and stored in a storage system prior to the transaction. The information is capable of being used by a person ... 10/26/06 - 20060242060 - System and method for the collection and management of firearm transactions and logs A system and method for the collection and management of firearm transactions and logs for facilitating firearm transfer processes and maintenance of firearm logs and manifests pursuant to federal, state, and local regulations. The present invention further enables the synchronization, accessibility and transferability of the collected and managed information between ... 10/26/06 - 20060242059 - Transaction settlement using value exchange systems and methods A method of settling a purchase transaction includes establishing an account on behalf of a customer. The account relates to a quantity of service and establishing the account includes establishing an exchange ratio that equates the quantity of service to a measure of value. The method also includes thereafter receiving ... 10/26/06 - 20060242058 - Transaction system The present invention provides a method of performing secure transactions between a first party and a second party. The method includes having the first party provide payment details to the second party. The second party then responds by generating a payment request including an indication of the first party and ... 10/19/06 - 20060235791 - Follow-up contacts with virtual world participants A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A participant or player can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding ... 10/19/06 - 20060235790 - Participation profiles of virtual world players A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A participant or player can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding ... 10/19/06 - 20060235789 - Methods, systems, and products for collaborative authorizations in electronic commerce Methods, systems, devices, and products obtain collaborative authorization in an electronic commerce transaction. One such device includes a commerce profile stored in memory, and a processor communicates with the memory. The commerce profile stores rules for obtaining authorization for the electronic transaction. The processor accesses the commerce profile and, based ... 10/12/06 - 20060229979 - Issuing machine and issuing system An issuing system for issuing unmodifiable and/or unforgeable hardcopy documents or securities includes a server and a plurality of issuing machines connected to the server via a network. Each of the issuing machines receives an ID recording medium provided by a potential purchaser, retrieves an identification recoded in the received ... 10/12/06 - 20060229978 - Electronic balance checking and credit approval system for use in conducting electronic transactions An electronic balance checking and credit approval system includes consumer transaction accounts, tokens, input devices, authentication hardware and software, and output devices. The consumer transaction account is held in trust on behalf of a consumer by a credit extending company. The token is specific to and held by the consumer, ... 10/12/06 - 20060229977 - Authorization and capture with multiple currencies Techniques are presented for authorization and capture with multiple funding sources and currencies. A transaction amount associated with a target currency is authorized from one or more funding sources, where at least one of the one or more funding sources includes funds associated with a different currency from the target ... 10/12/06 - 20060229976 - Virtual credit with transferability A method and system provides credit arrangements in simulated environments. A user can participate in credit transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users can make simulated purchases or ... 10/05/06 - 20060224506 - 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. The central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase ... 10/05/06 - 20060224505 - Multi-player game using simulated credit transactions A method and system provides credit arrangements in simulated environments. A user can participate in credit transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users can make simulated purchases or ... 10/05/06 - 20060224504 - Mobile biometric merchant transaction processing A method and system to enable mobile merchants process transaction payments. The system uses a BID card, smart device, merchant device, smart card reader scanner writer, and RFID reader. The BID card or smart device holds a merchant or non-merchant's personal, account, and biometric information. The merchant device contains one ... 10/05/06 - 20060224503 - Integrated online help system and buyer-initiated c2c marketplace An integrated online help system and buyer-initiated C2C marketplace. A client who is in need of help posts a request (Goods Wanted or Info Wanted) at a client system, including a detailed description of the request and the fees to be paid. The server system notifies a selected group of ... 09/28/06 - 20060218089 - Service point management system for use in sales promotion services A service point management system employs a computer for managing points issued to each customer who receives service according to the points. A point issue unit issues points to the customer according to transactions performed by the customer. A point accumulation unit calculates and accumulates the issued points. A point ... 09/28/06 - 20060218088 - Intelligent auto-fill transaction data A menu of candidate entries for a category field of a transaction is presented. A best candidate is identified based on partial user input in a category field and on additional descriptive information about the transaction, such as whether it is an expense transaction or an income transaction. The category ... 09/28/06 - 20060218087 - Automated aggregation and comparison of individual spending relative to population of similar users A system and method compares a user's aggregated spending transactions with those of the population. The system and method aggregates the user's spending transactions, and compares with the corresponding population aggregated spending transactions. ... 09/28/06 - 20060218086 - Payee aliasing Field values such as payee names from downloaded transaction records are automatically renamed when appropriate, to make them consistent with corrected field values, such as actual payee names. If a downloaded field value corresponds to an alias for an corrected field value, the downloaded value is re-placed with the corrected ... 09/28/06 - 20060218085 - Client-server architecture for managing customer vehicle leasing A system for managing a credit profile for a customer having a fleet of leased vehicles, the system comprising: (a) a client computer; (b) a server in communication with the client computer; and (c) a database in communication with the server, the database being configured to store a plurality of ... 09/28/06 - 20060218084 - Automated system and method for providing lease payment information to consumers via the internet A system and method of providing payment information for a lease of a specific vehicle in a vehicle dealer's inventory to a consumer via an Internet website of a dealer service is disclosed. A lease service obtains data via the Internet from the dealer service. The data is stored in ... 09/28/06 - 20060218083 - Method and apparatus for automatically applying/linking transactions in a financial management system The present invention relates to a computer-implemented financial management system that includes a standardized apply system that, in general, allows a user to relatively easily apply any transaction/document to any other transaction/document. The apply system includes a uniform apply interface that is configured to receive at least two generic transactions. ... 09/28/06 - 20060218082 - Method and apparatus for applying/linking transactions in a financial management system The present invention relates to a computer-implemented financial management system that includes a standardized apply system that, in general, allows a user to relatively easily apply any transaction/document to any other transaction/document. The apply system includes a uniform apply interface that is configured to receive at least two generic transactions. ... 09/28/06 - 20060218081 - System and method for document management A heuristic method and system for document management are disclosed. A document management system may specify transaction constraints for various transaction types. The system may then receive a document containing information pertaining to a transaction. The information may be stored and transaction requirements based on a transaction constraint and the ... 09/21/06 - 20060212388 - Systems and methods for facilitating a transaction by matching seller information and buyer information Systems and methods are provided to facilitate a transaction between a seller and a buyer. According to one embodiment, seller offer information is received at a controller. The seller offer information is associated with an item, such as a secondary market item, being offered for sale by a seller. Buyer ... 09/21/06 - 20060212387 - Method and system for administrating funding of product development Systems and methods are provided for administrating funding of product development. The system may include a memory for storing a set of instructions and a processor for executing the set of instructions stored in memory to performed a method including establishing a list of entries; assigning a priority to each ... 09/14/06 - 20060206421 - 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 is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction ... 09/14/06 - 20060206420 - Method and system to create and distribute excess funds from consumer spending transactions An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network composed of subscriber/payors, neutral merchant/collectors, a central clearinghouse, and provider ... 09/14/06 - 20060206419 - Business process and user interfaces for money transfer The present invention is a control system and set of methods for providing and controlling a money payment transaction through a network. The methods comprise determining the values of several variables which influence the fee charged for the transaction by choices from an array of selections, and then charging a ... 09/14/06 - 20060206418 - Methods and apparatus for updating credit bureau data Methods and apparatus to update credit bureau data are disclosed. The methods and apparatus provide a credit reporting transport server that stores credit information sent by the credit data providers. This data may be queued by the credit reporting transport server and forwarded to the credit bureau servers. Although credit ... 08/31/06 - 20060195394 - Payment options for virtual credit A method and system provides for the use of credit arrangements in simulated environments. A user can participate in credit transactions involving purchases of virtual products, virtual services, and virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users ... 08/31/06 - 20060195393 - Creation of recurring transactions A computer implemented method for recording financial information is provided. The method includes identifying a transaction as recurring. A recurring transaction occurs multiple times according to a frequency value. The method also includes creating two or more transactions from the recurring transaction according to the frequency value. ... 08/24/06 - 20060190397 - Utilizing supporting dimensions to further define transaction entities in a computerized financial/accounting system A computer-implemented financial system that allows for account modules to be set up, and transaction data to be entered, stored and retrieved as transaction entities, with each transaction entity including an amount, is provided. The financial system further allows for supporting dimensions (dimensions that are entered and saved to the ... 08/24/06 - 20060190396 - Real estate sales/financing plan A business method provides for the sale of real estate to persons ineligible for credit from typical financial institutions. A real estate financial entity purchases real estate and sells it to a buyer via a sales contract comprising scheduled monthly payments wherein title is transferred upon completion of all scheduled ... 08/10/06 - 20060178985 - Virtual credit in simulated environments A method and system provides for the use of credit arrangements in simulated environments. A user can participate in credit transactions involving purchases of virtual products, virtual services, and virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users ... 08/10/06 - 20060178984 - System and method for calculating expected approval rates The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The invention provides a system and method by which a program administrator for a company may model varying client-imposed limit scenarios in order to determine one or ... 08/03/06 - 20060173776 - A method of authentication The present invention relates to the authentication of parties involved in transactions performed remotely over a network, such as the Internet. When a first party initiates a transaction with a second party, the second party can request authentication of the first party. Authentication is carried out by sending a communication ... 07/27/06 - 20060167791 - Multi-party transaction processing system and approach Transaction management for processing payment-related aspects of transactions is facilitated. According to an example embodiment of the present invention, a transaction management approach involves the automatic processing of payments to multiple parties with payment chains extending through intermediary sellers. In some instances, an intermediary seller contracts with a buyer for ... 07/20/06 - 20060161499 - Computerized system and method for an automated payment process A computerized payment system and method is disclosed which provides subscribers with funds based on their income at regular, pre-defined intervals other than those on which they are normally paid. In so doing, it interfaces with the subscriber or with the subscriber and his source of income, and utilizes a ... 07/13/06 - 20060155642 - Ranking system using instant post-transaction surveying of transaction judges After a telecommunications interaction apparently concludes between first and second parties to the interaction, an automated means for detecting the termination of the interaction jumps in and presents at least one of the parties with an opportunity to participate in a survey (an instant survey) relating to the just-terminated interaction. ... 07/13/06 - 20060155641 - Prepaid card with multiple depositors A user is provided with access to funds in an account held an account server computer, the account associated with and accessible via a token. A plurality of unique depositor identifiers is associated with the account, with of the depositor identifiers enabling a depositor to deposit a subset of funds ... 07/13/06 - 20060155640 - Product optimizer A system and method for defining a custom business process associated with a financial transaction. Defining a business process includes creating one or more forms for exchanging information among a customer, a financial institution, and, optionally, a vendor or other third-party who performs one or more sub-transactions related to the ... 07/06/06 - 20060149670 - Auto substantiation for over-the-counter transactions A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer ... 07/06/06 - 20060149669 - System, program and method for determining the compensatory value to avoid contract termination over computer network A computer program, system and method for determining compensatory amount in a deposit-share exchange agreement over a computer network such as the Internet. Such compensatory amount is necessary to accord and satisfaction in place of an action to sue by depositor for damages where the deposit institution failed to exchange ... 07/06/06 - 20060149668 - System and method for financing commercial transactions A method for financing a commercial transaction between a supplier and a buyer, including engaging a buyer receiving goods or services under terms of trade credit from a supplier of goods or services, the trade credit permitting payment for the goods or services at a future date, the buyer neutralizing ... 07/06/06 - 20060149667 - Method and system for transferring funds This invention relates to the field of commerce and in particular to a method of transferring funds using a payment card. Existing funds transfer systems suffer from a number of problems including for example lengthy delays associated with their delivery, high processing costs and high administrative costs. To alleviate these ... 06/29/06 - 20060143121 - 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 database upon the electronic platform and is accessible by all users. The buyers are assigned a credit limit and are able ... 06/29/06 - 20060143120 - Apparatus and method for indicating the status of transaction function devices in an automated banking machine An automated banking machine includes a plurality of transaction function devices, including a cash dispenser. The machine can generate an HTTP record including indicia representative of an operational status of at least one transaction function device. The machine includes a server. The HTTP record can be accessed through the server ... 06/29/06 - 20060143119 - Secure networked transaction system A method and system for approval by a verification computer of an online transaction between a user computer and a merchant computer over the Internet. The user computer transmits a transaction request to the merchant computer, which may include a product to be purchased and the payment amount. The merchant ... 06/29/06 - 20060143118 - Systems and methods for price matching on funds transfers Systems and methods for performing financial transfers. In some instances, the methods include providing a staged transaction system that includes at least two stages. Quotes are accessed for the first and for the second stage of the transaction. One quote associated with a stage of the transaction is selected and ... 06/29/06 - 20060143117 - Automated transaction control method, automated transaction device, and storage medium stored program for same An automated transaction device verifies individual data of storage media against input individual data, and performs automated transaction. In order to prevent degradation of service to a user even when biometric authentication is not successful, a control unit of an automated transaction device, even when biometrics authentication is unsuccessful, effects ... 06/29/06 - 20060143116 - Business analytics strategy transaction reporter method and system A business method and system is provided for reporting routing transactions using business strategy and tactics information. In one embodiment, a contact center evaluator, a routing rules engine and a business rules evaluator are provided. Information may be input into the contact center evaluator from a contact center and to ... 06/22/06 - 20060136332 - System and method for electronic check verification over a network A method is disclosed of authenticating a consumer and authorizing a transaction over a network. The method includes first requesting, by a user, performance of a transaction between said user and a merchant, the user and the merchant performing the transaction over a non-secure web page. The user then enters ... 06/22/06 - 20060136331 - Method and system for issuing letters of credit A system and method for issuing letters of credit. The system and method issue a first letter of credit from a second party to a third party, and issue at least one second letter of credit from the third party to at least one fourth party. The system and method ... 06/15/06 - 20060129482 - Methods and systems for managing real estate property A method for controlling workflow relating to an acquisition or leasing of a facility is provided. The method utilizes a real estate management system that includes a computer coupled to a database. The method includes selecting a location for a potential facility being considered for a transaction including at least ... 06/15/06 - 20060129481 - System and method for self-monitoring credit information There is provided a method for monitoring business information. The method includes the computer-implemented steps of automatically and periodically accessing business information on a business entity from one or more databases, updating a business information database with the business information, updating at least one business information report on the business ... 06/15/06 - 20060129480 - Credit card interest rate exchange and reduction method A credit card interest rate exchange and reduction method to benefit consumers who hold relatively high interest credit card debt and banks looking to invest non-income producing idle or excess cash on hand in the consumer marketplace. An intermediary solicits individual consumers who wish to reduce the interest rates that ... 06/15/06 - 20060129479 - Method and system for auction trading Provided is a method and system for auction trading which enables transactions to be time shifted. A first sale transaction of a first participant selling to a second participant for a first price is processed. A second sale transaction of the second participant selling to a third participant for a ... 06/08/06 - 20060122931 - Method and device for generating a single-use financial account number A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and ... 06/01/06 - 20060116955 - Method and system for merchant processing of purchase card transactions with expanded card type acceptance Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant accepts, and merchant-specific transaction processing parameters are associated with each card type. During transaction processing, a card type for ... 06/01/06 - 20060116954 - Method and system for merchant processing of purchase card transactions with expanded card type acceptance Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant accepts, and merchant-specific transaction processing parameters are associated with each card type. During transaction processing, a card type for ... 06/01/06 - 20060116953 - Purchasing system and method A network based system having a central server, at least one buyer computer and one merchant computer belonging to a reseller entity, at least one computer belonging to a reseller contact, the server receives information and saves information about the buyer, reseller and entities having permission to assign from agent ... 05/25/06 - 20060112005 - Method for balancing the risk/reward structure for tranches in collateralized debt obligations A structured finance transaction, such as an asset securitization, is disclosed which includes a method for balancing the risk reward structure in the transaction by providing an additional tranch of securities, Class X. The Class X tranch of securities, for example, may be amortizing senior secured securities that are used ... 05/18/06 - 20060106715 - Portfolio accounting system and method for handling uncertainty in accounting information Portfolio accounting systems and methods are adapted to handle uncertainty in accounting information due to time delay in information issuance. Accounting information is represented by streams of sequenced simple transaction states, each individual state describing the state of an account or its changes as known at a certain point in ... 05/11/06 - 20060100959 - Methods and systems for implementing derivative transactions Methods and systems are provided for executing a futures transaction for a customer. A record of a stored-value account is maintained on behalf of the customer at a host system. The record includes an identification of a level of value stored in the stored-value account. A request is received at ... 05/04/06 - 20060095369 - Device, method and system for authorizing transactions A system, device, and method for authorizing transactions of a plurality of applications. The system comprises a plurality of application servers operable to authorize transactions of applications and a plurality of user devices. Each transaction authorization is dependent upon receipt, by the authorizing server, of a transmitted code verified by ... 05/04/06 - 20060095368 - Detecting structuring of financial transactions A method of detecting structuring of financial transactions by instantiating an autonomous, intelligent, mobile agent (for example, an aglet) and attaching it to an onward wire transfer; gathering patterns of transfer activity at a recipient account wherein identities of parties to the transfer remain anonymous to the agent; and detecting ... 05/04/06 - 20060095367 - System and method of supply chain procurement, settlement and finance A supply chain procurement, settlement and finance system and method of providing procurement and settlement logistics for buyers and financing for suppliers is provided. The system comprises a transaction module for purchasing and receiving goods and services from a supplier, a finance module for providing a financial interest for the ... 04/27/06 - 20060089905 - Credit and identity protection network A computer network, Credit and Identity Protection Network (“CIPN”), is established to detect credit damage and identity theft occurring to individuals, organizations, and other entities. It automatically advises the potential victims to verify the possible fraudulent activities and helps them to take proper actions to protect their credit and identity. ... 04/20/06 - 20060085332 - System and method for resolving transactions A method for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a server is presented. The method comprises receiving information, at the server, regarding the transaction, seeking available information pertinent to the transaction from at least one source ... 04/20/06 - 20060085331 - System for resolving transactions A system for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a server is presented. The system comprises a server configured to receive communications from a user. The server is further configured to seek available information pertinent to ... 04/20/06 - 20060085330 - System and method for compiling information for resolving transactions A system and method for gathering information pertinent to a transaction for purposes of compiling an offer set of at least one offer for settling the transaction is presented. The design comprises a server configured to seek information, the server configured to seek at least one from a group comprising ... 04/20/06 - 20060085329 - Storage accounting system, method of storage accounting system, and signal-bearing medium embodying program for performing storage system A storage accounting system which includes a host computer, and a storage service apparatus that stores data requested by the host computer in accordance with a data access rate of a service agreement. The storage service apparatus monitors a data access rate of the host computer and selectively adjusts a ... 04/20/06 - 20060085328 - Secure online commerce transactions A method of enabling electronic commerce transactions is provided by a service, the service giving to users a disposable credit card or other indicia of credit for a particular transaction or amount. The service receives registration information from the user and authorizes the user. The service establishes an account for ... 04/20/06 - 20060085327 - Systems and methods for using credit card in government purchasing transactions Systems and methods to support an electronic market place include a communication network to communicate purchase requests; one or more buyers coupled to the network to issue a purchase order specifying items from two or more suppliers; and a server coupled to the network to receive the purchase order, the ... 04/20/06 - 20060085326 - Method and device for enabling electronic transactions Method for payment through the Internet while utilizing a multi position character code, wherein a first Internet connection is established between a customer and a merchant and a payment order is put by the customer. A first section of the character code is transferred from a computer associated to the ... 04/13/06 - 20060080235 - On-line registration method for registration of employees by representative of employing organization The prior art does not allow a juristic person to apply for membership on line to obtain access to a service. The method proposed here is provided with a function to issue a group ID which becomes immediately available for use upon provisional registration of a group profile by a ... 04/13/06 - 20060080234 - Method and system for transacting an anonymous purchase over the internet A method is provided for transacting an anonymous purchase over the Internet. The method comprises the steps of: (a) acquiring intermediary credit account information from a purchasing intermediary; (b) providing transactional purchase information, including the intermediary credit account information, to a retailer, where the transactional purchase information is provided by ... 04/13/06 - 20060080233 - Real-time marketing of credit-based goods or services Systems and methods are described that determine which offers for credit-based transactions (if any) to market to a person. Each offer is associated with a set of third party demographic information criteria, a set of lender demographic information criteria, and a set of lender credit data criteria. The set of ... 04/13/06 - 20060080232 - Cellular telephone based payment apparatus and method for use in purchase of good and services A cellular telephone is configured as a payment device for purchases from merchants, service providers and fast food establishments. The cellular device, in cooperation and interoperation with the cellular network and cellular service, providing a means for receiving credit authorization requests from merchants, reviewing the request, and approving or disapproving ... 04/13/06 - 20060080231 - Credit sales method and system A system determines whether purchase history information of a customer satisfies a credit balance increment condition with reference to a first storage that stores the purchase history information of the customer. If the purchase history information satisfies the credit balance increment condition, the member store calculates a credit balance increment ... 04/13/06 - 20060080230 - Method and system for identity theft prevention, detection and victim assistance A method and system that offers an identity theft prevention/detection service combined with a comprehensive victim assistance program. The identity theft prevention/detection service includes electronically monitoring an account associated with a customer for potential fraudulent activity. During the monitoring, potential fraudulent activity related to the account can be identified using ... 04/06/06 - 20060074798 - Financial instrument, system, and method for electronic commerce transactions A financial instrument for limited use with electronic commercial transactions corresponds to a subordinate account with a financial institution, where the instrument and the subordinate account has a randomly-selected or a generated name, an assigned number, and a pre-defined billing address. The financial instrument can be used for on-line transactions ... 04/06/06 - 20060074797 - Accounting method and apparatus for intellectual property reinvestment fund A system of accounting is provided for an intellectual property trust that manages multiple intellectual property accounts and assets. The system provides for the allocation of new intellectual property assets to the trust and a determination of a unit value of those intellectual property assets. The system further provides for ... 04/06/06 - 20060074796 - Educational tuition securities system An educational tuition securities system is provided. An educational institution can securitize tuition or course credits into tuition shares. Tuition shares in an educational institution can be purchased for a student and redeemed for payment of tuition credits or education costs at the educational institution. Tuition shares for an educational ... 03/30/06 - 20060069642 - Methods and systems for exchanging and or transferring various forms of value Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a ... 03/23/06 - 20060064376 - Account settlement method in online shopping An agent device is connected to a user device for browsing a merchant site, for selling products online and being served up on the Internet, the merchant site, and a server device of a credit-card company. In the case where an instruction of purchasing a product browsed by the user ... 03/23/06 - 20060064375 - Method and system for creating and maintaining records of title for items of property A method and system for recording a transaction affecting title to an identified item of property and for maintaining a record of title for such item of property. The system includes a title security device and a title record management system. The title security device includes: a) input means to ... 03/23/06 - 20060064374 - Fraud risk advisor A fraudulent business transaction application (FBTA) for monitoring application based fraud. When a consumer supplies account access information in order to carry out an Internet business transaction, the FBTA uses an online fraud mitigation engine to detect phishing intrusions and identity theft. The FBTA uses the account access information, a ... 03/23/06 - 20060064373 - Remote payment terminal A lightweight remote payment terminal is disclosed with the capability of capturing a tip amount and a signature authorizing a credit card transaction. The remote payment terminal allows diners to complete restaurant credit card transactions with minimal involvement from restaurant staff. A remote payment system is also disclosed that incorporates ... 03/23/06 - 20060064372 - Systems, methods, and devices for combined credit card and stored value transaction accounts The present invention generally relates to a single transaction account identifier that can be used for in transactions with one of multiple transaction accounts. The method includes one or more of the following steps: establishing at least two transaction accounts, wherein the transaction accounts are respectively associated with transaction account ... 03/02/06 - 20060047599 - Incremental funding method Provided is a method for developing a software product. The method can be implemented by stakeholders or by a service. Further, software can implement the method to provide project metrics before and during the development of the software product. The method identifies elements of the software product for development that ... 02/16/06 - 20060036543 - Creating groups of linked accounts Linking accounts corresponding to different products together to create a group so that group processing can be performed at the group level while independent processing of the accounts is performed at the account level. The method links the accounts into a group by linking a financial record for each account ... 02/16/06 - 20060036542 - System and method for behavioral finance A system suitable for an automated investment share price pattern search includes a computer, a historical information database accessible by the computer having historical information for a plurality of investments stored thereon, a connection to a supply of real-time or historical timeseries data, the data comprising real-time or historical data ... 02/16/06 - 20060036541 - Method and system to process credit card payment transactions initiated by a merchant A system, to process credit card payment transactions initiated by a merchant, includes an interface to receive a merchant-initiated request for a transfer of funds from a buyer credit card account. A credit card processing application initiates the transfer of funds from the buyer credit card account to a third-party ... 02/16/06 - 20060036540 - Method and system for merchant indemnification for online financial transactions A method and system enable indemnification of funds transferred electronically to an end merchant. An intermediary service having a server in communication with an automated clearinghouse system and having a client interface provides an online account for committing an irrevocable transfer of funds to the merchant account of a participating ... 02/16/06 - 20060036539 - System and method for anonymous gifting An anonymous gifting system exemplary includes an interface for subscribers to place orders online; a server configured to receive orders from subscribers for goods and/or services from participating vendors, associate each order with a subscriber's alias, and transmit each order to a vendor for processing and delivery of the ordered ... 02/16/06 - 20060036538 - Systems and methods for improved merchant processing Systems and methods for merchant processing in financial transactions may, according to some embodiments, include one or more keys within a transaction file. The one or more keys may, for example, be associated with one or more parameters defining how a transaction containing a key should be settled. In some ... 02/16/06 - 20060036537 - Risk management in an expeditious funds-holder payor authentication and funds transfer system and methodology A method and system for enables expeditious transfer of funds electronically to an end merchant substantially instantaneously upon the request of a new payor or client. An intermediary service having a server in communication with an automated clearinghouse system and having a client interface provides an online account for transfer ... 01/26/06 - 20060020540 - Method and apparatus for performing electronic transactions The invention discloses a method for performing electronic transactions over a communications network. The communications network includes a user operable terminal (12), a remote electronic transaction processing system (16) and a product and/or service delivery means (14). The method includes the steps of requesting a desired product and/or service on ... 01/19/06 - 20060015456 - System and method for facilitating bilateral and multilateral decision-making Techniques for facilitating evaluation, in connection with the procurement or delivery of products or services, in a context of at least one of (i) a financial transaction and (ii) operation of an enterprise, such context involving a member of a first class of parties in a first role and a ... 01/19/06 - 20060015455 - Order-resource fulfillment and management system and approach Historical data is used to manage and authorize payment for merchant offerings for transactions among a plurality of transaction parties. According to an example embodiment of the present invention, invoiced item quantities are processed using historical fulfilled and billed quantities of each item. If invoiced item quantities involved items that ... 01/19/06 - 20060015454 - Distributor-based transaction processing arrangement and approach Transaction management for distributor-based transactions is facilitated. According to an example embodiment of the present invention, a transaction management approach involves the processing of transactions on behalf of clients using rules associated with a distributor sponsoring the clients into the transaction. The processing involves the implementation of rules, profiles and/or ... 01/19/06 - 20060015453 - Systems and methods for implementing person-to-person international money exchanges Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, users are able to access one or more fund exchange servers to establish online accounts, which may then be used to transfer ... 01/19/06 - 20060015452 - Systems and methods for implementing account-to-account international money exchanges Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In one embodiment, users are able to access one or more fund exchange servers to establish online accounts, which may then be used to transfer ... 01/19/06 - 20060015451 - Property transaction Methods, devices, and systems are provided for property transactions. One device embodiment includes a processor, a memory coupled to the processor, and user interface coupled to the memory and processor. The device includes program instructions storable in memory and executable by the processor to coordinate a buyer electronic indicator and ... 01/19/06 - 20060015450 - Financial services network and associated processes Disclosed herein are a financial services network and associated processes for providing interactive transmissions between network participants. The financial services network includes a private and secure transport network that allows for any number of financial services to be conducted between participants and other entities associated with the network. Each participant ... 01/12/06 - 20060010069 - Transaction support method and system using same Disclosed is a transaction support method and system of supporting a transaction by controlling opening/closing of a plurality of lockers in order to deliver and receive an article related to the transaction. The transaction support method includes preparing each of the plurality of lockers as a safe, determining whether or ... 01/12/06 - 20060010068 - Conducting monetary transactions with minimal coin transfer When a monetary transaction is made between a merchant and a customer, some or all of the change owed to the customer will be transferred to a data storage card carried by the customer. Instead of receiving the change in the form of coins, the customer instead would insert his/her ... 01/12/06 - 20060010067 - Real-time planning and execution with minimum perturbation Methods and system are disclosed for planning and optimizing plans of a value chain in response to events and exceptions in the value chain with minimal perturbations to the existing plan. When an event or an exception occurs, potential solutions are constructed and evaluated. The potential solutions respect the business ... 01/05/06 - 20060004656 - Electronic money management method and system using mobile communication terminal An electronic money management method and system using a mobile phone is provided, which can be applied to electronic transactions. Upon receiving a request regarding electric money such as issuance, recharging, transfer, or balance checking, together with a mobile phone number and a password, from a user, an ARS server, ... 01/05/06 - 20060004655 - System and method for processing and for funding a transaction Method for processing a transaction, the method comprising automatically requesting a transfer from a source account to a destination account via a communication link, receiving the transfer, adjusting destination account data associated with the destination account by increasing a balance of the destination account by an amount of the transfer, ... 01/05/06 - 20060004654 - Credit score simulation Systems and methods are described that simulate a credit score. The system enables a user to modify a credit data element in order to determine its effect on a credit score. The user can modify the element directly or simulate an action that, if performed, would modify the element. Since ... 01/05/06 - 20060004653 - Apparatus, method and system for a designing and trading macroeconomic investment views The disclosure details the implementation of an apparatus, method, and system for a macroeconomic equity investment design and trade system (the Wavefront system). The disclosure teaches a set of quantitative tools to help investors design trades around macro themes. Part of the approach is a linked set of models called ... 12/29/05 - 20050289048 - Method, apparatus and program to offer a vehicle option contract over a network Method, apparatus and program to offer a vehicle option. Calculation of a vehicle put option premium for a vehicle is disclosed whereby said contract provides the seller to contract selling a vehicle at the user's price of his own choosing or willingness to pay within a determined future period whereby ... 12/29/05 - 20050289047 - Virtual marketplace for wireless device applications and services with integrated multi-party settlement A system, method, and computer program for providing independently developed applications and services to wireless telecommunication device users in a wireless communications network. The system allows independent developers to provide their applications and services to wireless device end-users via the wireless carrier network, bill a carrier and/or a subscriber for ... 12/22/05 - 20050283435 - User rewards program and associated communications system A financial system in which an intermediary facilitates transactions between one or more credit card issuers and a plurality of different vendors which may be related by a common characteristic. The financial system of the present invention preferably includes a consumer credit card and a membership card, both including some ... 12/22/05 - 20050283434 - Recurring transaction processing system and approach Transaction-based interactions are facilitated using recurring transaction processing approaches. According to an example embodiment of the present invention, recurring transactions are managed using rules applicable to parties to the transactions (e.g., as can be automatically associated with the recurring transactions based on information in the transactions and the rules). In ... 12/22/05 - 20050283433 - Method and system for providing seller bank receivable discounting services A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers and the sellers. In addition to the buyer and the seller, the transaction processing system also interacts with issuers and acquirers. The transaction processing ... 12/22/05 - 20050283432 - Method and system for providing buyer bank payable discounting aggregation services A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers and the sellers. In addition to the buyer and the seller, the transaction processing system also interacts with issuers and acquirers. The transaction processing ... 12/22/05 - 20050283431 - Method and system for providing seller bank receivable discounting aggregation services A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers and the sellers. In addition to the buyer and the seller, the transaction processing system also interacts with issuers and acquirers. The transaction processing ... 12/22/05 - 20050283430 - Method and system for providing buyer bank payable discounting services A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers and the sellers. In addition to the buyer and the seller, the transaction processing system also interacts with issuers and acquirers. The transaction processing ... 12/15/05 - 20050278251 - Transaction processing with core and distributor processor implementations Transaction processing for distributor-based transactions is facilitated. According to an example embodiment of the present invention, a transaction management approach involves the processing of aspects of a transaction between contracting parties using transaction rules associated with an administrator and at least one distributor sponsoring the transaction. In some applications, the ... 12/15/05 - 20050278250 - Transaction processing payment system A computerized financial transaction system encompasses payment of a bill by a customer at an agent site, where the agent accepts funds in payment of the bill, and enters or scans customer and payment information directly on a host provider's website. The host provider processes the payment information and formats ... 12/08/05 - 20050273427 - Automated banking machine apparatus and system 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 intranet (16), as well as in response to messages exchanged with foreign servers (20, 22, 24, 26, 28, 96) in a ... 12/08/05 - 20050273426 - Method for using consulting services for multi-task transactions to raise money for non-profit entities A method for streamlining multi-task transactions for a customer, such as buying a house or an automobile, and using the multi-task transaction to raise money for a non-profit entity. The method includes establishing a consultant to manage a multi-task transaction on behalf of a customer and designating a non-profit entity ... 12/08/05 - 20050273425 - Acceptance/reception separating system in financial institution An acceptance/reception separating system in a financial institution has: accepting means which accepts a process for a financial transaction; deposit receipt issuing means which issues a deposit receipt showing the acceptance of the process; business processing means which executes the process; notifying means which notifies the system of the end ... 12/08/05 - 20050273424 - Methods and apparatus for pre-trade analysis A method and system for a pre-trade analysis of a desired securities order, the method including, in some embodiments, receiving user input that indicates a desired securities order to evaluate, identifying a desired level of risk to associate with the desired securities order to evaluate, analyzing the desired securities order ... 12/01/05 - 20050267840 - 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 independent processing of the accounts is performed at the account level. Typically, a group includes a key account ... 12/01/05 - 20050267839 - System and method for structuring and providing third-party issued employee compensation The present invention relates to a method and system for structuring and providing employee compensation in the form of securities that are linked to the employer's equity but issued by a third party entity. The third-party issued securities allow the employer to avoid ongoing economic risks often associated with traditional ... 12/01/05 - 20050267838 - Price calculator A method is provided for calculating a price of a financial instrument that includes obtaining parameters of the financial instrument from a financial database of transactions and determining the price based on a projection using the parameters. The method may further include selecting a model for determining the price and ... 11/24/05 - 20050262017 - Automatic transaction system An automatic transaction system has a cellular phone of a customer and an automatic teller machine (ATM) which can directly communicate with the cellular phone by infrared communication. When the customer performs a transaction by the ATM, transaction information such as transfer information registered in the cellular phone is directly ... 11/24/05 - 20050262016 - Integrated on-line system for identifying and valuing foreclosure properties A system and method coordinates data and providing information to an external subscriber to the system relating to at least one foreclosure real estate transaction. The system comprises: (a) a centralized transaction coordination system for accessing a transaction database; (b) at least one interface device for accessing said transaction coordination ... 11/17/05 - 20050256801 - System and method for processing a transaction Method for processing a transaction, the method comprising receiving data indicating one of a plurality of personal identification numbers associated with an account holder, each of the plurality of personal identification numbers being associated with a respective one of a plurality of accounts and the one of the plurality of ... 11/10/05 - 20050251475 - Method and system for rating securities, method and system for evaluating price of securities, method for establishing a market with the system A rating method for securities or fixed rate financing instruments includes calculating a rating value for each one of the securities or fixed rate financing instruments based upon a formula involving grading numbers and weighting factors corresponding to risk and return attributes. The return attribute may be an interest rate, ... 11/10/05 - 20050251474 - Method of financing home ownership for sub prime prospective home buyers A program for purchasing homes is disclosed. The program is primarily intended for individuals with a poor or sub prime credit rating that precludes them from qualifying for conventional home loan financing. The individuals improve their credit rating as part of the program. The program is preferably operated as a ... 11/10/05 - 20050251473 - Methods of exchanging articles of commerce A system for transaction verification includes a buyer remote from the seller and an escrow agent receiving the funds from the buyer, to be released to the seller upon a condition precedent. A goods verification agent verifies the good condition to a predetermined criterion to provide the condition precedent. ... 11/03/05 - 20050246271 - Method of preserving rights in land This invention relates to a method of preserving rights, such as development rights, in land owned by a landowner. The invention uses financed life insurance, a bargain sale and the use of a trust or other entity, whereby a life insurance policy on the life of the landowner or rights ... 11/03/05 - 20050246270 - Method of maximizing real estate capital interests Under threat of foreclosure or after notice of trustee sale, a single entity provides a property owner the option of selling the property, listing the property for sale or borrowing money secured by such property. Further embodiments disclose a method of researching the property profile in advance to allow the ... 11/03/05 - 20050246269 - System providing methodology for consolidation of financial information A system providing methodology for consolidation of financial information is described. In one embodiment, for example, a system is described for consolidating financial transaction information from multiple sources for presentation to a user, the system comprises: a file importer for importing data files from a first source and processing each ... 11/03/05 - 20050246268 - Funds transfer method and system A funds transfer method in a communications system between two entity computers where, depending on the transaction, one is remitter computer and the other is a recevier computer. There is a systems server computer associated with an escrow account. Once a transaction has been agreed between the two computers, the ... 10/27/05 - 20050240521 - Method and system for integrating savings and credits with different interest rates for a new financial instrument and payment card called sciac This invention called Sciac™ is a method and system for operating a new financial instrument and payment card, which integrates savings and credit transactions belonging to the same payment plan into a single account, which can be carried out at different periods in time, for any amount, agreed on with ... 10/27/05 - 20050240520 - Charging in communication networks A method of communication includes the step of requesting at least one service having a plurality of parts. The method also includes determining if the at least one service is providable by taking into account credit information relating to a user. If not, the method also includes providing only one ... 10/27/05 - 20050240519 - System and method for automated commerce directed towards minority suppliers An on-line interactive electronic commerce system for the purchase and sale of goods and/or services between purchasers and qualified suppliers. Suppliers are qualified to participate by submitting information and registering with the host site. Some suppliers must present a recognized certification to be classified as a minority or women-owned enterprise. ... 10/27/05 - 20050240518 - Method and system for on-line communication based on an off-line transaction A method and system for communicating the approval of a purchase, and also billing for the purchase. Information related to the financial situation of a customer which was obtained from an off-line transaction is stored. Subsequently, a customer desires to enter into an on-line purchase. The previous information obtained from ... 10/20/05 - 20050234816 - Multiple client/user and capital market funded participating interest in qualifying trust Methods and apparatus, including computer program products, for multiple client/user and capital market funded participating interest in qualifying trust. Methods include establishing a legal trust that holds assets and issues obligations that grant participation rights in its assets. The legal trust can be a legal qualifying trust. The legal qualifying ... 10/20/05 - 20050234815 - Methods and systems for optimization of economic value from asset sets Methods and systems for optimizing economic value from a assets are disclosed. Operations, including use and maintenance, are performed on the assets, where operations are determined from settings. The desired settings are those that result in the assets producing optimal economic value. To determine desirable settings, dynamic performance measures of ... 10/13/05 - 20050228749 - Pay bills and accumulate wealth using a personalized financial debit-credit combination card that allows the user to make payment transactions against the user's own funds and encourages the user to pay back the account on a monthly basis for the charges This patent application makes available to a specific group of consumers a financial card that provides the services that existing debit and credit cards offer today; with the exception that instead of paying interests and fees to credit lenders, the consumer who uses this card agrees to pay himself or ... 10/06/05 - 20050222947 - Lender and insurer transaction processing system and method A system and method for transaction processing includes a central repository of transaction information which can be accessed by a variety of participants who may be located over a wide geographic area in the recovery process of a property unit such as a vehicle or other collateral. Interfacing with a ... 10/06/05 - 20050222946 - Compensation of data item processing A data processing method, apparatus, computer program product, and service for assuring timely execution of compensation for non-transactional work which is carried out in a transaction under which a data item is processed. A lock is taken before the data item is processed and, in the event the transaction fails, ... 10/06/05 - 20050222945 - Systems and methods for managing and reporting financial information Methods and system consistent with the present invention facilitate the management of financial information. Such methods and systems may receive transaction data, store the transaction data as a line item in a day ledger, receive a request for a report, the request indicating a financial figure, such as an average ... 10/06/05 - 20050222944 - System and method for managing the reimbursement of expenses using expense reports A method of managing expenses is provided. An expense report including details of one or more expenses incurred by an employee is electronically received. Electronic images of one or more receipts associated with at least one of the one or more expenses are received. A computer-readable identifier corresponding with the ... 09/29/05 - 20050216400 - System and method of managing payments The present subject matter discloses a method of managing payments made in the construction industry. A subcontractor delivers an invoice to the builder, the builder approves the invoice and forwards the invoice to a title company. The title company verifies the builder has the requisite funds in a construction loan ... 09/29/05 - 20050216399 - Methods and systems for securitization of certificates of deposit Various embodiments of the present invention are directed to methods and systems for securitization of certificates of deposit. In addition, the present invention relates to a corresponding security itself (e.g., a security associated with one or more certificates of deposit). As such, in one embodiment, the present invention creates a ... 09/29/05 - 20050216398 - System and method for international funds transfer and access A system and method of international funds transfer and access, wherein the present invention provides for the automated and regular deduction of a pre-selected amount or percentage of a sender's income over a selected pay period for subsequent automated remittance of same to a designated foreign receiving party; thus, absolving ... 09/29/05 - 20050216397 - Method, system, and computer program product for processing a financial transaction request In response to multiple rules having respective weights, an information handling system determines whether a financial transaction request is likely fraudulent. ... 09/29/05 - 20050216396 - 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 different customers in a business or in commerce, and generating consolidated billing notices. The reconciliation starts by logging the session start time ... 09/22/05 - 20050209963 - Network system, portable data entry terminal, program, and data output terminal control method A network system that uses a low cost, general purpose data input terminal reduces the control processing burden of the data input terminal. The network system has data input terminals used for data entry, mobile printers, each of which is paired in a predetermined 1:1 relationship to a specific data ... 09/22/05 - 20050209962 - Financial transaction card with installment loan feature There is provided a financial transaction payment method and system for processing a transaction conducted using a financial transaction card. The financial transaction card has associated therewith a financial account in a financial institution and one or more transaction criteria. The financial transaction payment system includes a processing unit and ... 09/22/05 - 20050209961 - Equipment to facilitate money transfers into bank accounts In one embodiment, the invention provides a computerized system and method for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device. According to one method, transactional information is transmitted to a host computer system from a point of ... 09/22/05 - 20050209960 - Electronic transaction system, wide area network printing system, and communications terminal In an electronic transaction system, a password authenticating section of the portable telephone judges whether the password inputted on the operating section of the accounting control device coincides with the password stored in the portable telephone. If the judgment result is affirmative, the controlling section of the portable telephone controls ... 09/22/05 - 20050209959 - Financial regime-switching vector auto-regression A regime switching vector autoregression (RS-VAR) is defined as a vector autoregression in which the parameters of the vector autoregression are functions of a set of discrete indices, which consitute the regimes. This process can be applied to interest rate models, default models, and other financial models. This can be ... 09/22/05 - 20050209958 - System and method for transferring money A system and method for facilitating money transfer from a primary account holder to one or more partner accounts. The primary account holder uses a self-service terminal, which displays information on each of several related partner accounts. The displayed partner account information permits the selection of the partner account into ... 09/22/05 - 20050209957 - Transaction switch and a method of use thereof An aspect of the present invention provides a method of handling a financial transaction in a transaction switch. The method includes receiving a primary transaction request from an initiator, identifying a host from a routing table for receiving the primary transaction request based on details provided in the primary transaction ... 09/15/05 - 20050203841 - Tokenless biometric electronic transactions using an audio signature to identify the transaction processor The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample of a user to at least one registered biometric sample, the bid biometric sample obtained directly from the user during an identification process ... 09/15/05 - 20050203840 - Method for calculating and displaying trading information A financial analysis system, comprising means for analyzing transaction information for a given item on a transaction by transaction basis to distinguish between aggressive buying and aggressive sales behavior; and means for displaying the analyzed transaction information. ... 09/15/05 - 20050203839 - Method for transferring mortgage servicing rights A system and method is provided for marketing and selling mortgage servicing rights (MSR). The method includes setting a contract price for the sale of MSR that are to be originated in the future. A buyer and a seller enter into a purchase and sale agreement in which the buyer ... 09/15/05 - 20050203838 - Method for automatic community model generation based on uni-parity data Method for automatic community model generation based on uni-parity data. Correlation analysis is employed to identify links within the community. Method may be particularized for solving specific problems such as determining the activities between individuals within a money laundering ring. ... 09/15/05 - 20050203837 - Direct deposit donation Direct Deposit Donation requires the automatic deduction of money from one's paycheck to an electronic donation receptacle. This money would be donated and tracked based on the employee's employee identification number. ... 09/15/05 - 20050203836 - Hierarchical entitlement system with integrated inheritance and limit checks A hierarchical entitlement system with integrated inheritance and limit checks is described. In one embodiment, for example, a computer-implemented method is described for specifying and enforcing entitlements for performance of financial transactions, the method comprises steps of: providing a hierarchical entitlement structure with inheritance for specifying entitlements for performing financial ... 09/15/05 - 20050203835 - Internet billing A method of pre-paid Internet access, comprising: accessing an Internet using a prepaid account, which access deducts from a balance of said account; and performing one or more activities while connected to said Internet, which activities modify said balance additionally to said accessing. These activities may increase or decrease the ... 09/08/05 - 20050197954 - Methods and systems for predicting business behavior from profiling consumer card transactions A system and method are provided for predicting small business behavior by analysis of consumer payment card transaction data. Transaction and amount velocity analysis of industry categories and/or real-time transaction-based profiling is employed to identify those consumer payment card accounts that are being inappropriately used to make small business purchases. ... 09/01/05 - 20050192895 - Methods and systems for processing transactions Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information ... 09/01/05 - 20050192894 - Checkpoint processing engine A method of correlating at least one data element used by at least one step of a business activity with an instance of said business activity, includes the steps of creating a unique identifier which is distinct from the data element, creating a data table of the data element associated ... 09/01/05 - 20050192893 - Authenticated messaging-based transactions Messaging-based transactions may be transmitted by using an intermediary host to receive transaction information from a sender. The sender and the transaction information are authenticated, and the transaction information is packaged as a transaction when the sender and the transaction information are authenticated. A trusted transaction message is generated configured ... 09/01/05 - 20050192892 - Automated clearing house compatible loadable debit card system and method The present invention provides an ACH compatible loadable debit card system and method. ... 08/25/05 - 20050187871 - System and method for collateralization of a commodity title The invention relates to a method for electronically furthering the commodity operations for a particular unit of a commodity on a distributed computer network such that a data record indicating the identity of the electronic title holder can be securely updated by actors in the commodity exchange, or automatically by ... 08/25/05 - 20050187870 - System for maintaining balance data According to one embodiment of the invention, an architecture is provided for a data processing system that processes data for a service provider itself or a client of a service provider as in the case of a third party processor. The elements of the architecture can be managed separately. For ... 08/25/05 - 20050187869 - Life settlement/settlement with paid-up policy system and method A method and system for structuring a life settlement with a paid-up policy transaction. An existing insurance policy holder exchanges an existing insurance policy for a paid-up insurance policy or life insurance group certificate purchased by a buyer on a secondary market. The policy could also exchange their policy for ... 08/25/05 - 20050187868 - Method and system for consensual referrals using multimedia description of real estate transaction A new property owner is provided with the ability to send to whomever she wishes a link to an announcement about the new property. The announcement is an interactive web document that includes information about the new property owner, a presentation of the real estate, a testimonial about the transaction, ... 08/25/05 - 20050187867 - System and method for associating identifiers with transactions Financial transaction data is retrieved from a financial institution. The financial transaction data includes a transaction value. The transaction value is compared to multiple pre-defined transaction identifiers and associated with one of the transaction identifiers. The financial transaction data and the associated transaction identifier are then stored in a storage ... 08/25/05 - 20050187866 - Method and system for executing financial transactions via a communication medium A web-based method and system that facilitates business transactions, including the raising of capital in global financial markets via the Internet is described. Users of the system design, structure, analyze and execute business transactions over the Internet. Users of the system described include issuers, financial institutions, intermediaries, other professional advisors ... 08/25/05 - 20050187865 - System for maintaining transaction data According to one embodiment of the invention, an architecture is provided for a data processing system that processes data for a service provider itself or a client of a service provider as in the case of a third party processor. The elements of the architecture can be managed separately. For ... 08/25/05 - 20050187864 - System for maintaining presentation instrument data According to one embodiment of the invention, an architecture is provided for a data processing system that processes data for a service provider itself or a client of a service provider as in the case of a third party processor. The elements of the architecture can be managed separately. For ... 08/25/05 - 20050187863 - Method and system for protecting real estate from fraudulent transactions Methods and systems for protecting a true owner's equity in real estate from fraudulent conveyance, mortgaging or other fraudulent transactions comprise executing and recording a lien on the real estate wherein the lien specifies that the lien holder should be contacted and a payoff statement obtained from the lien holder ... 08/25/05 - 20050187862 - Compliance monitoring method and apparatus A compliance monitoring system and method identifies an individual or entity to be monitored for account compliance and receives account information associated with the individual or entity. The compliance monitoring system and method obtains holdings in the account and determines whether the holdings in the account comply with a predetermined ... 08/18/05 - 20050182717 - Secure online purchasing In a method of purchasing online, a client device of a customer communicates a purchase selection which is received by a vendor computer system. The vendor computer system, in response, communicates a cost of the purchase selection and fund confirmation address to the client device. The client device communicates a ... 08/18/05 - 20050182716 - Information processing system, information processing method, and computer readable medium An information processing system to implement reverse auction for a price list is disclosed. The system includes a price list storage unit storing an individual transaction value when a supplier performs transaction under a reference transaction condition as a price list of a supplier, a requirement storage unit storing a ... 08/18/05 - 20050182715 - Method and system for charging for repeated use of a digital content item A method and system for charging a customer for repeated use of a digital content item. The system charges the customer for each use of the item until the total charge for the item reaches a predetermined charge limit. Once the total charge has reached the charge limit, the system ... 08/18/05 - 20050182714 - Wireless communications network for performing financial transactions A system for and a method of performing interactive data exchange, for example, as part of a financial transaction, between a user base and a communications network, provides a financial account associated with the user as part of the network infrastructure. The system includes a request data input device. A ... 08/18/05 - 20050182713 - Methods and systems for the auto reconsideration of credit card applications This invention relates to methods and systems for determining a credit card applicant's creditworthiness wherein the applicant is allowed a period following the initial review and rejection of his or her credit card application in which the applicant may cure the credit deficiencies and receive automatic reconsideration of his or ... 08/18/05 - 20050182712 - Incremental compliance environment, an enterprise-wide system for detecting fraud A dynamically determined data-driven model for detecting fraudulent behavior is provided where statistically significant data elements are not known a priori. An initial model is developed using historical data, such as demographic, psychographic, transactional, and environmental data, using data-driven discovery techniques, such as data mining, and may be validated using ... 08/18/05 - 20050182711 - Method for controlling subscriber accounts in connection with a pre-paid in platform, and a pre-paid mediator The invention relates to a method for managing customer accounts in connection with a Pre-Paid platform (8). According to the method the applications (3) communicate with the Pre-Paid platform (8). According to the invention, the applications (3) are arranged to communicate with a proxy (4) and the Pre-Paid platform correspondingly ... 08/18/05 - 20050182710 - Method of processing an electronic payment cheque The invention relates to processing an electronic payment cheque that relates to a transfer of an amount of money from an account of a first user in a first banking institute to an account of a second user in a second banking institute, which processing includes generating digital signatures by ... 08/11/05 - 20050177498 - Providing visualization of market offers using a multi-dimensional display including geometrically shaped icons A method of providing visualization of market offers includes receiving offer data for multiple offers, the received offer data reflecting values specified in the offers for multiple offer variables. The method further includes generating a display of the received offer data. The display comprising multiple dimensions each corresponding to an ... 08/11/05 - 20050177497 - Portable storage device and transaction machine In systems which execute transactions with an ATM using an IC card in which plural account information is registered in advance, one or more transaction information and intended use information indicating the intended uses of transactions to be executed by the ATM based on the transaction information are associated with ... 08/11/05 - 20050177496 - System for distributing funds A system is described allowing the transfer of funds, for example, from an employer to a third-party intermediary which can distribute the funds via a payroll card to an employee. The system allows a portion of the population such as that which does not use traditional bank accounts to receive ... 08/11/05 - 20050177495 - Payment processing system for remotely authorizing a payment transaction file over an open network A payment management system for obtaining an approval of an electronic fund transfer (EFT) disbursement file from a user of a remote system and transferring the EFT disbursement file to a payments processor. The payment management system comprises an electronic fund transfer submission module for generating a digest, by performing ... 08/11/05 - 20050177494 - Method and system for processing electronic financial transactions A system and method is provided that enables the processing of electronic payment transactions. The system and method includes a data transaction provider which is configured for receiving a request to process electronic payment transactions, funding the transactions and generating reports respecting such transactions. In accordance with an embodiment of ... 08/11/05 - 20050177493 - System and method for operating a gift certificate on the basis of credit card transactions Disclosed are a system and method for operating a credit card gift certificate based on credit card transactions. According to the method for operating the credit card gift certificate, a credit card gift certificate server adds the limit of the credit card gift certificate corresponding to an amount of money ... 08/04/05 - 20050171902 - Item exchange using a trusted party An embodiment of the present invention includes a technique to provide exchange transactions of items from entities. A first item having a value is received from a first entity. The first item is verified and advertised. An exchange agreement between the first item and a second item from a second ... 08/04/05 - 20050171901 - Methods and systems for offering a credit card account to a potential home buyer Systems and methods are disclosed for offering a credit card account to a potential home buyer. The systems and methods may include determining if a consumer is a potential home buyer and offering a credit card account to the consumer if the consumer is a potential home buyer. Next, the ... 08/04/05 - 20050171900 - Automated bill presentment and payment The Automated Bill Presentment and Payment system is an information and payment processing system which enables secure electronic processing of invoices and payments between parties who do not have an existing electronic business or payment relationship (e.g. bank direct debit) and who cannot, or prefer not to, use electronic means ... 08/04/05 - 20050171899 - Electronic payment clearing and check image exchange systems and methods A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic agent (DTA), a second entity (such as a central facility) communicatively connected to a DTA, and a communication network communicatively connecting ... 08/04/05 - 20050171898 - Systems and methods for managing multiple accounts on a rf transaction device using secondary identification indicia Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The ... 07/28/05 - 20050165676 - Data processing system for complex pricing and transactional analysis The present invention provides methods and systems for defining financial transaction components; defining mapping rules for taking individual financial transactions and breaking them down into their components, such as production services, billing services and settlement services. A data processing system in accordance with one embodiment of the present invention, creates ... 07/28/05 - 20050165675 - Settlement terminal To prevent skimming of card data used in electronic payment, attention is given to a phenomenon occurring in performing the fraudulent act of attaching a skimmer to a settlement terminal—namely that the settlement terminal is turned on and off several times. Detected power-on/off abnormalities are determined in accordance with an ... 07/28/05 - 20050165674 - Transaction authentication In a transaction authorisation arrangement a sales point (1) (an electronic point of sale device or a vending machine, for example) communicates with a transaction application (2) transmitting thereto a transaction value. The telephony platform (3) reserves one of a series of premium rate numbers (5) which can be dialled ... 07/21/05 - 20050160036 - System and method for a law firm to incur separate charges in relation to handling out-of-pocket costs A computerized method and system for the payment of out-of-pocket fees such as patent and trademark fees is disclosed. The patent or trademark fee for a client of a firm is charged against an account maintained by an organization separate from the firm. A charge issued at a workstation at ... 07/21/05 - 20050160035 - Credit transaction system A credit transaction system for adjusting the amount of money that can be used for credit according to the payment capability of the member, even when the credit limit for purchasing a product or receiving provided services with a credit card is set. In this system, in response to an ... 07/21/05 - 20050160034 - Convertible debt hedge In various embodiments of the present invention, aggregate transactions and methods for structuring aspects of aggregate transactions are provided. Aggregate transactions are provided that include a convertible debt component structured for issuance to at least one investor by an issuer; a convertible debt hedge is integrated with the convertible debt ... 07/14/05 - 20050154672 - Performance optimized smartcard transaction management Methods and apparatuses are provided for use with smartcards or other like shared computing resources. By selectively granting exclusive use to a requesting entity for a period of time, performance is improved by reducing unnecessary redundant overhead data, communication, storage and/or processing for an applicable series of transactions associated with ... 07/14/05 - 20050154671 - Systems and methods for mitigating identity theft associated with use of credit and debit cards The methods and systems of the present invention addresses the problem of identity theft associated with the use of a credit/debit card. A security code having a predetermined expiration, or equivalently lifetime, is generated. The cardholder is informed that his/her current security code is ready for downloading by sending a ... 07/14/05 - 20050154670 - Systems, methods, and devices for selling transaction accounts Systems and methods are configured to facilitate the distribution of transaction accounts through distributors. An exemplary method includes the steps of: issuing a transaction account to a distributor, receiving information from the distributor via the MICR protocol used by the banking and financial services industries, wherein the information reports the ... 07/07/05 - 20050149437 - Method, system, and storage medium for managing electronic transactions Embodiments of the invention relate to a method, system, and storage medium for providing control over transactions. The method includes prompting a primary user to input financial notification data. The financial notification data is used to define transaction controls associated with a secondary user. The method also includes receiving and ... 07/07/05 - 20050149436 - Financial account management An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined ... 07/07/05 - 20050149435 - Method and system of securing a credit card payment The invention concerns a method of securing credit card transactions between a holder and a merchant, particularly via a telecommunication network, characterized in that it comprises the steps in which: the holder signifies to a third party his intention to enter into contact with the merchant; the holder enters into ... 06/30/05 - 20050144124 - Systems and methods for providing a benefit product with periodic guaranteed minimum income The invention provides systems, and methods of using the systems, implementing a benefit product with a guaranteed minimum income, wherein payment into the benefit product securing the guaranteed minimum income for a payout phase of the benefit product following an accumulation phase of the benefit product. The system comprises an ... 06/30/05 - 20050144123 - Personally customizable credit card accounts Account holders may specify vendor-specific charge restrictions for charging transactions against their accounts, where each vendor-specific charge restriction includes a unique identifier for the corresponding vendor to which the charge restriction is applicable. The charge restriction may be an exclusion from approval of all charge authorization requests, an amount limit ... 06/30/05 - 20050144122 - System for reducing disputes of credit transactions A financial institution calculates a merchant's dispute-to-record-of-charge (ROC) ratio for each merchant involved in a credit transaction processed by the financial institution. Any merchants that have a dispute-to-ROC ratio over an established threshold percentage will be selected for a process to reduce disputed charges. After selection, the financial institution sends ... 06/30/05 - 20050144121 - Transaction system and methodology with inter-party communications capability In a preferred embodiment of the present invention, although not necessarily limited thereto, the system of the present invention may function in the context of an internet based commercial real estate brokering system. In such a system, potential buyers, sellers, lessors and lessees list and respond to offerings having characteristics ... 06/30/05 - 20050144120 - Method for funding non-profit organizations and not-for-profit funds The invention provides a system and method for funding a non-profit organization. The method can include the operation of identifying persons having an interest in a non-profit organization. A further operation can be identifying at least one product and/or service typically acquired by those persons. Another operation is initiating a ... 06/23/05 - 20050137971 - Personally customizable credit card accounts Account holders may specify vendor-specific charge restrictions for charging transactions against their accounts, where each vendor-specific charge restriction includes a unique identifier for the corresponding vendor to which the charge restriction is applicable. The charge restriction may be an exclusion from approval of all charge authorization requests, an amount limit ... 06/23/05 - 20050137970 - Method and apparatus for intercepting purchase data and awarding random purchase rebates in retail stores A method and a system for awarding an instant rebate are provided. The method comprises: determining a price for each item of a purchase of at least one item made by a client; selecting at least one item of the purchase using the nature of the item, the price determined, ... 06/23/05 - 20050137969 - Secure financial transaction gateway and vault A method for securing transaction data of a financial services organization such as a mutual fund is provided. The transaction data is produced in response to orders placed by customers in a transaction creation system of the financial services organization. The transaction data is delivered from the transaction creation system ... 06/16/05 - 20050131816 - Computer-based funds transfer system A computer-based funds transfer service provides functionality for users to send and receive payments via a web-based user interface. In one embodiment, the web-based user interface provides functionality for a first user of the service to generate and submit a payment request for sending money to, or collecting money from, ... 06/16/05 - 20050131815 - Method, system and computer readable medium for web site account and e-commerce management from a central location A method, system and computer readable medium for managing a user online financial transaction at a destination ecommerce web site using a credit or debit card account of the user, including a) transmitting an activation command to a financial institution processing financial transactions for activating the credit or debit card ... 06/16/05 - 20050131814 - 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, to navigate the user UI and invoke one or more functions of the financial service center, and a second component, ... 06/16/05 - 20050131813 - Systems and methods for implementing person-to-person money exchange Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an ... 06/16/05 - 20050131812 - Methods for transferring payment in ev payment and verifications systems The invention is a method for operating an online computer database system for transacting EV payment offers. The system enables a payer to enter a payment offer that specifies the amount of EV payment to be paid to a qualified recipient(s). The system enables a recipient to accept the offer. ... 06/16/05 - 20050131811 - System and method for message handling Systems and methods employable, for example, in the handling of various electronically-dispatched messages, fiber-optic or light based messages, wireless based messages, and/or the like. According to various such systems and methods, in the case where a dispatched message is, for instance, found to be inadequate, undesirable, and/or not wanted or ... 06/16/05 - 20050131810 - Methods and systems for payment of equipment usage Disclosed are methods and systems for converting the fixed cost of capital to a variable expense including structuring an operating lease based on a “unit of manufacturing” depreciation schedule rather than a time based depreciation, allowing charges to the customer on a “per unit” (per test hour, per component, per ... 06/16/05 - 20050131809 - Auction with interest rate bidding A method, apparatus, and system are provided for declining auction with interest rate bidding. According to one embodiment, an interest rate may be set for a transacted financial instrument, and information regarding the financial instrument and an interest rate at which the financial instrument is offered are published via a ... 06/16/05 - 20050131808 - Method for establishing control over credit card transactions A method for controlling credit card transactions includes establishing a transaction supporting banking account, a credit limit, and an active account portion of the banking account. Credit card transactions are limited to the active account through valid requests. Each transaction includes, validating a user credit card prior to the transaction ... 06/16/05 - 20050131807 - Balanced budget update in the presence of rib rules A budgetary control system is described that maintains balance between revenue and expenditure budgets even when the expenditure budgets increase due to “revenues increasing the budget” (RIB) effects. RIB increases to an expenditure budget may be recorded in parallel to a revenue budget. Doing so maintains balance between the two ... 06/16/05 - 20050131806 - Methods and systems for effecting payment card transactions The present invention relates to card payment systems. In particular, the present invention relates to systems and methods for processing payment card transactions in a dynamic currency conversion and/or multi-currency scheme. To operate correctly, ghost transactions are used. However to prevent duplication of debits against the Card Holder, these “ghost ... 06/16/05 - 20050131805 - Software interface, method and computer program product product for linking a business application to a component of a computer-based transaction tax processing system The invention is directed to a software interface for linking a business application to a component of a computer-based transaction tax processing system. The interface enables the exchange of commercial-transaction-related data, providing a mapping of the data between the business application and the component of the computer-based transaction tax processing ... 06/09/05 - 20050125344 - Personal information verification method in electronic-commerce system A method for verifying personal information of a customer based on his telephone number, by using means automatically operated easily and at high-speed in a computer system, during a process in which the customer uses an e-commerce system. In a process in which a member-user terminal (2) and a transaction ... 06/09/05 - 20050125343 - Method and apparatus for monetizing personal consumer profiles by aggregating a plurality of consumer credit card accounts into one card A computer-implemented method of using one of a plurality of existing credit card accounts belonging to a consumer includes providing account data to a single service provider for a plurality of existing credit card accounts belonging to the consumer and providing the consumer with a compilation credit card associated with ... 06/09/05 - 20050125342 - System and method for interactive electronic fund raising and electronic transaction processing A system and methodology for conducting electronic-based transactions. In one aspect, a transaction is conducted using real-time user interaction including recording data representing a specific purpose (or other information) associated with transactions, voice-print authentication of user(s), and/or recording spoken voice of user(s). In another aspect, a system for conducting electronic-based ... 06/09/05 - 20050125341 - Method, system and program for credit risk management utilizing credit exposure Software aggregates and integrates credit exposure data across accounting, trading and operational systems within an energy trading organization. A comprehensive model of exposure to all counterparties, across all of their divisions and subsidiaries, is then assembled, enabling the creation of a hierarchical view of each counterparty that models its real-world ... 06/09/05 - 20050125340 - Automatic dispute resolution A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where ... 06/09/05 - 20050125339 - Systems and methods for assessing the risk of a financial transaction using biometric information Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments by using biometric information obtained from an individual who presents a check or other negotiable instrument in a check-cashing transaction. In various embodiments, the obtained biometric information may be compared with stored ... 06/09/05 - 20050125338 - Systems and methods for assessing the risk of a financial transaction using reconciliation information Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments using positive pay or other reconciliation information about a check presented for cashing. Positive pay information, which may be made available by a check issuer, provides a list of checks that have ... 06/09/05 - 20050125337 - Systems and methods for identifying payor location based on transaction data Systems and methods are described for building, maintaining, and using a repository of information about payors of second-party checks presented at a check-cashing entity for cashing. In various embodiments, the repository comprises stored information useful for determining the location of a payor of a second-party check. In one embodiment, information ... 06/09/05 - 20050125336 - Methods and systems for offering a credit card account to a consumer at a point-of-sale location Systems and methods are disclosed for offering a credit card account to a consumer at a point-of-sale location. The systems and methods may include offering a product to the consumer at the point-of-sale location. In addition, the systems and methods may include offering a credit card account to the consumer ... 06/09/05 - 20050125335 - Methods, data record, software interface, data warehouse module and software application for exchanging transaction-tax-related data The invention is directed to a computer-based method performed in a first transaction-tax-related application. The method comprises exchanging transaction-related data with at least a second transaction-tax-related application according to a standardized transaction-tax interface data model. The invention is also directed to another computer-based method and a related data record, a ... 06/02/05 - 20050119970 - Automatic transaction apparatus In order to make it possible to provide, when a transaction such as, for example, a balance inquiry, a cash transaction such as money deposition or money withdrawal, a transfer, a passbook entry, or an inquiry for details of used money amounts or an available money amount is to be ... 06/02/05 - 20050119969 - Money transfer notification systems and methods A method of transferring funds from a sender to a recipient includes receiving, at a transfer location, a transfer request from the sender. The transfer request includes a notification request to notify the sender when the recipient receives the funds. The method also includes sending the transfer request to a ... 06/02/05 - 20050119968 - Systems and methods for verifying identities in transactions A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to ... ### FreshPatents.com Support - Terms & Conditions |