$\require{mediawiki-texvc}$

연합인증

연합인증 가입 기관의 연구자들은 소속기관의 인증정보(ID와 암호)를 이용해 다른 대학, 연구기관, 서비스 공급자의 다양한 온라인 자원과 연구 데이터를 이용할 수 있습니다.

이는 여행자가 자국에서 발행 받은 여권으로 세계 각국을 자유롭게 여행할 수 있는 것과 같습니다.

연합인증으로 이용이 가능한 서비스는 NTIS, DataON, Edison, Kafe, Webinar 등이 있습니다.

한번의 인증절차만으로 연합인증 가입 서비스에 추가 로그인 없이 이용이 가능합니다.

다만, 연합인증을 위해서는 최초 1회만 인증 절차가 필요합니다. (회원이 아닐 경우 회원 가입이 필요합니다.)

연합인증 절차는 다음과 같습니다.

최초이용시에는
ScienceON에 로그인 → 연합인증 서비스 접속 → 로그인 (본인 확인 또는 회원가입) → 서비스 이용

그 이후에는
ScienceON 로그인 → 연합인증 서비스 접속 → 서비스 이용

연합인증을 활용하시면 KISTI가 제공하는 다양한 서비스를 편리하게 이용하실 수 있습니다.

Automated interactive bill payment system using debit cards

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • H04M-011/00
출원번호 US-0946272 (1997-10-07)
발명자 / 주소
  • Rogers Catherine R.
출원인 / 주소
  • Telepay, Inc.
대리인 / 주소
    Haynes and Boone, L.L.P.
인용정보 피인용 횟수 : 260  인용 특허 : 12

초록

Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present invention provides an interface between a standard touchtone telephone and at least one debit card network

대표청구항

[ What is claimed is:] [1.] A method of paying bills using a telecommunications line connectable to at least one remote payment card network via a payee's agent's system, wherein a caller begins session using a telecommunications line to initiate a spontaneous payment transaction to a payee, the met

이 특허에 인용된 특허 (12)

  1. Rogers Catherine R. (Dallas TX), Automated interactive bill payment system.
  2. Rogers Catherine R., Automated interactive bill payment system using debit cards.
  3. Gorog Jonathan M. (Falls Church VA), Automated order and payment system.
  4. Kalmus Leslie P. (New York NY) Trojan Donald R. (Stamford CT) Mott Bradley (Douglaston NY) Strampfer John (Greenlawn NY), Automated securities trading system.
  5. Grant David J. (Marlborough CT) Vignola ; Sr. Andrew M. (Cheshire CT), Banking/brokerage computer interface system.
  6. Deming Gilbert R. (7853 25th Ave. Kenosha WI 53140), Electronic funds transfer system.
  7. Thomson Eric A. (Newport Beach CA) Josephson Stanley M. (Dallas TX), Financial data processing system.
  8. Champion Robert R. (San Francisco CA) Twist ; Jr. Basil R. (San Francisco CA), Goal-directed financial asset management system.
  9. Lawlor Matthew P. (Washington DC) Carmody Timothy E. (McLean VA), Method and system for remote delivery of retail banking services.
  10. Kight Peter J. (Dublin OH) Johnson Mark A. (Dublin OH) Christenson Tamara K. (Gahanna OH) Lach Regina (Galena OH) Pointer Philip (Columbus OH) Cook Kenneth (Gahanna OH), System and method for electronically providing customer services including payment of bills, financial analysis and loan.
  11. Anderson Milton M. (Fair Haven NJ), System and method for paying bills electronically.
  12. Muehlberger Karl H. (Lakeland FL) Francis Gary W. (Lakeland FL), System and method for processing credit and debit card validity and funds transactions from vending machines and similar.

이 특허를 인용한 특허 (260)

  1. Knott, Benjamin A.; Bushey, Robert R.; Martin, John M.; Joseph, Kurt M., Adaptive voice recognition menu method and system.
  2. Harrison,Keith Alexander, Apparatus for credential authorisation.
  3. Prasad, Bharat; Burks, Rickey Dale; Liang, Minya, Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments.
  4. Voutour, Teddy; Prasad, Bharat, Apparatuses, methods and systems for a video remote deposit capture platform.
  5. Medina, III, Reynaldo; Prasad, Bharat, Apparatuses, methods and systems for remote deposit capture with enhanced image detection.
  6. Medina, Reynaldo; Prasad, Bharat, Apparatuses, methods, and systems for remote deposit capture with enhanced image detection.
  7. Templeton, James E.; Bhargava, Sanjay, Approving the use of the source of funds.
  8. Prasad, Bharat; Pollack, Jeffrey N., Atomic deposit transaction.
  9. Prasad, Bharat; Pollack, Jeffrey N., Atomic deposit transaction.
  10. Loomis, Nancy B.; Kubo, Takayuki, Authentication system for financial transactions.
  11. Templeton, James E.; Bhargava, Sanjay, Authorizing use of a financial instrument.
  12. Slavin, Fred; Baltuch, Eric; Wren, Margaret; Gniewosz, Dennis; Pretlow, III, James P.; Marin, Freddy J., Automated statement presentation, adjustment and payment system and method therefor.
  13. Kaminsky, Ross G.; Angell, Richard A.; Evora, Gordon D., Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services.
  14. Montesano, Anthony; Kaminsky, Ross G.; Angell, Richard A.; Evora, Gordon D., Automated trading exchange system having integrated quote risk monitoring and integrated quote modification services.
  15. Ethington, Seth E.; Kay, Aaron; Newman, Adam S.; Lu, Lawrence; Patterson, Dylan, Automatic remote deposit image preparation apparatuses, methods and systems.
  16. Creamer,Thomas E.; Jaiswal,Peeyush; Moore,Victor S.; Winters,Scott, Bill payment service.
  17. Miller, Harold; Toghill, Julian Mark; Pham, Tuan, Billing workflow system for crediting charges to entities creating derivatives exposure.
  18. Miller, Harold; Toghill, Julian Mark; Pham, Tuan, Billing workflow system for crediting charges to entities creating derivatives exposure.
  19. Newman, Adam S., Character count determination for a digital image.
  20. Newman, Adam S., Character count determination for a digital image.
  21. Newman, Adam S., Character count determination for a digital image.
  22. Shigemi,Kazuhiko; Hasebe,Shinobu; Nishio,Miwa; Seshimo,Hiroya; Hatanaka,Hiroyuki, Charge collecting system and program for controlling the same.
  23. Stanley, Jennifer; Koenigsberg, Alan S.; Sandoval, Hector E., Coupon payment system.
  24. Barron,Lydia; Alexion,Mary; Zamalin,Marina; Jahan,Shah; Berman,Michael E.; Ibikunle,Olutayo, Customer information management system and method.
  25. Oakes, III, Charles Lee; Morlen, Randy Ray; Morris, Michael Frank; Medina, III, Reynaldo Bartlette; Harpel, Greg Alan; Gavia, Gabriel Glenn; Prasad, Bharat; Major, Frank Kyle; Pollack, Jeffrey Neal, Digital camera processing system.
  26. Budde, William; Miranda, Giancarlo; Nolan, Joseph Bradley, Drive-up financial transaction machine.
  27. Budde, William; Miranda, Giancarlo; Nolan, Joseph Bradley, Drive-up financial transaction machine.
  28. Medina, III, Reynaldo, Duplicate check detection.
  29. Medina, III, Reynaldo, Duplicate check detection.
  30. Ganesan, Rayi, Dynamic biller list generation.
  31. Vicknair, Tom; Beard, Sam; Norman, Richard; Riggleman, Mark; Roycroft, Max; Feagin, Dick; Day, Cliff; Fielding, Paul, Electronic check presentment system and method having an item sequence capability.
  32. Dunn, John P.; Ledford, Stephen; Jackson, Steve H.; Wood, Albert G., Electronic payment clearing and check image exchange systems and methods.
  33. Dunn, John P.; Ledford, Stephen; Jackson, Steve H.; Wood, Albert G., Electronic payment clearing and check image exchange systems and methods.
  34. Sethi, Vincent, Electronic vouchers and a system and method for issuing the same.
  35. Foss, Jr.,Sheldon H., Family stored value card program.
  36. Budde, William; Nolan, Joseph Bradley, Financial transaction machine.
  37. Pollack, Jeff; Morris, Michael Frank; Prasad, Bharat; Major, Frank Kyle; Brady, John Weatherman; Mawyer, Jr., Ralph Paige; Reynolds, Clint James; Shah, Kairav Mahesh, Image processing.
  38. Knight, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  39. Knight, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  40. Night, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  41. Price, Joanne; Mathur, Sumit; Mao, Paul, Lockbox imaging system.
  42. Price, Joanne; Mathur, Sumit; Mao, Paul, Lockbox imaging system.
  43. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  44. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  45. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  46. Brown, Michael W.; McIntyre, Joseph H.; Paolini, Michael A.; Weaver, James M.; Winters, Scott L., Logging calls according to call context.
  47. Green, Antonio; Paden, Jonathan; Sams, Bobby, Method and apparatus for automated billing and crediting of customer accounts.
  48. Banaugh, Michelle; Fry, Peggy J.; Potter, David; Wood, George Luis, Method and apparatus for integrated payments processing and decisioning for internet transactions.
  49. Banaugh,Michelle; Fry,Peggy J.; Potter,David; Wood,George Luis, Method and apparatus for integrated payments processing and decisioning for internet transactions.
  50. Green, Antonio; Paden, Jonathan; Sams, Bobby, Method and apparatus for issuing a credit.
  51. Barton, Thomas C.; Paulson, Jr., Harold, Method and system for automating fraud authorization strategies.
  52. Barton, Thomas C.; Paulson, Jr., Harold, Method and system for automating fraud authorization strategies.
  53. Lam, Duc; Wyman, Celeste; McRae, Xuan, Method and system for buyer centric dispute resolution in electronic payment system.
  54. Lam,Duc; Wyman,Celeste; McRae,Xuan (Sunny), Method and system for buyer centric dispute resolution in electronic payment system.
  55. Vaux, Jonathan; Triplett, Brian; Dreyer, Michael; Yeakle, Loraine Martin; Duncan, Alistair; Fernandes, Paulo, Method and system for conducting a commercial transaction between a buyer and a seller.
  56. Fredman, Marc Lawrence, Method and system for credit card reimbursements for health care transactions.
  57. Fredman,Marc Lawrence, Method and system for credit card reimbursements for health care transactions.
  58. Barton, Thomas C.; Kumar, Sandhya; Mehta, Charu; Paulson, Jr., Harold; Vaidyanathan, Geetha; Wu, Jiun-Ming, Method and system for detecting, monitoring and addressing data compromises.
  59. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  60. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  61. Hoch, Robert; Ibikunle, Tayo; Kamin, Ehud; Liberis, William A.; Nowicki, Tomasz J.; Reilly, Michael J.; Sachar, Howard E.; Tresser, Charles P.; Walach, Eugene, Method and system for discovering significant subsets in collection of documents.
  62. Hoch,Robert; Ibikunle,Tayo; Karnin,Ehud; Liberis,William A.; Nowicki,Tomasz J.; Reilly,Micheal J.; Sachar,Howard E.; Tresser,Charles P.; Walach,Eugene, Method and system for discovering significant subsets in collection of documents.
  63. Anderson, Milton M., Method and system for duplicate check detection.
  64. Anderson, Milton M., Method and system for duplicate check detection.
  65. Anderson, Milton M.; Scriven, Dieter, Method and system for duplicate detection.
  66. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  67. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  68. Sheehan, Mark; Acharya, Ravi, Method and system for expediting payment delivery.
  69. Sheehan, Mark; Acharya, Ravi, Method and system for expediting payment delivery.
  70. Ibikunle, Tayo; Karnin, Ehud; Liberis, William A.; Nowicki, Tomasz J.; Reilly, Michael J.; Sachar, Howard E.; Tresser, Charles P.; Walach, Eugene; Weeshoff, David A., Method and system for extracting information from documents by document segregation.
  71. Norman, Richard; Vicknair, Tommy J.; Shishmanian, Carl; Stephens, Jr., John Spence; Jennings, W. Earl; James, David L., Method and system for facilitating network transaction processing.
  72. Norman, Richard; Vicknair, Tommy J.; Shishmanian, Carl; Stephens, Jr., John Spence; Jennings, W. Earl; James, David L., Method and system for facilitating network transaction processing.
  73. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
  74. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
  75. Antoo, Nizam; Britt, Chris, Method and system for loading and reloading portable consumer devices.
  76. Antoo, Nizam; Britt, Chris, Method and system for loading and reloading portable consumer devices.
  77. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
  78. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
  79. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
  80. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
  81. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
  82. Fogliano, Frank J.; Gniewosz, Dennis J.; Trupia, Paul Gerard; Striano, Riccardo M., Method and system for processing recurring payments.
  83. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing assurance and financing services.
  84. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing buyer bank payable discounting aggregation services.
  85. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing buyer bank payable discounting services.
  86. Freund, Peter C., Method and system for providing electronic bill payment and presentment.
  87. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing seller bank receivable discounting aggregation services.
  88. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  89. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method for processing internet point of sale payment using automated teller machine switch settlement.
  90. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method for processing internet point of sale payment using automated teller machine switch settlement.
  91. Hogl, Christian; Gundel, Josef, Method for transmitting a code.
  92. Hogl, Christian; Gundel, Josef, Method for transmitting a code.
  93. Hogl, Christian; Gundel, Josef, Method for transmitting a code.
  94. Everhart,Glenn C., Method/system for preventing identity theft or misuse by restricting access.
  95. McRae, Xuan; Lam, Duc; Roland, Matthew, Methods and systems for discounts management.
  96. deGroeve, Bernard; Petroons, Jan; Hanan, Christopher C.; Bailey, A. Graham; Gupta, Shreyas D.; Mellyn, Kevin Lawrence; Saal, Matthew; Alexander, Morio; Mondschein, Craig, Methods for electronic multiparty accounts receivable and accounts payable systems.
  97. Mann, II,William Frederick; Hirka,Jeffrey L., Methods for providing cardless payment.
  98. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  99. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  100. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  101. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  102. Bleunven, Daniel; Karotsch, Eliane; Dalban, Christian; Miller, Andrew D J, Network-based sub-allocation systems and methods for swaps.
  103. Bleunven, Daniel; Karotsch, Eliane; Dalban, Christian; Miller, Andrew D J, Network-based sub-allocation systems and methods for swaps.
  104. Brown,Michael Wayne; McIntyre,Joseph Herbert; Paolini,Michael A.; Weaver,James Mark; Winters,Scott Lee, Originating a billed transaction for an origin telephony device.
  105. Thomas, George F.; Wood, Albert G.; Pawelczyk, Joseph S.; Friedman, Kenneth H.; Palmese, Paul, Payment identification code and payment system using the same.
  106. Rielly, William S.; Erlich, Leslie D.; Acharya, Ravi; Goldman, Dmitry, Personalized bank teller machine.
  107. Reid, William; Lynch, Keiron G.; Swackhammer, Craig; Novak, M. Kathrina; Martinez, L. Ted; Bryant, John M., Pre-funding system and method.
  108. Reid, William; Lynch, Keiron G.; Swackhammer, Craig; Novak, M. Kathrina; Martinez, L. Ted; Bryant, John M., Pre-funding system and method.
  109. Magnotta,Michael Joseph; Newland,Derron Keith; Perkins, III,Frank Clifford; DiFonzo,Joseph, Prepaid reservation-based rating system.
  110. Rau, Scott W.; Knackstedt, Lee, Processing transactions using a register portion to track transactions.
  111. Ethington, Seth; Prasad, Bharat, Remote deposit image inspection apparatuses, methods and systems.
  112. Krueger, Scott; Goodman, Daniel, Secure networked transaction system.
  113. Krueger, Scott; Goodman, Daniel, Secure networked transaction system.
  114. Krueger, Scott; Goodman, Daniel, Secure networked transaction system.
  115. Jemella, Donald F.; Montevago, Franca; Mannino, John J; Mirabella, Loretta, Service charge adjustment platform.
  116. Kaza, Shrinivas K.; McRae, Xuan (Sunny) N.; Subramani, Dillip K.; Roland, Matthew Grant; Lopin, Pavel; Mueller, Georg, System and method for automatically enrolling buyers into a network.
  117. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  118. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  119. Alarcon-Luther, Melissa; Fellner, Debra C.; Sabloff, Barry M.; Schell, III, Frank Charles; Mesrobian, Peter Mark; Griffin, Ginger; Dorion, Michelle; Karris, Gus, System and method for currency selectable stored value instrument.
  120. Simon,Scott H.; Woodall,Nancy W.; Nikithser,Michael F.; Forst,Jon K.; Shields,Gregory, System and method for determining eligibility and enrolling members in various programs.
  121. Foss, Jr., Sheldon H.; James, Jr., Dennis H., System and method for dynamically managing a financial account.
  122. Lam, Duc; Roland, Matthew; McRae, Xuan (Sunny), System and method for electronic authorization of batch checks.
  123. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  124. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
  125. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
  126. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
  127. Arnold, Brian L.; Simpson, Paul H.; Fitzgerald, Thomas Steven; Lo, Pik Kwan; Wilson, James K.; Brockwell, John C.; Quinn, Michael F., System and method for enhancing supply chain transactions.
  128. Warren, Mary Carter; Fredman, Marc L.; Hoechst, Kimberly L.; Filak, Douglas A.; Steckart, James C.; Blossom, George W.; Jacobs, Ron E.; Barrett, Donna M.; Schmitt, Donald H.; Strock, Bradley R.; Witsil, Kathleen H.; Ehemann, Karen R.; Dowidchuck, Katrina, System and method for establishing or modifying an account with user selectable terms.
  129. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  130. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  131. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  132. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interface.
  133. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interfaces.
  134. Mount, Cheryl; Pradhan, Akshay; Tucker, Sheryl F.; Garvey, Danielle O.; Barry, Dennis C.; Goodwin, Brenda; Radvanyi, Tammy; O'Brien, Linda M., System and method for generating magnetic ink character recognition (MICR) testing documents.
  135. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  136. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  137. Rosko, Robert J., System and method for implementing a consolidated application process.
  138. Rosko, Robert J., System and method for implementing a consolidated application process.
  139. Rosko, Robert J., System and method for implementing a consolidated application process.
  140. Pletz, Tracy; Callahan, William T., System and method for integrated customer management.
  141. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  142. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  143. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  144. Hirka, Jeffrey L.; Fox, Steven J., System and method for linked account having sweep feature.
  145. Brenner, Margaret S.; Proud, Scott C., System and method for management and delivery of content and rules.
  146. Brenner, Margaret S.; Proud, Scott C., System and method for management and delivery of content and rules.
  147. Beard, Mark L, System and method for measuring and utilizing pooling analytics.
  148. Beard, Mark L., System and method for measuring and utilizing pooling analytics.
  149. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, System and method for mobile check deposit.
  150. Jou, Brian; Adler, Lynn A.; Bing, Robert L.; Boyle, James M.; Briody, Clare K.; Emery, Ian K.; Moran, Brian A.; Mascio, Kenneth, System and method for multicurrency and multibank processing over a non-secure network.
  151. Scott, Kelly W., System and method for network-based project management.
  152. Scott,Kelly W., System and method for network-based project management.
  153. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  154. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
  155. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan (Sunny), System and method for payer (buyer) defined electronic invoice exchange.
  156. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  157. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  158. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  159. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  160. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing mircotransactions.
  161. Pletz, Tracy; Rochford, Joseph, System and method for processing qualified healthcare account related financial transactions.
  162. Sorem, Steve, System and method for processing transactions.
  163. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  164. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  165. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  166. Hora,Rajesh; Dommer,Lisa Marie, System and method for providing automated database assistance to financial service operators.
  167. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  168. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  169. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  170. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  171. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  172. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  173. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  174. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  175. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  176. Bowers,Theodore J.; Ilijasic,Dean; Sanders,Shelley F., System and method for providing discriminated content to network users.
  177. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  178. Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
  179. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  180. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  181. Templeton, James E.; Bhargava, Sanjay, System and method for reducing RIKS associated with accepting a financial instrument.
  182. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  183. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  184. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  185. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  186. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  187. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  188. Siegel, Rebecca Lynn; Finocchiaro, Jeffrey David; Herberger, William Fredrick, System and method for supervising account management operations.
  189. Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
  190. Rau, Scott W.; Bertetti, Scott Philip; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  191. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  192. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  193. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  194. Templeton,James E.; Bhargava,Sanjay, System and method for verifying a financial instrument.
  195. Everhart, Glenn C., System and method providing improved error detection related to transmission of data over a communication link.
  196. Freund, Peter C., System and process for performing purchase transactions using tokens.
  197. Mann, III,William Frederick; Hirka,Jeffrey L., System for providing cardless payment.
  198. Mollett, Cassandra J.; Schmutz-Nugent, Melanie; McGuire, Judith, System for utilizing a single card to provide multiple services in an open network environment.
  199. Tramontano, Robert J., System of automated teller machines.
  200. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
  201. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
  202. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
  203. Medina, III, Reynaldo, Systems and methods for adaptive binarization of an image.
  204. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  205. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  206. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  207. Prasad, Bharat; Liang, Minya; Medina, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  208. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  209. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  210. Hildebrand, Marc W, Systems and methods for automatic bill pay enrollment.
  211. Anderson, Russell Wayne, Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data.
  212. Walls, Carol Ann; Gavia, Gabriel Glenn, Systems and methods for displaying negotiable instruments derived from various sources.
  213. Oakes, III, Charles Lee; Morris, Michael Frank; Prasad, Bharat; Medina, III, Reynaldo, Systems and methods for financial deposits by electronic message.
  214. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image and criterion monitoring during mobile deposit.
  215. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image monitoring of check during mobile deposit.
  216. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image monitoring of check during mobile deposit.
  217. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image monitoring of check during mobile deposit.
  218. Pollack, Jeff; Morris, Michael Frank; Prasad, Bharat; Major, Frank Kyle; Brady, John Weatherman; Mawyer, Jr., Ralph Paige; Reynolds, Clint James; Shah, Kairav Mahesh, Systems and methods for obtaining an image of a check to be deposited.
  219. Pollack, Jeff; Morris, Michael Frank; Prasad, Bharat; Major, Frank Kyle; Brady, John Weatherman; Mawyer, Jr., Ralph Paige; Reynolds, Clint James; Shah, Kairav Mahesh, Systems and methods for obtaining an image of a check to be deposited.
  220. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.
  221. Harpel, Greg Alan; Nuggehalli, R. Bharat Prasad; Morris, Michael Frank, Systems and methods for real-time validation of check image quality.
  222. Harpel, Greg Alan; Nuggehalli, R. Bharat Prasad; Morris, Michael Frank, Systems and methods for real-time validation of check image quality.
  223. Medina, III, Reynaldo; Prater, Matthew Wayne, Systems and methods for receiving and orienting an image of one or more checks.
  224. Oakes, III, Charles Lee; Morlen, Randy Ray; Morris, Michael Frank; Medina, III, Reynaldo; Harpel, Greg Alan; Gavia, Gabriel Glenn; Nuggehalli, R. Bharat Prasad; Major, Frank Kyle; Pollack, Jeffrey Neal, Systems and methods for remote deposit of checks.
  225. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Harpel, Greg Alan; Morris, Michael Frank, Systems and methods for remote deposit of checks.
  226. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Harpel, Greg Alan; Morris, Michael Frank, Systems and methods for remote deposit of checks.
  227. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Huth, Troy, Systems and methods for remote deposit of checks.
  228. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  229. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  230. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  231. Medina, Reynaldo, Systems and methods for remote deposit of negotiable instrument using brightness correction.
  232. Walls, Carol Ann; Gavia, Gabriel Glenn, Systems and methods for remote deposit of negotiable instruments with non-payee institutions.
  233. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  234. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  235. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat; Walls, Carol Ann; Gavia, Gabriel Glenn; Medina, III, Reynaldo, Systems and methods for verification of remotely deposited checks.
  236. Medina, III, Reynaldo, Systems and methods of check detection.
  237. Medina, Reynaldo, Systems and methods of check detection.
  238. Bueche, Jr., Michael Patrick, Systems and methods of check re-presentment deterrent.
  239. Smith, Arthur Quentin; Hopkins, III, John Chandler; Medina, III, Reynaldo; Billman, Bradly Jay, Systems and methods to modify a negotiable instrument.
  240. Smith, Arthur Quentin; Hopkins, III, John Chandler; Medina, III, Reynaldo; Billman, Bradly Jay, Systems and methods to modify a negotiable instrument.
  241. Burks, Rickey Dale; Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Morris, Michael Frank; Hua, Xia, Systems and methods to use a digital camera to remotely deposit a negotiable instrument.
  242. Burks, Rickey Dale; Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Morris, Michael Frank; Hua, Xia, Systems and methods to use a digital camera to remotely deposit a negotiable instrument.
  243. Prasad, Bharat; Medina, III, Reynaldo, Systems, methods and apparatus for receiving images of one or more checks.
  244. Prasad, Bharat; Medina, III, Reynaldo, Systems, methods, and apparatus for receiving images of one or more checks.
  245. Thomas, Richard H.; Castinado, Joseph B., Token-based routing for in-network authorization.
  246. Thomas, Richard H.; Castinado, Joseph B., Token-based routing for out-of-network authorization.
  247. Thomas, Richard H.; Castinado, Joseph B., Tokenization for network authorization routing.
  248. Loy, John J., Trade receivable processing method and apparatus.
  249. Loy, John J., Trade receivable processing method and apparatus.
  250. Loy, John J., Trade receivable processing method and apparatus.
  251. Loy,John J., Trade receivable processing method and apparatus.
  252. Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
  253. Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
  254. Zimmerman Fred ; Severson Verne, Unattended POS system for automatic control of bank system rejections.
  255. DeLoach, John Mark, Universal payment protection.
  256. DeLoach, John Mark, Universal payment protection.
  257. DeLoach, John Mark, Universal payment protection.
  258. Templeton, James E., Verifying the source of electronically exchanged value.
  259. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Virtual private lock box.
  260. Hankins, Matthew; Mann, III, William; Dickelman, Mark, Waterfall prioritized payment processing.
섹션별 컨텐츠 바로가기

AI-Helper ※ AI-Helper는 오픈소스 모델을 사용합니다.

AI-Helper 아이콘
AI-Helper
안녕하세요, AI-Helper입니다. 좌측 "선택된 텍스트"에서 텍스트를 선택하여 요약, 번역, 용어설명을 실행하세요.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.

선택된 텍스트