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Targeting advertising in a home retail banking delivery service

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/00
  • G06F-017/60
  • G06K-005/00
출원번호 US-0469354 (1995-06-06)
우선권정보 EP-0901390 (1990-12-10)
발명자 / 주소
  • Lawlor Matthew P.
  • Carmody Timothy E.
출원인 / 주소
  • Online Resources & Communications Corporation
대리인 / 주소
    Nixon & Vanderhye P.C.
인용정보 피인용 횟수 : 527  인용 특허 : 166

초록

A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line display, keys "pointing to" lines on the display, and additional keys. Contact is establish

대표청구항

[ What is claimed is:] [1.] A method of distributing advertising information remotely to users comprising the following steps:providing an arrangement to said users that enables the users to access home banking services from user terminals;communicating with said user terminals on demand using a cen

이 특허에 인용된 특허 (166)

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  164. Boothroyd William A. (San Jose CA) Sorensen Boyd W. (San Jose CA), Transaction terminal with unlimited range of functions.
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  1. Miranda, Giancarlo, ATM privacy system and method.
  2. De Leo, Stephen Lebro; Rosenzweig, Michael J.; Kirschner, Hope L., ATM video advertising.
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  6. Hoffberg,Linda Irene; Hoffberg,Steven M., Adaptive pattern recognition based controller apparatus and method and human-factored interface therefore.
  7. Hoffberg, Steven M.; Hoffberg-Borghesani, Linda I., Adaptive pattern recognition based controller apparatus and method and human-interface therefore.
  8. Donoho, David Leigh; Hindawi, David Salim; Lippincott, Lisa Ellen, Advice provided for offering highly targeted advice without compromising individual privacy.
  9. Donoho,David Leigh; Hindawi,David Salim; Lippincott,Lisa Ellen, Advice provided for offering highly targeted advice without compromising individual privacy.
  10. Hoffberg, Steven M.; Hoffberg-Borghesani, Linda I., Alarm system controller and a method for controlling an alarm system.
  11. Rowe, Tiffany; Hayes, Sean; Dolan, Patrick, Announcing a domain name registration on a social website.
  12. Hodgson, Robert B.; Hargens, Harry, Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet.
  13. Prasad, Bharat; Burks, Rickey Dale; Liang, Minya, Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments.
  14. Voutour, Teddy; Prasad, Bharat, Apparatuses, methods and systems for a video remote deposit capture platform.
  15. Medina, III, Reynaldo; Prasad, Bharat, Apparatuses, methods and systems for remote deposit capture with enhanced image detection.
  16. Medina, Reynaldo; Prasad, Bharat, Apparatuses, methods, and systems for remote deposit capture with enhanced image detection.
  17. Drummond, Jay Paul; Blackson, Dale H.; Smith, Mark D., Application service provider and automated transaction machine system and method.
  18. Drummond,Jay Paul; Blackson,Dale A.; Smith,Mark D., Application service provider and automated transaction machine system and method.
  19. Prasad, Bharat; Pollack, Jeffrey N., Atomic deposit transaction.
  20. Prasad, Bharat; Pollack, Jeffrey N., Atomic deposit transaction.
  21. Covert Mark S. ; Drummond Jay Paul ; Blackson Dale ; Cichon Bob A. ; Ess Joseph C. ; Moales Mark A. ; Weis David W. ; Smith Mark D. ; Church James, Automated banking machine and system.
  22. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob; Ess, Joseph C.; Covert, Mark S.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine and system.
  23. Drummond,Jay Paul; Blackson,Dale; Cichon,Bob A.; Ess,Joseph C.; Moales,Mark A.; Weis,David W.; Smith,Mark D.; Church,James, Automated banking machine and system.
  24. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Covert, Mark S.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Richards, Bruce G.; Church, James, Automated banking machine apparatus and system.
  25. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine apparatus and system.
  26. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine apparatus and system.
  27. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine apparatus and system.
  28. Drummond,Jay Paul; Blackson,Dale; Cichon,Bob A.; Ess,Joseph C.; Moales,Mark A.; Weis,David W.; Smith,Mark D.; Church,James, Automated banking machine apparatus and system.
  29. Jay Paul Drummond ; Dale Blackson ; Bob A. Cichon ; Joseph C. Ess ; Mark A. Moales ; David W. Weis ; Mark D. Smith ; James Church, Automated banking machine apparatus and system.
  30. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Covert, Mark S.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine system using internet address customer input.
  31. Drummond,Jay Paul; Blackson,Dale H.; Cichon,Bob A.; Ess,Joseph C.; Covert,Mark S.; Moales,Mark A.; Weiss,David W.; Smith,Mark D.; Church,James, Automated banking machine system using internet address customer input.
  32. Richards, Bruce G.; Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine system using plural communication formats.
  33. Richards, Bruce G.; Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine system using plural communication formats.
  34. Couper, Denise; Somers, Jr., Charles H.; Drummond, Jay Paul; Smith, Mark D.; Putman, Harold V., Automated banking machine that operates responsive to data bearing records.
  35. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Automated banking machine with record accessibility pre-check.
  36. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing machine and method.
  37. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing system.
  38. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing system.
  39. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing system.
  40. Barcelou, David M., Automated transaction machine.
  41. Barcelou, David M., Automated transaction machine.
  42. Barcelou, David M., Automated transaction machine.
  43. Barcelou, David M., Automated transaction machine.
  44. Barcelou, David M., Automated transaction machine.
  45. Barcelou, David M., Automated transaction machine.
  46. Barcelou, David M., Automated transaction machine.
  47. Barcelou, David M., Automated transaction machine.
  48. Barcelou, David M., Automated transaction machine.
  49. Barcelou, David M., Automated transaction machine.
  50. Barcelou, David M., Automated transaction machine.
  51. Barcelou, David M., Automated transaction machine.
  52. Barcelou, David M., Automated transaction machine.
  53. Barcelou, David M., Automated transaction machine.
  54. Barcelou, David M., Automated transaction machine.
  55. Barcelou, David M., Automated transaction machine.
  56. Barcelou, David M., Automated transaction machine.
  57. Barcelou, David M., Automated transaction machine.
  58. Barcelou, David M., Automated transaction machine.
  59. Barcelou, David M., Automated transaction machine.
  60. Barcelou, David M., Automated transaction machine.
  61. Barcelou, David M., Automated transaction machine.
  62. Barcelou, David M., Automated transaction machine.
  63. Ramachandran, Natarajan; Owens, Mark; Smith, Mark D.; Haney, Sean; Junkins, Andrew; Force, Matthew; Graef, H. Thomas; Herrera, Elizabeth M.; Miller, Robert G.; Mleziva, Roy; Hill, Jeffrey A., Automated transaction machine.
  64. Ethington, Seth E.; Kay, Aaron; Newman, Adam S.; Lu, Lawrence; Patterson, Dylan, Automatic remote deposit image preparation apparatuses, methods and systems.
  65. Ramachandran, Natarajan; Owens, Mark; Smith, Mark D.; Haney, Sean; Junkins, Andrew; Force, Matthew; Graef, H. Thomas; Herrera, Elizabeth M.; Miller, Robert G.; Mleziva, Roy; Hill, Jeffrey A., Banking transaction machine that operates responsive to data bearing records.
  66. Bhatt, Anish; Kimble, Charles, Bill payment using direct funds transfer.
  67. Weisman, Jeffrey S.; Sharma, Dushyant; Chirala, Murali; Myklebust, Hans E.; Watry, John L., Business combined bill management system and method.
  68. Symonds, Robert D.; Singer, Irek; St. George, Peter; Gill, Robert Bradley, Card activated automated teller machine and method.
  69. Panthaki, Behram; Rudenstine, Aaron; Sokolic, Jeremy; Sunderji, Amir; Dheer, Sanjeev; Platt, Neil; Papademetriou, Demetris, Centralized payment method and system for online and offline transactions.
  70. Newman, Adam S., Character count determination for a digital image.
  71. Newman, Adam S., Character count determination for a digital image.
  72. Newman, Adam S., Character count determination for a digital image.
  73. Katz, Ronald A., Commercial product routing system with video vending capability.
  74. Katz, Ronald A., Commercial product routing system with video vending capability.
  75. Katz, Ronald A., Commercial product routing system with video vending capability.
  76. Katz, Ronald A., Commercial product routing system with video vending capability.
  77. Katz, Ronald A., Commercial product routing system with video vending capability.
  78. Katz, Ronald A., Commercial product routing system with video vending capability.
  79. Katz, Ronald A., Commercial product routing system with video vending capability.
  80. Katz, Ronald A., Commercial product telephonic routing system with mobile wireless and video vending capability.
  81. Labuda, David S.; Krishnamoorthy, Jayaprakash, Committing events where transaction threads have read-only access to shared memory.
  82. Takatori, Sunao; Kiyomatsu, Hisanori, Communication terminal device and billing device.
  83. Contractor,Sunil H., Completion of internet session notification service.
  84. Dent Warren T. ; Kaethler Judy ; Remington Darren B. ; Saliba Bassam, Consumer-based system and method for managing and paying electronic billing statements.
  85. Dent, Warren T.; Kaethler, Judy; Remington, Darren B.; Saliba, Bassam A., Consumer-based system and method for managing and paying electronic billing statements.
  86. Dent, Warren T.; Kaethler, Judy; Remington, Darren B.; Saliba, Bassam A., Consumer-based system and method for managing and paying electronic billing statements.
  87. Brake, Jr., Francis B.; Schwartz, Deborah; Zimmerman, Jennifer, Customer activated multi-value (CAM) card.
  88. Brake, Jr.,Francis B.; Schwartz,Deborah; Zimmerman,Jennifer, Customer activated multi-value (CAM) card.
  89. Barron,Lydia; Alexion,Mary; Zamalin,Marina; Jahan,Shah; Berman,Michael E.; Ibikunle,Olutayo, Customer information management system and method.
  90. Rechterman, Barbara J.; Proctor, Neil; Fitzpatrick, Shawn; Bennett, Bill, Customize a user interface of a web page using an expertise level rules engine.
  91. Rechterman, Barbara J.; Proctor, Neil; Fitzpatrick, Shawn; Bennett, Bill, Customize an email using an expertise level rules engine.
  92. Zeanah, James; Abbott, Charles; Boyd, Nik; Cohen, Albert; Cook, James; Grandcolas, Michael; Lan, Sikun; Lindsley, Bonnie; Markarian, Grigor; Moss, Leslie, Delivering financial services to remote devices.
  93. Zeanah, James; Abbott, Charles; Boyd, Nik; Cohen, Albert; Cook, James; Grandcolas, Michael; Lan, Sikun; Lindsley, Bonnie; Markarian, Grigor; Moss, Leslie, Delivering financial services to remote devices.
  94. Costello Jan M., Device and method for obtaining retail price information in different languages from a computer via telephone.
  95. 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.
  96. Strunk, David D.; Kephart, Aaron D., Display apparatus.
  97. Strunk, David D.; Kephart, Aaron D., Display apparatus.
  98. Strunk, David D.; Kephart, Aaron D., Display apparatus.
  99. Strunk, David D.; Kephart, Aaron D., Display apparatus.
  100. Strunk, David D.; Kephart, Aaron D., Display apparatus.
  101. Paulin, Alan; Westen, Peter; Welch, Shawn; Federman, Daniel; Gershunovsky, Michael; Omojola, Ayokunle, Display screen with graphical user interface for a mobile device.
  102. Stewart, Brett B.; Thompson, James; McClelland, Kathleen E., Distributed network communication system to provide wireless access to a computing device at a reduced rate.
  103. Shankar,Ravi; Labuda,David S., Distributed nonstop architecture for an event processing system.
  104. Medina, III, Reynaldo, Duplicate check detection.
  105. Medina, III, Reynaldo, Duplicate check detection.
  106. Stewart, Brett B., Dynamically modifying the display of a computing device to provide advertisements.
  107. John E. Boyd, Electronic advertising device and method of using the same.
  108. James J. Hilt ; Ron Hodges ; Stephen W. Pardue ; William L. Powar, Electronic bill pay system for consumers to generate messages directing financial institutions to pay a biller's bill.
  109. Braco, Ronald A., Electronic bill presentment and payment system.
  110. Remington,Darren B.; Dent,Warren T., Electronic bill presentment and payment system.
  111. Remington,Darren B.; Dent,Warren T., Electronic bill presentment and payment system.
  112. Vasavada,Dhaval; Kosowski,Alex; Jamison,Eric, Electronic bill presentment and payment system that obtains user bill information from biller web sites.
  113. Remington, Darren B.; Dent, Warren T., Electronic bill presentment and payment system with bill dispute capabilities.
  114. Dunn, John P.; Ledford, Stephen; Jackson, Steve H.; Wood, Albert G., Electronic payment clearing and check image exchange systems and methods.
  115. Dunn, John P.; Ledford, Stephen; Jackson, Steve H.; Wood, Albert G., Electronic payment clearing and check image exchange systems and methods.
  116. Sethi, Vincent, Electronic vouchers and a system and method for issuing the same.
  117. Boyd, Sabrena; Nikolaou, Ioanis; Brandt, Jessica; Ashfield, James; Choy, Karen; Miller, Eric; Sumlin, Carrie; Castor, Tanja, Enrollment into an online banking system.
  118. Steven M. Hoffberg ; Linda I. Hoffberg-Borghesani, Ergonomic man-machine interface incorporating adaptive pattern recognition based control system.
  119. Bowman, Mark Edward; Harris, Mark T.; Lewter, Sherry Pleasant; Kell, John Alexander, Facilitating presentation of content relating to a financial transaction.
  120. Bowman, Mark Edward; Harris, Mark T.; Sondergaard, Sherry Pleasant; Kell, John Alexander, Facilitating presentation of content relating to a financial transaction.
  121. Foss, Jr.,Sheldon H., Family stored value card program.
  122. Tokuyama Hiroko,JPX, File distribution system and method thereof.
  123. Rachie, David-Elias, Financial instruments and methods of use.
  124. Krishnamoorthy, Jayaprakash; Guionnet, Jerome; Rockel, Alexander, Gateway for achieving low latency and high availability in a real time event processing system.
  125. Gonsalves,Robert; Laird,Michael, Graphical user interface for color correction.
  126. 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.
  127. LeGraw, G. Stephen, Information trading system and method.
  128. Chakiris, Philip M.; Smith, Merrill Brooks; Graves, Phillip Craig, Inserting value into customer account at point of sale using a customer account identifier.
  129. Chakiris, Philip M.; Smith, Merrill Brooks; Graves, Phillip Craig, Inserting value into customer account at point of sale using a customer account identifier.
  130. Chakiris, Philip M.; Smith, Merrill Brooks; Graves, Phillip Craig, Inserting value into customer account at point of sale using a customer account identifier.
  131. Donoho David Leigh ; Hindawi David Salim ; Lippincott Lisa Ellen, Inspector for computed relevance messaging.
  132. Myklebust, Hans E.; Sharma, Dushyant; Patneaude, Timothy J.; Kaminski, Michael J.; Watry, John L.; Chirala, Murali; Srinivasan, Shankar, Integrated bill presentment and payment system and method of operating the same.
  133. Hoffberg, Steven Mark, Intelligent electronic appliance system and method.
  134. Kight, Peter; Ganesan, Ravi; Lewis, Matt; Hobday, Jr., D. Kenneth; Dreyer, Hans Daniel, Inter-network electronic billing.
  135. Kight, Peter; Ganesan, Ravi; Lewis, Matt; Hobday, Jr., D. Kenneth; Dreyer, Hans Daniel, Inter-network financial service.
  136. Kight, Peter; Ganesan, Ravi; Lewis, Matthew Sheridan; Hobday, Jr., Donald Kenneth; Dreyer, Hans Daniel, Inter-network financial service.
  137. Golden, Steven M.; Levin, Hillel; Anderson, Bradley A.; Gentry, Gary D.; Barbour, James A.; Schornberg, Albert, Interactive marketing network and process using electronic certificates.
  138. Golden, Steven M.; Levin, Hillel; Anderson, Bradley A.; Gentry, Gary D.; Barbour, James A.; Schornberg, Albert, Interactive marketing network and process using electronic certificates.
  139. Hoffberg, Steven M.; Hoffberg-Borghesani, Linda I., Internet appliance system and method.
  140. Hoffberg, Steven M.; Hoffberg-Borghesani, Linda I., Internet appliance system and method.
  141. Duncan, William James, Invoiceless trading and settlement method and system.
  142. Duncan, William James, Invoiceless trading and settlement method and system.
  143. Duncan, William James, Invoiceless trading and settlement method and system.
  144. Duncan, William James, Invoiceless trading and settlement method and system.
  145. Duncan, William James, Invoiceless trading and settlement method and system.
  146. Duncan, William James, Invoiceless trading and settlement method and system.
  147. Duncan,William James, Invoiceless trading and settlement method and system.
  148. Johnson, William J., Location based exchange operating system.
  149. Johnson, William J., Location based exchange permissions.
  150. Arunachalam, Lakshmi, Managing services on a network.
  151. Hoffberg, Steven; Hoffberg-Borghesani, Linda, Media recording device with packet data interface.
  152. Nelson, Mark R.; Sanders, Jeffery A.; Treece, Alan W.; Forsythe, William C.; Luther, Clay W., Method and apparatus for accessing a database through a network.
  153. Nelson,Mark R.; Sanders,Jeffery A.; Treece,Alan W.; Forsythe,William C.; Luther,Clay W., Method and apparatus for accessing a database through a network.
  154. Merriman,Dwight A; O'Connor,Kevin, Method and apparatus for automatic placement of advertising.
  155. Donoho David Leigh ; Hindawi David Salim ; Lippincott Lisa Ellen, Method and apparatus for computed relevance messaging.
  156. Donoho,David Leigh; Hindawi,David Salim; Lippincott,Lisa Ellen, Method and apparatus for computed relevance messaging.
  157. Sharp, Michael A., Method and apparatus for embedding advertisements in audio files for internet and network distribution.
  158. Arunachalam, Lakshmi, Method and apparatus for enabling real-time bi-directional transactions on a network.
  159. Solokl Daniel David ; Knight Kirk Hoyt ; Corsini Frank Anton, Method and apparatus for executing electronic commercial transactions with minors.
  160. Stewart, Brett B., Method and apparatus for geographic-based communications service.
  161. Stewart, Brett B., Method and apparatus for geographic-based communications service.
  162. Stewart, Brett B., Method and apparatus for geographic-based communications service.
  163. Stewart, Brett B., Method and apparatus for geographic-based communications service.
  164. Stewart, Brett B., Method and apparatus for geographic-based communications service.
  165. Stewart, Brett B., Method and apparatus for geographic-based communications service.
  166. Donoho, David Leigh; Hindawi, David Salim; Lippincott, Lisa Ellen, Method and apparatus for inspecting the properties of a computer.
  167. Donoho, David Leigh; Hindawi, David Salim; Lippincott, Lisa Ellen, Method and apparatus for inspecting the properties of a computer.
  168. Banaugh, Michelle; Fry, Peggy J.; Potter, David; Wood, George Luis, Method and apparatus for integrated payments processing and decisioning for internet transactions.
  169. Banaugh,Michelle; Fry,Peggy J.; Potter,David; Wood,George Luis, Method and apparatus for integrated payments processing and decisioning for internet transactions.
  170. Owens, Gary L.; Labuda, David S., Method and apparatus for object oriented storage and retrieval of data from a relational database.
  171. Park Ju-ha,KRX, Method and apparatus for performing an electronic money terminal function using a smart card.
  172. Kihl Gye Tae,KRX ; Song Ik Chin,KRX ; Kim Choon Gil,KRX ; Lee Chul Ho,KRX ; Lim Young Soo,KRX, Method and apparatus for providing a number of subscribers with on-line banking service employing a plurality of bank systems.
  173. Kirsch, Steven T.; Lindblad, Christopher J., Method and apparatus for redirection of server external hyper-link references.
  174. Kirsch, Steven T.; Lindblad, Christopher J., Method and apparatus for redirection of server external hyper-link references.
  175. Donoho, David Leigh; Hindawi, David Salim; Lippincott, Lisa Ellen, Method and apparatus for remotely inspecting properties of communicating devices.
  176. Kangas, Timo Juhani, Method and arrangement for distributing information and services through a network.
  177. Grandcolas, Michael L.; Anthony, Wendell W.; Law, Patrick; Moss, Leslie; Petach, Teresa A.; Tompkins, Peter, Method and system for automatically harmonizing access to a software application program via different access devices.
  178. Grandcolas, Michael L.; Anthony, Wendell W.; Law, Patrick; Moss, Leslie; Petach, Teresa A.; Tompkins, Peter, Method and system for automatically harmonizing access to a software application program via different access devices.
  179. Barton, Thomas C.; Paulson, Jr., Harold, Method and system for automating fraud authorization strategies.
  180. Barton, Thomas C.; Paulson, Jr., Harold, Method and system for automating fraud authorization strategies.
  181. Mikhail,Grinshetyn; Chang,Matthias E.; Wong,Hok Yee; Chao,Anthony; Graham,Mark, Method and system for data capture with hidden applets.
  182. Miller,Lawrence; Deans,William; Moore,Mike, Method and system for delayed cookie transmission in a client-server architecture.
  183. 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.
  184. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  185. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  186. Miller,Lawrence; Deans,William; Moore,Mike, Method and system for determining receipt of a delayed cookie in a client-server architecture.
  187. Roegner, Michael W., Method and system for dynamically implementing an enterprise resource policy.
  188. Barnett Craig W. ; Reisner Karen R. ; Braunstein Mark, Method and system for electronic distribution of product redemption coupons.
  189. Barnett, Craig W.; Reisner, Karen R.; Braunstein, Mark, Method and system for electronic distribution of product redemption coupons.
  190. Craig W. Barnett ; Karen R. Reisner ; Mark Braunstein, Method and system for electronic distribution of product redemption coupons.
  191. Lamm, David, Method and system for electronically presenting a statement, message, or file.
  192. Lamm David, Method and system for electronically presenting and paying bills.
  193. Roberts, Gregory B., Method and system for generating certificates having unique ID data.
  194. Roberts, Greg, Method and system for generating certificates having unique Id data.
  195. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments.
  196. 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.
  197. 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.
  198. 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.
  199. 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.
  200. 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.
  201. Mussman,David C.; Adornato,Rocco L.; Barker,Thomas B.; West,Gary L.; Katz,Ronald A., Method and system for providing offers in real time to prospective customers.
  202. Curry,James Prescott, Method and system for providing on-line wellness and retail access through a distributed network.
  203. Mussman, David C; Adornato, Rocco L; Barker, Thomas B; Katz, Ronald A; West, Gary L, Method and system for providing real time offers to a user based on obsolescence of possessed items.
  204. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  205. Roegner, Michael W., Method and system for selecting advertisements to be presented to a viewer.
  206. Roegner, Michael W., Method and system for selecting content items to be presented to a viewer.
  207. Roegner, Michael W., Method and system for selecting content items to be presented to a viewer.
  208. Katz, Ronald A., Method for buyer-seller-on-line commerce.
  209. 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.
  210. 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.
  211. Djian Jacques-Henri,FRX, Method of administering a financial instrument having a service voucher-based return component.
  212. Ferguson, Xavier, Method of background downloading of information from a computer network.
  213. Bernstein Robert, Method of controlling payment of debts.
  214. Merriman, Dwight Allen; O'Connor, Kevin J., Method of delivery, targeting, and measuring advertising over networks.
  215. Merriman, Dwight Allen; O'Connor, Kevin J., Method of delivery, targeting, and measuring advertising over networks.
  216. Merriman, Dwight Allen; O'Connor, Kevin Joseph, Method of delivery, targeting, and measuring advertising over networks.
  217. Merriman, Dwight Allen; O'Connor, Kevin Joseph, Method of delivery, targeting, and measuring advertising over networks.
  218. Merriman, Dwight Allen; O'Connor, Kevin Joseph, Method of delivery, targeting, and measuring advertising over networks.
  219. Brown, Yale Robert; Walker, Matthew Brown, Method of providing targeted advertisements to a computer mediated communications network.
  220. Kamille,Stuart, Method of scoring a self-targeting coupon.
  221. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Method of using an automated banking machine.
  222. Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Church, James, Method of using an automated banking machine.
  223. Ander Carl,SEX ; Palmaeus Fredrik,SEX, Method relating to telephone communications including the transmission of advertising messages.
  224. Mussman, David C.; Barker, Thomas B.; West, Gary L.; Katz, Ronald A., Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction.
  225. Mussman, David C; Barker, Thomas B; West, Gary L; Katz, Ronald A, Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction.
  226. Cleveland,A. Bruce; Johnson,Curt R., Method, system and computer program product for historical account statements.
  227. Everhart,Glenn C., Method/system for preventing identity theft or misuse by restricting access.
  228. Adornato, Rocco L.; Mussman, David C., Methods and apparatus for intelligent selection of goods and services in mobile commerce.
  229. Barker, Thomas B., Methods and apparatus for intelligent selection of goods and services in point-of-sale commerce.
  230. Barker, Thomas B.; Strubbe, Todd B.; Kempkes, Rodney J.; Pettay, Mark J.; Johnson, Robert E., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  231. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  232. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  233. Katz,Ronald A.; West,Gary L.; Barker,Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  234. Strubbe, Todd B.; Adornato, Rocco L., Methods and apparatus for intelligent selection of goods and services offered to conferees.
  235. Strubbe, Todd B; Adornato, Rocco L, Methods and apparatus for intelligent selection of goods and services offered to conferees.
  236. Strubbe,Todd B.; Adornato,Rocco L., Methods and apparatus for intelligent selection of goods and services offered to conferees.
  237. Katz,Ronald A.; West,Gary L.; Barker,Thomas B., Methods and apparatus for intelligent, purpose-based selection of goods and services in telephonic and electronic commerce.
  238. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and system for providing offers in real time while preserving confidential information.
  239. Mussman, David C.; Adornato, Rocco L.; Barker, Thomas B.; Katz, Ronald A; West, Gary L., Methods and system for providing real time offers to a user based on obsolescence of possessed items.
  240. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
  241. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
  242. Grace, David; Turgeon, Paul, Methods and systems for secure transmission of identification information over public networks.
  243. Burris, Brandon C., Methods and systems of advertising based on aggregated information of social networks within geographical locations via a network.
  244. Burris, Brandon C.; Harvell, Sean, Methods and systems of aggregating information of geographic context regions of social networks based on geographical locations via a network.
  245. Burris, Brandon C., Methods and systems of aggregating information of social networks based on geographical locations via a network.
  246. Mann, II,William Frederick; Hirka,Jeffrey L., Methods for providing cardless payment.
  247. Mussman,David C., Methods, computer-readable media, and apparatus for offering users a plurality of scenarios under which to conduct at least one primary transaction.
  248. Strubbe, Todd B.; Mussman, David C.; Adornato, Rocco L., Methods, media, and apparatus for intelligent selection of items encoded onto portable machine-readable entertainment media.
  249. Prorock, Thomas Joseph, Methods, systems, and computer program product for remote monitoring of a data processing system events.
  250. Winslow, Kim B.; Roark, Adam; Bunch, Dawn; Scheib, Joseph; Owen, Phillips, Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits.
  251. Winslow, Kim B.; Roark, Adam; Bunch, Dawn; Scheib, Joseph; Owen, Phillips, Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits.
  252. Vogt, Paul J., Money transfer wall unit.
  253. Arunachalam, Lakshmi, Multimedia transactional services.
  254. Wantz, II, John T.; Zabel, Rhen; Vandenberg, Greg; Piatenko, Tim, Native e-commerce transactables for familiar user environments.
  255. Gonsalves, Robert; Laird, Michael D., Natural color matching in a video editing system.
  256. Merriman, Dwight A; O'Connor, Kevin J, Network for distribution of re-targeted advertising.
  257. Abdel-Moneim, Eiman; Osman, Anas; Usman, Azhar M.; Mosier, Michael T., Neural network based decision processor and method.
  258. Grace,David, Non-algorithmic vectored steganography.
  259. Wagner, Richard Hiers, OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERF.
  260. Grimes, Scott, Offer placement system and methods for targeted marketing offer delivery system.
  261. Wagner, Richard Hiers, Open network system and method for I/O operations with non-standard I/O devices using an extended open network protocol.
  262. Thomas, George F.; Wood, Albert G.; Pawelczyk, Joseph S.; Friedman, Kenneth H.; Palmese, Paul, Payment identification code and payment system using the same.
  263. Lewis William H., Portable system for personal identification based upon distinctive characteristics of the user.
  264. Golden,Steven M.; Levin,Hillel; Gentry,Gary D.; Barbour,James A.; Schornberg,Albert; Anderson,Bradley A., Process for the distribution and redemption of coupons.
  265. Bhattacharya, Ashmit; Bower, Bruce; Briggs, Gary; Gendron, Marc; Grove, Steve; Henson, Tina; Thomas, Parker, Processing value-ascertainable items.
  266. Stewart, Brett B., Providing advertisements to a computing device based on a predetermined criterion of a wireless access point.
  267. Stewart, Brett B., Providing an advertisement based on a geographic location of a wireless access point.
  268. Stewart, Brett B., Providing information to a computing device based on known location and user information.
  269. Stewart, Brett R., Providing information to a computing device based on known location and user information.
  270. Stewart, Brett B., Providing promotion information to a device based on location.
  271. Ye,Sha; Labuda,David S., Rating billing events in real time according to account usage information.
  272. Arunachalam, Lakshmi, Real-time web transaction systems to access on-line services over the web from web applications.
  273. Arunachalam, Lakshmi, Real-time web transactions from web applications.
  274. Graves, Phillip Craig; Chakiris, Phil M.; Denzer, Karl; Young, Dustin, Rebate card system.
  275. Stewart, Brett B., Receiving location based advertisements on a wireless communication device.
  276. David Leigh Donoho ; David Salim Hindawi ; Lisa Ellen Lippincott, Relevance clause for computed relevance messaging.
  277. Donoho, David Leigh; Hindawi, David Salim; Lippincott, Lisa Ellen, Relevance clause for computed relevance messaging.
  278. Donoho, David Leigh; Hindawi, David Salim; Lippincott, Lisa Ellen, Relevance clause for computed relevance messaging.
  279. Donoho,David Leigh; Hindawi,David Salim; Lippincott,Lisa Ellen, Relevance clause for computed relevance messaging.
  280. Mooney, Luke, Relevant online ads for domain name advertiser.
  281. Ethington, Seth; Prasad, Bharat, Remote deposit image inspection apparatuses, methods and systems.
  282. Rockel, Alexander; Krishnamoorthy, Jayaprakash; Labuda, David S.; Guionnet, Jerome; Levy, David; Velcich, Tony, Revenue management system and method.
  283. Labuda, David S.; Krishnamoorthy, Jayaprakash; Haddock, James R.; Rockel, Alexander S.; Brefczynski, Keith M.; Douglas, Giles, Revenue management system and method utilizing database backup.
  284. Krishnamoorthy, Jayaprakash; Labuda, David S.; Haddock, James R., Revenue management systems and methods.
  285. Krishnamoorthy, Jayaprakash; Labuda, David S.; Haddock, James R.; Goldman, Mark S., Revenue management systems and methods with bill and account suppression.
  286. Krishnamoorthy, Jayaprakash; Labuda, David S.; Haddock, James R., Revenue management systems and methods with enhanced rollover.
  287. Krishnamoorthy, Jayaprakash; Labuda, David S.; Haddock, James R.; Goldman, Mark S.; Chowlur, Prashanth, Revenue management systems and methods with payment suspense management.
  288. Krishnamoorthy, Jayaprakash; Labuda, David S.; Haddock, James R.; Subramanian, Mahadevan, Revenue management systems and methods with re-rating and rebilling.
  289. Krishnamoorthy, Jayaprakash; Labuda, David S.; Haddock, James R.; Chowlur, Prashanth, Revenue management systems and methods with sponsored top-up options.
  290. Acharya, Suresh; Sabnani, Vikas, Sales history decomposition.
  291. Christie, William; Beliveau, Jeffery; Lellouche, Henri, Secure coupon distribution.
  292. Katz, Ronald A., Security monitoring system with combined video and graphics display.
  293. Katz, Ronald A., Security monitoring system with flexible monitoring sequence.
  294. Katz, Ronald A., Security monitoring system with image comparison of monitored location.
  295. Coutts, Michael G.; Dove, Lee G., Self-service terminals in which remote parties can induce operation of peripheral devices without obtaining control over the peripheral devices.
  296. Johnson, William J., Server-less synchronized processing across a plurality of interoperating data processing systems.
  297. Jemella, Donald F.; Montevago, Franca; Mannino, John J; Mirabella, Loretta, Service charge adjustment platform.
  298. Magennis,Gerard; Buchendorfer,Thomas, Setuid-filter method for providing secure access to a credentials store for computer systems.
  299. Tritt, Robert L.; Mallot, Kyle M.; Glasgow, Todd P.; Glascock, Bradley C.; Hawkins, Scott A., Simultaneous real-time access to financial information.
  300. Tritt,Robert L.; Mallot,Kyle M.; Glasgow,Todd P.; Glascock,Bradley C.; Hawkins,Scott A., Simultaneous real-time access to financial information.
  301. Tritt, Robert L.; Mallot, Kyle M.; Glasgow, Todd P.; Glascock, Bradley C.; Hawkins, Scott A., Simultaneous real-time presentation of financial information.
  302. Cesaire Gerard,FRX ; Devaux Fran.cedilla.ois,FRX ; Gerard Yves,FRX, Smart IC card system and smart IC card with transaction management program stored therein.
  303. Hoffman, Stephen R; Cutino, Suzanne C, Smart card load and purchase transactions using wireless telecommunications network.
  304. Hoffman, Steven R.; Cutino, Suzanne C., Smart card loading transactions using wireless telecommunications network.
  305. Hoffman, Steven R.; Cutino, Suzanne C., Smart card loading transactions using wireless telecommunications network.
  306. Hoffman, Stephen R; Cutino, Suzanne C, Smart card loading transactions using wireless telecommunications networks.
  307. Hoffman, Steven R; Cutino, Suzanne C, Smart card purchasing transactions using wireless telecommunications network.
  308. Hoffman, Steven R.; Cutino, Suzanne C., Smart card transactions using wireless telecommunications network.
  309. Rowe, Tiffany; Hayes, Sean; Dolan, Patrick, Social website domain registration announcement and search engine feed.
  310. Labuda, David S.; Krishnamoorthy, Jayaprakash, Sorting transactions in a memory object store.
  311. Gonsalves, Robert; Laird, Michael D., Source color modification on a digital nonlinear editing system.
  312. Singh,Namita; Olasky,S. Jason; Cluff,Kellie S.; Welch, Jr.,William F., Supply chain demand forecasting and planning.
  313. Harold, Lee C.; Selvarajan, Inbarajan; Liebl, Herbert, System and method for OLAP report generation with spreadsheet report within the network user interface.
  314. Newman, Alan B.; Menai, Noor A., System and method for analyzing marketing efforts.
  315. Johnson, William J., System and method for application context location based configuration suggestions.
  316. Johnson, William J., System and method for application search results by locational conditions.
  317. Graves, Phillip Craig; Smith, Merrill Brooks; Chakiris, Phil M., System and method for authorizing stored value card transactions.
  318. Smith, Merrill Brooks; Graves, Phillip Craig, System and method for authorizing the activation of a communication device.
  319. Gerstner, Penny L.; Heise, Carrie L.; Kane, Marilyn C.; Kaufmann, Stephen M.; Keller, Christopher G.; Kruse, Kelly; Poll, Gerard H.; Pullen, Catherine S.; Tucker, Faith A.; Tucker, Jr., Richard G.; Van Meir, Vickie M.; Winick, Deborah M., System and method for authorizing third-party transactions for an account at a financial institution on behalf of the account holder.
  320. Johnson, William J.; Johnson, Jason M., System and method for automated content distribution objects.
  321. Johnson, William J.; Johnson, Jason M., System and method for automated content presentation objects.
  322. Gendler, Joseph, System and method for automatic financial project management.
  323. Zirngibl,Michael; Patnaik,Anurag; Leon,Christopher S.; Yoon,Ki Sung; Mosle,Wolf; Yost,Kyle N.; Wilding,Peter G.; Trenkamp,Robert G., System and method for automatic transmission of audible on-line analytical processing system report output.
  324. Johnson, William J.; Johnson, Jason M., System and method for confirming data processing system target(s).
  325. 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.
  326. Johnson, William J., System and method for determining mobile users of interest.
  327. Foss, Jr., Sheldon H.; James, Jr., Dennis H., System and method for dynamically managing a financial account.
  328. Wagner, Richard Hiers, System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet.
  329. Wagner, Richard Hiers, System and method for enabling transactions between a web server and an automated teller machine over the internet.
  330. Jenkins, Joseph A.; Hsiang, Phoebe; Seaman, Rosalie; Kanth, Boina; Bestland, Grace, System and method for ensuring order fulfillment.
  331. Warren, Mary Carter; Barrett, Donna M.; Schmitt, Donald H.; Ehemann, Karen R., System and method for establishing or modifying an account with user selectable terms.
  332. 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.
  333. 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.
  334. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  335. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  336. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  337. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  338. 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.
  339. 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.
  340. Rosko, Robert J., System and method for implementing a consolidated application process.
  341. Rosko, Robert J., System and method for implementing a consolidated application process.
  342. Rosko, Robert J., System and method for implementing a consolidated application process.
  343. Pletz, Tracy; Callahan, William T., System and method for integrated customer management.
  344. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  345. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  346. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  347. Strunk, David D.; Kephart, Aaron D.; Liseski, Steven J.; Fields, Robin M., System and method for interactive advertising.
  348. Johnson, William J., System and method for location based exchange vicinity interest specification.
  349. Johnson, William J., System and method for location based exchange vicinity interest specification.
  350. Johnson, William J., System and method for location based exchanges of data facilitating distributed location applications.
  351. Johnson, William J., System and method for location based exchanges of data facilitating distributed location applications.
  352. Johnson, William J., System and method for location based exchanges of data facilitating distributed locational applications.
  353. Johnson, William J., System and method for location based exchanges of data facilitating distributed locational applications.
  354. Johnson, William J., System and method for location based exchanges of data facilitating distributed locational applications.
  355. Johnson, William J., System and method for location based exchanges of data facilitating distributed locational applications.
  356. Johnson, William J., System and method for location based exchanges of data facilitating distributed locational applications.
  357. Johnson, William J., System and method for location based inventory management.
  358. Brenner, Margaret S.; Proud, Scott C., System and method for management and delivery of content and rules.
  359. Brenner, Margaret S.; Proud, Scott C., System and method for management and delivery of content and rules.
  360. Saylor,Michael J.; Yost,Kyle N.; Wilding,Peter G.; Trenkamp,Robert G., System and method for management of an automatic OLAP report broadcast system.
  361. Yost, Kyle; Saylor, Michael; Wilding, Peter; Trenkamp, Robert, System and method for management of an automatic OLAP report broadcast system.
  362. Yost, Kyle; Saylor, Michael; Wilding, Peter; Trenkamp, Robert, System and method for management of an automatic OLAP report broadcast system.
  363. Moore, Robert; Lawhorne, Brian, System and method for managing customer communications over communication channels.
  364. Moore, Robert; Lawhorne, Brian, System and method for managing customer communications over communication channels.
  365. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, System and method for mobile check deposit.
  366. Johnson, William J., System and method for mobile device usability by locational conditions.
  367. Harold, Lee C.; Zhu, Qing; Liebl, Herbert, System and method for network user interface OLAP report formatting.
  368. Scott, Kelly W., System and method for network-based project management.
  369. Scott,Kelly W., System and method for network-based project management.
  370. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  371. Skingle, Bruce James, System and method for portal infrastructure tracking.
  372. Skingle,Bruce James, System and method for portal infrastructure tracking.
  373. Johnson, William J., System and method for presenting application data by data processing system(s) in a vicinity.
  374. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  375. Hora,Rajesh; Dommer,Lisa Marie, System and method for providing automated database assistance to financial service operators.
  376. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  377. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  378. Rosko,Robert; Ampani,Kumar, System and method for providing customers with seamless entry to a remote server.
  379. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  380. Bowers,Theodore J.; Ilijasic,Dean; Sanders,Shelley F., System and method for providing discriminated content to network users.
  381. Gendler,Joseph, System and method for providing funding approval associated with a project based on a document collection.
  382. Kriza, George; Kriza, Travis, System and method for providing hierarchical reporting for online incentive programs.
  383. Stewart, Brett R., System and method for providing improved services in a geographic-based network system.
  384. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  385. Nachinson Jon ; Krebs Richard ; Watson Richard ; Becker Thomas ; Morton Gregory, System and method for providing restrained, streamlined access to a computerized information source.
  386. Turgeon,Paul Charles, System and method for providing secure services over public and private networks using a removable portable computer-readable storage.
  387. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  388. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  389. Saylor, Michael J.; Richards, III, Frederick; Patnaik, Anurag; Zirngibl, Michael, System and method for real-time, personalized, dynamic, interactive voice services for book-related information.
  390. Saylor,Michael J.; Richards, III,Frederick; Patnaik,Anurag; Zirngibl,Michael, System and method for real-time, personalized, dynamic, interactive voice services for corporate-analysis related information.
  391. Langseth, Justin; Orolin, Nicolas J.; Patnaik, Anurag; Zirngibl, Michael; Saylor, Michael J.; Richards, III, Frederick, System and method for real-time, personalized, dynamic, interactive voice services for entertainment-related information.
  392. Zirngibl, Michael; Patnaik, Anurag; Saylor, Michael J.; Richards, III, Frederick, System and method for real-time, personalized, dynamic, interactive voice services for information related to existing travel schedule.
  393. Zirngibl,Michael; Anurag,Patnaik; Saylor,Michael J.; Richards, III,Frederick, System and method for real-time, personalized, dynamic, interactive voice services for information related to existing travel schedule.
  394. Langseth, Justin; Orolin, Nicolas J.; Patnaik, Anurag; Zirngibl, Michael; Saylor, Michael J.; Richards, III, Frederick, System and method for real-time, personalized, dynamic, interactive voice services for property-related information.
  395. Langseth, Justin; Orolin, Nicolas J.; Richards, III, Frederick; Patnaik, Anurag; Saylor, Michael J.; Zirngibl, Michael, System and method for real-time, personalized, dynamic, interactive voice services for travel availability information.
  396. Langseth, Justin; Orolin, Nicolas J.; Richards, III, Frederick; Patnaik, Anurag; Saylor, Michael J.; Zirngibl, Michael, System and method for real-time, personalized, dynamic, interactive voice services for travel availability information.
  397. Jakstadt, Eric G.; Waterston, Michael L.; Badari, Vasantha; Pfost, Jarrod E., System and method for secure third-party development and hosting within a financial services network.
  398. Jakstadt, Eric G.; Waterston, Michael L.; Badari, Vasantha; Pfost, Jarrod E., System and method for secure third-party development and hosting within a financial services network.
  399. Graves, Phillip Craig; Smith, Merrill Brooks, System and method for securely authorizing and distributing stored-value card data.
  400. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  401. Johnson, William J., System and method for service access via hopped wireless mobile device(s).
  402. Johnson, William J., System and method for service-free location based applications.
  403. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  404. Skingle,Bruce James, System and method for single session sign-on with cryptography.
  405. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  406. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  407. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  408. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  409. Ellmore,Kimberly, System and method for single sign on process for websites with multiples applications and services.
  410. Johnson, William J.; Johnson, Michael J., System and method for situational proximity observation alerting privileged recipients.
  411. Johnson, William J., System and method for sound wave triggered content.
  412. Johnson, William J., System and method for sudden proximal user interface.
  413. Siegel, Rebecca Lynn; Finocchiaro, Jeffrey David; Herberger, William Fredrick, System and method for supervising account management operations.
  414. Johnson, William J., System and method for targeting data processing system(s) with data.
  415. Johnson, William J.; Johnson, Jason M., System and method for targeting data processing system(s) with data.
  416. Colcord, Brian, System and method for testing applications.
  417. Eberle, Hannes; Leon, Christopher S.; Maass, Bodo; Patnaik, Anurag; Santa Ana, Alberto; Zirngibl, Michael; Reyes, Benjamin; Mosle, Wolf, System and method for the creation and automatic deployment of personalized dynamic and interactive voice services.
  418. Zirngibl,Michael; Patnaik,Anurag, System and method for the creation and automatic deployment of personalized dynamic and interactive voice services with integrated inbound and outbound voice services.
  419. Eberle, Hannes; Leon, Christopher S.; Maass, Bodo; Patnaik, Anurag; Santa Ana, Alberto; Zirngibl, Michael, System and method for the creation and automatic deployment of personalized, dynamic and interactive inbound and outbound voice services, with real-time interactive voice database queries.
  420. Eberle,Hannes; Leon,Christopher S.; Maass,Bodo; Patnaik,Anurag; Santa Ana,Alberto; Zirngibl,Michael; Reyes,Benjamin; Mosle,Wolf, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services.
  421. Eberle, Hannes; Leon, Christopher S.; Maass, Bodo; Patnaik, Anurag; Santa Ana, Alberto; Zirngibl, Michael, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services including module for generating and formatting voice services.
  422. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Leon, Christopher S., System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services with closed loop transaction processing.
  423. Eberle, Hannes; Patnaik, Anurag; Zirngibl, Michael; Mosle, Wolf, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services with customized message depending on recipient.
  424. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Eberle, Hannes, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, including deployment through digital sound files.
  425. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Eberle, Hannes; Langseth, Justin, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, including deployment through personalized broadcasts.
  426. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Eberle, Hannes; Langseth, Justin, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, including deployment through personalized broadcasts.
  427. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Leon, Christopher S., System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with closed loop transaction processing.
  428. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Leon, Christopher S., System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with real-time database queries.
  429. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Leon, Christopher S., System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with real-time database queries.
  430. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with real-time drilling via telephone.
  431. Zirngibl,Michael; Patnaik,Anurag; Maass,Bodo, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with real-time drilling via telephone.
  432. Eberle,Hannes; Leon,Christopher S.; Maass,Bodo; Patnaik,Anurag; Santa Ana,Alberto; Zirngibl,Michael, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with system and method that enable on-the-fly content and speech generation.
  433. Zirngibl, Michael; Patnaik, Anurag; Maass, Bodo; Eberle, Hannes, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with telephone-based service utilization and control.
  434. Zirngibl,Michael; Patnaik,Anurag; Maass,Bodo; Eberle,Hannes, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with telephone-based service utilization and control.
  435. Zirngibl, Michael; Patnaik, Anurag, System and method for the creation and automatic deployment of personalized, dynamic and interactive voice services, with the direct delivery of voice services to networked voice messaging systems.
  436. Johnson, William J., System and method for timely whereabouts determination by a mobile data processing system.
  437. Wagner, Richard Hiers, System and method for transacting communication over an open network.
  438. Johnson, William J.; Johnson, Jason M., System and method for vector processing on behalf of image aperture aim.
  439. Johnson, William J.; Johnson, Michael J., System and method for vital signs alerting privileged recipients.
  440. Eberle,Hannes; Leon,Christopher S.; Maass,Bodo; Patnaik,Anurag; Santa Ana,Alberto; Zirngibl,Michael, System and method for voice-enabled input for use in the creation and automatic deployment of personalized, dynamic, and interactive voice services.
  441. Nachinson, Jon; Krebs, Richard; Watson, Richard; Becker, Thomas; Morton, Gregory, System and method of providing restrained, streamlined access to a computerized information source.
  442. Everhart, Glenn C., System and method providing improved error detection related to transmission of data over a communication link.
  443. Henderson, Daniel L.; Lieberman, Elliott B.; Freschl, Charles M.; Soemeri, Deni S., System and method to acquire information from a database.
  444. Grimes, Scott, System and methods for delivering targeted marketing offers to consumers via an online portal.
  445. Sandoval, Christopher A., System and methods for funding and binding auto loans.
  446. Grimes, Scott, System and methods for merging or injecting targeted marketing offers with a transaction display of an online portal.
  447. Wehunt, Nathan P.; Blair, Jeanne; Lux, Scott A.; Gradwohl, Jeffrey J.; Dickinson, Steven J.; Boyles, Helen P.; Houssiere, Christian; Stoll, Audra K.; Jacobson, Tara L.; Cunningham, Gregory L., System for automatically transferring account information, such as information regarding a financial services account.
  448. Wagner, Richard Hiers, System for enabling smart card transactions to occur over the internet and associated method.
  449. Roegner, Michael W., System for managing access to protected resources.
  450. Roegner, Michael W., System for managing access to protected resources.
  451. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  452. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  453. Mann, III,William Frederick; Hirka,Jeffrey L., System for providing cardless payment.
  454. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
  455. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
  456. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
  457. Pettay, Mark J; Kempkes, Rodney J, System, method, and business method for settling micropayment transactions to a pre-paid instrument.
  458. Katiyar,Dinesh; Belani,Eshwar; Singh,Ujjwal; Chan,Su, System, method, and code for providing promotions in a network environment.
  459. Medina, III, Reynaldo, Systems and methods for adaptive binarization of an image.
  460. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  461. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  462. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  463. Prasad, Bharat; Liang, Minya; Medina, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  464. Hildebrand, Marc W, Systems and methods for automatic bill pay enrollment.
  465. Hildebrand, Marc W., Systems and methods for automatic bill pay enrollment.
  466. Anderson, Russell Wayne, Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data.
  467. Walls, Carol Ann; Gavia, Gabriel Glenn, Systems and methods for displaying negotiable instruments derived from various sources.
  468. Smith, Merrill Brooks; Graves, Phillip Craig; Chakiris, Phil M, Systems and methods for electronic device point-of-sale activation.
  469. Oakes, III, Charles Lee; Morris, Michael Frank; Prasad, Bharat; Medina, III, Reynaldo, Systems and methods for financial deposits by electronic message.
  470. Sandoval, Christopher A., Systems and methods for funding and binding auto loans.
  471. Lawson, Mary Elizabeth; Ward, Cheryl L.; Dreyer, Hans Daniel, Systems and methods for generating payment due notifications.
  472. 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.
  473. 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.
  474. 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.
  475. 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.
  476. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  477. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  478. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  479. 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.
  480. 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.
  481. Kirwin, Glenn D.; Claus, Matthew; Noviello, Joseph; Gilbert, Andrew C., Systems and methods for providing a trading interface.
  482. Kirwin, Glenn D.; Claus, Matthew; Noviello, Joseph; Gilbert, Andrew C., Systems and methods for providing a trading interface.
  483. Kirwin, Glenn D.; Claus, Matthew; Noviello, Joseph; Gilbert, Andrew C., Systems and methods for providing a trading interface.
  484. Kirwin, Glenn D.; Claus, Matthew; Noviello, Joseph; Gilbert, Andrew C., Systems and methods for providing a trading interface.
  485. Kirwin, Glenn D.; Claus, Matthew; Noviello, Joseph; Gilbert, Andrew C., Systems and methods for providing a trading interface.
  486. Lutnick, Howard W.; Kirwin, Glenn D.; Gilbert, Andrew C., Systems and methods for providing a trading interface with advanced features.
  487. Lutnick, Howard W; Kirwin, Glenn D; Kirwin, legal representative, Joan; Gilbert, Andrew C; Gilbert, legal representative, Mary Ann, Systems and methods for providing a trading interface with advanced features.
  488. Harpel, Greg Alan; Nuggehalli, R. Bharat Prasad; Morris, Michael Frank, Systems and methods for real-time validation of check image quality.
  489. Harpel, Greg Alan; Nuggehalli, R. Bharat Prasad; Morris, Michael Frank, Systems and methods for real-time validation of check image quality.
  490. Medina, III, Reynaldo; Prater, Matthew Wayne, Systems and methods for receiving and orienting an image of one or more checks.
  491. 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.
  492. 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.
  493. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Huth, Troy, Systems and methods for remote deposit of checks.
  494. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  495. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  496. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  497. Medina, Reynaldo, Systems and methods for remote deposit of negotiable instrument using brightness correction.
  498. Walls, Carol Ann; Gavia, Gabriel Glenn, Systems and methods for remote deposit of negotiable instruments with non-payee institutions.
  499. 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.
  500. Medina, III, Reynaldo, Systems and methods of check detection.
  501. Medina, Reynaldo, Systems and methods of check detection.
  502. Bueche, Jr., Michael Patrick, Systems and methods of check re-presentment deterrent.
  503. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Systems and methods that use geographic data to intelligently select goods and services to offer in telephonic and electronic commerce.
  504. Smith, Arthur Quentin; Hopkins, III, John Chandler; Medina, III, Reynaldo; Billman, Bradly Jay, Systems and methods to modify a negotiable instrument.
  505. Smith, Arthur Quentin; Hopkins, III, John Chandler; Medina, III, Reynaldo; Billman, Bradly Jay, Systems and methods to modify a negotiable instrument.
  506. 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.
  507. 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.
  508. Prasad, Bharat; Medina, III, Reynaldo, Systems, methods and apparatus for receiving images of one or more checks.
  509. Prasad, Bharat; Medina, III, Reynaldo, Systems, methods, and apparatus for receiving images of one or more checks.
  510. Kohls,Lawrence; Clare,Brian F., Trading system for fixed-value contracts.
  511. Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
  512. Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
  513. Joao,Raymond Anthony; Bock,Robert Richard, Transaction security apparatus.
  514. Joao, Raymond Anthony, Transaction security apparatus and method.
  515. Joao, Raymond Anthony, Transaction security apparatus and method.
  516. Joao, Raymond Anthony, Transaction security apparatus and method.
  517. Bladel, James, URL shortening based online advertising.
  518. , Value-added network switching and object routing.
  519. English, Paul, Vendor comparison, advertising and switching.
  520. Katz,Ronald A., Videophone system for scrutiny monitoring with computer control.
  521. Katz,Ronald A., Videophone system for scrutiny monitoring with computer control.
  522. Katz,Ronald A., Videophone system for scrutiny monitoring with computer control.
  523. Christensen, Scott N., Virtual couponing method and apparatus for use with consumer kiosk.
  524. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Virtual private lock box.
  525. Arunachalam, Lakshmi, Web application network portal.
  526. Rechterman, Barbara J.; Proctor, Neil; Fitzpatrick, Shawn; Bennett, Bill, Web page customization based on a search term expertise level of a user.
  527. Rechterman, Barbara J.; Proctor, Neil; Fitzpatrick, Shawn; Bennett, Bill, Web page customization based on expertise level of a user.
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