$\require{mediawiki-texvc}$

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.

Closed loop financial transaction method and apparatus

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/60
출원번호 US-0732584 (1996-10-15)
발명자 / 주소
  • Norris Jeffrey A.
출원인 / 주소
  • Affinity Technology Group, Inc.
대리인 / 주소
    Rhodes, Coats & Bennett, L.L.P.
인용정보 피인용 횟수 : 692  인용 특허 : 35

초록

A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks, ordering additional checks, issuing credit and debit cards, wire transferring money, and so on

대표청구항

[ What is claimed is:] [1.] An automatic loan processing system providing real time loan processing without human intervention for applicants located at a remote interface, said system comprising:a. a remote applicant interface adapted to:i. allow a loan applicant to remotely request a loan from a f

이 특허에 인용된 특허 (35)

  1. Grossi Mark M. (Muirhead GB6) Paton Grant C. (Dundee GB6) Schneider George E. (Springboro OH), ATM as video conferencing station.
  2. Lee Luan L. (Ithaca NY) Berger Toby (Ithaca NY), Adaptive method and system for real time verification of dynamic human signatures.
  3. Kapp Michael A. (Alpharetta GA) Protheroe Robert L. (Lawrenceville GA) Onega Albert (Lore City OH), Apparatus and method for producing a digitized transaction record including an encrypted signature.
  4. Nogami Masaru (Odawara JPX) Inaba Masafumi (Fujisawa JPX) Oki Yoshitaka (Chigasaka JPX), Automatic issuance of passbooks and the like.
  5. Bishop Ronald D. (Mission Viejo ; CA) Hoberg Paul (Mission Viejo ; CA), Cellular mobile radiotelephone-based system for rental of mobile equipment.
  6. Parker Terry S. (Spring TX), Customer activation system.
  7. Childress John F. (Lewisville TX), Data entry screen.
  8. Gill Gwyneth (Montreal NY CAX) Ryan John P. (Northville NY) Singer David (Thornhill CAX) Diamand Nicholas T. L. (Toronto CAX) Bernatchez Alexandre J. (Mississauga CAX) Lai John (Agincourt CAX) Le Gra, Data processing methods and apparatus for managing vehicle financing.
  9. Kaplan Murray (Cherry Hill NJ) Humes Robert W. (Moorestown NJ), Direct telephone dial ordering service.
  10. Bradshaw Kenneth A. (Bedford TX), Document composition from parts inventory.
  11. Hain David A. (Dundee GB6) Keir Grant G. H. (Dundee GB6) McGregor Alister R. C. (Dundee GB6) Hutcheon Alfred J. (Dundee GB6), Drive-in, self service banking system.
  12. Longfield Ross N. (Far Hills NJ), Electronic income tax refund early payment system.
  13. Ruggiero Murray (New Haven CT), Embedding neural networks into spreadsheet applications.
  14. DeFrancesco James (Ellicott City MD) Freiman Scott L. (Pikesville MD), Financial quotation system using synthesized speech.
  15. Elphick Simon J. (Edinburgh GB6) Wickes Robin M. (Edinburgh GB6), Forms processor with controlled remote revision.
  16. Dao James (Hillsborough CA) Foyt David C. (Belmont CA) Dao Jeffrey J. (Hillsborough CA) Allen Kenneth R. (Palo Alto CA), Keyless flat panel portable computer-computer aided notebook.
  17. Dykstra Diana R. (Herald CA) Wade Patricia M. (Meadow Vista CA), Lender direct credit evaluation and loan processing system.
  18. Pritchard Lawrence E. (2517 Wellington Rd. Cleveland Heights OH 44118), Medical insurance verification and processing system.
  19. Jones Robert M. (Houston TX) Goetz Charles F. (Marietta GA) Steele Larry L. (Tucker GA), Method and apparatus for automatically determining the approval status of a potential borrower.
  20. Valentino James A. (Staten Island NY), Method and apparatus for benefit and financial communication.
  21. Mitcham Martin K. (11 Bunker Hill Richardson TX 75080), Method and apparatus for issuing insurance from kiosk.
  22. Gross Hyman (New York NY) Hatcher Melvin J. (Cambridge GBX) Checkley Jonathan R. P. (London GBX), Method and apparatus for releasing value of an asset.
  23. Cuervo Vincent (4251 Aurora St. Coral Gables FL 33146), Method and system for providing verifiable line of credit information.
  24. Lawlor Matthew P. (Washington DC) Carmody Timothy E. (McLean VA), Method and system for remote delivery of retail banking services.
  25. Tyler Brian G. (2671 S. Seamans Neck Rd. Seaford NY 11763), Method of producing narrative analytical report.
  26. D\Agostino Richard J. (Charlotte NC), Personal financial assistant computer method.
  27. Keyser ; Jr. George T. (Potomac MD) Fosler Carl R. (Gaithersburg MD) Johnson Jeffrey D. (Rockville MD), Portable personal-banking system.
  28. Yamamoto Mikio (Shizuoka JPX), Product sales data processing system for on-line connection to host CPU.
  29. Jost Allen (San Diego CA) Nelson Jennifer (San Diego CA) Gopinathan Krishna (San Diego CA) Smith Craig (Seattle WA), Real estate appraisal using predictive modeling.
  30. Vitagliano Francis M. (117 Revere St. Boston MA 02114) Modigliani Franco (25 Clark St. Belmont MA 02178), System for enhanced management of pension-backed credit.
  31. Zoffel George S. (Kirkland WA) St. Laurent Nichola A. (Encinitas CA) Murdock Robb (Encinitas CA), System for generating and transmitting credit reports.
  32. Randolph Richard D. (3212 Colfax Pueblo CO 81008), System for verifying credit status.
  33. Miller Phillip (Cedar Rapids) Koenck Steven E. (Cedar Rapids) Hanson George E. (Cedar Rapids) Wolf Roger L. (Cedar Rapids IA), Transaction control system including portable data terminal and mobile customer service station.
  34. Kuroki Akira (Inagi JPX) Ochiai Satoru (Inagi JPX), Transaction safety system for falsely indicating successful completion of illegal transaction.
  35. Boothroyd William A. (San Jose CA) Sorensen Boyd W. (San Jose CA), Transaction terminal with unlimited range of functions.

이 특허를 인용한 특허 (692)

  1. Johnson, Gregory A.; Sperl, Susan A.; Klepfer, Jeff; Kassarjian, Raffi M.; Capella, Gregory S.; Asch, Rachel C.; Jones, Peter R.; Look, Leonard E., ASP business decision engine.
  2. Johnson,Gregory A.; Sperl,Susan A.; Klepfer,Jeff; Kassarjian,Raffi M.; Capella,Gregory S.; Asch,Rachel C.; Jones,Peter R.; Look,Leonard E., ASP business decision engine.
  3. Rousseau, Curtis R.; Jaslow, Seth D.; Lawson, legal representative, Velma E.; Lawson, Phil G., Account opening facilitation system, method and computer program product.
  4. Bosch, Joel Joseph; Rathi, Prashant; Howcroft, Kathleen Marie; West, Robert McCoy, Account opening system, method and computer program product.
  5. Gruber, Thomas R.; Sabatelli, Alessandro F.; Aybes, Alexandre A.; Pitschel, Donald W.; Voas, Edward D.; Anzures, Freddy A.; Marcos, Paul D., Actionable reminder entries.
  6. Gruber, Thomas Robert; Cheyer, Adam John; Guzzoni, Didier Rene; Brigham, Christopher Dean; Giuli, Richard Donald; Bastea-Forte, Marcello; Saddler, Harry Joseph, Active input elicitation by intelligent automated assistant.
  7. Gruber, Thomas Robert; Sabatelli, Alessandro F.; Aybes, Alexandre A.; Pitschel, Donald W.; Voas, Edward D.; Anzures, Freddy A.; Marcos, Paul D., Active transport based notifications.
  8. Rottler, Benjamin A.; Lindahl, Aram M.; Haughay, Jr., Allen Paul; Ellis, Shawn A.; Wood, Jr., Policarpo Bonilla, Adaptive audio feedback system and method.
  9. Bennett, James D.; Winslade, Christopher C., Advertising infrastructure supporting cross selling opportunity management.
  10. Bennett, James D.; Winslade, Christopher C., Advertising system supporting dual input interfaces.
  11. Bennett, James D.; Winslade, Christopher C., Advertising system supporting multi-advertiser system communications.
  12. Bennett, James D.; Winslade, Christopher C., Advertising system supporting multi-advertiser system interface structures.
  13. Bennett, James D.; Winslade, Christopher C., Advertising system supporting multi-advertiser system remote advertisement posting.
  14. Zelenko, Avinoam; Gordon, Vitaly; Kehat, Arnon-Naftally; Barak, Matan, Analytics driven engagement.
  15. Mason, Henry, Analyzing audio input for efficient speech and music recognition.
  16. McWilliam,Richard P.; Hagen,G. Lynn; Andrews,Robert G.; Hoerr,Matthew; Christianson,Adam; Demko,Brenton; Abrahams,William B.; Sutherland,Richard, Apparatus for capturing an image.
  17. Jerram, Andrew Peter Nelson; McMahon, Frederick Francis, Apparatuses, methods and systems for a digital conversation management platform.
  18. Jerram, Andrew Peter Nelson; McMahon, Frederick Francis, Apparatuses, methods and systems for a digital conversation management platform.
  19. Jerram, Andrew Peter Nelson; McMahon, Frederick Francis, Apparatuses, methods and systems for a digital conversation management platform.
  20. Jerram, Andrew Peter Nelson; McMahon, Frederick Francis, Apparatuses, methods and systems for a digital conversation management platform.
  21. Gupta, Sandeep; Hall, Christian; Reid, James; Lu, Shen; Horton, Dennis; Grice, Lee; Dixon, Thresa; Garten, Scott; Reddy, Sudhakar, Application processing and decision systems and processes.
  22. Gupta, Sandeep; Hall, Christian; Reid, James; Lu, Shen; Horton, Dennis; Grice, Lee; Dixon, Thresa; Garten, Scott; Reddy, Sudhakar, Application processing and decision systems and processes.
  23. Drummond,Jay Paul; Blackson,Dale A.; Smith,Mark D., Application service provider and automated transaction machine system and method.
  24. Huang, Rongqing; Oparin, Ilya, Applying neural network language models to weighted finite state transducers for automatic speech recognition.
  25. Bull, William; Rottler, Ben; Schiller, Jonathan A., Audio user interface.
  26. Rottler, Benjamin; Rogers, Matthew; James, Bryan J.; Wood, Policarpo; Hannon, Timothy, Audio user interface for displayless electronic device.
  27. Barak, Matan, Authentication of service requests initiated from a social networking site.
  28. Barak, Matan, Authentication of service requests initiated from a social networking site.
  29. Barak, Matan; Lewis, Todd; Mulhearn, Justin Robert, Authentication of service requests using a communications initiation feature.
  30. Barak, Matan; Lewis, Todd; Mulhearn, Justin Robert, Authentication of service requests using a communications initiation feature.
  31. Diana, Marc; Pettersen, Per, Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers.
  32. Diana, Marc; Pettersen, Per, Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers.
  33. DeFrancesco,James R.; Freiman,Scott L.; Alsobrook, Jr.,James C.; Terpening,Steven M.; Mayers,Andrew L.; Mullin,Edward T.; Fritsche,Brian S.; DiClaudio,Michael C.; Brune, Jr.,Michael D.; Scott,Kristie, Automated credit application system.
  34. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing machine and method.
  35. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing system.
  36. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing system.
  37. Gustin, Robin Haley; Livingston, Troy W.; Park, Namsoo; Shekoory, Nabil, Automated document cashing system.
  38. Klein, Lawrence, Automated loan approval system.
  39. Klein, Lawrence, Automated loan approval system.
  40. Dhar, Kuldeep K.; Ahles, James; Dhar, Anupa, Automated loan processing system and method.
  41. Dhar, Kuldeep K.; Ahles, James; Dhar, Anupa, Automated loan processing system and method.
  42. 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.
  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. Barcelou, David M., Automated transaction machine.
  64. Barcelou, David M., Automated transaction machine.
  65. Barcelou, David M., Automated transaction machine.
  66. Nallasamy, Udhyakumar; Kajarekar, Sachin S.; Paulik, Matthias; Seigel, Matthew, Automatic accent detection using acoustic models.
  67. Norris Jeffrey A., Automatic financial account processing system.
  68. Davidson, Douglas R.; Ozer, Ali, Automatic language identification for dynamic text processing.
  69. Winer, Morgan, Automatic supplementation of word correction dictionaries.
  70. Foster, Chuck, Automatic termination of electronic transactions.
  71. Giuli, Richard D.; Treadgold, Nicholas K., Better resolution when referencing to concepts.
  72. Giuli, Richard D.; Treadgold, Nicholas K., Better resolution when referencing to concepts.
  73. Miller, Harold; Toghill, Julian Mark; Pham, Tuan, Billing workflow system for crediting charges to entities creating derivatives exposure.
  74. Miller, Harold; Toghill, Julian Mark; Pham, Tuan, Billing workflow system for crediting charges to entities creating derivatives exposure.
  75. Bennett, James D., Browser based language recognition supporting central web search translation.
  76. Naik, Devang K.; Mohamed, Ali S.; Chen, Hong M., Caching apparatus for serving phonetic pronunciations.
  77. Stinson Michael C. ; Templer ; Jr. John W. ; Clower Dyron, Cardless automated teller transactions.
  78. Bennett, James D.; Winslade, Christopher C., Centralized, online multi-seller interface system.
  79. Bennett, James D.; Winslade, Christopher C., Centralized, online multi-seller interface system.
  80. Blagg, Lynn Holm, Chasing rewards associated with accounts.
  81. Bellegarda, Jerome R., Combined statistical and rule-based part-of-speech tagging for text-to-speech synthesis.
  82. Newendorp, Brandon J.; Dibiase, Evan S., Competing devices responding to voice triggers.
  83. Bennett, James D.; Winslade, Christopher C., Competitive advertising and sales infrastructure.
  84. Wegerich, Stephan W., Complex signal decomposition and modeling.
  85. Brumbelow Michael J. ; Ehret Anthony C. ; Gregory Simon Charles,GBX ; Hojnacki Jeffrey ; Meil Douglas S. ; Polak Martin R. ; Varley Timothy Michael ; Williams Catherine Elizabeth,GBX, Composite banking desktop system.
  86. Neyman, Vladimir; Iaccheo, Steven; Jain, Neena; Shu, James; Howorka, Edward; Foray, Andrew; Merold, Michael, Compound order handling in an anonymous trading system.
  87. Neyman, Vladimir; Iaccheo, Steven; Jain, Neena; Shu, James; Howorka, Edward; Foray, Andrew; Merold, Michael, Compound order handling in an anonymous trading system.
  88. Neyman,Vladimir; Iaccheo,Steven; Jain,Neena; Shu,James; Howorka,Edward R.; Foray,Andrew P.; Merold,Michael S., Compound order handling in an anonymous trading system.
  89. DeFrancesco, James R.; Freiman, Scott L.; Agrawal, Arvind K., Computer implemented automated credit application analysis and decision routing system.
  90. DeFrancesco, James R.; Freiman, Scott L.; Agrawal, Arvind K., Computer implemented automated credit application analysis and decision routing system.
  91. DeFrancesco, James R.; Freiman, Scott L.; Agrawal, Arvind K., Computer implemented automated credit application analysis and decision routing system.
  92. Sinclair David A., Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network.
  93. Keithley, Thomas H., Computer-implemented method and system for dynamic consumer rating in a transaction.
  94. Talbert, Vincent W.; Keithly, Thomas H.; Hirschfeld, Daniel A.; Lavelle, Mark L., Computer-implemented method, system and apparatus for the dynamic verification of a consumer engaged in a transaction with a merchant and authorization of the transaction.
  95. Sullivan, Kevin, Computerized funding of a second financial account by a first financial card.
  96. Thomas, Neil, Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes.
  97. Thomas, Neil, Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes.
  98. Thomas, Neil, Computerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes.
  99. Ladd, Christine R.; Goodman, Sheilah A; Kopperman, Peter G., Computerized systems and methods for facilitating the flow of capital through the housing finance industry.
  100. Williams, Michael J.; Kopperman, Peter G.; Voth, David N.; Plotnick, Richard N.; Simon, Peter A.; Thurow, Kimberly J.; Koch, Michael W.; Schulz, Martin T., Computerized systems and methods for facilitating the flow of capital through the housing finance industry.
  101. Williams, Michael J.; Kopperman, Peter G.; Voth, David N.; Plotnick, Richard N.; Simon, Peter A.; Thurow, Kimberly J.; Koch, Michael W.; Schulz, Martin T., Computerized systems and methods for facilitating the flow of capital through the housing finance industry.
  102. Williams,Michael J.; Voth,David N.; Hirsch,Kimberly J.; Koch,Michael W.; Kopperman,Peter G.; Plotnick,Richard N.; Schulz,Martin T.; Simon,Peter A., Computerized systems and methods for facilitating the flow of capital through the housing finance industry.
  103. Bennett, James D.; Winslade, Christopher C., Computing system supporting online purchases.
  104. Lu, Samuel W.; Tang, Carlos M., Confidence index for assets.
  105. Keithley, Thomas H.; Talbert, Vincent W.; Lavelle, Mark L., Consumer processing system and method.
  106. Williams, Shaun E.; Mason, Henry G.; Krishnamoorthy, Mahesh; Paulik, Matthias; Agrawal, Neha; Kajarekar, Sachin S.; Uguroglu, Selen; Mohamed, Ali S., Context-based endpoint detection.
  107. Gruber, Thomas R.; Pitschel, Donald W., Context-sensitive handling of interruptions.
  108. Larson, Anthony L.; Dave, Swapnil R.; Varoglu, Devrim, Context-sensitive handling of interruptions.
  109. van Os, Marcel, Context-sensitive handling of interruptions by intelligent digital assistant.
  110. Stanley, Jennifer; Koenigsberg, Alan S.; Sandoval, Hector E., Coupon payment system.
  111. Boyle, Kevin; Maistre, Marty, Credit instrument and system providing multiple services including access to credit services and access to a service provider club.
  112. Gruber, Thomas R.; Cheyer, Adam J.; Pitschel, Donald W., Crowd sourcing information to fulfill user requests.
  113. Gruber, Thomas R.; Cheyer, Adam John; Pitschel, Donald W., Crowd sourcing information to fulfill user requests.
  114. Brake, Jr., Francis B.; Schwartz, Deborah; Zimmerman, Jennifer, Customer activated multi-value (CAM) card.
  115. Brake, Jr., Francis B.; Schwartz, Deborah; Zimmerman, Jennifer, Customer activated multi-value (CAM) card.
  116. Brake, Jr., Francis B.; Schwartz, Deborah; Zimmerman, Jennifer, Customer activated multi-value (CAM) card.
  117. Brake, Jr., Francis B.; Schwartz, Deborah; Zimmerman, Jennifer, Customer activated multi-value (CAM) card.
  118. Brake, Jr.,Francis B.; Schwartz,Deborah; Zimmerman,Jennifer, Customer activated multi-value (CAM) card.
  119. Brake, Jr.,Francis B.; Schwartz,Deborah; Zimmerman,Jennifer, Customer activated multi-value (CAM) card.
  120. Barron,Lydia; Alexion,Mary; Zamalin,Marina; Jahan,Shah; Berman,Michael E.; Ibikunle,Olutayo, Customer information management system and method.
  121. Pitroda, Satyan G.; Desai, Mehul, Data consolidation expert system for facilitating user control over information use.
  122. Phillips,Gregory Joseph; Deporte,Rebecca; Norwine,Jeffrey; Joines,Penny, Debit purchasing of stored value card for use by and/or deliveries to others.
  123. Phillips, Gregory Joseph; Deporte, Rebecca; Norwine, Jeffery A.; Joines, Penny B., Debit purchasing of stored value card for use by and/or delivery to others.
  124. Phillips, Gregory Joseph; Deporte, Rebecca; Norwine, Jeffery A.; Jones, Penny B., Debit purchasing of stored value card for use by and/or delivery to others.
  125. Phillips, Gregory Joseph; Deporte, Rebecca; Norwine, Jeffrey; Joines, Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  126. Phillips, Gregory Joseph; Deporte, Rebecca; Norwine, Jeffrey; Joines, Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  127. Phillips, Gregory Joseph; Deporte, Rebecca; Norwine, Jeffrey; Joines, Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  128. Phillips, Gregory Joseph; Deporte, Rebecca; Norwine, Jeffrey; Joines, Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  129. Phillips,Gregory Joseph; Deporte,Rebecca; Norwine,Jeffery A.; Joines,Penny B., Debit purchasing of stored value card for use by and/or delivery to others.
  130. Phillips,Gregory Joseph; Deporte,Rebecca; Norwine,Jeffrey; Joines,Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  131. Phillips,Gregory Joseph; Deporte,Rebecca; Norwine,Jeffrey; Joines,Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  132. Phillips,Gregory Joseph; Deporte,Rebecca; Norwine,Jeffrey; Joines,Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  133. Phillips,Gregory Joseph; Deporte,Rebecca; Norwine,Jeffrey; Joines,Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  134. Phillips,Gregory Joseph; Deporte,Rebecca; Norwine,Jeffrey; Joines,Penny, Debit purchasing of stored value card for use by and/or delivery to others.
  135. Rhoten, George; Treadgold, Nicholas K., Determining domain salience ranking from ambiguous words in natural speech.
  136. Cheyer, Adam John; Brigham, Christopher Dean; Guzzoni, Didier Rene, Determining user intent based on ontologies of domains.
  137. Cheyer, Adam J., Device access using voice authentication.
  138. Cheyer, Adam John, Device access using voice authentication.
  139. Piernot, Philippe P.; Binder, Justin G., Device voice control for selecting a displayed affordance.
  140. Carson, David A.; Keen, Daniel; Dibiase, Evan; Saddler, Harry J.; Iacono, Marco; Lemay, Stephen O.; Pitschel, Donald W.; Gruber, Thomas R., Device, method, and graphical user interface for enabling conversation persistence across two or more instances of a digital assistant.
  141. Fleizach, Christopher Brian; Gruber, Thomas Robert, Device, method, and user interface for voice-activated navigation and browsing of a document.
  142. Lindahl, Aram; Wood, Policarpo, Devices and methods for identifying a prompt corresponding to a voice input in a sequence of prompts.
  143. Raitio, Tuomo J.; Hunt, Melvyn J.; Richards, Hywel B.; Chinthakunta, Madhusudan, Digital assistant providing whispered speech.
  144. Pitroda, Satyan G.; Desai, Mehul, Direct personal mobile device user to service provider secure transaction channel.
  145. Pitroda, Satyan G.; Desai, Mehul, Direct user to ticketing service provider secure transaction channel.
  146. Henton, Caroline; Naik, Devang, Disambiguating heteronyms in speech synthesis.
  147. Guzzoni, Didier Rene; Cheyer, Adam John; Gruber, Thomas Robert; Brigham, Christopher Dean; Saddler, Harry Joseph, Disambiguation based on active input elicitation by intelligent automated assistant.
  148. Lamoureux, Bob; Jaminet, Paul; Shea, Edward; Kopikis, Alexis; Constantine, John B.; Kuntz, Matthew; Bremner, Todd; Moochhala, Zenobia, Distributed commerce system.
  149. Lamoureux, Bob; Jaminet, Paul; Shea, Edward; Kopikis, Alexis; Constantine, John B.; Kuntz, Matthew; Bremner, Todd; Moochhala, Zenobia, Distributed commerce system.
  150. Lamoureux,Bob; Jaminet,Paul; Shea,Edward; Kopikis,Alexis; Constantine, Jr.,John Boland; Kuntz,Matthew; Bremner,Todd; Moochhala,Zenobia, Distributed commerce system.
  151. Wyle, David A.; Hosek, William W., Document element indexing system.
  152. Budde, William; Miranda, Giancarlo; Nolan, Joseph Bradley, Drive-up financial transaction machine.
  153. Budde, William; Miranda, Giancarlo; Nolan, Joseph Bradley, Drive-up financial transaction machine.
  154. Barak, Matan; Shub, Amir, Dynamic user interface customization.
  155. Wyle, David A., Efficient work flow system and method for preparing tax returns.
  156. Wyle, David A., Efficient work flow system and method for processing taxpayer source documents.
  157. Wyle, David A., Efficient work flow system and method for processing taxpayer source documents.
  158. Wyle, David A., Efficient work flow system and method for processing taxpayer source documents.
  159. 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.
  160. Lamoureux, Bob; Constantine, John B.; Kopikis, Alexis; Bremmer, Todd; Shea, Edward; Kuntz, Matthew; Jaminet, Paul, Electronic commerce infrastructure system.
  161. Lamoureux,Bob; Jaminet,Paul; Shea,Edward; Kopikis,Alexis; Constantine, Jr.,John Boland; Kuntz,Matthew; Bremner,Todd, Electronic commerce infrastructure system.
  162. Kolls, H. Brock, Electronic commerce terminal connected to a vending machine operable as a telephone.
  163. Kolls, H. Brock, Electronic commerce terminal for facilitating incentive-based purchasing on transportation vehicles.
  164. Wagner, Oliver P., Electronic device with text error correction based on voice recognition data.
  165. Wagner, Oliver P., Electronic device with text error correction based on voice recognition data.
  166. Lindahl, Aram M., Electronic devices with voice command and contextual data processing capabilities.
  167. Lindahl, Aram M., Electronic devices with voice command and contextual data processing capabilities.
  168. Lindahl, Aram M., Electronic devices with voice command and contextual data processing capabilities.
  169. Lindahl, Aram M., Electronic devices with voice command and contextual data processing capabilities.
  170. Boemker, Tim; Keller, Mark; Schock, Chip; Kleingers, Mark E.; Huff, Phillip E.; Gieske, Terrance P.; Gersten, James D.; Danner, John E., Electronic document management system.
  171. Lamoureux, Bob; Jaminet, Paul; Kopikis, Alexis; Moochhala, Zenobia, Electronic sales system.
  172. Lamoureux,Bob; Jaminet,Paul; Kopikis,Alexis; Moochhala,Zenobia, Electronic sales system.
  173. Bennett, James D.; Winslade, Christopher C., Email promotion portal supporting buyer anonymity.
  174. Bellegarda, Jerome R., Entropy-guided text prediction using combined word and character n-gram language models.
  175. Pitroda, Satyan G.; Desai, Mehul, Establishing direct, secure transaction channels between a device and a plurality of service providers via personalized tokens.
  176. Pitroda, Satyan G.; Desai, Mehul, Establishing trust for conducting direct secure electronic transactions between a user and service providers.
  177. Bellegarda, Jerome, Exemplar-based latent perceptual modeling for automatic speech recognition.
  178. Futrell, Richard L.; Gruber, Thomas R., Exemplar-based natural language processing.
  179. Futrell, Richard L.; Gruber, Thomas R., Exemplar-based natural language processing.
  180. Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, Expert search.
  181. Pitroda, Satyan G.; Desai, Mehul, Facilitating a secure transaction over a direct secure transaction portal.
  182. Foss, Jr.,Sheldon H., Family stored value card program.
  183. Bellegarda, Jerome R.; Silverman, Kim E. A., Fast, language-independent method for user authentication by voice.
  184. Anderson, William P.; Geller, Jacob B.; Cunningham, G. Cotter; Rodgers, Kris; Mason, Brian, Financial information access system.
  185. Balk, Michael A.; Bruno, Daniel A. Cejudo; Nicol, Jennifer E., Financial institution portal system and method.
  186. Budde, William; Nolan, Joseph Bradley, Financial transaction machine.
  187. Foster Chuck, Financial transaction system.
  188. Stokum, Craig E.; Giglia, Charles J, Financing information processing system and method.
  189. Stokum, Craig E.; Giglia, Charles J., Financing information processing system and method.
  190. Bennett, James D.; Winslade, Christopher C., Forecast and demand based price calculation.
  191. Wegerich, Stephan W.; Pipke, R. Matthew; Wolosewicz, Andre, Generalized lensing angular similarity operator.
  192. Gruber, Thomas R.; Sabatelli, Alessandro F.; Pitschel, Donald W., Generating and processing task items that represent tasks to perform.
  193. Keane, Tim; Seifert, Dean; Grahmann, Jonathan, Generation systems and methods for transaction identifiers having biometric keys associated therewith.
  194. Keane, Tim; Seifert, Dean; Grahmann, Jonathan, Generation systems and methods for transaction identifiers having biometric keys associated therewith.
  195. Bennett, James D.; Winslade, Christopher C., Geographical and dispensing limits for E-promotions.
  196. Fleizach, Christopher Brian; Minifie, Darren C., Handling speech synthesis of content for multiple languages.
  197. Lutzen, Renee Elahi; Nauman, George; Weis, David G.; Kennedy, Beverly; Bartlett, Robyn, Health care eligibility verification and settlement systems and methods.
  198. Lutzen, Renee Elahi; Nauman, George; Weis, David G.; Kennedy, Beverly; Bartlett, Robyn, Health care eligibility verification and settlement systems and methods.
  199. Foo, Edwin W.; Hughes, Gregory F., Hearing assistance system for providing consistent human speech.
  200. Lent, Jeremy; Coltrell, Timothy; Reddi, Munnamgi S.; Tracy, Christopher O.; Huang, TaChung, Implementing a counter offer for an on line credit card application.
  201. Dhir, Nitin; Kappagantu, Ravi, In-bound telemarketing system for processing customer offers.
  202. McRae, Xuan; Roland, Mathew; Fan, George, Index for assessing discount potential.
  203. McRae, Xuan; Roland, Mathew; Fan, George, Index for assessing discount potential.
  204. Bennett, James D.; Winslade, Christopher C., Infrastructure supporting online transactions.
  205. Patton, John M., Integrated communication solution.
  206. Kennedy, William R.; Giglia, Charles J., Integrated electronic credit application, contracting and securitization system and method.
  207. Orr, Ryan M.; Nell, Garett R.; Brumbaugh, Benjamin L., Intelligent assistant for home automation.
  208. Gruber, Thomas Robert; Cheyer, Adam John; Kittlaus, Dag; Guzzoni, Didier Rene; Brigham, Christopher Dean; Giuli, Richard Donald; Bastea-Forte, Marcello; Saddler, Harry Joseph, Intelligent automated assistant.
  209. Gruber, Thomas Robert; Cheyer, Adam John; Kittlaus, Dag; Guzzoni, Didier Rene; Brigham, Christopher Dean; Giuli, Richard Donald; Bastea-Forte, Marcello; Saddler, Harry Joseph, Intelligent automated assistant.
  210. Os, Marcel Van; Saddler, Harry J.; Napolitano, Lia T.; Russell, Jonathan H.; Lister, Patrick M.; Dasari, Rohit, Intelligent automated assistant for TV user interactions.
  211. Van Os, Marcel; Saddler, Harry J.; Napolitano, Lia T.; Russell, Jonathan H.; Lister, Patrick M.; Dasari, Rohit, Intelligent automated assistant for TV user interactions.
  212. Orr, Ryan M.; Bernardo, Matthew P.; Mandel, Daniel J., Intelligent automated assistant for media exploration.
  213. Piersol, Kurt W.; Orr, Ryan M.; Mandel, Daniel J., Intelligent device arbitration and control.
  214. Booker, Susan L.; Krishnan, Murali; Weinberg, Garrett L.; Piercy, Aimee, Intelligent list reading.
  215. Fleizach, Christopher Brian; Hudson, Reginald Dean, Intelligent text-to-speech conversion.
  216. Fleizach, Christopher Brian; Hudson, Reginald Dean, Intelligent text-to-speech conversion.
  217. Fleizach, Christopher Brian; Hudson, Reginald Dean, Intelligent text-to-speech conversion.
  218. Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert; Brigham, Christopher Dean, Intent deduction based on previous user interactions with voice assistant.
  219. Lemay, Stephen O.; Sabatelli, Alessandro Francesco; Anzures, Freddy Allen; Chaudhri, Imran; Forstall, Scott; Novick, Gregory, Interface for a virtual digital assistant.
  220. Knight, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  221. Knight, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  222. Night, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  223. Alvin, Robert S., Internet business transaction processor.
  224. Alvin, Robert S., Internet business transaction processor.
  225. Cash, Jesse R.; Dave, Swapnil R.; Varoglu, Devrim, Interpreting and acting upon commands that involve sharing information with remote devices.
  226. Walsh, Timothy James; Olah, Donald Bradly, Issuing a value-bearing card associated with only non-personally identifying information.
  227. Walsh, Timothy James; Olah, Donald Bradly, Issuing a value-bearing card associated with only non-personally identifying information.
  228. Pitroda, Satyan G.; Desai, Mehul, Issuing an account to an electronic transaction device.
  229. Herzog, James P., Kernel-based method for detecting boiler tube leaks.
  230. Bellegarda, Jerome R.; Barman, Bishal, Language identification from short strings.
  231. Hatori, Jun; Yu, Dominic, Language input correction.
  232. Kemper, John L.; Nolan, III, William R., Loan commitment system and method.
  233. Price, Joanne; Mathur, Sumit; Mao, Paul, Lockbox imaging system.
  234. Price, Joanne; Mathur, Sumit; Mao, Paul, Lockbox imaging system.
  235. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  236. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  237. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  238. Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert; Brigham, Christopher Dean; Kittlaus, Dag, Maintaining context information between user interactions with a voice assistant.
  239. Crosthwaite, Dominic; Findlay, Lewis C., Managing risk associated with betting transactions.
  240. Arteaga,Carlos, Method and apparatus allowing a limited client device to use the full resources of a networked server.
  241. Lent, Jeremy R.; Lent, Mary; Meeks, Eric R.; Cai, Yinzi; Coltrell, Timothy J.; Dowhan, David W.; Gately, Dermot, Method and apparatus for a verifiable on line rejection of an applicant for credit.
  242. Lent,Jeremy R.; Lent,Mary; Meeks,Eric R.; Cai,Yinzi; Coltrell,Timothy J.; Dowhan,David W., Method and apparatus for a verifiable on line rejection of an applicant for credit.
  243. Lent,Jeremy R.; Lent,Mary; Meeks,Eric R.; Cai,Yinzi; Coltrell,Timothy J.; Dowhan,David W.; Gately,Dermot, Method and apparatus for a verifiable on line rejection of an applicant for credit.
  244. Lent, Jeremy R.; Lent, Mary; Meeks, Eric R.; Cai, Yinzi; Coltrell, Timothy J.; Dowhan, David W., Method and apparatus for a verifiable on line rejection of an application for credit.
  245. Lent Jeremy R. ; Lent Mary ; Meeks Eric R. ; Cai Yinzi ; Coltrell Timothy J. ; Dowhan David W., Method and apparatus for an account level offer of credit and real time balance transfer.
  246. McWilliam, Richard P.; Hagen, G. Lynn; Andrews, Robert G.; Hoerr, Matthew; Christianson, Adam; Demko, Brenton; Abrahams, William B.; Sutherland, Richard, Method and apparatus for authenticating unique items such as sports memorabilia.
  247. Stinson, Michael C.; Templer, Jr., John W.; Clower, Dyron, Method and apparatus for automatic cashing of a negotiable instrument.
  248. Stinson, Michael C.; Templer, Jr., John W.; Clower, Dyron, Method and apparatus for automatic check cashing.
  249. Stinson, Michael C.; Templer, Jr., John W.; Clower, Dyron, Method and apparatus for automatic check cashing.
  250. Cheyer, Adam; Guzzoni, Didier, Method and apparatus for building an intelligent automated assistant.
  251. Cheyer, Adam; Guzzoni, Didier, Method and apparatus for building an intelligent automated assistant.
  252. Grossman, David Daniel; Lamka, F. Neil; Seaburn, Matthew L., Method and apparatus for credit brokering for point-of-sale leasing.
  253. Paulik, Matthias; Evermann, Gunnar; Gillick, Laurence S., Method and apparatus for discovering trending terms in speech requests.
  254. Kastner, Steven Robert; Candalino, Ted G., Method and apparatus for enrolling gaming device players into a player-tracking system.
  255. Cox, Andrew; Sieber, Robert; Balding, Alison; Karunaratne, Anil; Chandumont, Jean-Christopher, Method and apparatus for evaluating a financial transaction.
  256. Cox, Andrew; Dellosso, Donna; Cisz, Mark; Bekker, Ela; Chandumont, Jean-Christopher; Dafni, Joseph, Method and apparatus for managing credit limits.
  257. Cox, Andrew; Chandumont, Jean-Christopher; Bainbridge, Dianne; Haas, Lauren, Method and apparatus for managing risk.
  258. Triola,C. Richard, Method and apparatus for processing escrow transactions.
  259. Jeremy R. Lent ; Mary Lent ; Eric R. Meeks ; Yinzi Cai ; Timothy J. Coltrell ; David W. Dowhan, Method and apparatus for real time on line credit approval.
  260. Gianakouros,Nicholas P.; Shaw,David E., Method and apparatus for the receipt, combination, and evaluation of equity portfolios for execution by a sponsor at passively determined prices.
  261. Lebda, Douglas; Stiegler, Richard, Method and computer network for co-ordinating a loan over the Internet.
  262. Barton, Thomas C.; Paulson, Jr., Harold, Method and system for automating fraud authorization strategies.
  263. Barton, Thomas C.; Paulson, Jr., Harold, Method and system for automating fraud authorization strategies.
  264. Lam, Duc; Wyman, Celeste; McRae, Xuan, Method and system for buyer centric dispute resolution in electronic payment system.
  265. Lam,Duc; Wyman,Celeste; McRae,Xuan (Sunny), Method and system for buyer centric dispute resolution in electronic payment system.
  266. Talbert, Vincent W.; Keithly, Thomas H.; Hirschfeld, Daniel A.; Lavelle, Mark L., Method and system for completing a transaction between a customer and a merchant.
  267. Talbert, Vincent W; Keithly, Thomas H; Hirschfeld, Daniel A; Lavelle, Mark L, Method and system for completing a transaction between a customer and a merchant.
  268. Chhabra,Ashvin Bonafede; Zaharoff,Alexander G., Method and system for computing path dependent probabilities of attaining financial goals.
  269. Lahav, Shlomo; Ron, Ofer, Method and system for creating a predictive model for targeting web-page to a surfer.
  270. Lahav, Shlomo; Ron, Ofer, Method and system for creating a predictive model for targeting web-page to a surfer.
  271. Lahav, Shlomo; Ron, Ofer, Method and system for creating a predictive model for targeting web-page to a surfer.
  272. Lahav, Shlomo, Method and system for creating a predictive model for targeting webpage to a surfer.
  273. Lahav, Shlomo, Method and system for creating a predictive model for targeting webpage to a surfer.
  274. Fredman, Marc Lawrence, Method and system for credit card reimbursements for health care transactions.
  275. Fredman,Marc Lawrence, Method and system for credit card reimbursements for health care transactions.
  276. 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.
  277. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  278. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  279. 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.
  280. 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.
  281. Cleary, Michael J.; Clifton, David A.; Ilijasic, Dean; Cohen, David C.; Rodgers, Kristine K., Method and system for distribution of unactivated bank account cards.
  282. Cleary, Michael; Clifton, David; Ilijasic, Dean; Cohen, David; Rodgers, Kristine, Method and system for distribution of unactivated bank account cards.
  283. Anderson, Milton M., Method and system for duplicate check detection.
  284. Anderson, Milton M., Method and system for duplicate check detection.
  285. Anderson, Milton M.; Scriven, Dieter, Method and system for duplicate detection.
  286. Heasley, Philip G.; Partel, Jr., Frank J., Method and system for dynamically adjusting discount rates for a card transaction.
  287. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  288. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  289. Keithley, Thomas H.; Whitford, Thomas E., Method and system for engaging in a transaction between a business entity and a merchant.
  290. Keithley, Thomas H.; Lavelle, Mark L.; Talbert, Vincent W., Method and system for engaging in a transaction between a consumer and a merchant.
  291. Sheehan, Mark; Acharya, Ravi, Method and system for expediting payment delivery.
  292. Sheehan, Mark; Acharya, Ravi, Method and system for expediting payment delivery.
  293. 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.
  294. 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.
  295. 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.
  296. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  297. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  298. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  299. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  300. Pletz,Tracy M.; Seidel,Howard C.; Rochford,Joseph, Method and system for implementing a card product with multiple customized relationships.
  301. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
  302. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
  303. Spielmann, Craig; Hutter, Maria; Klein, Joel; Singhani, Naresh, Method and system for managing risk.
  304. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risk.
  305. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risks.
  306. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale.
  307. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale.
  308. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale.
  309. Keithley, Thomas H., Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale.
  310. Barbara, Ellen; Jenkins, Antony, Method and system for on-line payments.
  311. Freeman, Daniel; Barrentine, Derek B., Method and system for operating a multi-function portable electronic device using voice-activation.
  312. Palumbo, Donald R.; Holmes, Leslie D., Method and system for pricing forward commitments for mortgage loans and for buying committed loans.
  313. Palumbo, Donald R.; Holmes, Leslie D., Method and system for pricing forward commitments for mortgage loans and for buying committed loans.
  314. Fogliano, Frank J.; Gniewosz, Dennis J.; Trupia, Paul Gerard; Striano, Riccardo M., Method and system for processing recurring payments.
  315. Freund, Peter C., Method and system for providing electronic bill payment and presentment.
  316. Noles, Michael K., Method and system for providing flexible financing.
  317. Noles, Michael K., Method and system for providing flexible financing.
  318. Ahmad, Farhan, Method and system for providing pre-approved targeted products.
  319. Lahav, Shlomo, Method and system for providing targeted content to a surfer.
  320. Lahav, Shlomo, Method and system for providing targeted content to a surfer.
  321. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  322. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  323. Keithley, Thomas H.; Talbert, Vincent W.; Lavelle, Mark L., Method and system for risk management in a transaction.
  324. Ramerth, Brent D.; Naik, Devang K.; Davidson, Douglas R.; Dolfing, Jannes G. A.; Pu, Jia, Method for disambiguating multiple readings in language conversion.
  325. Freeman,Charles J.; Xue,Xingxiong, Method for mortgage and closed end loan portfolio management.
  326. Paulik, Matthias; Huang, Rongqing, Method for supporting dynamic grammars in WFST-based ASR.
  327. Kolls, H. Brock, Method of constructing a digital content play list for transmission and presentation on a public access electronic terminal.
  328. Herzog, James P., Method of sequential kernel regression modeling for forecasting and prognostics.
  329. Kolls, H. Brock, Method of warehousing user data entered at an electronic commerce terminal.
  330. Kolls, H. Brock, Method to obtain customer specific data for public access electronic commerce services.
  331. Walker, Jay S.; Jorasch, James A., Method, apparatus, and program for customizing credit accounts.
  332. Tuchler, James; Crowe, Andrew, Methods and apparatus for allowing internet based purchases based on a temporary credit card number.
  333. Lee, Michael M., Methods and apparatus for altering audio output signals.
  334. Bellegarda, Jerome R., Methods and apparatuses for automatic speech recognition.
  335. McRae, Xuan; Lam, Duc; Roland, Matthew, Methods and systems for discounts management.
  336. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
  337. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
  338. Shachar, Haggai; Deichert, Jr., Robert William, Methods and systems for presenting specialized content using campaign metrics.
  339. 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.
  340. Lee, Michael M.; Gregg, Justin; Seguin, Chad G., Mobile device having human language translation capability with positional feedback.
  341. Lee, Michael M.; Gregg, Justin; Seguin, Chad G., Mobile device having human language translation capability with positional feedback.
  342. Paintin, Scott; Marr, Lance; Kloosterman, Michelle; Loevenguth, Rebecca; Scott, Diane, Money transfer system and messaging system.
  343. Paintin, Scott; Marr, Lance; Kloosterman, Michelle; Loevenguth, Rebecca; Scott, Diane, Money transfer system and messaging system.
  344. Herzog, James P., Monitoring method using kernel regression modeling with pattern sequences.
  345. Herzog, James P., Monitoring system using kernel regression modeling with pattern sequences.
  346. Kemper, John L.; Nolan, III, William R., Mortgage loan commitment system and method.
  347. McDonald, Russell W.; McDonald, II, Russell W., Mortgage loan data processing system and method for a loan broker.
  348. Gruber, Thomas R.; Saddler, Harry J.; Bellegarda, Jerome Rene; Nyeggen, Bryce H.; Sabatelli, Alessandro, Multi-command single utterance input method.
  349. Alvin,Robert S., Multi-level fraud check with dynamic feedback for internet business transaction processor.
  350. Bennett, James D.; Winslade, Christopher C., Multi-search infrastructure supporting advertising and internet search term reuse.
  351. Bennett, James D.; Winslade, Christopher C., Multi-seller sales system supporting multiple sales portals and promotion systems.
  352. Wyle, David A.; Karkare, Makarand, Multi-stage, multi-user engagement submission and tracking process.
  353. Wyle, David A.; Karkare, Makarand, Multi-stage, multi-user engagement submission and tracking process.
  354. Mason, James Eric; Boettcher, Jesse, Multi-tiered voice feedback in an electronic device.
  355. Mason, James Eric; Boettcher, Jesse, Multi-tiered voice feedback in an electronic device.
  356. Bellegarda, Jerome R.; Davidson, Douglas R., Multilingual word prediction.
  357. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  358. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  359. Sullivan, Kevin, Mutual fund card method and system.
  360. Naik, Devang K., Name recognition system.
  361. Naik, Devang K., Name recognition system.
  362. Hsu,Cheng; Boonjing,Veera, Natural language interface using constrained intermediate dictionary of results.
  363. Bennett, James D.; Winslade, Christopher C., Network infrastructure supporting a multi-seller promotion and transaction environment.
  364. Hildreth, Diana G., Network-based financial planning system and method.
  365. Bleunven, Daniel; Karotsch, Eliane; Dalban, Christian; Miller, Andrew D J, Network-based sub-allocation systems and methods for swaps.
  366. Bleunven, Daniel; Karotsch, Eliane; Dalban, Christian; Miller, Andrew D J, Network-based sub-allocation systems and methods for swaps.
  367. Dhar,Kuldeep K.; Ahles,James; Dhar,Anupa, Object based workflow system and method.
  368. Barak, Matan; Kehat, Arnon-Naftally; Yagil, Noam, Occasionally-connected computing interface.
  369. Barak, Matan; Kehat, Arnon-Naftally; Yagil, Noam, Occasionally-connected computing interface.
  370. Lascelles, Scott; Ludlam, Jay; Chang, Ricky; Meeks, Eric R., On-line balance transfers.
  371. Ireland, Leigh-Anne T.; Strand, Marilyn; Goldberg, Michele; Winzer, Etienne, On-line higher education financing system.
  372. Novak, Christopher S.; D'Angelo, Michael; Giancola, Tom, Online interactive and partner-enhanced credit card.
  373. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting buyer affordability screening.
  374. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
  375. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
  376. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
  377. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting lenders with affordability screening.
  378. Bennett, James D.; Winslade, Christopher C., Online purchasing system supporting sellers with affordability screening.
  379. Greene, David; Mierzwa, Dennis; Abukhater, Ayman; Sievert, Michael, Online trading system having real-time account opening.
  380. Greene, David; Mierzwa, Dennis; Abukhater, Ayman; Sievert, Michael, Online trading system having real-time account opening.
  381. Gruber, Thomas Robert; Saddler, Harry Joseph; Cheyer, Adam John; Kittlaus, Dag; Brigham, Christopher Dean; Giuli, Richard Donald; Guzzoni, Didier Rene; Bastea-Forte, Marcello, Paraphrasing of user requests and results by automated digital assistant.
  382. Bellegarda, Jerome R., Parsimonious continuous-space phrase representations for natural language processing.
  383. Bellegarda, Jerome R.; Yaman, Sibel, Parsimonious handling of word inflection via categorical stem + suffix N-gram language models.
  384. Bellegarda, Jerome, Part-of-speech tagging using latent analogy.
  385. Hamilton, Daniel Lee; McMichael, Jr., William Richard; Pigg, Esther J.; Webber, Cathy E.; Dreyer, Hans D., Payment processing with payee risk management.
  386. Hamilton, Daniel Lee; McMichael, Jr., William Richard; Pigg, Esther J.; Webber, Cathy E.; Dreyer, Hans D., Payment processing with selection of a risk reduction technique.
  387. Bennett, James D.; Winslade, Christopher C., Persistence mechanism for facilitating online transactions.
  388. Pranger, Eugene P., Personal teller system and method of remote interactive and personalized banking.
  389. Pranger, Eugene P., Personal teller system for remote interactive and personalized banking.
  390. Rielly, William S.; Erlich, Leslie D.; Acharya, Ravi; Goldman, Dmitry, Personalized bank teller machine.
  391. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network architecture.
  392. Patel,Ameet; Holme,Jennifer; Caiazzo,Anthony, Personalized interactive network architecture.
  393. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network with multiple channels coupled to integrated knowledge management system.
  394. Chen, Lik Harry; Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert, Personalized vocabulary for digital assistant.
  395. Wang, Xin; Ramerth, Brent D., Predictive conversion of language input.
  396. Dolfing, Jannes; Ramerth, Brent; Davidson, Douglas; Bellegarda, Jerome; Moore, Jennifer; Eminidis, Andreas; Shaffer, Joshua, Predictive text input.
  397. Gruber, Thomas Robert; Cheyer, Adam John; Guzzoni, Didier Rene; Brigham, Christopher Dean; Saddler, Harry Joseph, Prioritizing selection criteria by automated assistant.
  398. Paulik, Matthias; Mason, Henry G.; Seigel, Matthew S., Privacy preserving distributed evaluation framework for embedded personalized systems.
  399. Martel, Mathieu Jean; Deniau, Thomas, Proactive assistance based on dialog communication between devices.
  400. Rau, Scott W.; Knackstedt, Lee, Processing transactions using a register portion to track transactions.
  401. Bennett, James D.; Winslade, Christopher C., Promotion data and codes supporting redemption processing.
  402. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure having dispensing controls.
  403. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure having dual input and dual output interface.
  404. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure having third party posting service.
  405. Bennett, James D.; Winslade, Christopher C., Promotion infrastructure supporting selected and emailed promotion delivery.
  406. Bennett, James D.; Winslade, Christopher C., Promotion system supporting emailed promotions and at seller premises transaction completion.
  407. Bennett, James D.; Winslade, Christopher C., Promotion system supporting emailed promotions and at seller premises transaction completion.
  408. Bennett, James D.; Winslade, Christopher C., Promotion system supporting emailed promotions with transaction accounting.
  409. Bennett, James D.; Winslade, Christopher C., Promotion system supporting web content and promotion searching.
  410. Arpin, Jeffrey L.; Dick, Michael W.; Edgar, Thomas P.; Hunt, Brian, Property investment rating system and method.
  411. Arpin, Jeffrey L.; Dick, Michael W.; Edgar, Thomas P.; Hunt, Brian, Property investment rating system and method.
  412. Kim, Yoon, Providing an indication of the suitability of speech recognition.
  413. Yanagihara, Kazuhisa, Providing text input using speech data and non-speech data.
  414. Yanagihara, Kazuhisa, Providing text input using speech data and non-speech data.
  415. Pettersen, Per, Ranking system using instant post-transaction surveying of transaction judges.
  416. Cunningham,Gordon Cotter, Real-time financial card offer and application system.
  417. Piernot, Philippe P.; Binder, Justin G., Reducing the need for manual start/end-pointing and trigger phrases.
  418. Hines, J. Wesley, Robust distance measures for on-line monitoring.
  419. Van Beaumont, Eric; Bradley, Jerome A.; LaRose, Rene′ Jeanne; Plozay, Molly; Miloni Thiele, Kerry Ann; Frerichs, Doug; Meyers, Stephen M.; McCarthy, James Alan; Schwartz, Kenneth, Rules management systems and methods.
  420. Bennett, James D.; Winslade, Christopher C., Sales channel management infrastructure.
  421. Bennett, James D.; Winslade, Christopher C., Sales promotion system supporting a plurality of differing sellers.
  422. Bennett, James D.; Winslade, Christopher C., Sales promotion system supporting a plurality of sellers.
  423. Bennett, James D.; Winslade, Christopher C., Sales promotion system supporting coupon link in multi-seller environment.
  424. Bennett, James D.; Winslade, Christopher C., Sales promotion system with secondary sales server system.
  425. Bennett, James D., Search engine supporting mixed image and text search input.
  426. Bennett, James D., Search engine with geographical verification processing.
  427. Bennett, James D., Search system employing multiple image based search processing approaches.
  428. Bennett, James D., Search system using source and target image categorization.
  429. Blossom, George, Selectable multi-purpose card.
  430. Blossom, George, Selectable multi-purpose card.
  431. Blossom,George, Selectable multi-purpose card.
  432. Blossom,George, Selectable multi-purpose card.
  433. Blossom,George, Selectable multi-purpose card.
  434. Hyde ; Jr. Thomas A., Self service method of and system for cashing checks.
  435. Foote, Douglas S.; MacLeod, Rory W., Self service terminal.
  436. Alvarez, David R.; Shapiro, Mitchell A., Self-service money remittance with an access card.
  437. Bennett, James D.; Winslade, Christopher C., Seller promotion creation and modification.
  438. Bennett, James D.; Winslade, Christopher C., Seller selection of content for promotion creation.
  439. Moore, Jennifer Lauren; Naik, Devang K.; Bellegarda, Jerome R.; Aitken, Kevin Bartlett; Silverman, Kim E., Semantic search using a single-source semantic model.
  440. Alvin, Robert S., Sending targeted product offerings based on personal information.
  441. Bellegarda, Jerome, Sentiment prediction from textual data.
  442. Jemella, Donald F.; Montevago, Franca; Mannino, John J; Mirabella, Loretta, Service charge adjustment platform.
  443. Cheyer, Adam John; Guzzoni, Didier Rene; Gruber, Thomas Robert; Brigham, Christopher Dean, Service orchestration for intelligent automated assistant.
  444. Naik, Devang K.; Piernot, Philippe P., Social reminders.
  445. Naik, Devang K.; Piernot, Philippe P., Social reminders.
  446. Kim, Yoon; Kajarekar, Sachin S., Speaker identification and unsupervised speaker adaptation techniques.
  447. Hunt, Melvyn; Bridle, John, Speech recognition involving a mobile device.
  448. Chen, Lik Harry, Speech recognition repair using contextual information.
  449. Barash, Kenneth, Speech recognition system for interactively gathering and storing verbal information to generate documents.
  450. Slater, Kim Michele, Sponsor funded stored value card.
  451. Slater,Kim Michele, Sponsor funded stored value card.
  452. Kolls, H. Brock, Store display window connected to an electronic commerce terminal.
  453. Knackstedt, Lee; Rau, Scott, Stored value card provided with merchandise as rebate.
  454. Sumner, Michael R.; Newendorp, Brandon J.; Orr, Ryan M., Structured dictation using intelligent automated assistants.
  455. Bennett, James D., Support for international search terms—translate as you crawl.
  456. Louie, Edmund H.; Campbell, Michael X., Syndication loan administration and processing system.
  457. Freund, Peter C., Synthetic funds having structured notes.
  458. Freund, Peter C., Synthetic funds having structured notes.
  459. Freund, Peter C., Synthetic funds having structured notes.
  460. Sullivan,Kevin, System and method for a card benefit program providing benefits to program members based on program performance.
  461. Sullivan,Kevin, System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance.
  462. Sullivan, Kevin M., System and method for administering a brokerage rebate card program.
  463. Shachar, Haggai; Nechmad, Shahar, System and method for applying tracing tools for network locations.
  464. French, Jennifer; Wilder, Jone, System and method for authentication of network users.
  465. French,Jennifer; Wilder,Jone, System and method for authentication of network users.
  466. Jennifer French ; Jone Wilder, System and method for authentication of network users.
  467. 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.
  468. Riseman,Milton, System and method for automatically processing loan applications.
  469. Boyle, Kevin; Maistre, Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  470. Boyle,Kevin; Maistre,Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  471. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  472. Buisman,William J.; Cohen,Gary; Fox,Steven R.; Kruse,Charles; Sulpizio,Christine, System and method for converting information on paper forms to electronic data.
  473. Kemper, John L.; Simonds, Jr., John A.; Mathewson, Mark D.; Singh, Navdeep, System and method for creating and tracking agreements for selling loans to a secondary market purchaser.
  474. Kemper,John L.; Simonds, Jr.,John A.; Mathewson,Mark D.; Singh,Navdeep, System and method for creating and tracking agreements for selling loans to a secondary market purchaser.
  475. Wyle, David A., System and method for creating cross-reference links, tables and lead sheets for tax return documents.
  476. Butler, Sheila S.; Schwarz, Jr., Charles E., System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag.
  477. 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.
  478. Karidi, Ron; Shalom, Dan Bar; Zucker, Amir; Goldberg, Tal; Mermelstein, Joseph, System and method for design and dynamic generation of a web page.
  479. Karidi, Ron; Shalom, Dan Bar; Zucker, Amir; Goldberg, Tal; Mermelstein, Joseph, System and method for design and dynamic generation of a web page.
  480. Merced,Angel; Webb,Timothy A.; Senz,SueAnne; Bathula,Chakravarthi S.; Hoffman,Lou Ann; Rita,Anthony E.; Buckner,Kevin D., System and method for detecting and processing fraud and credit abuse.
  481. Sinha, Anoop K., System and method for detecting errors in interactions with a voice-based digital assistant.
  482. 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.
  483. Simon,Scott Howard; Woodall,Nancy W.; Nikithser,Michael F.; Forst,Jon K.; Shields,Gregory, System and method for determining eligibility and enrolling members in various programs.
  484. Allen, Debora L.; Arce, Andrew; Hogan, Debra Ann; Anderson, Mark Gregory; LaForgia, Michael Joseph; Prabhakar, Ashish, System and method for developing finance rate information.
  485. Carnahan,John; Wallace,Bill, System and method for dynamic, multivariable comparison of financial products.
  486. Carnahan,John; Wallace,Bill, System and method for dynamic, multivariable comparison of financial products.
  487. Lavi, Asaf; Dimenstein, Efim; Campo, Eli, System and method for dynamically enabling customized web content and applications.
  488. Foss, Jr., Sheldon H.; James, Jr., Dennis H., System and method for dynamically managing a financial account.
  489. Lam, Duc; Roland, Matthew; McRae, Xuan (Sunny), System and method for electronic authorization of batch checks.
  490. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  491. 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.
  492. 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.
  493. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
  494. Roberts, Andrew J.; Martin, David L.; Saddler, Harry J., System and method for emergency calls initiated by voice command.
  495. Zirkel George S., System and method for enabling a merchant to apply for a credit card processing account using the internet.
  496. 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.
  497. Crosthwaite, Dominic; Findlay, Lewis C., System and method for establishing and providing access to an online account.
  498. 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.
  499. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, System and method for facilitating communication.
  500. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, System and method for facilitating interactions.
  501. Gang, John E.; Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for facilitating sale of a loan to a secondary market purchaser.
  502. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  503. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  504. Sanders, Shelley F.; Bowers, Theodore, System and method for funding a collective account.
  505. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  506. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  507. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  508. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  509. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  510. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  511. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  512. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  513. 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.
  514. 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.
  515. 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.
  516. Iasello, Anthony; Jung, Philip H.; Chandarana, Samik; Bhatia, Kapil; Machado, Jr., Robert P.; Simon, Doron; Bennett, Stephen Wayne; Zhang, Chet; Michelson, Gary; Coolen, Paul; Smith, Mitchell, System and method for generating risk management curves.
  517. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  518. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  519. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  520. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
  521. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  522. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  523. Sheley, William S., System and method for granting promotional rewards to financial account holders.
  524. Wyle, David A.; Karkare, Makarand, System and method for grouping and organizing pages of an electronic document into pre-defined categories.
  525. Rosko, Robert J., System and method for implementing a consolidated application process.
  526. Rosko, Robert J., System and method for implementing a consolidated application process.
  527. Rosko, Robert J., System and method for implementing a consolidated application process.
  528. Evermann, Gunnar, System and method for inferring user intent from speech inputs.
  529. Pletz, Tracy; Callahan, William T., System and method for integrated customer management.
  530. Pletz, Tracy; Callahan, William T., System and method for integrated customer management.
  531. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  532. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  533. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  534. Hirka, Jeffrey L.; Fox, Steven J., System and method for linked account having sweep feature.
  535. Hunter, Jeanne M.; Houle, Jocelyn; Srivastav, Sarmila; Rachakonda, Parvathi D.; Mountain, James L., System and method for management of delegated real estate project reviews.
  536. Weber, Phillip J.; Neill, Edwin B.; Hunt, Brian K., System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments.
  537. Borgia,Evelyn; Miller,Jodi; De Gottal,Graham; O'Connor,Christine, System and method for managing global risk.
  538. Wyle,David A.; Karkare,Makarand, System and method for managing login resources for the submission and performance of engagements.
  539. Calil, Cassio; Coughlan, Guy; Epstein, David, System and method for managing risk.
  540. Burgis, Adam; Findlay, Lewis C., System and method for managing risk associated with product transactions.
  541. Burgis, Adam; Findlay, Lewis C., System and method for managing risk associated with product transactions.
  542. Burgis, Adam; Findlay, Lewis C., System and method for managing risk associated with product transactions.
  543. Breslin, Jodi; Borgia, Evelyn; de Gottal, Graham, System and method for managing risks associated with outside service providers.
  544. Crosthwaite, Dominic; Findlay, Lewis C., System and method for managing trading order requests.
  545. Beard, Mark L, System and method for measuring and utilizing pooling analytics.
  546. Beard, Mark L., System and method for measuring and utilizing pooling analytics.
  547. Oppenheimer, Dror; Bastnagel, Maryann, System and method for modifying attribute data pertaining to financial assets in a data processing system.
  548. Oppenheimer, Dror; Bastnagel, Maryann, System and method for modifying attribute data pertaining to financial assets in a data processing system.
  549. Voth, David N.; Simon, Peter A.; Plotnick, Richard N.; Youngman, Scott; Fulcher, Patricia D.; Alvarez, Neiman; Huffman, Andrew; Harrell, Anne; Saad, George; Kane, Michael J., System and method for mortgage loan pricing, sale and funding.
  550. Feingold, Vincent, System and method for multi-dimensional risk analysis.
  551. 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.
  552. Scott, Kelly W., System and method for network-based project management.
  553. Levine,Adam Michael; Pederson,Shane P.; Lau,Tak Wing (Edward), System and method for offer management.
  554. Levine, Adam Michael; Bellur, Nagendra Krishnamurthy; Pisolkar, Sourabh, System and method for offer targeting.
  555. Taylor,James W.; Coro,Luz Maria, System and method for offering a financial product.
  556. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  557. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
  558. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan (Sunny), System and method for payer (buyer) defined electronic invoice exchange.
  559. Karidi, Ron, System and method for performing follow up based on user interactions.
  560. Karidi, Ron, System and method for performing follow up based on user interactions.
  561. Karidi, Ron, System and method for performing follow up based on user interactions.
  562. Karidi, Ron, System and method for performing follow up based on user interactions.
  563. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  564. Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for pricing loans in the secondary mortgage market.
  565. Nolan, III, William R.; Kemper, John L.; Voth, David N.; Kopperman, Peter G., System and method for pricing loans in the secondary mortgage market.
  566. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.
  567. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.
  568. Flaxman, David R.; Tantoco-Hobbs, Minerva L.; Kobus, Anne M. Murphy; Koch, Michael W.; Packer, Daniel; Plofchan, Peter G.; Pomeroy, Richard C., System and method for processing a loan.
  569. Oppenheimer, Dror; Bastnagel, Maryann; Kemper, John L.; Simonds, Jr., John A.; Mathewson, Mark D.; Singh, Navdeep, System and method for processing data pertaining to financial assets.
  570. Oppenheimer, Dror; Bastnagel, Maryann; Nixon, Jr., William P., System and method for processing data pertaining to financial assets.
  571. Oppenheimer, Dror; Bastnagel, Maryann; Nixon, Jr., William P., System and method for processing data pertaining to financial assets.
  572. Raines, Franklin D.; St. John, Julie G.; Quinn, Michael A.; Lewis, Robert A.; Farrell, William F.; Kemper, John L., System and method for processing data pertaining to financial assets.
  573. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  574. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  575. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  576. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing mircotransactions.
  577. Pletz, Tracy; Rochford, Joseph, System and method for processing qualified healthcare account related financial transactions.
  578. Sorem, Steve, System and method for processing transactions.
  579. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  580. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  581. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  582. Crosthwaite, Dominic; Findlay, Lewis C., System and method for providing an intermediary for a transaction.
  583. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  584. Comiskey,Stephen W.; Meyers,Timothy H., System and method for providing financial services to high net worth individuals.
  585. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  586. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
  587. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
  588. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
  589. Hamilton, Stacy M.; Rossiter, Janet L., System and method for providing promotional pricing.
  590. Hamilton,Stacy M.; Rossiter,Janet L., System and method for providing promotional pricing.
  591. Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
  592. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  593. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  594. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  595. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  596. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  597. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  598. Crosthwaite, Dominic; Findlay, Lewis C., System and method for sports betting.
  599. Siegel, Rebecca Lynn; Finocchiaro, Jeffrey David; Herberger, William Fredrick, System and method for supervising account management operations.
  600. Downey, Christopher T., System and method for tracking and facilitating analysis of variance and recourse transactions.
  601. Downey, Christopher T., System and method for tracking and facilitating analysis of variance and recourse transactions.
  602. Akers, David J., System and method for tracking game of chance proceeds.
  603. Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
  604. Palumbo, Donald R.; Carter, Thomas J.; Dixon, Amelia M.; Keller, Kathleen P.; Jozwiak, John J., System and method for transferring mortgage loan servicing rights.
  605. Palumbo, Donald R.; Carter, Thomas J.; Dixon, Amelia M.; Keller, Kathleen P.; Jozwiak, John J., System and method for transferring mortgage loan servicing rights.
  606. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  607. White, Tanya M.; Mann, III, William F., System and method for universal instant credit.
  608. Naik, Devang K.; Tackin, Onur E., System and method for updating an adaptive speech recognition model.
  609. Naik, Devang K.; Gruber, Thomas R.; Weiner, Liam; Binder, Justin G.; Srisuwananukorn, Charles; Evermann, Gunnar; Williams, Shaun Eric; Chen, Hong; Napolitano, Lia T., System and method for user-specified pronunciation of words for speech synthesis and recognition.
  610. Naik, Devang K.; Gruber, Thomas R.; Weiner, Liam; Binder, Justin G.; Srisuwananukorn, Charles; Evermann, Gunnar; Williams, Shaun Eric; Chen, Hong; Napolitano, Lia T., System and method for user-specified pronunciation of words for speech synthesis and recognition.
  611. Fellner,Debra C., System and method for using a stored value account having subaccount feature.
  612. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  613. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  614. Kemper, John L.; Coleman, David A., System and method for verifying loan data at delivery.
  615. Kemper, John L.; Coleman, David A., System and method for verifying loan data at delivery.
  616. Fairclough,John F.; Dragowski,Tadeusz J.; Inostroza,Oscar; Hyman,Karen R.; Saberi,Kamyar; Galarraga,Murray; Calkins,Richard; Kownacki,Suavek; Gutierrez,Esteban; Blake,Robert, System and method for verifying, setting, printing and guaranteeing checks at a remote location.
  617. Freishtat, Gregg; Hufford, Steve; McFall, Dodge; Wilson, Jackson; Hyman, Tanya; Rijsinghani, Vikas; Kaib, Paul, System and methods for facilitating object assignments.
  618. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, System and methods for searching and communication.
  619. Freund, Peter C., System and process for performing purchase transactions using tokens.
  620. Haertel, Scott, System for authorizing credit use.
  621. Blagg, Lynn; Rodin, Michael F., System for distributing funds.
  622. Diana, Marc; Pettersen, Per, System for implementing automated open market auctioning of leads.
  623. Anderson,William P.; Geller,Jacob B., System for on-line financial services using distributed objects.
  624. Anderson,William P.; Geller,Jacob B., System for on-line financial services using distributed objects.
  625. Herzog, James P., System of sequential kernel regression modeling for forecasting and prognostics.
  626. Bennett, James D.; Winslade, Christopher C., System supporting promotion browsing and searching.
  627. Bennett, James D.; Winslade, Christopher C., System supporting seller's promotion creation.
  628. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  629. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  630. Anderson, Russell Wayne, Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data.
  631. James, Bryan; Herman, Kenneth; Rogers, Matthew L., Systems and methods for determining the language to use for speech generated by a text to speech engine.
  632. Pittroff,Fredrick L., Systems and methods for enterprise based issuance of identification cards.
  633. Barak, Matan; Schorzman, Julius; Ninio, Nir Holtzman; Goldstein, Uri, Systems and methods for facilitating participation.
  634. Voth, David N.; Plotnick, Richard N.; Kopperman, Peter G.; Herron, Caroline R.; Derwin, John A.; Goodman, Sheilah A.; Watson, Michelle Y.; McDonald, Laura L.; Schamber, Elizabeth H.; McGhee, Richard J., Systems and methods for facilitating the flow of capital through the housing finance industry.
  635. Aidasani, Dilip; Alderfer, Kimberly; King, Kate T.; Parekh, Anup Anil; Rajwani, Abbas-Ali Hassan; Rolinson, Stuart, Systems and methods for generating and using a digital pass.
  636. Alvarez, David R.; Shapiro, Mitchell A., Systems and methods for generating revenue from banking transactions using a stored-value card.
  637. Alvarez, David R.; Shapiro, Mitchell A.; Elliott, James V., Systems and methods for identifying and verifying a user of a kiosk using an external verification system.
  638. Gupta, Sandeep; Reid, James R.; Welsh, Matthew P.; Cothran, Shannon M.; Das, Sharmistha, Systems and methods for managing statistical expressions.
  639. Alvarez, David R.; Shapiro, Mitchell A., Systems and methods for money sharing.
  640. Naik, Devang K., Systems and methods for name pronunciation.
  641. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.
  642. Keen, Daniel, Systems and methods for recognizing textual identifiers within a plurality of words.
  643. Bellegarda, Jerome; Naik, Devang; Silverman, Kim, Systems and methods for selective text to speech synthesis.
  644. Bellegarda, Jerome R.; Yaman, Sibel, Systems and methods for structured stem and suffix language models.
  645. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  646. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  647. Freishtat, Gregg; Hufford, Steve; McFall, Dodge; Wilson, Jackson; Hyman, Tanya; Rijsinghani, Vikas; Kaib, Paul, Systems and methods to facilitate selling of products and services.
  648. Freishtat, Gregg; Hufford, Steve; Mcfall, Dodge; Wilson, Jackson; Hyman, Tanya; Rijsinghani, Vikas; Kaib, Paul, Systems and methods to facilitate selling of products and services.
  649. Leitner, Stephen; Hughes, Fred; Manthey, Keith W.; Ferber, David A.; Dickson, John M.; Kennedy, Reuben S.; Franklin, Kevin M.; Nailor, Mark, Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data.
  650. Sanford, Kirk Edward; Sears, Thomas Michael; Connelly, Jr., Robert Vincent, Systems for enhancing funding of gaming.
  651. Sanford, Kirk Edward; Sears, Thomas Michael; Connelly, Jr., Robert Vincent, Systems for enhancing funding of gaming.
  652. Triola, C. Richard, Systems, apparatus, and method re escrow data and documentation.
  653. Neels, Alice E.; Jong, Nicholas K., Text correction processing.
  654. Willmore, Christopher P.; Jong, Nicholas K.; Hogg, Justin S., Text prediction using combined word N-gram and unigram language models.
  655. Vieri, Riccardo; Vieri, Flavio, Text to speech conversion of text messages from mobile communication devices.
  656. Hoffman,Ned, Tokenless identification system for authorization of electronic transactions and electronic transmissions.
  657. Loy, John J., Trade receivable processing method and apparatus.
  658. Loy, John J., Trade receivable processing method and apparatus.
  659. Loy, John J., Trade receivable processing method and apparatus.
  660. Loy,John J., Trade receivable processing method and apparatus.
  661. Pitschel, Donald W.; Cheyer, Adam J.; Brigham, Christopher D.; Gruber, Thomas R., Training an at least partial voice command system.
  662. Field, Manning R.; Reinhard, Walter Brent, Transaction device.
  663. Rhiando,Maxwell Earl, Transaction system.
  664. Kalb, Aaron S.; Perry, Ryan P.; Alsina, Thomas Matthieu, Translating phrases from one language into another using an order-based set of declarative rules.
  665. Bellegarda, Jerome R., Unified ranking with entropy-weighted information for phrase-based semantic auto-completion.
  666. Raitio, Tuomo J.; Prahallad, Kishore Sunkeswari; Conkie, Alistair D.; Golipour, Ladan; Winarsky, David A., Unit-selection text-to-speech synthesis based on predicted concatenation parameters.
  667. Jeon, Woojay, Unit-selection text-to-speech synthesis using concatenation-sensitive neural networks.
  668. Kolls, H. Brock, Universal interactive advertising and payment system network for public access electronic commerce and business related products and services.
  669. Kolls, H. Brock, Universal interactive advertizing and payment system for public access electronic commerce and business related products and services.
  670. Bellegarda, Jerome R., Unsupervised document clustering using latent semantic density analysis.
  671. Desai, Mehul; Pitroda, Satyan G.; Maniar, Nehal, Updating a widget that was deployed to a secure wallet container on a mobile device.
  672. Haughay, Allen P., User profiling for selecting user specific voice input processing information.
  673. Haughay, Allen P., User profiling for voice input processing.
  674. Haughay, Allen P., User profiling for voice input processing.
  675. Haughay, Allen P., User profiling for voice input processing.
  676. Gruber, Thomas Robert; Brigham, Christopher Dean; Keen, Daniel S.; Novick, Gregory; Phipps, Benjamin S., Using context information to facilitate processing of commands in a virtual assistant.
  677. Gruber, Thomas Robert; Cheyer, Adam John; Guzzoni, Didier Rene, Using event alert text as input to an automated assistant.
  678. Simons, Paul, Variable rate payment card.
  679. Simons, Paul, Variable rate payment card.
  680. Colson, Christen J., Verification and authentication systems and methods.
  681. Colson, Christen J., Verification and authentication systems and methods.
  682. Lemay, Stephen O.; Newendorp, Brandon J.; Dascola, Jonathan R., Virtual assistant activation.
  683. Fleizach, Christopher B., Voice control to diagnose inadvertent activation of accessibility features.
  684. Binder, Justin; Post, Samuel D.; Tackin, Onur; Gruber, Thomas R., Voice trigger for a digital assistant.
  685. Badaskar, Sameer, Voice-based media searching.
  686. Badaskar, Sameer, Voice-based media searching.
  687. Hankins, Matthew; Mann, III, William; Dickelman, Mark, Waterfall prioritized payment processing.
  688. Bennett, James D.; Winslade, Christopher C., Web search and promotion search engine integration.
  689. Bennett, James D., Web search with multi-language search input translation.
  690. Bennett, James D., Web search with visited web page search result restrictions.
  691. Bennett, James D., Whois server verifying whois records and search engine accesses.
  692. DeFrancesco, Jr., James R.; Fingerhuth, Amy; Freiman, Scott; Rusk, Geoffrey; Terpening, Steven, Workflow management system for an automated credit application system.
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