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Integrated bill consolidation, payment aggregation, and settlement system

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/60
출원번호 US-0976204 (1997-11-21)
발명자 / 주소
  • Watson Craig Michael
출원인 / 주소
  • Watson
  • Craig Michael
대리인 / 주소
    Schaafsma
인용정보 피인용 횟수 : 407  인용 특허 : 24

초록

The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households or small businesses and the service establishments (principally utilities, financial inst

대표청구항

[ What is claimed is:] [1.] A method of payment of bills of establishments by purchasers, comprising:providing a settlements exchange with billing information from establishments;calculating an obligation value for each purchaser;downloading the obligation value for each purchaser from the settlemen

이 특허에 인용된 특허 (24)

  1. Pickering Richard E. (New York NY), Automated billing consolidation system and method.
  2. Pickering Richard E. (New York NY), Automated billing consolidation system and method.
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  5. Delfer ; III Frank W. (7560 Shelborne Dr. Loomis CA 95650) Stigers Barry D. (5332 Rimwood Dr. Fair Oaks CA 95628), Automated remittance system.
  6. Wolfberg Larry (Honolulu HI) Wolfberg Brent A. (Los Angeles CA) Rhoads Jan E. (Virginia Beach VA), Business transaction and investment growth monitoring data processing system.
  7. Shoolery John R. (Palo Alto CA) Pasela Guy E. (Davis CA) De La Torre Diane L. (San Bruno CA) Leung Kenneth M. (San Jose CA) Morris Kathleen A. (Saratoga CA), Corporate travel controller.
  8. Henochowicz Lucien (Los Angeles CA) Humphrey James E. (Dallas TX), Device, system and method for increasing saving account participation and investment by small investors.
  9. Hilt James J. (Daly City CA) Hodges Ron (San Ramon CA) Pardue Stephen W. (Half Moon Bay CA) Powar William L. (Palo Alto CA), Electronic bill pay system.
  10. Baird Andrew V. (Malden MA) Boyer William E. (Boston MA) Pithavadian Shakunthala S. (Cambridge MA), Financial management system.
  11. Sasaki Shigeru (Ibaraki JPX) Kawauchi Masataka (Ishioka JPX) Hamada Yasunori (Tsuchiura JPX), Financial transaction system.
  12. Champion Robert R. (San Francisco CA) Twist ; Jr. Basil R. (San Francisco CA), Goal-directed financial asset management system.
  13. Wolfberg Larry (Honolulu HI) Rhoads Jan E. (Virginia Beach VA) Wolfberg Brent A. (Los Angeles CA), Goal-oriented investment indexing, tracking and monitoring data processing system.
  14. Geer Terry L. (Baltimore OH), Mechanism for expediting the deposit, transport and submission of checks into the payment system.
  15. Bednar Gregory M. ; Carr Thomas E. ; Donahue James W. ; Hendrix ; Jr. Robert F. ; Kuklentz Richard J. ; Uhrich William A., Method and system for bill presentation and payment reconciliation.
  16. Lawlor Matthew P. (Washington DC) Carmody Timothy E. (McLean VA), Method and system for remote delivery of retail banking services.
  17. Bucci Joseph J. (9 Carlisle Ct. Hazlet NJ 07730), Method for the consolidation summarization and transmission of a plurality of mailable materials.
  18. D\Agostino Richard J. (Charlotte NC), Personal financial assistant computer method.
  19. Filepp Robert (Springfield NJ) Gordon Michael L. (Dobbs Ferry NY) Bidwell Alexander W. (New York NY) Young Francis C. (Pearl River NY) Wolf Allan M. (Ridgefield CT) Meo Sam (New York NY) Tiemann Duan, Reception system for an interactive computer network and method of operation.
  20. Kight Peter J. (Dublin OH) Johnson Mark A. (Dublin OH) Christenson Tamara K. (Gahanna OH) Lach Regina (Galena OH) Pointer Philip (Columbus OH) Cook Kenneth (Gahanna OH), System and method for electronically providing customer services including payment of bills, financial analysis and loan.
  21. Anderson Milton M. (Fair Haven NJ), System and method for paying bills electronically.
  22. Tom Mohimm Daniel (Clifton Park NY), System and method for performing risk and credit analysis of financial service applications.
  23. Atkins Charles A. (Amelia Island FL), System for the operation of a financial account.
  24. Macco Richard (102 Warren Dr. Aberdeen NJ 07747), Union member accounts management system.

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  168. Fredman, Marc Lawrence, Method and system for credit card reimbursements for health care transactions.
  169. Fredman,Marc Lawrence, Method and system for credit card reimbursements for health care transactions.
  170. 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.
  171. Lardy,Jean Pierre; Finkelstein,Vladimir; Khuong Huu,Philippe K; Yang,Yunong N, Method and system for determining a company's probability of no default.
  172. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  173. Barton, Thomas C.; Paulson, Harold; Varhus, Elizabeth Pierce, Method and system for determining point of sale authorization.
  174. 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.
  175. 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.
  176. Anderson, Milton M., Method and system for duplicate check detection.
  177. Anderson, Milton M., Method and system for duplicate check detection.
  178. Anderson, Milton M.; Scriven, Dieter, Method and system for duplicate detection.
  179. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  180. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  181. Sheehan, Mark; Acharya, Ravi, Method and system for expediting payment delivery.
  182. Sheehan, Mark; Acharya, Ravi, Method and system for expediting payment delivery.
  183. 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.
  184. 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.
  185. 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.
  186. Randell, Wayne L.; Podgurny, Leonard A.; Widlake, Edward A., Method and system for generating account reconciliation data.
  187. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
  188. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
  189. Ganesan,Ravi; Renshaw,Timothy Scott; Kight,Peter, Method and system for making a monetary gift.
  190. Blauvelt, Joseph P.; Curialle, Frank J., Method and system for matching short trading positions with long trading positions.
  191. Blauvelt, Joseph P.; Curialle, Frank J., Method and system for matching short trading positions with long trading positions.
  192. Micali, Silvio; Rivest, Ronald L., Method and system for micropayment transactions.
  193. Walker, Paul; Des Pallieres, Bertrand, Method and system for optimizing bandwidth cost via caching and other network transmission delaying techniques.
  194. Cable,Thomas Lee; Ross,William Malcolm, Method and system for processing a financial transaction.
  195. Trende, Robert G.; Mila, Paul J.; Conforti, Cathleen; Leathrum, Patrick J.; Kinnunen, Jr., Clifford A.; Lock, Brian D.; Holton, Matthew T.; Stark, Jeffrey M., Method and system for processing messages in a bill payment and presentment system over a communications network.
  196. Fogliano, Frank J.; Gniewosz, Dennis J.; Trupia, Paul Gerard; Striano, Riccardo M., Method and system for processing recurring payments.
  197. Willey, Dawn Marie; Centrone, Joseph Francis; Scarborough, Joseph Matthew; Zhang, Ye, Method and system for providing a multi-channel virtual collections center.
  198. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing assurance and financing services.
  199. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing buyer bank payable discounting aggregation services.
  200. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing buyer bank payable discounting services.
  201. Freund, Peter C., Method and system for providing electronic bill payment and presentment.
  202. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing seller bank receivable discounting aggregation services.
  203. Snyder, Scott Andrew, Method and system for selecting optimal commodities based upon business profile and preferences.
  204. Snyder,Scott Andrew, Method and system for selecting optimal commodities based upon business profile and preferences.
  205. Lash, Todd; Salo, Daniel; Weber, Jay, Method and system for video enhancement transport alteration.
  206. Savage,Patrick; Chhikara,Jitendra; Platz, Jr.,Frederick W., Method and system of combined billing of multiple accounts on a single statement.
  207. Blagg,Lynn Holm; Beck,Darren D., Method for defining a relationship between an account and a group.
  208. Chang, Jerry Shaw-Yau; Chiang, Matthew; Holmes-Kinsella, David, Method for electronic transaction settlement.
  209. Blagg,Lynn Holm; Kathol,Eugene F.; Donlin,Gretchen L.; Grear,Michael B., Method for linking accounts corresponding to different products together to create a group.
  210. Zulager, Kae Kimberly; Carpenter, Ronald Vaiden, Method for managing wireless telecommunication bills.
  211. Carpenter,Ronald Vaiden; Zulager,Kae Kimberly, Method for managing wireless telecommunications bills.
  212. Lesk,Brian D., Methods and apparatus for a personal financial service provider.
  213. Coleman, Donald P., Methods and systems for automated data collection and analysis.
  214. Albee,Steven Ladd; Chladek,Gary Francis; Gaines,Barbara C.; Gross,Gerald Frederick; Haugen,Sandra Sue; Kann,Brenda Lee; Provost,Christina Marie; Royer,Terry Lynne; Stier,Robert Alan; Wordekemper,Glen David, Methods and systems for consolidating financial reporting information.
  215. McRae, Xuan; Lam, Duc; Roland, Matthew, Methods and systems for discounts management.
  216. Holland, Daniel, Methods and systems for handling currency.
  217. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
  218. Egnatios, Rockne; Byal, Amy B.; Marineau, Gerard; Evans, Jr., Robert L., Methods and systems for opening and funding a financial account online.
  219. Lyda, Paul J.; Herdklotz, Timothy; Hobday, Jr., Donald Kenneth, Methods and systems for the determination and display of payment lead time in an electronic payment system.
  220. 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.
  221. Blagg,Lynn Holm; Kathol,Eugene F.; Vovk,Paula J.; Timmins,Debra A.; Rashleigh,Carol Ann; Hodges,Michael David; Beck,Darren D., Methods for processing a group of accounts corresponding to different products.
  222. Hodges, Donna K.; Kreiner, Barrett Morris; Tischer, Steven N., Methods for providing communications services.
  223. Hodges, Donna K.; Kreiner, Barrett Morris; Tischer, Steven N., Methods for providing communications services.
  224. Hodges, Donna K.; Kreiner, Barrett Morris; Tischer, Steven N., Methods for providing communications services.
  225. Hodges,Donna K.; Kreiner,Barrett Morris; Tischer,Steven N., Methods for providing communications services.
  226. Hodges,Donna K.; Kreiner,Barrett Morris; Tischer,Steven N., Methods for providing communications services.
  227. Tischer, Steven N.; Liu, Jerry C., Methods for providing communications services.
  228. Hodges, Donna K.; Kreiner, Barrett Morris; Tischer, Steven N., Methods, systems, and products for providing communications services.
  229. Hodges,Donna K.; Kreiner,Barrett Morris; Tischer,Steven N., Methods, systems, and products for providing communications services amongst multiple providers.
  230. Hodges,Donna K.; Kreiner,Barrett Morris; Tischer,Steven N., Methods, systems, and products for providing communications services amongst multiple providers.
  231. Hodges, Donna K.; Kreiner, Barrett Morris; Tischer, Steven N., Methods, systems, and products for providing communications services by determining the communications services require a subcontracted processing service and subcontracting to the subcontracted processing service in order to provide the communications services.
  232. Tischer, Steven N.; Kreiner, Barrett M.; Hodges, Donna K., Methods, systems, and products for providing communications services by incorporating a subcontracted result of a subcontracted processing service into a service requested by a client device.
  233. Hodges, Donna K.; Kreiner, Barrett Morris; Tischer, Steven N., Methods, systems, and products for subcontracting segments in communications services.
  234. Hickman, Andrew John; Tsang, Alan; Tao, Yaqi; Pan, Shengjun, Micro-geographic aggregation system.
  235. Rolf, Devon A., Mobile payment systems and methods.
  236. Brown, Nicholas Anthony Lindsay, Money management network.
  237. Seifert, Dean A.; Sayor, Thomas B.; Baumgart, Mark, Money transfer cards, systems and methods.
  238. Paintin, Scott; Marr, Lance; Kloosterman, Michelle; Loevenguth, Rebecca; Scott, Diane, Money transfer system and messaging system.
  239. Hanna, Assaad G.; Hansen, Kurt L.; Seifert, Dean A., Money transfer system and method.
  240. Hanna, Assaad G.; Hansen, Kurt L.; Seifert, Dean A., Money transfer system and method.
  241. Bulawa, Kurt; Bohler, Corey Allen; Seifert, Dean A.; Sayor, Thomas B.; Baumgart, Mark; Crawford, Erik S., Money transfer systems and methods.
  242. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
  243. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
  244. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
  245. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
  246. Herrington, Mark; Putman, Mark V.; Jackman, Richard, Negotiable instrument to presentation instrument value porting systems and methods.
  247. Gerszberg, Irwin; Martin, Jeffrey S.; Treventi, Philip Andrew; Walker, Hopeton S., Network server platform (NSP) for a hybrid coaxial/twisted pair local loop network service architecture.
  248. Gerszberg, Irwin; Martin, Jeffrey S.; Treventi, Philip Andrew; Walker, Hopeton S., Network server platform (NSP) for a hybrid coaxial/twisted pair local loop network service architecture.
  249. Brunet, Xavier, Network usage management system and method.
  250. Wu, Jonathan; Rajan, Sreeranga P., Network-based bookmark management and web-summary system.
  251. Bleunven, Daniel; Karotsch, Eliane; Dalban, Christian; Miller, Andrew D J, Network-based sub-allocation systems and methods for swaps.
  252. Bleunven, Daniel; Karotsch, Eliane; Dalban, Christian; Miller, Andrew D J, Network-based sub-allocation systems and methods for swaps.
  253. Ganesan, Ravi, Notification of the availability of electronic bills.
  254. Campbell, Jay; Balducci, Michael; Mandel, Jeff; Brandt, Jr., Marlin K.; Olson, Gregory T., Online registration system for CROA-compliant credit advice services.
  255. Jung, Edward K.Y.; Levien, Royce A.; Malamud, Mark A.; Rinaldo, Jr., John D., Participation profiles of virtual world players.
  256. Jackman, Richard; Herrington, Mark; Putman, Mark V., Payer-based account porting to portable value distribution systems and methods.
  257. Thomas, George F.; Wood, Albert G.; Pawelczyk, Joseph S.; Friedman, Kenneth H.; Palmese, Paul, Payment identification code and payment system using the same.
  258. Jung, Edward K. Y.; Levien, Royce A.; Lord, Robert W.; Malamud, Mark A.; Rinaldo, Jr., John D., Payment options for virtual credit.
  259. Jung, Edward K. Y.; Levien, Royce A.; Malamud, Mark A.; Rinaldo, Jr., John D.; Lord, Robert W., Payment options for virtual credit.
  260. Hamilton, Daniel Lee; McMichael, Jr., William Richard; Pigg, Esther J.; Webber, Cathy E.; Dreyer, Hans D., Payment processing with payee risk management.
  261. Hamilton, Daniel Lee; McMichael, Jr., William Richard; Pigg, Esther J.; Webber, Cathy E.; Dreyer, Hans D., Payment processing with selection of a processing parameter.
  262. 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.
  263. Hamilton, Daniel Lee; McMichael, Jr., William Richard; Pigg, Esther J.; Webber, Cathy E.; Dreyer, Hans D., Payment processing with selection of an electronic debiting option.
  264. Jackman, Richard; Herrington, Mark; Putman, Mark V., Payroll receipt using a trustee account systems and methods.
  265. Rielly, William S.; Erlich, Leslie D.; Acharya, Ravi; Goldman, Dmitry, Personalized bank teller machine.
  266. Jackman, Richard; Herrington, Mark; Putman, Mark V., Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods.
  267. Reid, William; Lynch, Keiron G.; Swackhammer, Craig; Novak, M. Kathrina; Martinez, L. Ted; Bryant, John M., Pre-funding system and method.
  268. Reid, William; Lynch, Keiron G.; Swackhammer, Craig; Novak, M. Kathrina; Martinez, L. Ted; Bryant, John M., Pre-funding system and method.
  269. Rau, Scott W.; Knackstedt, Lee, Processing transactions using a register portion to track transactions.
  270. Keown, Blake; Moenickheim, Peter; Baulch, Howard; Koltnow, Adam, Propagating data to facilitate electronic payments to payees.
  271. Kapczynski, Mark Joseph, Providing credit data in search results.
  272. Nethery Kee, Purchaser generated transaction recording and negotiable instrument payment system.
  273. Jung, Edward K. Y.; Levien, Royce A.; Lord, Robert W.; Malamud, Mark A.; Rinaldo, Jr., John D., Real-world profile data for making virtual world contacts.
  274. Yu, Kevin John; Chong, Joseph; Tien, Alan, Release of funds based on criteria.
  275. Yu, Kevin John; Chong, Joseph; Tien, Alan, Release of funds based on criteria.
  276. Garrison,David Lee; Kight,Patricia A.; Perkins,Brad; Ward,Cheryl Lynn; Lawson,Mary Elizabeth; Kerin,Amy Lynn, Remittance payment processing with account scheming and/or validation.
  277. Thierer, Jochen; Zube, Torsten, Restricted party screening.
  278. Zito, Sean, Reuse of an EBP account through alternate authentication.
  279. Jung, Edward K. Y.; Levien, Royce A.; Lord, Robert W.; Malamud, Mark A.; Rinaldo, Jr., John D., Risk mitigation in a virtual world.
  280. Lejdström, Bengt; Sander, Oskar; Söderqvist, Johan, Securities settlement system.
  281. Jemella, Donald F.; Montevago, Franca; Mannino, John J; Mirabella, Loretta, Service charge adjustment platform.
  282. Kapczynski, Mark Joseph; Dean, Michael John, Storage and maintenance of personal data.
  283. Quillian, David W., Supply chain finance system.
  284. Snyder,Scott Andrew, System and method for assisting customers in choosing a bundled set of commodities using customer preferences.
  285. Celka, Christopher J.; Rojas, Cristian R., System and method for automated detection of never-pay data sets.
  286. Freishtat, Gregg; Rajan, Palaniswamy, System and method for automated electronic notification and transaction execution.
  287. 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.
  288. Dunham,Kathryn S.; Majewski,Edward Kennedy; Shratter,Bettye A.; George,Frances G.; Comans,Margaret M., System and method for automating an unbillable study.
  289. Keene, Alexandra, System and method for check exception item notification.
  290. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  291. Evans, Scott L., System and method for debt presentment and resolution.
  292. 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.
  293. Freishtat, Gregg; Rajan, Palaniswamy, System and method for determining revenue from an intermediary derived from servicing data requests.
  294. Lam, Duc; Roland, Matthew; McRae, Xuan (Sunny), System and method for electronic authorization of batch checks.
  295. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  296. 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.
  297. 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.
  298. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
  299. 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.
  300. Wise, Eric S.; Pellegrini, Roger J.; Rhinelander, John R., System and method for estimating conduit liquidity requirements in asset backed commercial paper.
  301. Wise,Eris S.; Pelligrini,Roger J.; Rhinelander,John R., System and method for estimating conduit liquidity requirements in asset backed commercial paper.
  302. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  303. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  304. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
  305. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
  306. 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.
  307. 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.
  308. 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.
  309. Pletz, Tracy; Callahan, William T., System and method for integrated customer management.
  310. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  311. Pletz,Tracy; Callahan,William T., System and method for integrated customer management.
  312. Silverman, Robert M., System and method for issuing, circulating and trading financial instruments with smart features.
  313. Hirka, Jeffrey L.; Fox, Steven J., System and method for linked account having sweep feature.
  314. Guy,Robert C.; Snider,Diane Lyn; Goering,Douglas A.; Beck,Darren D.; Hames,Tony D.; Bright,George D.; Harrington,William F.; Rivera,David G., System and method for managing accounts.
  315. Simpson, John S.; Chirala, Murali, System and method for managing mail/bills through a central location.
  316. Kator, Lynn Michele; Nemtuda, David; Hirtenstein, Edith, System and method for monitoring and predicting vehicle attributes.
  317. Kator, Lynn Michele; Nemtuda, David; Hirtenstein, Edith, System and method for monitoring and predicting vehicle attributes.
  318. Kator, Lynn Michele; Nemtuda, David; Hirtenstein, Edith, System and method for monitoring and predicting vehicle attributes.
  319. 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.
  320. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
  321. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan (Sunny), System and method for payer (buyer) defined electronic invoice exchange.
  322. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  323. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  324. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing microtransactions.
  325. Sheehan, Mark; Wallace, William; Knackstedt, Lee, System and method for processing mircotransactions.
  326. Pletz, Tracy; Rochford, Joseph, System and method for processing qualified healthcare account related financial transactions.
  327. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  328. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  329. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  330. Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
  331. Kazenas, Joseph Alfred; Voutour, Teddy Joseph Edmond, System and method for providing warning and protection for bill payments.
  332. Kazenas, Joseph Alfred; Voutour, Teddy Joseph Edmond, System and method for providing warning and protection for bill payments.
  333. Kaib, Paul; Freishtat, Gregg, System and method for scheduling harvesting of personal information.
  334. Jakstadt, Eric G.; Waterston, Michael L.; Badari, Vasantha; Pfost, Jarrod E., System and method for secure third-party development and hosting within a financial services network.
  335. Jakstadt, Eric G.; Waterston, Michael L.; Badari, Vasantha; Pfost, Jarrod E., System and method for secure third-party development and hosting within a financial services network.
  336. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  337. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  338. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  339. Siegel, Rebecca Lynn; Finocchiaro, Jeffrey David; Herberger, William Fredrick, System and method for supervising account management operations.
  340. Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
  341. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  342. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  343. Hildebrand, Marc, System and method to provide a payment.
  344. Manohar, Pradheesh; Nalwaya, Prashant; Agrawal, Prashant Kumar, System and methods for automatically accessing a web site on behalf of a client.
  345. Hunt, III, Herbert Harris, System and methods for credit dispute processing, resolution, and reporting.
  346. Hunt, III, Herbert Harris, System and methods for credit dispute processing, resolution, and reporting.
  347. Hunt, III, Herbert Harris, System and methods for credit dispute processing, resolution, and reporting.
  348. Blagg, Lynn; Rodin, Michael F., System for distributing funds.
  349. Grear,Michael B.; Miller,Thomas M., System for maintaining transaction data.
  350. Anderson,William P.; Geller,Jacob B., System for on-line financial services using distributed objects.
  351. Hazlehurst, Peter; Aman, Matthew; Diego, Doug, System for performing web authentication of a user by proxy.
  352. Bullard, William Carter Carroll, System for requesting missing network accounting records if there is a break in sequence numbers while the records are transmitting from a source device.
  353. Farrell, Kevin; Ball, Steven; Mahoney, II, Daniel O., System wide flow aggregation process for aggregating network activity records.
  354. D'Aquisto, Tom; Cummings, Bill, System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house.
  355. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  356. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  357. Crumbach, Manfred; Konstandin, Christiane; Hafner, Sascha; Auth, Christian, Systems and methods for bank determination and payment handling.
  358. Ghiloni,Beth W.; Jasthi,Srinivas; Brand,Patrick M.; Eckert,Judith M., Systems and methods for charge-back invoice generation.
  359. Haller, Eric; Hirn, Mark; Dichiara, Christer, Systems and methods for data verification.
  360. Haller, Eric; Hirn, Mark; Dichiara, Christer, Systems and methods for data verification.
  361. Johnston, Ann Marie; Esque, Robert Charles; Jackson, Justin; Seemann, Brian Richard; Southard, Roy Alan, Systems and methods for determining estimated lead times.
  362. Johnston, Ann Marie; Esque, Robert Charles; Jackson, Justin; Seemann, Brian Richard; Southard, Roy Alan, Systems and methods for determining estimated lead times.
  363. Lawson, Mary Elizabeth; Ward, Cheryl L.; Dreyer, Hans Daniel, Systems and methods for generating payment due notifications.
  364. Hopkins, John C., Systems and methods for managing consolidated purchasing, billing and payment information.
  365. Hopkins, John C., Systems and methods for managing consolidated purchasing, billing and payment information.
  366. Rigole, Rod, Systems and methods for online selection of service providers and management of service accounts.
  367. Rigole, Rod, Systems and methods for online selection of service providers and management of service accounts.
  368. Starr, Barry, Systems and methods for performing integrated financial transaction.
  369. Rosenblatt, Brenda; Lin, Yung-Li; Trent, Millie; Kurth, Allen; Mills, Robert Jeff; Lindell, Bruce, Systems and methods for presenting payoff information to credit card customers.
  370. McMillan, Helen; Skurtovich, John Lawrence; Kress, Anita; Sumida, Timothy; McVey, Michael Charles, Systems and methods for providing an integrated identifier.
  371. Kight, Peter J.; Johnson, Mark A.; Christenson, Tamara K.; Lach, Regina; Pointer, Philip; Cook, Kenneth, Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer.
  372. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  373. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  374. Esposito, Helene; Chan, Paul Mon-Wah; Lee, John Jong Suk; Jethwa, Rakesh Thomas, Systems and methods for timing data transfer in a database.
  375. Drury, Rodney Kenneth; Vickers, Matthew John, Systems and methods of access control and system integration.
  376. Drury, Rodney Kenneth; Vickers, Matthew John, Systems and methods of access control and system integration.
  377. Burger, Michael; Kapczynski, Mark Joseph, Systems and methods of identity protection and management.
  378. Burger, Michael; Kapczynski, Mark Joseph, Systems and methods of identity protection and management.
  379. Rohn, Janice Anne; Fegel, Julia E.; Mahacek, Jeffrey Bryan; Burger, Michael, Systems and methods of presenting simulated credit score information.
  380. Charyk, Mike; Yu, Nelson, Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules.
  381. Charyk, Mike; Yu, Nelson, Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules.
  382. Austin Pamela Sue, Systems, methods, and computer program products for delivering information in a preferred medium.
  383. Austin, Pamela Sue, Systems, methods, and computer program products for delivering information in a preferred medium.
  384. Moenickheim,Peter; Lyda,Paul J., Technique for account authentication.
  385. Ganesan Ravi ; Harris Mark Todd ; Dreyer Hans Daniel ; Wolfe Kathryn Randall, Technique for centrally tracking transactions in an electronic billing system.
  386. Lawson, Mary Elizabeth; Ward, Cheryl L.; Dreyer, Hans; Hobday, Jr., Donald Kenneth; Moenickheim, Peter, Technique for information flow to payees.
  387. Zielke,William D.; Frech,John J.; Bemis,Teri W.; Hobday, Jr.,Donald K.; Harris,Mark T.; Dreyer,Hans D.; McCoy,Randal A., Technique for presenting matched billers to a consumer.
  388. Jung, Edward K. Y.; Levien, Royce A.; Lord, Robert W.; Malamud, Mark A.; Rinaldo, Jr., John D., Third party control over virtual world characters.
  389. Jung, Edward K. Y.; Levien, Royce A.; Lord, Robert W.; Malamud, Mark A.; Rinaldo, Jr., John D., Third party control over virtual world characters.
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