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System and method for electronic bill pay and presentment

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06Q-040/00
출원번호 US-0814783 (2001-03-23)
등록번호 US-8805739 (2014-08-12)
발명자 / 주소
  • Brown, Karen Lavern
  • Manarky, Lisa Kim
출원인 / 주소
  • JPMorgan Chase Bank, National Association
대리인 / 주소
    Hunton & Williams LLP
인용정보 피인용 횟수 : 7  인용 특허 : 532

초록

A system and method is disclosed enabling a customer payor to make payment to a payee in a networked environment using a credit card, revolving credit, or other credit account. The payment system may provide for online receipt and review of bills, and may allow a customer payor to optionally select

대표청구항

1. A method for a payor to make one or more online payments to one or more payees using a payment system which enables a payor to make bill payments using a credit card account to payees who do not accept credit cards, the method comprising: providing the payor with access to an online payment syste

이 특허에 인용된 특허 (532)

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  188. Thomson Eric A. (Newport Beach CA) Josephson Stanley M. (Dallas TX), Financial data processing system.
  189. Thomson Eric A. (Newport Beach CA) Josephson Stanley M. (Dallas TX), Financial data processing system.
  190. Josephson Stanley M. (Dallas TX), Financial data processing system using payment coupons.
  191. Lange Jeffrey, Financial products having a demand-based, adjustable return, and trading exchange therefor.
  192. Basch, Catherine A.; Bruesewitz, Belva J.; Siegel, Kevin; Faith, Patrick, Financial risk prediction systems and methods therefor.
  193. Coutts Michael G.,GB6 ; Dove Lee G.,GB6, Financial transaction system.
  194. Sasaki Shigeru (Ibaraki JPX) Kawauchi Masataka (Ishioka JPX) Hamada Yasunori (Tsuchiura JPX), Financial transaction system.
  195. Gandel,Priscilla; Lasch,Ellen; Webb,Lisa Ann Morrill, Foldable transaction cards and methods of making the same.
  196. Rosen Sholom S., Foreign exchange transaction system.
  197. Bhaskaran Vasudev ; Ratnakar Viresh, Fragile watermarks for detecting tampering in images.
  198. Penzias Arno A. (Highland Park NJ), Fraud protection for card transactions.
  199. Kelsey Craig E., Fraud resistant personally activated transaction card.
  200. Tozzoli Guy Frederick ; Lynch Christopher James, Full service trade system.
  201. Layne, Mitchell; Kim, David C.; Stranzl, Herb; Rubinchik, Felix; Johannessen, Clare, Funds transfer repair system.
  202. Mansvelt Andre P. (171 ANderson Avenue Northcliff ; Johannesburg ; Transvaal ZAX) Belamant Serge C. P. (55 - 13th Street Parkmore ; Johannesburg ; Transvaal ZAX), Funds transfer system.
  203. Benton William M. (Ft. Lauderdale FL), Funds transfer system using optically coupled, portable modules.
  204. Kohorn Henry V. (Vero Beach FL), Generation of enlarged participatory broadcast audience.
  205. Glaser Howard J. (San Jose CA) Strain Joanna M. (Ford GB3) Tuckey-Smith Angus T. (Bedhampton GB3), Graphical user interface control for replicating data fields in forms.
  206. Eberhardt Noel H. (Cupertino CA), Hand-held dual technology identification tag reading head.
  207. Bellinger David T. ; Moss Isabelle R., High volume financial image media creation and display system and method.
  208. Kamper Robert J., Highlighting tool for search specification in a user interface of a computer system.
  209. Leighton Keith, Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom.
  210. Kawana Shigeyuki (Tokyo JPX), Identification card and authentication system therefor.
  211. Cullen John ; Hull Jonathan ; Hart Peter, Image database browsing and query using texture analysis.
  212. Curley Craig Dennis (Charlotte NC) Smith Thomas Chester (Charlotte NC) Yeskel Filip Jay (Charlotte NC), Image quality analysis method and apparatus.
  213. Harada Hisayuki (Tokyo JPX) Tomita Toshitsugu (Tokyo JPX), Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales inform.
  214. Kern Norman P. (Birmingham MI), Image-based document processing system providing enhanced transaction balancing.
  215. Manabe Toshiyuki (Tokyo JPX) Murakami Osamu (Tokyo JPX) Takeuchi Keiichi (Hiratsuka JPX) Matsuura Junichi (Tokyo JPX), Information collecting and/or service furnishing systems by which a user can request information from a central data bas.
  216. Davis Terry L. (Scottsdale AZ) Hart James A. (Radnor PA) Russell James F. (Hockessin DE) Sears John W. (Peoria AZ) Trice Philip H. (Phoenix AZ), Information consolidation within a transaction network.
  217. Watson Craig Michael, Integrated bill consolidation, payment aggregation, and settlement system.
  218. Wong Charles, Integrated business-to-business Web commerce and business automation system.
  219. Kenna Janine S. ; Butler Patrick B.,GBX ; Musmanno Thomas ; Ur Kelly, Integrated nested account financial system with medical savings subaccount.
  220. Stefik Mark J. (Woodside CA) Bobrow Daniel G. (Palo Alto CA) Card Stuart K. (Los Altos CA) Casey Michalene M. (Morgan Hill CA) Goldstein Richard J. (San Francisco CA) Lamming Michael G. (Cambridge CA, Interactive contents revealing storage device.
  221. Baran Paul (83 James Ave. Atherton CA 94025) Baran David F. (1324 Josephine St. Berkeley CA 94703), Interactive facsimile system and method of information retrieval.
  222. Shavit Eyal (New York NY) Teichner Lester (Chicago IL), Interactive market management system.
  223. Pierre H. Nel ZA, Interactive system for and method of performing financial transactions from a user base.
  224. Clark Barry Alan ; D'Onofrio John, Interface device for electronically integrating global financial services.
  225. Egendorf Andrew, Internet billing method.
  226. Fin Tong-Haing ; Fujisaki Tetsunosuke ; Kobayashi Makoto,JPX ; Shinozaki Masahide,JPX, Internet web page sharing.
  227. Bain James M. (Beavercreek OH) Best David J. (Miamisburg OH) Markham James G. (Spring Valley OH) Morrow Mark S. (Dayton OH) Stellwag Debra A. (Dayton OH) Tavener Raymond D. (Kettering OH), Label generating and data tracking system for processing purchase orders.
  228. Price Macy J. (Golden CO) Accumanno Mario B. (Cedar Grove NJ) Johnson Mack E. (Arvada CO) Acker Nornam J. (Lakewood CO), Label generation apparatus.
  229. Orlens Alfreds (Old Greenwich CT), Label printing apparatus.
  230. Bridges ; Jr. Louis E. (Mesquite TX) Parsons Terry L. (Plano TX), Library circulation control system.
  231. Leong Sang ; Cahill Teresa ; Wren Margaret J. ; McCarthy Mary ; Reyna Ilona, Lockbox browser system.
  232. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  233. Price,Joanne; Mathur,Sumit; Mao,Paul, Lockbox imaging system.
  234. Forst Jon K. ; Hall ; Jr. Robert G., MICR line decoding logic system.
  235. Abel Jay A. (Hartland WI) VanHorn David B. (Hartland WI) Getz Jalem M. (Waukesha WI), Magnetic reader with read head biased against document by resilient deflection of circuit board.
  236. Wong, Jacob Y., Magnetic stripe bridge.
  237. Arakaki, James S.; Fernandes, Jorge M.; Liu, Li, Magnetic stripe simulacrum for transaction acceptance systems.
  238. Nelson Theodor Holm,JPX, Many-to-many payments system for network content materials.
  239. Geer Terry L. (Baltimore OH), Mechanism for expediting the deposit, transport and submission of checks into the payment system.
  240. Weidong Kou CA, Mechanism for secure tendering in an open electronic network.
  241. Burks James L. (Pendleton KY) Schick Robert R. (Louisville KY) Schweitzer Sheila H. (Louisville KY), Medical transaction system.
  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 application for credit.
  243. 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.
  244. Shah Dinesh V., Method and apparatus for an automated, computer approved, check cashing system.
  245. Fraser Alexander Gibson, Method and apparatus for automated provisioning and billing of communication services.
  246. Stallaert Jan ; Whinston Andrew Bernard ; Graves Glenn William, Method and apparatus for bundled asset trading.
  247. Beizer Mordechai M. (New York NY), Method and apparatus for converting documents into electronic data for transaction processing.
  248. Cahill Thomas ; Sferra Richard H. ; Levine Glenn ; Goldfisher Saul ; Wilson Philip ; Koroteyev Vladimir, Method and apparatus for correcting erroneously decoded magnetic ink characters.
  249. Off George W. (Huntington Beach CA) Scroggie Michael C. (Valencia CA) Mindrum Thomas L. (Fairfield CT) O\Brien Michael R. (Santa Monica CA), Method and apparatus for dispensing discount coupons.
  250. Off George W. (Huntington Beach CA) Scroggie Michael C. (Valencia CA) Mindrum Thomas L. (Fairfield CT) O\Brien Michael R. (Santa Monica CA), Method and apparatus for dispensing discount coupons in response to the purchase of one or more products.
  251. Wilfried E. Y. Dejaeger BE; Alfred J. Hutcheon, Method and apparatus for displaying a customized advertising message with a retail terminal.
  252. Cahill Thomas ; McMonagle John J. ; Sferra Richard H., Method and apparatus for displaying electronic image of a check.
  253. Levine Jack (Agoura Hills CA) Brandt Priscilla C. (San Mateo CA) Jackson Nydia (Redwood City CA) Johnson David L. (Woodside CA) Clark Helen (Mill Valley CA), Method and apparatus for distributing currency.
  254. Odom,Pat; Fatland,Tracey; Gilliam,Dolly; Barnett,Cheri; Harbin,Terry; Songy, Jr.,Lionel Joseph; Hair,Terry, Method and apparatus for electronic commerce services at a point of sale.
  255. Owens Clifford J. (Carlsbad CA) Rutledge Thomas L. (Leucadia CA), Method and apparatus for electronic image processing of documents for accounting purposes.
  256. Mersky Randy ; Mersky Milton, Method and apparatus for facilitating customer payments to creditors from a remote site.
  257. Alesio Thomas (Marina Del Rey CA) Friedes Albert (East Brunswick NJ) Hossain Monowar (Middletown NJ) Lee Dooyong (West Orange NJ), Method and apparatus for facilitating the making of card calls.
  258. Shkedy Gary, Method and apparatus for facilitating transactions on a commercial network system.
  259. Roberts Peter A. (New York NY) Finnerty John D. (New York NY), Method and apparatus for funding a future liability of uncertain cost.
  260. Walker Jay S. ; Jindal Sanjay K. ; Jorasch James A., Method and apparatus for funds and credit line transfers.
  261. Walker Jay S. ; Jindal Sanjay K. ; Jorasch James A., Method and apparatus for funds and credit line transfers.
  262. Veeneman William J. (Minneapolis MN) Alexander Karla J. (Minnetonka MN) Doyle Thomas J. (Minneapolis MN) Brooks Phillip R. (Eagan MN) Hamilton Robert H. (Edina MN), Method and apparatus for generating gift certificates.
  263. Bednar Gregory M. (Matthews NC) Carr Thomas E. (Charlotte NC) Curley Craig D. (Charlotte NC) Curley Lynn P. (Charlotte NC) Mazina Dorothy I. (Charlotte NC) Olson Paul L. (Charlotte NC) Yeskel Filip J, Method and apparatus for image processing at remote sites.
  264. Stolfo Salvatore J., Method and apparatus for imaging, image processing and data compression.
  265. Stern Richard H., Method and apparatus for issuing and automatically validating gaming machine payout tickets.
  266. Nemzow, Martin A., Method and apparatus for localizing currency valuation independent of the original and objective currencies.
  267. Levine Ronald M., Method and apparatus for minimizing credit card fraud.
  268. Cunningham Scott W. ; Kerber Randy G., Method and apparatus for optimizing promotional sale of products based upon historical data.
  269. Polk John, Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange.
  270. Libman Richard Marc, Method and apparatus for preparing client communications involving financial products and services.
  271. Walker Jay S. ; Jindal Sanjay K. ; Weir-Jones Toby, Method and apparatus for processing customized group reward offers.
  272. Yien Richard S. (New York NY) Stratigos William N. (New York NY), Method and apparatus for processing data received at a remote workstation.
  273. Wagner Christopher L. (Glencoe IL) Wetmore Carol J. (Chicago IL) Liddy Martha A. (Evanston IL) Nelson Lori A. (Evanston IL), Method and apparatus for providing access to a plurality of payment networks.
  274. Walker Jay S. ; Jorasch James A. ; Van Luchene Andrew S., Method and apparatus for providing and processing installment plans at a terminal.
  275. 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.
  276. Kehnemuyi Craig R. (Arlington Heights IL) Hughes John (Arlington Heights IL), Method and apparatus for reporting customer data.
  277. O'Brien Michael F. ; Off George W. ; Cherney Timothy L. ; Katz Gary M., Method and apparatus for selective distribution of discount coupons based on prior customer behavior.
  278. Cahill Thomas ; McMonagle John J. ; Sferra Richard H. ; Levine Glenn ; Goldfisher Saul ; Wilson Philip, Method and apparatus for storing images of documents having magnetic ink code line.
  279. Kasday Leonard R. (Moorestown NJ), Method and apparatus for telephone prize opportunities.
  280. Ramsay Thomas E. (Minneapolis MN) Elkins James C. (Golden Valley MN), Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain.
  281. King Douglas L., Method and apparatus of creating a financial instrument and administering an adjustable rate loan system.
  282. Fleischl David ; Hemminger Paul ; Guido John, Method and apparatus to process combined credit and debit card transactions.
  283. David A. Martin, Method and device for preventing check fraud.
  284. Hennige Hartmut (23 Packman Lane ; Home Green Kirk Ella Hull HU10 7TH N. Humberside GB3), Method and device for simplifying the use of a plurality of credit cards, or the like.
  285. Bauchner Renee ; Weinberger Henry ; Wright Wilbur E. ; Newman Al, Method and system for analyzing and handling the customer files of a financial institution.
  286. Robert D. Woodbury, Jr., Method and system for automated collect and win sweepstakes for ATM transactions.
  287. Byerly Baxter H. ; Uecker Robert Anthony, Method and system for automatically generating advisory information for pharmacy patients along with normally transmitted data.
  288. 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.
  289. Schutzer Daniel, Method and system for bill presentment and payment.
  290. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for building a database and performing marketing based upon prior shopping history.
  291. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for building a database for use with selective incentive marketing in response to customer shopping hi.
  292. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for building a database for use with selective incentive marketing in response to customer shopping hi.
  293. Fredman,Marc Lawrence, Method and system for credit card reimbursements for health care transactions.
  294. Chang Sheueling ; Rochetti Robert, Method and system for electronic bill payment.
  295. Lamm David, Method and system for electronically presenting and paying bills.
  296. Das, Pradeep; Calderwood, Michael; Debolt, Emily C.; Gesse, Timothy L.; Gracey, Jr., Bernard E.; Martin, Jr., Ralph E., Method and system for enterprise-level unassisted customer shipping.
  297. Paul,David K.; Hatfield,R. Scott, Method and system for facilitating electronic funds transactions.
  298. German,Dan A.; Morea,Dominic John; Tsuei,Henry T.; Duncan,John; Golub,Matt, Method and system for facilitating financial transactions between consumers over the internet.
  299. Furuta Shigeru (Itami JPX), Method and system for identifying and communicating with a plurality of contactless IC cards.
  300. Steven M. H. Wallman, Method and system for investing in a group of investments that are selected based on the aggregated, individual preference of plural investors.
  301. Siefert David M., Method and system for monitoring and enhancing computer-assisted performance.
  302. Teshima,Atsushi, Method and system for operating a virtual shopping mall or seller-engaged type.
  303. Hartman Peri ; Bezos Jeffrey P. ; Kaphan Shel ; Spiegel Joel, Method and system for placing a purchase order via a communications network.
  304. Walker Jay S. ; Jindal Sanjay K. ; Weir-Jones Toby, Method and system for processing customized reward offers.
  305. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
  306. Sampson Gerald P.,LUX ; Strauss Melvin ; Tyson-Quah Kathleen,GBX ; Haddock Jorge ; Sime Thomas S.,LUX, Method and system for providing credit support to parties associated with derivative and other financial transactions.
  307. Koppstein Peter E. A. ; Park Benjamin James ; Shasha Dennis E., Method and system for reconciling concurrent streams of transactions in a database.
  308. Lawlor Matthew P. (Washington DC) Carmody Timothy E. (McLean VA), Method and system for remote delivery of retail banking services.
  309. Lawlor Matthew P. ; Carmody Timothy E., Method and system for remote delivery of retail banking services.
  310. Lapstun, Paul; Lapstun, Jacqueline Anne; Silverbrook, Kia, Method and system for seeking bids.
  311. David W. Deaton ; Rodney G. Gabriel, Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  312. David W. Deaton ; Rodney G. Gabriel, Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  313. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  314. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  315. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  316. Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX), Method and system for selective incentive point-of-sale marketing in response to customer shopping histories.
  317. Bartell Brian (4449 Via Precipicio San Diego CA 92122) Clarke Robert (8246 Caminito Modena La Jolla CA 92037), Method and system for two-dimensional visualization of an information taxonomy and of text documents based on topical co.
  318. Wood, Richard Glee; White, Jr., Wesley Jack, Method for accelerated provision of funds for medical insurance using a smart card.
  319. Rosen Sholom S. (New York NY), Method for acquiring and revalidating an electronic credential.
  320. Yanagisawa, Noboru; Minowa, Masahiro; Oguchi, Teruaki; Oguchi, Asahiro, Method for billing for advertisements printed on check-out receipts.
  321. Cross Wanda Kay ; Haller Michael Joseph ; Higgins Brian John ; Hoque Nasrin ; Jurie Kathryn Ann ; Russell Dianne Green, Method for establishing customized billing arrangements for a calling card in a telecommunications network.
  322. Sheffield Kim A. (Groton MA), Method for forming a reusable and modifiable database interface object.
  323. Atkins Charles Agee, Method for managing financial accounts by a preferred allocation of funds among accounts.
  324. Raimann Gerhard (Alland ATX), Method for paying for services and/or goods and apparatus for carrying out the method.
  325. Green W. Thomas (Carrollton GA) Lynn R. Keith (Roswell GA), Method of and apparatus for document data recapture.
  326. Yien Richard S. (New York NY) Stratigos William N. (New York NY), Method of and apparatus for processing data at a remote workstation.
  327. Benton William M. (Fort Lauderdale FL) Mee William (Pompano Beach FL), Method of and system for electronic funds transfer via facsimile machines.
  328. Eder Jeff (15422 SE. 7th Pl. Bellevue WA 98007), Method of and system for generating feasible, profit maximizing requisition sets.
  329. Michael D. Schulze ; Richard J. Gagnon, Method of obtaining an electronically-stored financial document.
  330. Wu, Hui; Kelland, Stewart B.; Boyd, Neil P., Method of processing documents in an image-based document processing system and an apparatus therefor.
  331. Smorodinsky Lev ; McSweeney Joseph Craig ; Thompson James Walter, Method of transferring funds employing a three-node real-time electronic interlock.
  332. Bueno Serge (Bretigny Sur Orge FRX), Method of transmitting data quickly and securely from a smart card during a remote transaction.
  333. Mosler Warren B. ; McCauley William P. ; Sherman James M., Method, system, and computer program product for trading interest rate swaps.
  334. Stephen Yao Ching Chen ; Patrick Michael Malone ; Jerry Mukai ; Jeffrey Ralph Ruggles ; Desai Paramesh Sampatrai ; Yun Wang ; Guogen Zhang, Method, system, and program for a join operation on a multi-column table and satellite tables including duplicate values.
  335. Melnikoff Meyer, Methods and apparatus for evaluating portfolios based on investment risk.
  336. Stutz, William; Kaliappan, Arulnambi; Capwell, Ronald; Martin, Paul; Ogrin, Todd, Methods and apparatus for extendible information aggregation and presentation.
  337. Lewis Richard ; Dwyer Tara ; Abdelsadek Mohammed ; Han Donald ; Rogoff Jonathon ; Parks Louis, Methods and apparatus for internet based financial transactions with evidence of payment.
  338. Samra, Balwinder S.; Nabe, Oumar, Methods and systems for analyzing marketing campaigns.
  339. Bott, Uwe, Methods and systems for assessing creditworthiness of a country.
  340. Crooks Gerry ; Genzberger Janna ; Arnhold Ed ; Battista John ; Boni Ken ; Miller Dave ; Feichtner Mark ; Kippenhan Larry ; Nanto Shawn ; Orr Teri ; Bowers Dan, Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill co.
  341. Templeton Randy Joe (Bellaire TX) Gulden Gerald (Houston TX), Methods and systems for interactive check authorizations.
  342. Rhoads, Geoffrey B.; Gustafson, Ammon E., Methods and systems using multiple watermarks.
  343. James Erickson ; J. Graham Goddard ; Michael Kiefer, Methods for detecting compounds which modulate the activity of an LPA receptor.
  344. 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.
  345. Tabb Lloyd (Santa Cruz CA) Herrmann Conrad (Soquel CA), Methods for hypertext reporting in a relational database management system.
  346. Haseltine, Mark E.; Irribarren, Roberto; Talreja, Yash Pal; Arthur, Mohan K.; Agarwal, Siddhartha; Doshi, Mohit, Methods, devices and systems for electronic bill presentment and payment.
  347. Amarant Brenda B. (South Orange NJ) Desmedt William H. (Milford PA) McChristian David C. (Naperville IL) Neilon Robert M. (Pickerington OH), Monitoring of charges debited to an account having an assigned limit.
  348. Taylor Douglas C. (New York NY), Multi-application data card.
  349. Le Roux Jean-Yves (La Ciotat FRX), Multi-applications portable card for personal computer.
  350. Korman Bruce R. ; Bergman Darryl Jesse, Multi-transactional architecture.
  351. McNeely Maurice G. (250 Ohua Ave. ; Apt. 8C Honolulu HI 96815) Gomes Rodney A. (1760 Hookupa St. Pearl City HI 96782), Multiple company credit card system.
  352. Kashkashian ; Jr. Arsen (55 Briarwood Dr. Holland PA 18966), Multiple credit card system.
  353. Ward Richard J. (c/o Manhattan Electronics ; 17 W. 45 St. New York NY 10036), Multiple format hand held label printer.
  354. Chapin ; Jr. Stephen R., Multiple magnetic stripe transaction cards and systems for the utilization thereof.
  355. Chapin ; Jr. Stephen R., Multiple magnetic stripe transaction cards and systems for the utilization thereof.
  356. Hallowell, Curtis W.; Klein, Robert J.; Munro, Mark C.; Graves, Bradford T., Multiple pocket currency bill processing device and method.
  357. Jones, John E.; Jones, Paul A.; Gafron, Ronald M.; Jones, William J.; Mennie, Douglas U., Network for transporting and processing images in real time.
  358. Payne Andrew C. ; Stewart Lawrence C. ; Mackie David J., Network sales system.
  359. Morley Julian D. (Hyde GBX), Non-contact transaction system with token presence detection.
  360. Holmwall Ronald E. (Sumner WA), Nozzle for injecting a sealant into a crack.
  361. Niwa Tomomitsu (Aichi JPX), Numerical control unit.
  362. Richard Hiers Wagner, OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERF.
  363. Bickerton Matthew John,GBX ; Bohrer Kathryn Ann ; Hughes Emma Suzanne,GBX ; Kenworthy Edward William,GBX ; Musgrove Rupert Jeremy,GBX ; Patterson LindaMay Rose ; Porter Steven,GBX ; Salt David Dennis, Object oriented technology framework for accounts receivable and accounts payable.
  364. Halbrook W. Bracey, Obligated investment system.
  365. Kiron Kenneth ; Bander Kevin S., Open end mutual fund securitization process.
  366. Northington Cathy C. ; Goodson Louis J., Open-architecture system for real-time consolidation of information from multiple financial systems.
  367. Kayanuma Kanji,JPX, Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof.
  368. Minowa,Masahiro; Horikawa,Toshiro; Yokoyama,Kazuyuki; Nobutani,Tsutomu, POS system, network system, method of generating printing data for POS system, and method of managing sales and advertisement information in network system.
  369. Smith M. Brooks ; Wilkie David M., Package assembly and method for activating prepaid debit cards.
  370. Nichtberger Steven (New Rochelle NY) McGlynn Kevin (Yorktown Heights NY) Snook Corey (Huntington Beach CA), Paperless system for distributing, redeeming and clearing merchandise coupons.
  371. Nichtberger Steven (New Rochelle NY) McGlynn Kevin (Yorktown NY) Snook Corey (Meredith NH), Paperless system for distributing, redeeming and clearing merchandise coupons.
  372. Hook Christopher (Reading GB2) Juson Keith (Malmesburg GB2) Hall Chris (London GB2) Ferguson Donald Harold (Maple CAX) Paun Dimitrie Octavian (Mississauga CAX) Oprea Alexandru (Willowdale CAX), Passive transponder.
  373. Materna Richard H. (705 St. Joseph Dr. Oak Brook IL 60515) Linse John S. (9418 Bay Colony Dr. ; Apt. 3 S. Des Plaines IL 60016) Richardson Roy A. (Pinellas Park FL), Payment Authorization and Information Device.
  374. Sandru,Calin A., Payment validation network.
  375. Grunbok ; Jr. Warren William ; Martino Gilford Francis, Personal digital assistant based financial transaction method and system.
  376. Garrou Elizabeth B. (405 Louise Ave. Valdese NC 28690), Personal identification and credit information system and method of performing transaction.
  377. Schrader Joseph A. ; Bhatt Patanjali ; Altekruse Charles A., Personal online banking with integrated online statement and checkbook user interface.
  378. Ruppert Jonathan P. (17147 Heatherwood Way Morgan Hill CA 95037) Fish Ronald C. (16590 Oak View Cir. Morgan Hill CA 95037), Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers.
  379. Reeder Kenneth Rodney, Point of sale method and system.
  380. Katz Ronald Craig, Point of sale terminal for the visually impaired.
  381. Carlson Steven R. (417 2nd Ave. Beach ND 58621) Carlson Paul R. (417 2nd Ave. Beach ND 58621), Point-of-sale device particularly adapted for processing checks.
  382. Rogge Stanley A. (Houston TX) Cooper Christophe K. (Kingwood TX), Point-of-sale system using multi-threaded transactions and interleaved file transfer.
  383. Suda Hiroshi (Kawasaki JPX), Point-of-sale terminal.
  384. Halpern John W. (14 Belsize Park Gdns. London ; N W 3 GB2), Portable data carrier incorporating manually presettable processing modes.
  385. McMahon Steven A. ; McQueen Alexander M. ; Schler Matt D., Portable data module and system for consumer transactions.
  386. Dreifus Henry N. (Narberth PA), Portable electronic transaction device and system therefor.
  387. Boston Vincent (San Mateo CA), Portable financial transaction card capable of authorizing a transaction in foreign currencies.
  388. Hale William J. (Dayton OH) Horst William R. (Dayton OH) Riley Ellen P. (Centerville OH), Portable personal terminal for use in a system for handling transactions.
  389. Lewis William H., Portable system for personal identification based upon distinctive characteristics of the user.
  390. Stimson Charles J. (Garland TX) Beshear Brady S. (Garland TX), Pre-paid card system and method.
  391. Stimson Charles J. ; Beshear Brady S., Pre-paid card system and method.
  392. Stich Rebecca ; Ramsburg Douglas ; Rice Ginger A. ; Wantz John L. ; Dalgauer Don ; Nassoiy Stephen R., Prepaid card.
  393. McKoy Reginald V. (Silver Spring MD) Chin-Aronds Lilly (Clark NJ) Farris Robert D. (Sterling VA), Prepaid cash card.
  394. Igaki Takahisa (Chikushino JPX), Preparation for epidermis.
  395. Vohrer Christoph (Hattsteiner Str. 22 ; D 6420 Konigstein 2 DEX), Process for producing a reinforced tube.
  396. Giuliani John A., Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store.
  397. Teicher Mordechai,ILX, Processing system and method for a heterogeneous electronic cash environment.
  398. Sakamoto Yoshitsugu,JPX ; Kawahara Shinsuke,JPX ; Handa Kimio,JPX ; Nishizawa Hideto,JPX ; Sato Haruro,JPX ; Furuya Toshiyuki,JPX ; Hosoi Tsutomu,JPX ; Yamada Takashi,JPX ; Wakabayashi Fujio,JPX, Processing system for charge request data.
  399. Burks Rupert T. (New York NY) Boska Joseph M. (Sandy UT), Product distribution equipment and method.
  400. Wallerstein Robert S. (9782 Tottenham Ct. Beverly Hills CA 90210), Programmable credit card.
  401. Wynn Sol H., Programmable multiple company credit card system.
  402. Wallerstein Robert S., Programmable transaction card.
  403. Weinstein Stephen B. (Summit NJ), Protection system for intelligent cards.
  404. Sandberg-Diment Erik, Providing verification information for a transaction.
  405. Arakaki, James S.; Khan, Mohammad A.; Pariseau, David Kevin; Fernandes, Jorge M.; De Lima, Marcelo Alves Bezerra; Khan, Ahmer Ali; Brown, Kerry D., Proximity interface for transaction acceptance systems.
  406. Arakaki, James; Khan, Mohammad A.; Fernandes, Jorge; Brown, Kerry, Proximity interface with advertising insert for transaction acceptance systems.
  407. Weiss Allan N. ; Shiller Robert J., Proxy asset data processor.
  408. Greaves David J.,GBX ; Bradbury Richard J.,GBX, Proxy-controlled ATM subnetwork.
  409. Nethery Kee, Purchaser generated transaction recording and negotiable instrument payment system.
  410. Cohen Jeffery M. (Boca Raton FL) Robertson Ian M. (Boca Raton FL), Purchasing system with rebate feature.
  411. Biship,Fred; Saunders,Peter D, RF payment via a mobile device.
  412. Raspotnik William B., Radio frequency transponder stored value system employing a secure encryption protocol.
  413. Cunningham Gordon Cotter, Real-time financial card application system.
  414. Halliburton ; Jr. W. Ken (1618 Haynes Dr. Murfreesboro TN 37130), Redeemable coupon disbursement control and reporting system.
  415. Kanter Mark W. (Lyndhurst NJ), Referral recognition system for an incentive award program.
  416. Leonard Eugene (Sands Point NY) Perlman Bill (New York NY), Reliable secure, updatable “cash”card system.
  417. Ballard Claudio R., Remote image capture with centralized processing and storage.
  418. Ballard Claudio R., Remote image capture with centralized processing and storage.
  419. Green Jonathan B. (Belmont MA) Pope William R. (Cambridge MA), Remote ordering system.
  420. Powell Ken R., Retail store having a system of receiving electronic coupon information from a portable card and sending the received co.
  421. Johnson,Lance; Buckley,Brian; Kocher,Paul C.; Meffert,Peter, Routing methods and systems for increasing payment transaction volume and profitability.
  422. Bezos Jeffrey P., Secure method and system for communicating a list of credit card numbers over a non-secure network.
  423. Moreau Thierry (Montreal CAX), Secure payment method using facsimile.
  424. Jalili Reza, Secure purchase transaction method using telephone number.
  425. Chasek Norman E. (24 Briar Brae Rd. Stamford CT 06903), Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes.
  426. Morrison ; Jr. William T., Security system and method for business transactions with customers.
  427. Lozier, Bradley L.; Reyner, Morrison; Sampier, James D., Self service kiosk which dispenses vouchers.
  428. Hyde ; Jr. Thomas A., Self service method of and system for cashing checks.
  429. Patterson David,GBX ; Coutts Michael G.,GBX, Self-service system.
  430. Hahn-Carlson Dean W., Shipment transaction system and an arrangement thereof.
  431. Claus David Michael ; Moran John Christian ; Murphy Kevin Dean ; Thompson Wanda Green, Smart card for automatic financial records.
  432. Carlisle William Reid (Morristown NJ) Curtis Lydia Anne (Bridgewater NJ) Murphy Kathleen M. (Bedminster NJ) Skibo Richard John (Skillman NJ), Smart card with multiple charge accounts and product item tables designating the account to debit.
  433. Mandelbaum Richard (Manalapan NJ) Sherman Stephen A. (Hackettstown NJ) Wetherington Diane R. (Bernardsville NJ), Smartcard adapted for a plurality of service providers and for remote installation of same.
  434. Lalonde Michael G. (37825 Mallast Harrison Township MI 48045), Structure for a method of facilitating charge transactions.
  435. Liebermann,Raanan, System and a method for carrying out personal and business transactions.
  436. Burton James F. (Ladue MO) Henke Daniel L. (St. Louis MO), System and method for administration of incentive award program through use of credit.
  437. Shaw James G., System and method for allocating company resources to fulfill customer expectations.
  438. Berardi,Michael J.; Bliman,Michal; Bonalle,David; Elwood,Jennifer Anne; Hood,Matthew C.; Isenberg,Susan E.; Mayers,Alexandra; Perry,Trevor J.; Saunders,Peter D.; Scheding,Kathryn D.; Shah,Sejal Ajit;, System and method for assigning a funding source for a radio frequency identification device.
  439. Bishop,Fred; Saunders,Peter D, System and method for authenticating a RF transaction using a transaction account routing number.
  440. Norton Robert G., System and method for authorizing electronic funds transfer at a point of sale.
  441. Dworkin Ross E. (Parkside PA), System and method for automated selection of equipment for purchase through input of user desired specifications.
  442. Riehl,Louis; Anderson,George, System and method for back office processing of banking transactions using electronic files.
  443. Hogan Edward J. (Bayside NY), System and method for bill delivery and payment over a communications network.
  444. Buddle, James Joseph; Burke, Brenda Sue; Perkins, Rodney Albert; Roday, Leon Ellis; Tartaglia, Renee; Vermiglio, Ivan Antonio, System and method for compliance management.
  445. Hogan Edward J. (Bayside NY), System and method for conducting cashless transactions on a computer network.
  446. Rose Sandra T. ; Elstrod John ; Andrews Patricia C. ; Forbes Charles G. ; Donovan Joseph M. ; Klinger Lynn M., System and method for deriving financial responsibility identification.
  447. Crane,Suzanne P.; Sheire,Marcus; Sweazy,Mark D.; Hein,Bonnie; Prairie,Joan; Metcalf,Rockwell, System and method for dividing a remittance and distributing a portion of the funds to multiple investment products.
  448. Houvener Robert C. ; Hoenisch Ian P., System and method for efficiently processing payments via check and electronic funds transfer.
  449. Anderson Michael W. ; Merritt David L. ; Matthews John W., System and method for electronically processing invoice information.
  450. Kight Peter J. ; Johnson Mark A. ; Christenson Tamara K. ; Lach Regina ; Pointer Philip ; Cook Kenneth, System and method for electronically providing customer services including payment of bills, financial analysis and lo.
  451. Walker Jay S. ; Jindal Sanjay K. ; Tedesco Daniel E., System and method for establishing and executing functions to affect credit card accounts and transactions.
  452. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  453. MacFarlane Lloyd ; Driskell Dwight D. ; Henley Vivian C. ; Lane Nancy C. ; Greenspan Michael ; Nielsen Betty J., System and method for generating an invoice to rebill charges to the elements of an organization.
  454. Richardson Keith D. ; Greif Jeff ; Buedel Doug ; Aleksandrovsky Boris, System and method for message process and response.
  455. Boesch Brian Paul ; Crocker Stephen David ; Eastlake ; III Donald Eggleston ; Hart ; Jr. Alden Sherburne ; Jackson Andrew ; Lindenberg Robert A. ; Paredes Denise Marie, System and method for multi-currency transactions.
  456. Coppersmith Don ; Raghavan Prabhakar ; Zimmerman Thomas G., System and method for near-field human-body coupling for encrypted communication with identification cards.
  457. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
  458. Landry George W., System and method for paying bills and other obligations including selective payor and payee controls.
  459. Landry George W. (Cincinnati OH), System and method for paying bills and other obligations including selective payor and payee controls.
  460. Anderson Milton M. (Fair Haven NJ), System and method for paying bills electronically.
  461. Slater Alan, System and method for performing an electronic financial transaction.
  462. Watson Craig, System and method for pre-authorization of individual account transactions.
  463. Baronowski Walter ; Feldstein Michael ; Meenan Robert ; Simone Victor ; Weil David ; Young Andrew, System and method for providing a line of credit secured by an assignment of a life insurance policy.
  464. Josephson Stanley M., System and method for providing advance notification of potential presentment returns due to account restrictions.
  465. Scroggie Michael C. ; Kacaba Michael E. ; Rochon David A. ; Diamond David M., System and method for providing shopping aids and incentives to customers through a computer network.
  466. Scroggie Michael C. ; Kacaba Michael E. ; Rochon David A. ; Diamond David M., System and method for providing shopping aids and incentives to customers through a computer network.
  467. Scroggie Michael C. ; Kacaba Michael E. ; Rochon David A. ; Diamond David M., System and method for providing shopping aids and incentives to customers through a computer network.
  468. Scroggie, Michael C.; Kacaba, Michael E.; Rochon, David A.; Diamond, David M., System and method for providing shopping aids and incentives to customers through a computer network.
  469. Norris Jeffrey A., System and method for real time loan approval.
  470. Saunders,Peter D., System and method for remotely initializing a RF transaction.
  471. Fox, Barbara L.; Waters, Lester L.; Spelman, Jeffrey F.; Seidensticker, Robert B.; Thomlinson, Matthew W., System and method for secure electronic commerce transaction.
  472. Rosen Sholom S., System and method for secure presentment and payment over open networks.
  473. Tannenbaum David H. (6219 Raintree Ct. Dallas TX 75240), System and method for tracking memory card transactions.
  474. Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
  475. Crosskey James P. ; Mei Mark Gee-Gwo ; Ragavan Harish ; Wu Kun-Lung ; Yu Philip Shi-lung, System and method of multiparty billing for Web access.
  476. Walker Darcy ; Sussman Lawrence J. ; Mayr Mona ; Dean ; Jr. Charles G. ; Seib Dennis ; Musci Richard ; Marino Glenn, System and method to performing on-line credit reviews and approvals.
  477. Sharpe Murem S. (Stamford CT) Bryson Eugene (Redding CT) Manduley Flavio (Woodbury CT) Riordan ; II Eben M. (Southport CT) Flesser Brian D. (Norwalk CT), System for centralized processing of accounting and payment functions.
  478. Samuel DeFazio ; Rajiv Chopra ; Jagannathan Srinivsan ; Melliyal Annamalai, System for efficient content-based retrieval of images.
  479. Klesse Richard C. (Neshanic Station NJ), System for establishing and administering funded and post-funded charge accounts.
  480. Geer Terry L., System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the poi.
  481. Van Remortel Fred (400 N. Union St. Alexandria VA 22314) Clow Stanley H. (Indian Hollow Rd. Mendham NJ 07945), System for funding, analyzing and managing health care liabilities.
  482. Cole Gary Lee ; Engleman Scott Phillip, System for identifying new web pages of interest to a user.
  483. Field Richard G., System for invoice record management and asset-backed commercial paper program management.
  484. Gerbaulet Jean-Pierre (rue des Abondances 92100 Boulogne FRX), System for management of common purchase operations for goods and services.
  485. Wojcik Casimir M. (Tampa FL) Pretto Paul A. (Clearwater FL) Courier Jim (Dade City FL) Morrow Bob (Plant City FL) Wehry ; Jr. Joseph R. (Riverview FL) Kuczynski Paul (Tampa FL) Edwards Matt F. (Dade , System for managing customer orders and method of implementation.
  486. Hoffman Frank (1760 Willow Rd. Hillsborough CA 94010), System for promoting account activity.
  487. Fuhrmann Norbert (Palm Beach Gardens FL) Friedman Nick (West Palm Beach FL), System for providing a warning when vehicles approach a common collision point.
  488. Hughes Thomas S. (31310 Eagle Haven Cir. ; Ste. 100 Rancho Palos Verdes CA 90274) Molina Gustavo (24292 Rhona Dr. Laguna Niguel CA 92656), System for remote purchase payment transactions and remote bill payments.
  489. Richard Bissonette ; Christopher Royal Corrie ; William Lee Wingate, III, System integrating credit card transactions into a financial management system.
  490. Miller Steven K. (Germantown MD) Mandato Frank E. (Damascus MD) Gursahaney Suresh K. (Gaithersburg MD), System, data processing method and program to provide a programmable interface between a workstation and an archive serv.
  491. Kramer Glenn A., System, method and article of manufacture for a modular gateway server architecture.
  492. Bahreman Ali Reza, System, method and article of manufacture for dynamic negotiation of a network payment framework.
  493. Williams Humphrey ; Hughes Kevin ; Parmar Bipinkumar G., System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment.
  494. Levine David A. ; Levine Monica L. ; Minton Gabriel D. ; Poletti Jon ; Sondregger Dean, System, method and computer program product for online financial products trading.
  495. Lunt, Teresa F.; Franklin, Matthew K.; Hecht, David L.; Berson, Thomas A.; Stefik, Mark J.; Dean, R. Drew; Bell, Alan G.; Breuel, Thomas M.; Cass, Todd A.; Curry, Douglas N.; Greene, Daniel H.; Kriva, Systems and methods for forgery detection and deterrence of printed documents.
  496. Britton, Kathryn H.; Ims, Steve Dale; Topol, Brad B., Systems, methods and computer program products for tailoring web page content in hypertext markup language format for display within pervasive computing devices using extensible markup language tools.
  497. Moskowitz,Scott A., Systems, methods and devices for trusted transactions.
  498. Day,Larry J.; Weinkauf,Merle S.; Knutson,Theodore, Targeted marketing and purchase behavior monitoring system.
  499. McAllister Alex (Wheaton MD), Telephone based credit card protection.
  500. Ditzig Albert (Hoffman Estates IL) Oldani Jerome L. (Aurora IL), Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot.
  501. Stimson Charles J. (Garland TX) Beshear Brady S. (Garland TX), Telephone pre-paid calling card system and method.
  502. Granzow Robert H. (Miamisburg OH) Myers Kimbrough I. (Kettering OH), Teller-assisted, customer-operated ATM document cashing system.
  503. Borison Victor Scott (Middletown NJ) Mattes Hans George (Ocean Township ; Monmouth County NJ) McDowell ; III Colonel Blake (Holmdel NJ) Schramm George William (Oakhurst NJ) Soloway Gerald Steven (Mor, Terminal apparatus.
  504. Mannik Kallis H. (P.O. Box 43 Webster NY 14580), Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as t.
  505. Pare ; Jr. David Ferrin ; Hoffman Ned ; Lee Jonathan Alexander, Tokenless biometric transaction authorization method and system.
  506. Loy, John J., Trade receivable processing method and apparatus.
  507. Ogasawara Nobuo (Koganei JPX) Ozaki Yoshiyuki (Yokohama JPX), Transaction authentication system.
  508. Blonder Greg E. ; Greenspan Steven Lloyd ; Mirville J. Robert ; Sugla Binay, Transaction authorization and alert system.
  509. Warther Richard O. (25 Sheffield La. West Chester PA 19380), Transaction card mailer and method of making.
  510. Francini Joseph P. (Castro Valley CA) Asbo Einar L. (Mill Valley CA) Boston Vincent (San Mateo CA), Transaction card with magnetic stripe emulator.
  511. Haigh Steven Paul, Transaction processing system and method.
  512. McCrindle John A. (Chelmsford GB2) Steiner Antony F. (Chelmsford GB2) Jackson Andrew M. (Chelmsford GB2), Transaction system.
  513. Ernest Earl Woodward ; Ronald William Borgstahl ; Jeffrey Martin Harris, Transaction system and method therefor.
  514. Collin Thierry (Courbevoie FRX), Transaction system of the electronic purse type.
  515. Boston Vincent (San Mateo CA) Boggan Elvis W. (Concord CA) Asbo Einar L. (Mill Valley CA), Transaction system with off-line risk assessment.
  516. Templeton Randy Joe (Bellaire TX) Gulden Gerald (Houston TX), Transaction system with on/off line risk assessment.
  517. Hayashida Shoji,JPX, Transaction terminal for an electronic cashless system.
  518. Campbell Walter G. (Flemington NJ) Garland Charles J. (Randolph NJ) Hollowell David A. (Morristown NJ) Orleanski Robert (Pittstown NJ) Wegrzynowicz Carol A. (Holmdel NJ), Transmission of check images by way of a public switched telephone network.
  519. Zimmerman Fred ; Severson Verne, Unattended POS system for automatic control of bank system rejections.
  520. Macco Richard (102 Warren Dr. Aberdeen NJ 07747), Union member accounts management system.
  521. Pavlov Leonidas P. (Colorado Springs CO) Aba-Jbara Nabil M. (Colorado Springs CO), Unitary, self-contained card verification and validation system and method.
  522. Pitroda Satyan G. (1480 Golden Bell Ct. Downers Grove IL 60515), Universal electronic transaction card including receipt storage and system and methods of conducting electronic transact.
  523. Ed Pool ; Doug Mauer, Universal shopping center for international operation.
  524. Spencer Wyner (San Francisco CA), Usage promotion method for payment card transaction system.
  525. Liddy Elizabeth D. ; Paik Woojin ; McKenna Mary E. ; Weiner Michael L. ; Yu Edmund S. ; Diamond Theodore G. ; Balakrishnan Bhaskaran ; Snyder David L., User interface and other enhancements for natural language information retrieval system and method.
  526. Jay S. Walker ; T. Scott Case, User-generated traveler's checks.
  527. Ingo Von Medvey DE; Thomas Rajcsanyi DE; Peter Hanssle DE; Joachim Werres DE, Using a dicarboxylic acid dialkyl ester brightening.
  528. Clitherow Michael T. (White House Station NJ), Virtual calling card system.
  529. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Virtual private lock box.
  530. Clapper ; Jr. Ronald C., Voucher and game ticket combination and apparatus and method used therewith.
  531. Morrill ; Jr. Paul H., Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities.
  532. Fissmann Hans-Joachim,DEX ; Wohlfahrt Matthias,DEX, Wound roll support in a web winding machine.

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  3. Johansen, Joseph N., Facilitating dynamic across-network location determination using augmented reality display devices.
  4. Johansen, Joseph N., Facilitating dynamic across-network location determination using augmented reality display devices.
  5. Johansen, Joseph N.; Dintenfass, Katherine, Real world gamification using augmented reality user devices.
  6. Votaw, Elizabeth S.; Ogrinz, Michael; Wadley, Cameron D.; Lee, Jisoo; Dintenfass, Katherine; Wyllie, Graham M.; Dravneek, Victoria L., Remote document execution and network transfer using augmented reality display devices.
  7. Waldron, Willard H.; Dravneek, Victoria L.; Johansen, Joseph N.; Goebel, Darryl C., Virtual behavior training using augmented reality user devices.
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