Construction payment management system and method with real-time draw notification features

Systems and methods to facilitate payment for shipped goods

Method and system to provide user created social networks in a distributed commerce system

Method for financing real estate purchases

Construction payment management system and method with automatic workflow management features

SYSTEM AND METHOD FOR MOBILE LOYALTY PROGRAM

System and method for enabling wireless internet access in public areas

Computerized national online parcel-level map data portal

Sales completion system for mobile devices that supports invoice display and approval

Method and apparatus for payment without payment card infrastructure

System and method for facilitating payment via a communications network using value accredited to a customer of the communications network

System and method for variably regulating order entry in an electronic trading system

Devices and methods for monitoring transaction data from point-of-sale devices

Method and system for handling disputes in an electronic invoice management system

Apparatus and method for producing electronic media on demand

SECURITY SYSTEMS FOR A PAYMENT INSTRUMENT

Systems and methods for purchasing goods and collecting donations

Centralized payment processing system

System and Method for Regulatory Compliance Assessment of Settlement Statement Data

Financing structure

System and method for variably regulating order entry in an electronic trading system

SYSTEM AND METHOD FOR MOBILE LOYALTY PROGRAM

Stored value card validation

Accounting apparatus, accounting method, and computer-readable program storage medium for storing program having accounting function

System and method for hybrid single and aggregation sale

System for categorizing inventory and securing purchase and sale

Payment apparatus and method

Method, apparatus, and computer readable medium for facilitating transactions

Computer-implemented method and system for grouping receipts

Method and apparatus for accepting check deposits via the internet using browser-based technology

Revenue management systems and methods

System and method for processing electronic payments

Method of evaluating a benefit plan

Methods and systems for generating dynamic reward currency values

Anti-financial crimes business network

Processes and systems employing multiple sources of funds

Methods and systems for netting of payments and collateral

Transaction settlement using value exchange systems and methods

Method and apparatus for consumer interaction based on spend capacity

Method, system, and computer program product for managing an electronic contract

METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERICAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE

Tracking a fuel cell

System and method for making a payment from a financial account

Authorization techniques

Systems and methods for generating bills

Method and system for virtual consolidation of biller direct web sites

POS terminal for easy split-the-bill settlement

METHOD AND APPARATUS FOR PROCESSING ANNUITIES

Automated transaction processing system and approach with currency conversion

Method for increasing sales of vehicles at an automobile dealership using a hand held scanner and a data base link

Payment system and method for data broadcasted from a remote location to vehicles

Authorization and capture with multiple currencies

METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL

Method and apparatus for providing and processing installment plans at a terminal

System and methods for secure transaction management and electronics rights protection

METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERICAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE

Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce

Online debit cardless debit transaction system and method

Flexible billing adjustment system

METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL

Digital mobile telephone transaction and payment system

Devices and methods for monitoring distributed services

Method of enabling purchasing via a printed interactive form

SPENDING VEHICLES FOR PAYMENTS

BILING STATEMENT CUSTOMER ACQUISTION SYSTEM

Billing statement customer acquisition system

BILLING STATEMENT CUSTOMER ACQUISTION SYSTEM

Fraud-free payment for internet purchases

Method and server for transmitting data

Controlling expenditures by applying rules specified for categories of purchased items

Systems and methods for secure transaction management and electronic rights protection

Payment system and method

Advanced messaging system and method

Method and system for facilitating network transaction processing

Method and system for direction of funds to non-profits

Systems and methods for administering return sweep accounts

Systems and methods for managing client accounts

Cryptographic methods, apparatus and systems for storage media electronic rights management in closed and connected appliances

Method for predicting call center volumes

Method for determining the best day of the week for a recipient to receive a mail piece

Method for predicting when mail is received by a recipient

Method for dynamically controlling call center volumes

Approving ACH operator processing of ACH payments based on an originating depository financial institution's approved originator list

Promise to purchase real estate system and method

Electronic payment system for financial institutions and companies to receive online payments

Systems and methods for rewarding debit transactions

System and method for registering commodities using an electronic warehouse receipt

Method and system for determining and providing communications service based on a customer request

System and method for enhancing financial institution revenues through acceleration of debit processing

Method and system to create and distribute excess funds from consumer spending transactions

Financial collaboration networks

Method and system for brand management

Advanced insurance record audit and payment integrity

Cryptographic methods, apparatus and systems for storage media electronic rights management in closed and connected appliances

Controlling access to electronic content

System and method for interrelating and storing advertisements, tearsheets, and invoices

Method and apparatus for processing payment requests

Centralized electronic bill presentment

Centralized customer care for electronic payments and other transactions via a wide area communications network

Facilitating electronic payment on behalf of a customer of electronic presented bills

Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card

Wealth replacement rider

Payment system and method for use in an electronic commerce system

Method and apparatus for money transfer

System and method for document imaging management

Data processing technique for providing a cash rebate in a loan program

Method of reversing an erroneous invoice

Electronically assisted enterprise journal system

Integrated electronic presentment and payment of bills by different entities

System for on-line financial services using distributed objects

Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card

Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card

Internet billing method

Systems and methods for re-amortizing a borrower's monthly payment for collection and payment to a lender

System and method for processing financial transactions using multi-payment preferences

System and method for calculating expected approval rates

Systems and methods for secure transaction management and electronic rights protection

System and method for offering and managing online purchasing card transactions

System, method, and computer program product for receiving and processing payments

Enterprise billing system for medical billing

Systems and methods for management and analysis of telecommunication access service

Systems and methods for improving auction liquidity

Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card

Systems and methods for preparation of an intellectual property filing in accordance with jurisdiction- and/or agent-specific requirements

System and method for managing and processing stored-value cards and bill payment therefrom

System and method for mailing services including notification to recipient of items requiring time sensitive actions

Processing system for recording media content

Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card

Electronic money apparatus and an electronic circuit

Electronic apparatus, charging system and method, charge processing device, storage medium, and prepaid card

Bill payment systems and methods using a kiosk

Systems and methods for processing and providing a payment

Multi-supplier transaction and payment programmed processing system and approach

Credit instrument and system providing multiple services including access to credit services and access to a service provider club

Wireless payment methods and systems

Computerized system and method for an automated payment process

System, method and computer readable medium containing instructions for evaluating and disseminating investor performance information

System, method and computer readable medium containing instructions for evaluating and disseminating investor performance information

Pre-funding system and method

Payment instrument notification

Payment processing method and system

Auto substantiation for over-the-counter transactions

Method of processing investment data and making compensation determinations and associated system

Premium SMS billing method

Distributed voice network

Method and system for electronic billing and reconciliation

Real time payment transaction system and method

Apparatus and method for verifying source of funds regarding financial transactions

Purchasing on the internet using verified order information and bank payment assurance

Secure networked transaction system

Process of sending access data to a vehicle mounted subscriber station for a special access mode to a service provider station

System and method for cost accounting in a healthcare environment

System and methods for accessing high-profile individuals

Electronic system for provision of banking services

System and method for servicing student financial needs

Systems and methods for processing promissory transactions as debit transactions

Integrated proxy interface for web based data management reports

Business method for credit card verification

Exception reporting and management

Method for transacting a trade electronically, and a system therefor

Communication terminal

Methods, systems, and products for providing electronic media

Efficient and incentivized enrollment in an automatic payment program for recurring bills

Applying scanned information to identify content

Method and system for electronically viewing multi-page documents while preserving appearance of printed pages

Transfer instrument

Billing system, mobile terminal, and billing method

Billing system, mobile terminal, and billing method

Method and apparatus for facilitating online payment transactions in a network-based transaction facility

System and method for automated payment and adjustment processing

Method and system for merchant processing of purchase card transactions with expanded card type acceptance

Method and system for merchant processing of purchase card transactions with expanded card type acceptance

System for automatically transferring account information, such as information regarding a financial services account

Installation and method for trading in inflation

Investment vehicle for guaranteed lump sum payout and rollover/income option

Content usage management system method, and program providing medium therefor

System and method for automated payment and adjustment processing

Deferred compensation method

System and method for funding a retirement account

Count and login management

Audio/visual clips

Method and apparatus for holding an online live auction to combine features of both the Internet and traditional, real world auctions

Program for alternative funding of employee and retiree benefits

Program for alternative funding of employee and retiree benefits

Method of generating post-delivery revenue and recording post-delivery activity associated with preloaded inactivated resident applications

Capacity management and timing

Categorization of summarized information

Systems and method for integrating multiple interaction arrangements

Mobile terminal device, mobile terminal method, mobile terminal program, and electronic money server

Handheld device for capturing text from both a document printed on paper and a document displayed on a dynamic display device

Integrated customer web station for web based call management

Internet server access control and monitoring systems

Method for computer network operation providing basis for usage fees

System and method for management and verification of invoices

System and method for management and verification of invoices

Strategic payment allocation system

Method and system for categorizing items automatically

Method and system for automatically detecting that international shipment movement has satisfied a threshold condition

System and method for processing work products for vehicles via the world wide web

Invoice verification process

Method for securing a payment transaction over a public network

System and method for generating expense information

System for visualizing financial data

Methods, systems and computer program products for data gathering in a digital and hard copy document environment

Data sending/receiving method and apparatus, data receiving apparatus and data sending apparatus

Data sending/receiving method and apparatus, data receiving apparatus and data sending apparatus

Methods and systems for performing credit transactions with a wireless device

Methods and systems for managing consumer transactional accounts

Method and apparatus for ordering goods, services and content over an internetwork

System and method for imbedding a defined benefit in a defined contribution plan

Method and system for using payment cards as a payment option within an online bill payment and presentment solution

Consistent set of interfaces derived from a business object model

Point of sale systems and methods for consumer bill payment

Dynamic financial liability management

Credit/debit card payment system

System and method for resolving transactions

System for resolving transactions

System and method for compiling information for resolving transactions

Flexible cost and revenue allocation for service orders

Systems and methods for auctioning government items

Method and apparatus for ordering goods, services and content over an internetwork

System and method for granting deposit-contingent e-mailing rights

Energy efficient homeownership mortgage program

Negotiable instrument clearing server and method

Method and apparatus for insuring and paying annuities for patents

System and method for issuer originated payments for on-line banking bill payments

Database device & methods for managing and manipulating electronic titles

Insurance system and method for a high-risk asset purchaser or lessee

Electronic payment transaction system

System and method for pay-per-click revenue sharing

Micro-payment system architecture

Combined asset debt elimination membership organization and debt elimination method

Method and system for debt recovery

Cellular telephone based payment apparatus and method for use in purchase of good and services

Submitting requests with degrees of satisfaction to be used for fuzzy evaluation of responses

System and method of voice recognition near a wireline node of network supporting cable television and/or video delivery

Method and system for character recognition

System and method for expert service providers to provide advice services through unique, empowered independent agents to consumers

Multi-purpose kiosk and methods

Electronic payment system with rejection option

Method of effecting a payment to a service provider on behalf of a member of a medical scheme and a system therefor

Conscription income protection plan and military draft insurance

Method and system for integrated payment processing

Accounting and account reconciliating system

Wireless network access prepayment systems and methods

METHOD AND APPARATUS FOR MAINTAINING LINKED ACCOUNTS

Electronic bill presentment via a wide area communications network

Account settlement method in online shopping

Systems, methods, and devices for combined credit card and stored value transaction accounts

Financial management system

Information gathering system and method

Methods and apparatus for facilitating a currency exchange transaction

System and method for evaluating and enhancing source anonymity for encrypted web traffic

Method and system for purchase card utilization and data reconciliation with enterprise resource planning/financial software

System and method for pricing of merchant accounts

Price improvement in electronic trading system

System and method of margining fixed payoff products

Method and system for tracking computer system usage through a remote access security device

Archive of text captures from rendered documents

Adding information or functionality to a rendered document via association with an electronic counterpart

Method and system for borrowing base certificate administration

Methods and systems for providing a financial account charging a flat amount

Determining, pricing, and/or providing well servicing treatments and data processing systems therefor

Method of Opportunity Solicitation, Referral, and Data Management

Method and system for automatic cue sheet generation

File translation methods, systems, and apparatuses for extended commerce

Triggering actions in response to optically or acoustically capturing keywords from a rendered document

Document enhancement system and method

Establishing an interactive environment for rendered documents

Supplier capability methods, systems, and apparatuses for extended commerce

Fee-based message delivery system

Collaborative negotiation methods, systems, and apparatuses for extended commerce

Cost management file translation methods, systems, and apparatuses for extended commerce

System and method for managing account receivables

System and method for deploying application programs

Publishing techniques for adding value to a rendered document

Management system and management method for charging object apparatus, management apparatus and charging object apparatus

On-line payment method

System and methods for evaluating the quality of and improving the delivery of medical diagnostic testing services

Methods and apparatus for performing resource tracking and accounting at a mobile node

Aggregate analysis of text captures performed by multiple users from rendered documents

System and method for connecting consumers with a diverse set of consultants and experts

Data capture from rendered documents using handheld device

Content access with handheld document data capture devices

Advanced search algorithm with integrated business intelligence

Method and apparatus for effecting payment

Method and apparatus for verifying a financial instrument

Capturing text from rendered documents using supplemental information

Search engines and systems with handheld document data capture devices

Portable electronic device

Payroll system

System and method for tracking emissions

Method and system for expediting payment delivery

Method and system for processing financial transactions

System and method for automated title searching and reporting, reporting of document recordation, and billing

Wireless router system and method

Data processing methods, systems and computer programs for providing a payment using a web service

System and method for verifying payment

Method and system for product distribution and billing

Order-resource fulfillment and management system and approach