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method, Tokenless biometric electronic financial transactions via a third party identicator, Tokenless identification system for authorization of electronic transactions and electronic transmissions, Methods and systems for interactive check authorizations, Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine, Updating of candidatures for appointment using electronic communication, System and method for a risk-based purchase of goods, Hotel check-in system with wireless communication, System and method for electronic transmission, storage, and retrieval of authenticated electronic original documents, Merchant specific debit card verification system, System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds, Method and apparatus for image-based validations of printed documents, Electronic payment interchange concentrator, Bank-centric service platform, network and system, Simultaneous electronic transactions with visible trusted parties, Debit card system and method for implementing incentive award program, Method and apparatus for prepaid phone card activation and billing, Method and system to create, transmit, receive and process information, including an address to further information, Device and method for processing encoded information for bar code and chip card, Method and system for electronic distribution of product redemption coupons, Database computer architecture for managing an incentive award program and checking float of funds at time of purchase, Method for issuing individual chip cards to a plurality of individual chip card users using a neutral chip card dispensing station, Transaction authorization and alert system, Methods and apparatus for providing a prepaid, remote entry customer account, Automated routing of messages over a network, Trusted agents for open distribution of electronic money, Multi-compartment and acceptors computerized vending machine, Suitcase voting booth with access for handicapped persons, System and method for secure electronic commerce transactions, An electronic micro identification circuit that is inherently bonded to a someone or something, Telecommunications call management system, Interactive marketing network and process using electronic certificates, Automatic cash dispenser and gift card to be used for the same, On-line account settlement system, issue system for electronic check and inspection system, Apparatus and method for authenticating the dispatch and contents of documents, Programmable multiple company credit card system, Apparatus and method for singulating sheets and inserting same into envelopes, Removing method for noise in digital image based on projection, System and method for bill delivery and payment over a communications network, Computerized payment system for purchasing goods and services on the internet, Portable data collection terminal 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allowing a money order purchase via an ATM, Computer-printer terminal for producing composite greeting and gift certificate card, Apparatus and method for enhancing the security of negotiable documents, System and method for digital bill presentment and payment, Apparatus and method for enhancing the security of negotiable instruments, Method for protecting content using watermarking, Method and apparatus for secure document timestamping, Automated system and method for checkless check transaction, System, method and article of manufacture for secure network electronic payment and credit collection, System, method and article of manufacture for network electronic authorization utilizing an authorization instrument, Preset amount electronic funds transfer system for gaming machines, Method and system for regulating discounts on merchandise distributed through networked computer systems, Integrated system for global financial services, Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution, Financial transaction processing system and method, System, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture, System, method and article of manufacture for exchanging software and configuration data over a multichannel, extensible, flexible architecture, System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture, System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture, System, method and article of manufacture for a modular gateway server architecture, System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture, Settlement of aggregated electronic transactions over a network, System, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture, System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture, System, method and article of manufacture for managing transactions in a high availability system, System, method and article of manufacture for multiple-entry point virtual point of sale architecture, System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture, System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture, System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture, Process for taking account of a request to use a virtual prepaid card allowing the reuse of its serial number, Customer identification and marketing analysis systems, Fund raising by discounted collection on special issue checks, Sales system for prepayed cards in distribution points, Self-contained payment system with circulating digital vouchers, Method, apparatus and system for verification of infectious status of humans, System and method for a targeted payment system discount program, Secure purchase transaction method using telephone number, Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers, Conditional purchase offer management system for event tickets, Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities, Automated florist system allowing direct contact with delivering florist, System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser, File transfer utility which employs an intermediate data storage system, Computer controlled apparatus and method for inserting mail into envelopes, Payment and transactions in electronic commerce system, Apparatus and method for leasing documents of value, Process for executing payment transactions, Method and apparatus for distributing supplemental information related to printed articles, Electronic bill presentment and payment system, Interactive station indicator and user qualifier for virtual worlds, Digital signatures for data streams and data archives, In-store points redemption system & method, Financial information intermediary system, Method and system for issuing a secured credit card, Method and apparatus for making payments and delivering payment information, Methods and apparatus for regenerating a prepaid transaction account, Method and apparatus for issuing and managing gift certificates, Validation method for electronic cash cards and digital identity cards utilizing optical data storage, Method and system for processing electronic documents, Multi-functional retail terminal and associated method, Method and system of accounting for transaction costs and currency exchange in a hybrid mail system, Promotional system with magnetic stripe and visual thermo-reversible print surfaced medium, Automatic portable account controller for remotely arranging for transfer of value to a recipient, Method and apparatus for fingerprinting and authenticating various magnetic media, Method and apparatus for providing authenticated, secure on-line communication between remote locations, Method and apparatus for automatic check cashing, Power and telecommunications access vending machine, Automatic check cashing using biometric identification verification, Method and system for using intelligent agents for financial transactions, services, accounting, and advice, Data processing method of configuring and monitoring a satellite spending card linked to a host credit card, Method and system for transferring funds from an account to an individual, Purchaser generated transaction recording and negotiable instrument payment system, Method for electronic payment system with issuer control, Method and system for secure online transaction processing, Method and apparatus for awarding and redeeming prepaid telephone time, Receipt form handling system for automated banking machine, Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle, Electronic ticketing system and methods utilizing multi-service visitor cards, Modular signature and data-capture system and point of transaction payment and reward system, System and process for issuing and managing forced redemption vouchers having alias account numbers, Method and apparatus for authenticating a document, Unroll 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Stored-value card value acquisition method and apparatus, Non-cash media card and process of dispensing from automated teller, Method and apparatus for customer loyalty and marketing analysis, Real time bank-centric universal payment system, System and method for providing central notification of issued items, Automatic system for verifying articles containing indicia thereon, Method and system for bill presentment and payment, Remote image capture with centralized processing and storage, Method and apparatus for generating purchase incentive mailing based on prior purchase history, Method and apparatus for generating purchase incentives based on price differentials, Consumer-based system and method for managing and paying electronic billing statements, Portable system for personal identification based upon distinctive characteristics of the user, Credit card spending authorization control system, Electronic online commerce card with customer generated transaction proxy number for 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from multiple financial systems, Removable media for password based authentication in a distributed system, Method and apparatus for billing for transactions conducted over the internet, Method and system for distributing and reconciling electronic promotions, Method and apparatus for facilitating computer network transactions, Integrated bill consolidation, payment aggregation, and settlement system, Gateway apparatus for designing and issuing multiple application cards, Representing a graphic image on a web page with a thumbnail-sized image, Cryptographic encoded ticket issuing and collection system for remote purchasers, Method and apparatus for facilitating customer payments to creditors from a remote site, Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems, Gemstone gift card with video or audio device carrier, Computer-based fee processing for electronic commerce, Computerized resource accounting methods and systems, computerized utility management methods and systems, multi-user utility management methods and systems, and energy-consumption-based tracking methods and systems, Card activation at the distribution agency, Secure messaging system overlay for a selective call signaling system, Method and apparatus for secure distribution of authentication credentials to roaming users, Electronic invoicing and collection system and method with charity donations, System for tracking the receipt and internal delivery of items such as packages, Self-authentication of value documents using encoded indices, System and method for certificating similar components, System and method for performing an electronic financial transaction, Method and system for tracking smart card loyalty points, Method and system for electronically presenting and paying bills, Automated voucher cash-out system and method, 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corresponding to different products, Systems and methods for accessing and modifying usage parameters associated with a financial transaction account, Electronic funds transfer method and system and bill presentment method and system, Method and apparatus for providing product survey information in an electronic payment system, Travel system and methods utilizing multi-application passenger cards, System and method for enhanced fraud detection in automated electronic purchases, Apparatus for establishing debit accounts, System and method for debit account transactions, Electronic transaction verification system, Delivery of goods and services resultant from an electronic commerce transaction by way of a pack and ship type company, Extended smart card communication architecture and method for communication between smart card application and data carrier, System integrating credit card transactions into a financial management system, Personalized greeting card with electronic storage media and method of personalizing same, System and method for administration of an incentive award system having a delayed award payment using a credit instrument, System and method for providing secure URL-based access to private resources, Method and system for co-branding an electronic payment platform such as an electronic wallet, Method and apparatus for providing a discount to a customer that participates intransactions at a plurality of merchants, Information presentation and management in an online trading environment, System and method for using a prepaid card, Personal business service system and method, Methods and apparatus for delivering targeted information and advertising over the internet, Customer activated multi-value (CAM) card, Electronic payment system using intermediate account, Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system, Electronic payment system employing limited-use account number, Method for distributing personalized offers to holders ditessere loyalty 'at point of sale, Method and system for presorting mail based on mail piece thickness, Method and apparatus for transferring money via a telephone call, Use of a processor identification for authentication, Merchant owned, ISP-hosted online stores with secure data store, System and method for using internet based caller ID for controlling access to an object stored in a computer, Method for processing multiple electronic shopping carts, System and method for conducting online financial transactions using electronic funds transfer and public communications networks, System for selectively printing messages and adding inserts to merchant statements, Interactive point access financial and information system, System and method for creating and inserting multiple data fragments into an electronic mail message, Pre-paid card system for purchasing products or services, System and methods for shared electronic purchasing, Collapsible hat and method of collapsing the hat, Method and apparatus for post-transaction pricing system, Point of sale terminal for the visually impaired, Cashless transactions without credit cards, debit cards or checks, System and method for electronically exchanging value among distributed users, Method and system for processing internet payments using the electronic funds transfer network, Server-side public key cryptography apparatus with private key protection and isolation from public networks, Provision of greeting cards and congratulation cards through a global computer network, Method and system for accumulating marginal discounts and applying an associated incentive, Business alliance identification in a web architecture framework, Identification of redundancies and omissions among components of a web based architecture, System for establishing plan to test components of web based framework by displaying pictorial representation and conveying indicia coded components of existing network 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device, Systems and methods for utilizing a point-of-sale system, Systems and methods for configuring a point-of-sale system, Systems and methods for performing transactions at a point-of-sale, Automatic tray handling system for sorter, System and method for distributing stored-value cards, System and method for managing stored-value card data, System and method for performing an on-line transaction using a single-use payment instrument, System and method for providing secure services over public and private networks using a removable portable computer-readable storage, Method and apparatus for opening an envelope in an inserting machine, System for card to card transfer of monetary values, Apparatus and method of delivering signatures to a binding line, Systems and methods of introducing and receiving information across a computer network, Money transfer systems and methods for travelers, System and method for performing money transfer transaction using TCP/IP, Method and system for performing money transfer transactions, Systems and methods for price matching on funds transfers, Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce, Systems and methods for facilitating commercial transactions between parties residing at remote locations, Problem isolation through translating and filtering events into a standard object format in a network based supply chain, Providing collaborative installation management in a network-based supply chain environment, System and method for performing an electronic transaction using a transaction proxy with an electronic wallet, System and method for performing automated currency conversion and order update, Method and apparatus for mapping sources and uses of consumer funds, Methods and apparatus for mapping sources and uses of consumer funds, Method and system for reduced cost debit processing, Virtual cash limited money card for purchasing, to be used mostly through the internet and communication systems, Method and system for making anonymous electronic payments on the world wide web, Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers, Electronic purchase method and funds transfer system, Secure payment method and system over computer network, Piezoelectric identification device and applications thereof, Method and system for securing user identities and creating virtual users to enhance privacy on a communication network, Portable electronic device and point system, System and method for personalizing, customizing and distributing geographically distinctive products and travel information over the internet, Method of and system for effecting anonymous credit card purchases over the internet, A system and method for using loyalty points, Automated ticket cancellation device and process for canceling uniquely numbered tickets, Prepaid entertainment card and methods and systems for using prepaid entertainment card, Method and system for conducting business in a transnational e-commerce network, Method and system for ubiquitous enablement of electronic currency, Payment card and method of payment using a payment card, Methods and systems for network based electronic purchasing system, Financial transaction and/or wireless communication device authorization, notification and/or security apparatus and method, Multi-function transaction processing system, Methods and systems for transferring funds, Automated internet based interactive travel planning and management system, Transaction card with attached auxiliary member, Method for facilitating payment of a computerized transaction, Method and system for modeling business card exchanges in a point-to -point value, Wide area network person-to-person payment, Automated transfer with stored value fund, System and method for distributing personal identification numbers over a computer network, Value transfer system for unbanked customers, Stack section identification method for mail sorting machine uses automatic dispenser for applying adhesive tag to last or first and last letter in each stack section, Method and system for payment over the internet, Improved money transfer system and method with added security features, System and method for loyalty program distribution and settlement, Method and apparatus for managing a financial transaction system, Computer system and method for on-line generating a password protected and barcode prepaid instrument of entitlement and activating said instrument on presentation over a computer network, Loyalty club reward system for use in a broadcast loyalty program, Systems, methods, and apparatus for instant issuance of a credit card, Apparatus and method for selling a ticket to an event and/or to a portion of an event or venue, Method for processing credit card payments made by customers to merchants, System and 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education finance assistance, Method and apparatus for providing a service to transfer messages over a communications network, Method, computer system and computer program product for processing customer loyalty data, Ic card, point service method using ic card, and ic card system, Electronic payment and authentication system with debit and identification data verification and electronic check capabilities, Method for establishing an electronic commerce account, System and method for implementing a loyalty program incorporating on-line and off-line transactions, System and method for providing a reaffirmation credit card including an increasing credit limit, Method for automatically mass generating personalized data report outputs, System and method for networked loyalty program, Electronic identifier payment system and methods, Airline ticket payment and reservation system and methods, Systems and methods for staging transactions, payments and collections, User rewards program and associated communications system, Systems and methods to facilitate games of skill for prizes played via a communication network.

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