Bizarre Patents
Crispy Chip Sandwich and Process of Producing a Sandwich Product
A food product comprising a multilayer cookie or snack having outer layers formed from a crispy type edible food product such as a potato chip or corn chip, etc. with an intermediate marshmallow layer being in contact with the inner surface of each crispy chip and one or more filler substances.
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| Number | Title | Issue Date |
| 8165956 | Bill availability notification and billing information request Systems and methods for presenting billing information are provided. A notice may be transmitted via a network by a bill presentment service provider system comprising one or more computers. The notice may be transmitted in accordance with an e-mail protocol, and th... | 04/24/2012 |
| 8073773 | Technique for identifying probable billers of a consumer A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses informatio... | 12/06/2011 |
| 8010424 | Payment processing with payee risk management A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. A determination is made as to if a requested payment amount is less than a certain amount. The certain amount is associated with the payee and is determined b... | 08/30/2011 |
| 8005754 | Credit card supported electronic payment A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. T... | 08/23/2011 |
| 7996311 | Remittance payment processing with account scheming and/or validation Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consu... | 08/09/2011 |
| 7933826 | Check metaphor for electronic payment authorization To electronically authorize and initiate payment, payment information including a date which pre-dates a due date of a payment by an amount of time corresponding to a time period for making payment in a particular manner. The received payment information is displaye... | 04/26/2011 |
| 7930239 | Automated actions based on restrictions A technique for resolving a violation of an investment account restriction is provided. The restriction is associated with the holding of one or more securities in an investment account. A restriction definition and an associated resolution rule are stored in a data... | 04/19/2011 |
| 7912778 | Systems, methods and computer program products for processing orders subject to investment restrictions Methods and systems process multiple trade orders subject to investment account restrictions. The restrictions are associated with the holding of one or more securities or with a cash position in an investment account. Each received order to perform an investment ac... | 03/22/2011 |
| 7873563 | Systems and methods for automatically backing out buy orders A system and method for identifying a candidate set of at least one buy order associated with an investment account, determining a back out target value that identifies a fiscal amount by which the candidate set must to be reduced, and progressively decrementing a r... | 01/18/2011 |
| 7853524 | Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer Systems and methods for selecting a form for crediting a payee by a payment service provider include receiving a request to pay a payee on behalf of a payer. A form for crediting the payee is selected based on at least one of a comparison of a payer account number a... | 12/14/2010 |
| 7822667 | Distribution of cash deposits and withdrawals in multi-style managed client investment accounts An investment account is managed having associated assets, including shares of different securities, transacted in accordance with a plurality of different investment styles. A cash deposit into such a multi-style investment account and a request for a cash withdraw... | 10/26/2010 |
| 7809624 | Drift determination in multi-style managed client investment account A processor and system are provided for determining drift in an investment account having assets associated with a plurality of investment styles. An actual asset allocation of at least one portion of the investment account is determined. The at least one portion of... | 10/05/2010 |
| 7809617 | Payment processing with selection of a risk reduction technique A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. The service provider identifies one or more risk reduction techniques available for use in fulfilling a received payment request. The risk reduction technique... | 10/05/2010 |
| 7805348 | Systems and methods enabling investment activities via the creation and use of client-specific security files Methods and system for performing an investment portfolio activity. A record associated with a security is stored. The record includes two or more data fields each associated with a respective security attribute, and each data field is associated with a single data ... | 09/28/2010 |
| 7797224 | Systems and methods for automatically backing out by orders A system and method for identifying a candidate set of one or more buy orders associated with an investment account, ordering the buy orders in the candidate set into a chain, determining a back out target value that identifies a fiscal amount by which the candidate... | 09/14/2010 |
| 7792749 | Dynamic biller list generation A method, system and article of manufacture for processing bill payment information. Information identifying a payee is processed. The information is information identifying a payee to whom a payer intends to electronically direct payment. The processing determines ... | 09/07/2010 |
| 7778901 | Integrated electronic presentment and payment of bills by different entities To electronically present bills and request payment of presented bills, billing information representing a bill of a biller for a payee, and an associated selectable payment indicator having a first linking function, are received from a first network site associated... | 08/17/2010 |
| 7729996 | Reuse of an EBP account through alternate authentication A technique for accessing an electronic commerce service is provided in which information associated with a subscriber's account with an electronic commerce service is stored along with first subscriber credentials for that subscriber to access the services. An acco... | 06/01/2010 |
| 7729969 | Coordinated rebalancing by money manager portfolio management systems and a master overlay manager portfolio management system A process and system are provided for determining whether to rebalance an investment account having assets associated with one of the plurality of investment styles relative to an allocation rule is determined. The determined drift is compared with a threshold value... | 06/01/2010 |
| 7711690 | Dual source remittance processing A method and apparatus for electronically processing bill payment requests where respective sets of payment requests are received electronically from a plurality of independent sources, each set of payment requests corresponding to an associated set of payers reques... | 05/04/2010 |
| 7711626 | Systems, methods, and computer program products for adjusting the assets of an investment account Methods of the present invention identify an asset allocation model and at least one security associated there with. An investment account portfolio is stored that includes at least one substitute security associated with the identified at least one security. A virt... | 05/04/2010 |
| 7702585 | Methods and systems for the determination and display of payment lead time in an electronic payment system A system and method for determining and displaying a payment lead time or expected payment delivery time in an electronic payment system is disclosed. A payee associated with a payor is identified. Prior to receiving a payment request to pay the payee on behalf of t... | 04/20/2010 |
| 7702583 | Payment processing with selection of an electronic debiting option A technique for making a payment to a payee on behalf of a payor by a payment service provider is provider. The service provider identifies those of multiple electronic debiting options available for completing a payment request. One of the identified options is sel... | 04/20/2010 |
| 7657484 | Electronic bill presentment via a wide area communications network Bill information is electronically presented to a user via a wide-area communications network. The wide-area communications network has multiple different network sites, including a first network site associated with a first bill information presentment entity, a se... | 02/02/2010 |
| 7653598 | Payment processing with selection of a processing parameter A technique for making a payment to a payee on behalf of a payor is provided. A selection is made, based upon a received payment request, of a processing parameter from a group of processing parameters. The group of processing parameters consists of at least two of ... | 01/26/2010 |
| 7644036 | Credit card supported electronic payments A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. T... | 01/05/2010 |
| 7640197 | Technique for financial account information processing A technique for processing information associated with a financial account is provided. Multiple options for validating and/or altering financial account information exist. A priority value for each of the options is determined. The option having the highest priorit... | 12/29/2009 |
| 7636688 | Electronic bill processing with multi-level bill information storage A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different payors. Requests are received from respective payors for cur... | 12/22/2009 |
| 7636686 | Automated actions based on restrictions A technique for resolving a violation of an investment account restriction is provided. The restriction is associated with the holding of one or more securities in an investment account. A restriction definition and an associated resolution rule are stored in a data... | 12/22/2009 |
| 7606787 | Propagating data to facilitate electronic payments to payees Payments on behalf of a plurality of payors to a plurality of payees are facilitated using respective first data associated with each payor and respective second data associated with each of those payees payable by crediting via electronic funds transfer (EFT), such... | 10/20/2009 |
| 7526448 | Matching consumers with billers having bills available for electronic presentment A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but ex... | 04/28/2009 |
| 7490063 | Remittance payment processing with account scheming and/or validation Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consu... | 02/10/2009 |
| 7426638 | Controlling access to information on a network using an extended network universal resource locator Systems and methods for controlling access to information on a network where a first network entity receives a message requesting access to stored information via a network communication. The received message includes a first component encrypted with a first crypto-... | 09/16/2008 |
| 7415610 | Facilitating access to information stored on a network using an extended network universal resource locator Systems and methods for facilitating access to stored information associated with a user, where a service provider receives, from a network entity controlling access to the stored information, a first message component encrypted with a first crypto-key associated wi... | 08/19/2008 |
| 7395319 | System using contact list to identify network address for accessing electronic commerce application A technique for accessing an electronic commerce function (ECF) is provided. A first signal identifying an entity and an ECF associated with the entity is transmitted to a user from a contact list service. The user selects the ECF, causing a second signal indicating... | 07/01/2008 |
| 7395243 | Technique for presenting matched billers to a consumer A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic billers. This request include... | 07/01/2008 |
| 7392223 | Electronic billing with updateable electronic bill summary An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user station operates, in real time, to... | 06/24/2008 |
| 7383226 | Integrated electronic bill presentment and risk based payment To electronically present and pay bills, bill information representing a plurality of bills of a plurality of billers for a plurality of payors is transmitted to the plurality of payors. The transmitted bill information includes first information representing a firs... | 06/03/2008 |
| 7366697 | Electronic bill presentment with bill categorization A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different payors. Requests are received from respective payors for cur... | 04/29/2008 |
| 7366696 | Electronic billing with flexible biller controlled electronic bill presentment An electronic bill presentment network includes a central network station and a plurality of different user stations. The central network station transmits bill availability information to the user stations to identify available bills of different billers for the di... | 04/29/2008 |
