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| Number | Title | Issue Date |
| 8121913 | Architecture for account reconciliation An architecture and methodology provides a uniform approach for reconciling accounts in a manner that ensures proper controls, both legal and financial, are being met. In the described implementation, the architecture offers a web-based solution that facilitates onl... | 02/21/2012 |
| 8046277 | Methods and systems for managing reconciliation and write-off in an accrual accounting environment A computer-implemented method of managing reconciliation and write-off data in an accrual-based accounting environment may include steps of retrieving a plurality of transactions associated with a predetermined purchase order from a database coupled to a computer ne... | 10/25/2011 |
| 7822654 | Business analysis tool In accordance with an exemplary embodiment of the invention, a single automated accounting and business analysis system is employed to acquire, organize, record, analyze and plan all the relevant financial and non-financial business metrics required by a company's m... | 10/26/2010 |
| 7590573 | System and method for transferring assets between depreciation books A system and method for transferring an asset, or assets, from a first depreciation book to a second depreciation book possibly in different currencies. In particular a method for automatically transferring an asset from a first depreciation book to a second depreci... | 09/15/2009 |
| 7430530 | Method and a system for automated book-keeping The present invention relates to a method and a system for at least partly automated book keeping through a communication network such as the Internet. According to the inventive method data forwarded over Internet representing instructions for at least one transact... | 09/30/2008 |
| 7403916 | Method and system for correcting payee names and adjusting an account balance for a financial statement Payee names in received financial statements can be substituted for the benefit of users. The financial statements can be electronically received from a financial services provider. The financial statements typically comprise transaction entries that comprise an ori... | 07/22/2008 |
| 7403917 | Reconciling combinations of transactions A system, method, and computer program product provide automated reconciliation of transactions. A transaction in a first list is reconciled with a combination of two or more transactions in a second list. A function, which may be implemented as a recursive function... | 07/22/2008 |
| 7398242 | Risk stripping system and method A method is provided for managing risk associated with at least one financial transaction wherein each of the at least one financial transactions having at least a first risk factor and a second risk factor. The method includes a first step of receiving one of the a... | 07/08/2008 |
| 7383227 | Database for check risk decisions populated with check activity data from banks of first deposit A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that ... | 06/03/2008 |
| 7363261 | Method, computer program product and system for verifying financial data The method, system and computer program product for verifying financial data provides tracking and reporting of the reconciliation and approval process by providing a hierarchical list of users responsible for verification of at least a portion of the financial data... | 04/22/2008 |
| 7328844 | Point-of-transaction machine with improved versatility and related method A system and method for conducting sales transactions in a manner that permits a user to access all aspects of their finances to debit or withdraw funds from an account to fund a sales transaction. The system employs a universal account card that permits the user to... | 02/12/2008 |
| 7330835 | Method and system for tracking and reporting automated clearing house transaction status Tracking and reporting status of automated clearing house (“ACH”) transactions. An ACH operator receives an ACH file comprising an ACH batch comprising an ACH transaction item for ACH processing. The operator tracks a status of the ACH file, batch, and item duri... | 02/12/2008 |
| 7313578 | Method and apparatus for cascading data through redundant data storage units A data storage facility for transferring data from a data altering apparatus, such as a production data processing site to a remote data receiving site. The data storage facility includes a first data store for recording each change in the data generated by the data... | 12/25/2007 |
| 7302408 | Technique for transaction reconciliation A computerized accounting technique is provided. A record of a first type of transaction is identified based upon a record of a second type of transaction. The first type of transaction is a different type of transaction than the second type of transaction. Data is ... | 11/27/2007 |
| 7289974 | System and method for data reconciliation Embodiments of the present invention provide a system and method for data reconciliation. In one embodiment, information identifying data sources to be reconciled may be received. Data may be retrieved from a first data source based on a dynamic link identifying dat... | 10/30/2007 |
| 7287005 | Method for supplementing descriptors for online banking transaction statements Personalized transaction identification information is provided by a user to supplement the generic transaction banking information received from the user's electronic banking service. The personalized transaction identification information is maintained by the user... | 10/23/2007 |
| 7263527 | Grouping selected transactions in account ledger At the time transactions are entered into accounting software data records, a user is given the option of creating a transaction group for transactions expected to appear in an external statement as a single entry. A persistent record of the association of selected ... | 08/28/2007 |
| 7260561 | System and method to facilitate user thinking about an arbitrary problem with output and interface to external components and resources Systems and methods to facilitate user thinking about an arbitrary problem. The systems and methods include an output and interface to external components and resources. A system for facilitating construction of a model representing user understanding about an arbit... | 08/21/2007 |
| 7249073 | Methods and apparatus for a personal financial service provider Systems are provided for administering employee funds and transactions utilizing a personal financial service provider system which allows comprehensive administration of employee accounts. A system for administering employee funds includes a worksite employer havin... | 07/24/2007 |
| 7241005 | Mobile phone with swipe printer A mobile telecommunications device, such as a mobile telephone, includes an internal printer for printing on print media external to the device. A speed sensor measures the speed at which a user moves the device relative to the print media and controls the rate of i... | 07/10/2007 |
| 7240028 | Automated financial register reconciliation in a combined user interface Unreconciled information regarding financial account transactions is received from multiple sources. Transactions identified in the information received from one of the sources are classified according to the probability of matching a transaction identified in infor... | 07/03/2007 |
| 7236950 | Method and system of combined billing of multiple accounts on a single statement A computerized method and system for combined billing for at least one customer on a plurality of customer accounts includes computer applications which automatically assemble and aggregate account charges, such as usage charges, fees, finance charges, discounts, re... | 06/26/2007 |
| 7225175 | System and method of facilitating and evaluating user thinking about an arbitrary problem using visual feedback Preferred embodiments of the invention provide systems and methods of facilitating and evaluating user thinking about an arbitrary problem. The system includes first logic to facilitate user specification of the problem to populate a problem statement structure; sec... | 05/29/2007 |
| 7203667 | System and method of facilitating and evaluating user thinking about an arbitrary problem using an archetype process Preferred embodiments of the invention provide systems and methods of facilitating and evaluating user thinking about an arbitrary problem. The system includes first logic to facilitate user specification of the problem to populate a problem statement structure. It ... | 04/10/2007 |
| 7197488 | System and method of facilitating and evaluating user thinking about an arbitrary problem using an archetype problem structure Preferred embodiments of the invention provide systems and methods of facilitating and evaluating user thinking about an arbitrary problem. The system includes first logic to facilitate user specification of the problem to populate a problem statement structure. It ... | 03/27/2007 |
| 7167711 | System and method for controlling financial transactions over a wireless network A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wire... | 01/23/2007 |
| 7140549 | Method and apparatus for selecting a desired application on a smart card Where there are potentially two or more applications installed on a smart card, with each application having a stored application identifier (AID), a desired application may be selected by specifying a desired application in terms of multiple parameters, retrieving ... | 11/28/2006 |
| 7113925 | Electronic check An electronic check that is created by a secure electronic transmission which can be printed as a paper check by the payee. The electronic check is created by a software program that makes a digital image of the check, securely encrypts the digital image and transmi... | 09/26/2006 |
| 7097097 | Check book unit for use with debit cards A check book unit has a card reader and a PDA-type system. Check transactions are recorded in the unit using the PDA-type unit and a computer keeps track of the balance and other data associated with the check transaction. A card reader is also included and uses one... | 08/29/2006 |
| 7068832 | Lockbox imaging system A system and method for imaging and capturing information from checks and documents contained in a lockbox remittance. A computer workstation is used to generate and print a header sheet that includes information identifying the check. The header sheet is appended t... | 06/27/2006 |
| 7047222 | Secure encryption of data packets for transmission over unsecured networks Pure random numbers from a sheet within a one-time pad are employed to encrypt the bytes of a source data packet and to order the encrypted bytes in a random order within the encrypted data packet. Pure random numbers fill remaining positions within the encrypted da... | 05/16/2006 |
| 7044365 | Method for reconciling a financial account from a portable account register A method for reconciling a financial account of a user on a user device. A user list of transactions that have been entered by the user are accessed. A list of transactions from a financial institution is downloaded. The financial institution list is stored on the u... | 05/16/2006 |
| 7043441 | Method and apparatus using digital credentials and other electronic certificates for electronic transactions A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term certificate to the authenticated user. In addition, risk associated with the... | 05/09/2006 |
| 7003479 | Systems and methods for ordering and distributing incentive messages Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for the incentive messages, and for transferring the incentive message to a... | 02/21/2006 |
| 6996535 | Electronic commerce support method and apparatus A client is connected to a server for providing electronic commerce services in electronic commerce. An order is transmitted for a product in response to an input by a user to the server through a communications network. A trading identifier associated with the orde... | 02/07/2006 |
| 6922673 | Systems and methods for ordering and distributing incentive messages Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for the incentive messages, and for transferring the incentive message to a... | 07/26/2005 |
| 6879964 | Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed for trading on a securities exchange and that are bought and... | 04/12/2005 |
| 6839687 | Consumer-based system and method for managing and paying electronic billing statements A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives a... | 01/04/2005 |
| 6796488 | Automated system and method for check amount encoding at a point-of-sale An automated check encoding system (200) at a point-of-sale includes a point-of-sale register (202) for determining a transaction amount, and an input device (208) coupled to the point-of-sale register (202) for receiving the transaction ... | 09/28/2004 |
| 6760710 | Process and products produced thereby, apparatus, and articles of manufacture, for computerized conversion of preferred-return instruments An improved process for the computerized conversion of preferred-return constant-dollar financial instruments into equivalent nominal-dollar instrument. The method includes providing a first digital electrical computer apparatus including a digital computer having a... | 07/06/2004 |
