A system and method for effectuating Electronic Funds Transfer credit messages (see Fig. 12) is disclosed. The main structural components of the system include a Payment Portal Processor (Web Broker), an Internet Pay Anyone (IPA) Account (1202), a Virtual Private Lockbox (VPL) and an Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The Web Broker is a software application that provides a secure portal for accessing the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a Web Broker enhanced Wallet to fund their account, shop on the web, pay bills, store electronic receipts and transaction history, and check their recent Web Broker enhanced Wallet activity. The IPA is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and the balance in IPA and VPL accounts, and provide online, real-time transaction reports and reconcile accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

Method and system for processing internet payments

The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

System for providing cardless payment

The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

System and method for establishing or modifying an account with user selectable terms

A system and method for integrating the Internet front end-sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution. During the initial sign up for the online access. to its accounts, a customer creates his/her User ID and password online during the same session. Once the customer has signed on (password) and verified ownership of at least one account, the system displays all of the customer's accounts that are available for access via the Internet website. The online ownership verification uses only a single account of the customer and the ownership verification criteria associated with the account. The account used for verifying a customer is first determined based on the accounts selected by the customer for accessing online. From the selected accounts, the system of the present invention creates a verification hierarchy with respect to the accounts. When determining the verification to use for the single ownership verification, the present invention selects the account from the hierarchy with the most stringent requirements.

System and method for single sign on process for websites with multiple applications and services

According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least once a day, whether a first data set relating to the creditworthiness of the account holder has been received from a credit reporting organization; determining, at least once a day, whether a second data set relating to transaction activity of the credit account has been received; periodically receiving from a credit reporting organization a third data set relating to the creditworthiness of the account holder; periodically receiving a fourth data set relating to the historical activity of the credit account; and using the first and second data sets, to the extent they have been received, and the third and fourth data sets to determine a measure of creditworthiness.

System and method for rapid updating of credit information

A network device control unit and method are provided in which the same password is used for both starting up the network management software, and for acquiring information and making settings in the target network device, so that password entry for access to a network device can be omitted and the operability of network management software can be greatly improved. To implement the unit and method, the password entered by the user at start-up of NetSpot is detected, and when the network device to be controlled is selected, the password previously set to control access to this selected network device is acquired. Then this network device password is compared with the NetSpot password, and when the passwords match each other, the password entry for that network device is omitted and the detailed information for that network device is acquired and displayed.

Network data base control device and method thereof

Disclosed herein is a network printer control method, comprising: a installing step for installing a driver program of a printer connected through a network; a first network group identifier acquiring step for acquiring a network group identifier of said network according to said installing step or a network group identifier based on said installing step; a storing step for storing the identifier of said printer and said network group identifier mutually associated; a printing request step for requesting printing in a printer connected to the network same as or different from said printer; and a second network group identifier acquiring step for acquiring a group identifier of the network to which the user is connected according to said printing request or a network group identifier based on said printing request.

Network printing device, and method and control program in device thereof

An information processing method includes a storing step of storing a correspondence between destination names and e-mail addresses in a storage unit; a setting step of setting a destination name to which a document is to be transmitted; and an upload step of uploading the document to a document management server for a network printing in accordance with an e-mail address corresponding to the set destination name, a document being uploaded to the document management server and then being output in response to an output request from an owner of the e-mail address in the network printing. The uploaded document can be downloaded from the document management server to a printer through a communication medium and can be printed.

Information processing device, information processing method, and control program

PROBLEM TO BE SOLVED: To prevent to output erroneously to a printer installed in a remote place when a user moves around work areas and requests printing processing from a network in a movement destination by using a portable PC. SOLUTION: The driver program of a printer connected through the network is installed. A group identifier of the network or a network group identifier based on the group identifier is acquired in accordance with the installation of the program. The identifier of the printer and the network group identifier are correlated and stored. Then a printing request is outputted to a printer connected to the same or different network as/from that of the printer concerned. In accordance with the printing request, the group identifier of the network to which the user's own PC is connected or a network group identifier based on the group identifier is acquired. COPYRIGHT: (C)2005,JPO&NCIPI

Method for controlling network printer, network printer control device and program

A management server is provided that manages a plurality of image forming apparatuses including an image forming apparatus compliant with a setting management function that enables an operation of security information, and an image forming apparatus non-compliant with the setting management function. The management server receives security information from the image forming apparatus, and determines whether the security information includes a change. When the image forming apparatus that is a transmission source of the security information including the change is non-compliant with the setting management function, the management server outputs a notice indicating that the security information including the change as a notice, whereas when the image forming apparatus is compliant with the setting management function, the management server outputs a notice indicating that the security information including the change as a warning.

Tadashi Hagiuda

Papers

Network data base control device and method thereof

Network printing device, and method and control program in device thereof

Information processing device, information processing method, and control program

Method for controlling network printer, network printer control device and program

Management apparatus, control method thereof, and storage medium