Abstract: A method of managing payments between a payor and a payee includes receiving by the payee a virtual prepaid card, wherein a predetermined amount of money is held by the virtual prepaid card as a payment to the payee. The method includes receiving by the payee a letter containing a uniform resource locator (URL) of a web page. The webpage is configured to create an online account responsive to transaction data from the payee. The transaction data includes verification information for verifying and associating the payee to the payor and includes the payee's bank account information. The payee can receive the payment via an electronic fund transfer or by processing the virtual prepaid card through a merchant terminal. The virtual prepaid card may be imprinted on the letter.

Abstract: A method of managing payments between a payor and a payee includes receiving by the payee a letter and a negotiable instrument made payable to the payee. The letter contains a uniform resource locator (URL) of a web page configured to create an online account responsive to transaction data from the payee. The transaction data includes verification information verifying and associating the payee to the payor and includes the payee's bank account information. The payee can receive the payment via an electronic fund transfer or by depositing the negotiable instrument at a financial institution. A payment system includes a negotiable instrument made payable to the payee and a letter containing a URL of a web page configured to create an online account responsive to verification information verifying and associating the payee to a payor and responsive to the payee's bank account information.

Abstract: A method for processing transactions comprising receiving transaction data. Electronically determining whether to process the transaction data as a pre-paid transaction or a closed loop transaction using data processing equipment. Processing the transaction using pre-paid network rules if it is determined that the transaction data defines the pre-paid transaction. Processing the transaction using closed loop transaction rules if it is determined that the transaction data defines the closed loop transaction. Scheduling payment as a function of whether the transaction data was processed as the pre-paid transaction or the closed transaction. Generating an explanation of benefits after the payment is scheduled.

Abstract: An invasive prosthesis device is disclosed which includes an electrical circuit having a cathode and an anode for mounting on opposing sides of body tissue requiring healing. The cathode is connected to a source of power for transmitting electrical stimulating signals to the anode as target. The invasive device includes a constant current circuit which may include either a battery source of power or a power source iductively coupled to the constant current source circuit. If the power source is inductively coupled to the constant current source a diode rectifier can be coupled between the inductive coil and constant current source for rectifying the induced ac to dc. The prosthesis device includes a porous surface area located to maximize the bonding strength between the device and the body tissue. The cathode is located in the porous area and powered to limit tissue growth to ingrowth substantially within the porous area only.