Abstract: A method of performing financial transactions between users of accounts comprising electronic messaging and crediting and debiting of at least one financial account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages. With the user's permission, a record of purchases made may be maintained in a marketing database, increasing the value of use's market identity and the corresponding value of receipt charges they user may collect. Major benefits of the invention include, but are not limited to: (1) electronic financial transactions are completed in a more secure manner with appropriate tracking and verification, (2) message recipients receive income from the value of their market identities, and (3) commercial enterprises can more readily identify individuals interested in receiving their commercial offers.

Abstract: A method of performing financial transactions between users of accounts comprising electronic messaging and crediting and debiting of at least one financial account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages. With the user's permission, a record of purchases made may be maintained in a marketing database, increasing the value of use's market identity and the corresponding value of receipt charges they user may collect. Major benefits of the invention include, but are not limited to: (1) electronic financial transactions are completed in a more secure manner with appropriate tracking and verification, (2) message recipients receive income from the value of their market identities, and (3) commercial enterprises can more readily identify individuals interested in receiving their commercial offers.

Abstract: A method of performing financial transactions between users of accounts comprising electronic messaging and crediting and debiting of at least one financial account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages. With the user's permission, a record of purchases made may be maintained in a marketing database, increasing the value of use's market identity and the corresponding value of receipt charges they user may collect. Major benefits of the invention include, but are not limited to: (1) electronic financial transactions are completed in a more secure manner with appropriate tracking and verification, (2) message recipients receive income from the value of their market identities, and (3) commercial enterprises can more readily identify individuals interested in receiving their commercial offers.

Abstract: A method and system for creating a pre-defined electronic transactions is disclosed. The system comprises a server in communication with a database and a computer network, and the server is configured to: (1) receive a request to create a pre-defined electronic transaction from a client computer via the computer network, (2) receive input from the client computer comprising information that at least partially defines the pre-defined electronic transaction, and (3) store the received information in the database.

Abstract: A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one financial account associated with each Summa account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages. With the user's permission, a record of purchases made from the Summa account may be maintained in a marketing database, increasing the value of use's market identity and the corresponding value of receipt charges they user may collect.

Abstract: A method and system for creating a pre-defined electronic transactions is disclosed. the system comprises a server in communication with a database and a computer network, and the server is configured to: (1) receive a request to create a pre-defined electronic transaction from a client computer via the computer network, (2) receive input from the client computer comprising information that at least partially defines the pre-defined electronic transaction, and (3) store the received information in the database.

Abstract: Funds are transferred via electronic messaging systems and methods, including a mobile electronic device (MED). Exemplary applications include: delivering a targeted advertisement to a MED based on location or proximity, charging receipt charges for telephone calls, using a MED to pay for goods at a retail outlet, and security techniques for preventing unauthorized financial transactions from a MED.

Abstract: A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one financial account associated with each Summa account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages. With the user's permission, a record of purchases made from the Summa account may be maintained in a marketing database, increasing the value of use's market identity and the corresponding value of receipt charges they user may collect.

Abstract: A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one financial account associated with each Summa account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages. With the user's permission, a record of purchases made from the Summa account may be maintained in a marketing database, increasing the value of use's market identity and the corresponding value of receipt charges they user may collect.

Abstract: A method and system for creating a pre-defined electronic transactions is disclosed. the system comprises a server in communication with a database and a computer network, and the server is configured to: (1) receive a request to create a pre-defined electronic transaction from a client computer via the computer network, (2) receive input from the client computer comprising information that at least partially defines the pre-defined electronic transaction, and (3) store the received information in the database.

Abstract: An apparatus and method for creating and recording both an electronic and printed ballot for each voter during voting. The system can employ a variety of vote selection techniques, all of which can lead to the generation of an electronic tally of the vote in addition to the printing of a paper ballot. The printed ballot includes only the names of the candidates for whom the voter has voted in a form that is easily readable by both humans and machine. This unambiguous printed ballot makes it easy for voters to verify the accuracy of their intended vote and can subsequently be used to cast the voter's official vote or saved to provide an audit trail for subsequent confirmation of the electronic tally. These and other features accelerate the initial tabulation of results while providing multiple safeguards against fraud through the printing of a paper record for verifying voter intent.

Abstract: An apparatus and method for creating and recording both an electronic and printed ballot for each voter during voting. The system can employ a variety of vote selection techniques, all of which can lead to the generation of an electronic tally of the vote in addition to the printing of a paper ballot. The printed ballot includes only the names of the candidates for whom the voter has voted in a form that is easily readable by both humans and machine. This unambiguous printed ballot makes it easy for voters to verify the accuracy of their intended vote and can subsequently be used to cast the voter's official vote or saved to provide an audit trail for subsequent confirmation of the electronic tally. These and other features accelerate the initial tabulation of results while providing multiple safeguards against fraud through the printing of a paper record for verifying voter intent.

Abstract: Funds are transferred via electronic messaging systems and methods, including a mobile electronic device (MED). Exemplary applications include: delivering a targeted advertisement to a MED based on location or proximity, charging receipt charges for telephone calls, using a MED to pay for goods at a retail outlet, and security techniques for preventing unauthorized financial transactions from a MED.

Abstract: An apparatus and method for creating and recording both an electronic and printed ballot for each voter during voting. The system can employ a variety of vote selection techniques, all of which can lead to the generation of an electronic tally of the vote in addition to the printing of a paper ballot. The printed ballot includes only the names of the candidates for whom the voter has voted in a form that is easily readable by both humans and machine. This unambiguous printed ballot makes it easy for voters to verify the accuracy of their intended vote and can subsequently be used to cast the voter's official vote or saved to provide an audit trail for subsequent confirmation of the electronic tally. These and other features accelerate the initial tabulation of results while providing multiple safeguards against fraud through the printing of a paper record for verifying voter intent.

Abstract: An apparatus and method for creating and recording both an electronic and printed ballot for each voter during voting. The system can employ a variety of vote selection techniques which can lead to the generation of an electronic tally of the vote in addition to the printing of a paper ballot. The printed ballot includes only the names of the candidates for whom the voter has voted in a form that is easily readable by both humans and machine. This unambiguous printed ballot makes it easy for voters to verify the accuracy of their intended vote and can subsequently be used to casting the voters official vote or saved to provide an audit trail for subsequent confirmation of the electronic tally. These and other features accelerate the initial tabulation of results while providing multiple safeguards against fraud through the printing of a paper record for verifying voter intent.

Abstract: An apparatus and method of voting is disclosed for creating and recording both an electronic and printed ballot for each voter. The system can employ a variety of vote selection means which can lead to the generation of an electronic tally of the vote in addition to the printing of a paper ballot. The printed ballot includes only the names of the candidates for whom the voter has voted in a form that is easily readable by both humans and machine. This unambiguous printed ballot makes it easy for voters to verify the accuracy of their intended vote and can subsequently be used to casting the voter's official vote or saved to provide an audit trail for subsequent confirmation of the electronic tally. These and other features accelerate the initial tabulation of results while providing multiple safeguards against fraud and a reliable means of verifying voter intent.

Abstract: Apparatus and process are disclosed by which to disable a computer's access to all or a part of the computer's memory system or associated peripherals, so as to protect the computer from accidental or malicious damage of data files or programs that may result from the activity of computer users or computer viruses. This result is achieved by providing the authorized user with a token whereby the user can configure the security gateway to completely or partially disable the peripheral device without disrupting the operation of the computer or other peripherals. The principal hardware component of one embodiment of the invention is the security gateway which in a typical configuration simply adds new security functions to the programmable controllers that are typically used for an I/O controller or hard drive controller, although this is not always necessary.

Abstract: One or more user accessible switches are provided by which the authorized user may fully or partially limit the computer's access to one or more of its peripheral devices. The switch inhibits power or control lines to the peripheral device, or enables the programming of access limits to the peripheral device, in a manner which cannot be overridden by the computer. This added level of control allows the user to control the computer's activities so that access to these peripheral devices is allowed only under secure conditions, so as to preclude alteration or destruction of data by unauthorized users or computer viruses. Methods are disclosed by which the switches can render peripheral devices totally inactive, or made to be temporarily read-only, write-only, or write-once in order to implement a number or security protocols for single or multi-user environments.

Abstract: A quick and clean method of recording fingerprints without inks, chemicals, or powders is disclosed. The invention is especially suited for incorporation into mass produced legal and financial documents, wherein a portion of a document is fabricated to include a protected area for the recording and preservation of a latent fingerprint. The fingerprint receptive area of the document is protected by a cover which removably adheres to the document. If the identity by a cover which removably adheres to the documents.

Abstract: A fingerprint sensitive pad is disclosed for affixing a fingerprint to a document. The pad includes a base sheet adhesively attached to the document. The base sheet, which may be reflective, has an adhesive-like coating which receives the fingerprint image when a finger is pressed upon it. The pad has a hinged cover, which removably adheres to the adhesive-like coating to protect the fingerprint image.