Abstract: A message server comprises web server systems for sending a first portable document file to a client system. The first portable document file comprises displayed data content selectable by the user and associated hidden data content. The hidden data content may be in a tagged data content format. The message server receives a message from the client system. The message comprises both: i) identification of the first portable document file; and ii) identification of the displayed data content selected by the user. The message sever uses the identification of the first portable document file and the identification of the displayed data content selected by the user to locate and provide a second portable document file that is related to the content selected by the user.

Abstract: A message server comprises web server systems for sending a first portable document file to a client system. The first portable document file comprises displayed data content selectable by the user and associated hidden data content. The hidden data content may be in a tagged data content format. The message server receives a message from the client system. The message comprises both: i) identification of the first portable document file; and ii) identification of the displayed data content selected by the user. The message sever uses the identification of the first portable document file and the identification of the displayed data content selected by the user to link the client system to a data processing system at a specified network address, the data processing system being related to the content selected by the user.

Abstract: A system is provided for approving an electronic fund transfer disbursement file and instructing a remote payment management system to generate and electronic fund transfer system to a payment processing server. The system comprises a network services module, a digital signature system and an electronic fund transfer submission module. The network services module establishes a secure connection to the remote payment management system. The digital signature system: i) returns a digital signature of a data file in response to a signature only processing call; and ii) returns a digital signature data structure in response to receiving a sign and package processing call. The electronic fund transfer submission module obtains an authorization request from the remote payment management system. The authorization request comprises a digest of the electronic fund transfer disbursement file. A dummy data file is passed to the digital signature system and a dummy data structure is returned.

Abstract: A payment management system for obtaining an approval of an electronic fund transfer (EFT) disbursement file from a user of a remote system and transferring the EFT disbursement file to a payments processor. The payment management system comprises an electronic fund transfer submission module for generating a digest, by performing a hash of the EFT disbursement file, and transferring the digest to the remote system along with authorization control code. The authorization control code drives the remote system to obtain a digital signature of authenticated attributes, which includes the digest, and generate an authorization response. The electronic fund transfer submission module further provides for receiving the authorization response from the remote system and transferring an electronic funds submission to the payments processor. The electronic funds submission comprises the payment transaction file and at least a portion of the authorization response comprising the digital signature.

Abstract: A method for obtaining an approval of an electronic fund transfer (EFT) disbursement file from a user of a remote system and transferring the EFT disbursement file to a payments processor. The method comprises generating a digest, by performing a hash of the EFT disbursement file, and transferring the digest to the remote system along with authorization control code. The authorization control code drives the remote system to obtain a digital signature of authenticated attributes, which includes the digest, and generate an authorization response. The method further comprises receiving the authorization response from the remote system and transferring an electronic funds submission to the payments processor. The electronic funds submission comprises the payment transaction file and at least a portion of the authorization response comprising the digital signature.

Abstract: A financial transaction system manages the exchange of financial transaction data between a client system coupled to the financial transaction system by an open network and a financial institution transaction processing system. The financial transaction system comprises a web server coupled to the open network for receiving a financial transaction from the client system. The financial transaction is in user group transaction format and comprises a plurality of data elements, at least a portion of the data elements comprise sub elements. A hub loading receives the financial transaction in the user group transaction format and parses the financial transaction to a core data element format compliant with a transaction type profile corresponding to the financial transaction. An application loading module receives the financial transaction in the core data element format and generates a financial transaction in an application format.

Abstract: A system provides for the secure exchanging files with a remote transfer server over an open network such as the Internet. The system comprises a database storing file transfer parameters in association with identification of a remote file transfer client. The file transfer parameters include object destination parameters defining a processing call to a transfer server message queuing manager operating in conjunction with the transfer server. The processing call provides for delivery of the binary object to the transfer server message queuing manager in conjunction with a destination queue definition which provides for queuing the binary object within the defined queue for retrieval by a destination application. A transfer application coupled to the database comprises a plurality of file transfer methods available to remote file transfer clients making method calls thereto.

Abstract: A web server system provides for the secure exchanging files with a remote transfer server over an open network such as the Internet. The transfer server operates a plurality of transfer methods.

Abstract: A system provides for the secure exchanging files with a remote transfer server over an open network such as the Internet. The system comprises a database with file transfer tables, a hypertext transport protocol (HTTP) server, and a web services server. The HTTP server is coupled to the database and provides web pages to an HTTP client to obtain file transfer event parameters and identification of a remote file transfer client to which the file transfer event parameters are associated. The file transfer event parameters are stored in the file transfer tables in association with the identification of the remote file transfer client. The web services server comprising a plurality of transfer methods.

Abstract: An automated invoice management system includes a network circuit for communicating invoice transactions with a plurality of client systems. The automated invoice management system receives an import invoice transaction compliant with a first client transaction definition from a first client system. The import invoice transaction identifies a second client system and amounts due from a second client system associated with the second client. The import invoice transaction is translated to a normalized invoice transaction and the normalized transaction is translated to an export invoice transaction compliant with a second client transaction definition.

Abstract: A transfer client system exchanges files with a transfer server over an open network such as the Internet. The transfer client comprises a download directory for storing binary objects obtained from a transfer client server for subsequent retrieval by a local data processing system. The transfer client sends a log-on message to a remote transfer server over the open network, the log-on message including the authentication credentials. In response a session ID is obtained from the remote transfer server. The transfer client further sends a read event message to the remote transfer server over the open network, the read event message including the session ID. Event parameters are returned in response, the event parameters comprise identification of a file name and identification of the download directory. The transfer client sends a download message to the remote transfer server over the open network, the download message comprises the session ID and identification of a binary object.

Abstract: A web server system provides for the secure exchanging files with a remote transfer server over an open network such as the Internet. The transfer server operates a plurality of transfer methods.

Abstract: A transfer client system exchanges files with a transfer server over an open network such as the Internet. The transfer client comprises an upload directory for storing files for subsequent transfer to the transfer server, an authentication registry securely storing authentication credentials, and a transfer client. The transfer client sends a log-on message to a remote transfer server over a secure transport protocol logical connection established over the open network. The log-on message includes the authentication credentials. In response the transfer client receives a session ID from the remote transfer server. The transfer client then sends a read event message to the remote transfer server which includes Session ID obtained from the remote transfer server. In response the transfer client obtains event parameters which include identification of a file name and an upload directory path previously stored in an events parameter table.

Abstract: A financial transaction system consistent with the invention allows clients of a financial institution to use a web-based workstation to interface with a plurality of back office systems within one or more financial institutions. In an exemplary embodiment, a financial transaction system comprises a hub server, a plurality of financial institutions, at least one web server, and at least one database server. The hub server receives data in the form of a plurality of disparately formatted instructions and communicates the instructions to the financial institutions, which are connected to the hub server for receiving the data and have a plurality of differing reception formats to receive the reformatted data. Data is transmitted between the web server and at least one user via a network interface, and between the web server and the hub server. The web server stores data and at least one application in an application database.

Abstract: A method for processing a disbursement transaction received from an accounting system includes verification that the payee of the disbursement transaction is not a Specially Designated National or Blocked Person, as designated by the Treasury Department's Office of Foreign Asset Control. The method includes receiving a plurality of character strings, each representing a Specially Designated National or Blocked Person. A plurality of alternative character strings are developed, each being a variation of the character string representing a Specially Designated National or Blocked Person. A comparison file includes a plurality of comparison character strings which comprise each of the plurality of Specially Designated National character strings and each of the plurality of alternative character strings.

Abstract: The present invention relates to producing and presenting negotiable instruments and, more specifically, to printing and presenting checks, which are resistant to forgery or fraud. The negotiable instrument comprises a numeric sequence printed in MICR font upside down across the top face of the negotiable instrument for electronic reading by a MICR reader. The numeric sequence provides for authentication of the payee name and the payment amount by a secure authentication server.

Abstract: The present invention relates to producing and presenting negotiable instruments and, more specifically, to printing and presenting checks, which are resistant to forgery or fraud. The negotiable instrument comprises a numeric sequence printed in MICR font upside down across the top face of the negotiable instrument for electronic reading by a MICR reader. The numeric sequence provides for authentication of the payee name and the payment amount by a secure authentication server.

Abstract: The present invention relates to producing and presenting negotiable instruments and, more specifically, to printing and presenting checks, which are resistant to forgery or fraud. The negotiable instrument comprises an encrypted numeric sequence and a one-way decryption key printed in MICR font upside down across the top face of the negotiable instrument for electronic reading by a MICR reader. The encrypted numeric sequence represents name of the payee of the negotiable instrument and the payment amount.

Abstract: The present invention relates to producing and presenting negotiable instruments and, more specifically, to printing and presenting checks, which are resistant to forgery or fraud. The negotiable instrument comprises a numeric sequence printed in MICR font upside down across the top face of the negotiable instrument for electronic reading by a MICR reader. The numeric sequence provides for authentication of the payee name and the payment amount by a secure authentication server.

Abstract: In one embodiment, an electronic bill presentment and payment system consistent with the invention comprises at least one biller system and at least one payor system in communication with a payment processing system. The payment processing system comprises a database including global information relating to the biller system and the payor system, and an application server for storing at least one modular business object containing specified instructions to govern financial transactions between the biller system and the payor system based on the global information. The application server permits replacement of a business object with another modular business object containing other specified instructions using the same global information.