Abstract: The revenue stream of a master agent and a Sub Agent marketing wireless products and services is enhanced by providing wireless services not provided by upstream Carriers of wireless services. The master Agent or Sub Agent can independently contract to market the wireless services of other third parties, where such wireless services are not provided by the upstream Carrier. These ancillary wireless services are then marketed to the customer base of the Sub Agent, together with the wireless products or services of the upstream Carrier.

Abstract: A system employing enrollment information and the quality of the enrollment information. The enrollment information includes data unique to the identification of a person. The system also stores biometric sensor quality information. When a person seeks to authenticate his/her identity, the sensor transmits the sensor quality data along with the biometric attribute data to the system. The transmitted data is correlated with the enrollment data, and quality of the enrollment data, to produce a score indicative of the probability of a correct identification.

Abstract: A system for remote data acquisition and centralized processing and storage is disclosed called the DataTreasury™ System. The DataTreasury™ System provides comprehensive support for the processing of documents and electronic data associated with different applications including sale, business, banking and general consumer transactions. The system retrieves transaction data such as credit card receipts checks in either electronic or paper form at one or more remote locations, encrypts the data, transmits the encrypted data to a central location, transforms the data to a usable form, performs identification verification using signature data and biometric data, generates informative reports from the data and transmits the informative reports to the remote location(s). The DataTreasury™ System has many advantageous features which work together to provide high performance, security, reliability, fault tolerance and low cost.

Abstract: In a communications network for accessing an account, conducting a transaction, obtaining services or obtaining information from a remote location, a programmable user interface is adapted to provide a multiplicity of separate choices perceptible to a user on a user operable terminal. The terminal is capable of registering for transmission to a service platform, a user's input to the terminal corresponding to at least one choice from the multiplicity, including banking, bill paying, shopping, travel, flowers and gifts and information. The user interface includes means for communicating the user selected choice to a service platform, means for communicating by voice, TDD or data transmission through the service platform, and means in the terminal for permitting the user to communicate directly by at least one of an interactive voice, TDD or data transmission communication with respect to a provider in the user's selection from the multiplicity.

Abstract: A system for expediting the deposit, settlement and submission into the payment system for collection of funds represented of commingled paper and electronic financial instruments that are received by a payee at a location remote from the payee's collecting and clearing bank in which the instruments are separated at a payer's location where and the separated instruments accompanied by cash letters are delivered into the payment system and the payments' deposit with the collecting and clearing bank is coordinated with the timing of a settlement of accounts in the payment system.

Abstract: A system for expediting the deposit, settlement and submission into the payment system for collection of funds represented of commingled paper and electronic financial instruments that are received by a payee at a location remote from the payee's collecting and clearing bank in which the instruments are sorted at a payer's location where and the sorted instruments accompanied by cash letters are delivered into the payment system and the payments' deposit with the collecting and clearing bank is coordinated with the timing of a settlement of accounts in the payment system.