Abstract: A system and method for authenticating a user in a secure computer system. A client computer transmits a request for a sign-on page, the secure computer system responds by transmitting a prompt for a first user identifier, and the client computer transmits a request including a first identifier, a second identifier stored in an object stored at the client computer and a plurality of request header attributes. A server module authenticates the first and second user identifiers, and compares the transmitted plurality of request header attributes with request header attributes stored at the computer system and associated with the first and second user identifiers. If the first and second user identifiers are authenticated, and if a predetermined number of transmitted request header attributes match stored request header attributes, the server software module transmits a success message, and the user is allowed to access the secure computer system.

Abstract: A method and system for processing financial instruments to detect the presence of duplicate instruments. The method may include the steps of receiving items of information for a plurality of financial instruments, grouping the items into cycles and appending cycle and time dependent information to the items to form coded items, storing the coded items in a database, comparing the items to find items having duplicate identifying information, marking duplicate items for subsequent deletion and printing a report listing the duplicate items. The system may include a mainframe, data repository, item processing applications, and a module that filters items from incoming strings to remove false positives. The remaining duplicate items may be viewed on a graphical user interface that allows a user to review attributes of each item and manually mark duplicates for subsequent deletion.

Abstract: A method and system for processing financial instruments to detect the presence of duplicate instruments. The method may include the steps of receiving items of information for a plurality of financial instruments, grouping the items into cycles and appending cycle and time dependent information to the items to form coded items, storing the coded items in a database, comparing the items to find items having duplicate identifying information, marking duplicate items for subsequent deletion and printing a report listing the duplicate items. The system may include a mainframe, data repository, item processing applications, and a module that filters items from incoming strings to remove false positives. The remaining duplicate items may be viewed on a graphical user interface that allows a user to review attributes of each item and manually mark duplicates for subsequent deletion.

Abstract: A system and method for authenticating a user in a secure computer system. A client computer transmits a request for a sign-on page, the secure computer system responds by transmitting a prompt for a first user identifier, and the client computer transmits a request including a first identifier, a second identifier stored in an object stored at the client computer and a plurality of request header attributes. A server module authenticates the first and second user identifiers, and compares the transmitted plurality of request header attributes with request header attributes stored at the computer system and associated with the first and second user identifiers. If the first and second user identifiers are authenticated, and if a predetermined number of transmitted request header attributes match stored request header attributes, the server software module transmits a success message, and the user is allowed to access the secure computer system.

Abstract: A method and system for electronically clearing financial instruments through a clearing system in which a per item cost of clearing instruments varies with the time of day. Files of items containing data scanned from financial instruments including an amount of each instrument may be received by a control system that may apply a rule to sort the items by determining whether the item be stored or forwarded for clearing. The rule may include a step of determining whether an amount of the instrument exceeds a predetermined value or meets a certain criteria, and if so, forwarding the instrument for clearing without storage. If the amount of the instrument does not exceed the first predetermined value or meet the criteria, the system may store the item for forwarding at a later time when the per item fee for clearing is lower.

Abstract: A method and system for processing financial instruments in order to detect the presence of duplicate instruments. The method may include the steps of receiving discrete items of identifying information, each for a plurality of financial instruments, grouping the items into cycles and appending discrete cycle and time dependent information to each of the items to form coded items, storing each of the coded items in a database, comparing the stored, coded items to each other to find items having duplicate identifying information, marking items having duplicate identifying information for subsequent deletion and printing a report listing all items having duplicate identifying information. The system may include a mainframe, data repository and item processing applications, all interconnected by a network. The system may receive discrete items of identifying information over a network, such as the Internet or private network, such as SVPCO.

Abstract: A system and method of authenticating a user in a secure computer system in which a client computer transmits to the secure computer system a request for a sign-on page, the computer system transmits to the client computer a prompt for a first user identifier, and in response to the prompt, the client computer transmits to the computer system a request including a first identifier, a second identifier stored in an object stored at the client computer and a plurality of request header attributes. The computer system includes a server software module that authenticates the first user identifier and the second user identifier, and compares the transmitted plurality of request header attributes with a plurality of request header attributes stored at the computer system and associated with the first and second user identifiers.

Abstract: A method and system for electronically clearing financial instruments through a clearing system in which a per item cost of clearing instruments varies with the time of day. Files of items containing data scanned from financial instruments including an amount of each instrument may be received by a control system that may apply a rule to sort the items by determining whether the item be stored or forwarded for clearing. The rule may include a step of determining whether an amount of the instrument exceeds a predetermined value or meets a certain criteria, and if so, forwarding the instrument for clearing without storage. If the amount of the instrument does not exceed the first predetermined value or meet the criteria, the system may store the item for forwarding at a later time when the per item fee for clearing is lower.

Abstract: A method and system for electronically clearing financial instruments may include receiving electronic files of items containing data scanned from financial instruments including an amount of each instrument, and applying a rule to sort the items by determining whether the item may be stored or forwarded for clearing without storage. The rule may include determining whether an amount of the instrument exceeds a predetermined value, and if so, forwarding the instrument for clearing, or if not, storing the item for forwarding at a later time when the per item fee for clearing is lower. The system may include a control for receiving electronic files from a scanning device and applying a rule to sort the files by determining whether each file should be stored or forwarded and an image export server for converting the files to a preferred format and transmitting them for clearing.

Abstract: A method for renegotiating a financial instrument includes the steps of initiating a logical session between a client program and a client interface affiliated with a financial institution, displaying financial information relating to a client on the client interface, displaying a message on the client program that a financial instrument of the client may be renegotiated, transmitting a request to renegotiate the financial instrument to the client interface, displaying a disclosure document pertaining to the request to renegotiate, and if the client agrees to accept terms of the disclosure document, displaying a plurality of renegotiation options to the client on the client program, and transmitting a selection of one of the renegotiation options to the client interface.

Abstract: A personal computer banking system and method in which a personal computer is connected by a network service provider directly to a host computer system of a bank such that customer service requests can be processed automatically without need for intervention by customer service representatives. The system is capable of distinguishing between those customer service requests which are capable of automated fulfillment and those requests which require handling by a customer service representative. The system is integrated with the host computer system of the bank so that the remote banking customer can access other automated services of the bank.

Abstract: A multi-desktop computer system for a bank or other financial institution includes a plurality of functional desktop routines, each desktop operating on an identical "platform" of object-oriented routines. This "platform" of common object-oriented routines for use by each of the desktops, substantially reduces the design requirements of the desktops in that they only have to be designed to conform to the command structures of the object-oriented routines, and they do not have to be designed to any specific mainframe message structure or protocol. All of the functional desktops may be compiled together, along with the "platform" of object-oriented routines, to form one integral program, where a particular desktop will be activated, depending upon its need. The system enables a user to move between desktops, depending upon the need to activate a particular desktop. The system includes a system database that allows the desktops to share information with one another, such as customer information.