Abstract: A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network.

Abstract: A system for authentication has an Internet-connected server providing services and software executing on the server from a non-transitory physical medium. The software provides a function for receiving a request for authentication from a person seeking service at the server, a function for requesting by the server one or more username/password pairs used for log-in for the person at one or more Internet sites remote from the server, a function for logging in by the server at the remote site or sites on behalf of the person, using the username/password pair or pairs provided by the person, and a function for authenticating the person at the server for interaction with the server.

Abstract: A transaction system has a first Internet-connected service provider enterprise and second enterprises maintaining each at least one financial account for a user. Third enterprises maintaining billing accounts associated with the users. There is an interactive interface that displays account balances and bills. The user, through the interactive interface, commands payment of a bill from an account by drag and drop.

Abstract: A method and apparatus is provided for populating and submitting electronic forms by proxy over a data-packet-network. The apparatus comprises software running on a system of network-connected servers that enables a user, connected to one of the servers, to navigate to a site containing an electronic form and obtain data about the site and the form. The data obtained is used in conjunction with data about the user to construct a machine readable job order upon user request that may be executed for the purpose of automatic form population and submission to a host sponsoring the site. Upon acceptance of the submitted form, data used for log-in is stored where it is entered along with site data as a new registered site item for a user such that future navigation to the site, auto log-in and data return is performed automatically on behalf of the user.

Abstract: A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface.

Abstract: A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a plurality of billing servers, logging in with credentials supplied by the user, and downloading information concerning one or more bills which the user is responsible to pay, functionality receiving a selection by the end user, indicating a bill the user wishes to pay, and functionality transmitting to the user a deep-link plug-in (DLP) for the billing server where the bill selected by the client is associated, the DLP redirecting the user to a page at the billing server where the user is enabled to pay the bill selected.

Abstract: A system for verifying communication established between a first and a second node over a data-packet-network includes a third network node accessible from the first node over the data-packet-network, the third node containing network location information of the second node and the network location information of at least one resource accessible there from; and a navigation agent directed by the third network node for navigating over the network to the second node and to the at least one resource to gather information. In a preferred embodiment, the information gathered includes indication of receipt of data sent from the first node at the second node and indication of confirmation or authorization to access services.

Abstract: A system for transacting in a network includes a service broker connected to the network, having access to necessary credentials, a service provider connected to the network, requiring credentials for transacting in regard to a client, and a client station connected to the network. A client using the client station sends a preliminary request for a transaction to the service broker, which initiates, at the appropriate time, the transaction for the client by a request to the service provider, accompanied by the appropriate credentials, and the service broker monitors the service provider after the write request for an acknowledgement of the request.

Abstract: A system for categorizing transactions includes a collection function gathering information concerning transactions, including at least date, description and amount of the transactions, for a particular person or enterprise, and a processing function categorizing individual ones of the collected transactions according to at least part of the transaction description.

Abstract: A personal information collection and delivery system has a collection component executed by a first enterprise, for collecting information for specific individuals from a plurality of information provider's sites, an aggregation component executed by the first enterprise, for aggregating and storing the collected information identified for individual ones of the specific individuals; and a plurality of delivery components executed by a like plurality of second enterprises, for delivering said aggregated information to the specific individuals. This system is characterized in that delivery is distinguished to individual ones of the second enterprises. In some cases the information providers are the second enterprises that manage delivery, in which case they may limit access according to a variety of variables.

Abstract: In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.

Abstract: A network-based URL management and data gathering system is provided. The system utilizes a client-side utility for capturing URLs during normal Web browsing, and a server-side utility for organizing and managing the captured URLs on the network. The server-side utility periodically sends a request to a proxy browsing and data gathering utility for navigating to and retrieving data from Web pages associated with the captured URLs. Data retrieved from the Web pages is returned in summary form for presentation to subscribing users. In preferred embodiments, the system is practiced on the Internet network between users operating an Internet-capable appliance having an Internet connection, and an Internet portal service.

Abstract: A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface.

Abstract: An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.

Abstract: A computerized appliance includes a non-transitory physical memory medium couple to the computerized appliance, and software executing on the computerized appliance from the non-transitory physical memory medium. The computerized appliance performs a method comprising steps of accessing an electronic information page on a network by proxy on behalf of a client, following a navigation template assembled from a plurality of functional logic blocks, determining failed execution of the navigation template, determining the logic block involved at the point of failure, determining information necessary to repair the logic block determined at the point of failure, creating a new modular logic block according to the information, and installing the newly-created modular logic block into the navigation template that failed, and automatically replacing the failed logic block in all stored navigation templates that depend on the failed logic block.

Abstract: A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link an interactive calendar link, a plurality of interactive drop-down menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface.

Abstract: A software application for enabling automated notification of applied structural changes to electronic information pages hosted on a data packet network is provided. The software application comprises, a developer-interface module for enabling developers to build and modify navigation templates using functional logic blocks, a navigation system-interface module for integrating the software application to a proxy-navigation system for periodic execution of the templates, a change-notification module for indicating a point in process where a navigation routine has failed and for creating a data file containing parameters associated with the failed navigation routine and a database interface module for interfacing the software application to a data repository for storing the data file. The software application periodically submits test navigation and interaction routines to the navigation system for execution by virtue of the interface with the navigation system.

Abstract: An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.

Abstract: A Web server hosted by a first enterprise has a first mechanism receiving a request for information or services to be provided to an end user, and a second mechanism determining whether the request comes directly from the end user, or from a server hosted by a second enterprise. If the request is determined by the second mechanism to come from the server hosted by the second enterprise, any information or service provided to the end user by the first enterprise is identified as coming from the second enterprise.

Abstract: A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a plurality of billing servers, logging in with credentials supplied by the user, and downloading information concerning one or more bills which the user is responsible to pay, functionality receiving a selection by the end user, indicating a bill the user wishes to pay, and functionality transmitting to the user a deep-link plug-in (DLP) for the billing server where the bill selected by the client is associated, the DLP redirecting the user to a page at the billing server where the user is enabled to pay the bill selected.