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 system for updating parameters of financial transactions associated with financial services initiated and completed on behalf of or directly by a user through access to a data-packet-network into more than one electronic interface accessible to the user is provided. The system comprises, a main electronic interface supported by back-end software, the main interface for registering all user accounts into at least one portfolio group, the accounts accessible in detail through the main interface, at least one cobranded electronic interface supported by back-end software, the cobranded interface mirroring the accounts registered in the main electronic interface and a plurality of institution-specific electronic interfaces for providing direct account registration, reporting, and maintenance specific to accounts provided by the associated institutions.

Abstract: A system for establishing a direct network connection between a first and a second node over a data-packet-network includes a third network node having connection to the data-packet-network for providing an electronic interface accessible to the first node; a navigation agent directed by the third network node for navigating over the network to the second node to gather information; and at least one machine-readable instruction containing the instruction for directing and implementing the direct network connection. The electronic interface may be a Web page providing bill consolidation and payment services to a client operating the first node and wherein the connection established via the instruction enables transparent login payment of a bill at the second node, which may be a direct billing party interface of the client registered and listed on the Web page.

Abstract: A system for retrieving and disseminating information records from Internet sources includes a client device and an intermediary server system, including software, between the client device and the Internet. The system collects a record specific to a client from an individual one of said Internet sources in a first form in which the record is recorded at the Internet source, transforms the record from the first form to a second form specific to an application other than an Internet browser application, the application executable by the client device, and transmits the transformed record to the client device for display in the application other than an Internet browser application executable by the client device. In some cases the client device connects by a data link that is not Internet-compatible link. Data mining on the Internet specific to clients and client devices is taught, with aggregation services and synchronization for keeping a client up-to-date efficiently for changing data content.

Abstract: In a network-based bill pay service including a navigating software for emulating a client in network navigation, a software application for collecting and normalizing client data, and a network interface for presenting the information to the client, a method for increasing the level of client participation in the service includes steps (a) navigating to a client site; (b) accessing and mining client data for payee account data; (c) analyzing the mined payee account data for fullness of information and if required searching and adding new relevant information to the payee account data; (d) formatting the payee account data into an interactive bill pay account module; and (e) presenting the bill-pay service option and the bill pay account module relative to the payee account data to the client as an opportunity.

Abstract: A system for retrieving and disseminating information records from Internet sources includes a client device and an intermediary server , including software, between the client device and the Internet. The collects a record specific to a client from an individual one of said Internet sources in a first form in which the record is recorded at the Internet source, transforms the record from the first form to a second form specific to an application other than an Internet browser application, the application executable by the client device, and transmits the transformed record to the client device for display in the application other than an Internet browser application executable by the client device. In some cases the client device connects by a data link that is not Internet-compatible link. Data mining on the Internet specific to clients and client devices is taught, with aggregation services and synchronization for keeping a client up-to-date efficiently for changing data content.

Abstract: A system for retrieving and disseminating information records from Internet sources includes a client device and an intermediary server system, including software, between the client device and the Internet. The system collects a record specific to a client from an individual one of said Internet sources in a first form in which the record is recorded at the Internet source, transforms the record from the first form to a second form specific to an application other than an Internet browser application, the application executable by the client device, and transmits the transformed record to the client device for display in the application other than an Internet browser application executable by the client device. In some cases the client device connects by a data link that is not Internet-compatible link. Data mining on the Internet specific to clients and client devices is taught, with aggregation services and synchronization for keeping a client up-to-date efficiently for changing data content.

Abstract: A system for retrieving and disseminating information records from Internet sources includes a client device and an intermediary server system, including software, between the client device and the Internet. The system collects a record specific to a client from an individual one of said Internet sources in a first form in which the record is recorded at the Internet source, transforms the record from the first form to a second form specific to an application other than an Internet browser application, the application executable by the client device, and transmits the transformed record to the client device for display in the application other than an Internet browser application executable by the client device. In some cases the client device connects by a data link that is not Internet-compatible link. Data mining on the Internet specific to clients and client devices is taught, with aggregation services and synchronization for keeping a client up-to-date efficiently for changing data content.

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: An Internet search system is structured for efficient data retrieval from semi-structured data sources. The configurable Internet WEB search system has a browser module for navigating to and displaying a WEB page, a block selection and configuration function having input tools for a user to select at least one block portion of a displayed WEB page for data retrieval, a data-type input function for a user to denote data type to be extracted from a selected block portion, and a search implementation function for implementing a search under the search system. The data type entered by the data input function is associated with a WEB page block selected, and upon search implementation the block selected is searched for the data type requested, and data found is retrieved to be provided to the user. In a preferred embodiment portions of the system are executed on a user station, and other portions on a Portal server to which the user may subscribe.