Abstract: To ensure the data corresponding to transactions has not been altered, a method and system are provided for generating secure endorsed transactions having transaction data representative of transactions and unique identifiers corresponding to parties endorsing the transactions. After receiving input, including transaction data and unique identifiers, unique codes are generated from the transaction data and unique identifiers. The unique codes constittue secure endorsements of the transaction data by the parties corresponding to the unique identifiers.

Abstract: An electronic book reader has a processor, a display surface, and access to a memory card upon which is stored a digitally-formatted creative work such as a book. In addition, the reader has access to a plurality of precompiled condensed content descriptions of respective books that are subject to copy restrictions. Before reading a given book, the reader creates a condensed content description of the book and compares it to the stored descriptions to determine whether the book is subject to copy restrictions. If it is, the reader checks for a valid license before allowing the user to read the book.

Abstract: A metering system is provided including a smartcard reader and peripheral computer in communication with a metering apparatus. A smartcard with memory, microprocessor, and license counter may then be engaged with a smartcard reader in the metering system to effect meter license transactions. The license transactions may be purchased by a user either to enable enhanced functional meter features via a meter upgrade process or to disable functional meter features via a meter downgrade process. Such features are typically enabled or disabled by respectively either providing or restricting access to selected portions of the meter firmware. Since both upgrades and downgrades can be effected at a utility meter, the smartcards provide transferable meter licenses. Advantages of the disclosed smartcard technology facilitate secure and reliable license transactions.

Abstract: Methods and systems for providing customized information to customers are disclosed. The systems and methods provide a holistic approach to providing sales support to a customer intending to purchase items for re-sale. Methods are disclosed by which information available to a seller regarding goods for sale may be selected and even tailored with respect to particular customer users of the method. Similarly, systems which accomplish similar results are also disclosed.

Abstract: A billing method for requesting contents or data in a network in which the client or the person representing the client has a certificate for the billing method. Said certificate contains data that prove the client's identity and that facilitate establishment of a bill or statement. The Secure Socket Layer (SSL) protocol or a variant of the SSL protocol which allows display of a dialog box may be used for the client-server connection, using an SSL client certificate that contains an extension indicating that the certificate is suitable for the purpose of billing, the server transmitting the price for the required content or the data during the handshake protocol. A confirmation message that is also contained in the SSL protocol and that contains a digital signature is sent from the client to the server, said confirmation message confirming the previously transmitted price.

Abstract: An electronic book reader has a processor, a display surface, and access to a memory card upon which is stored a digitally-formatted creative work such as a book. In addition, the reader has access to a plurality of precompiled condensed content descriptions of respective books that are subject to copy restrictions. Before reading a given book, the reader creates a condensed content description of the book and compares it to the stored descriptions to determine whether the book is subject to copy restrictions. If it is, the reader checks for a valid license before allowing the user to read the book.

Abstract: A method, system and computer program product for valuating natural gas futures and options contracts using weather-based metrics. The method and computer program product allow gas buyers and traders to make informed decision on purchasing/selling natural gas futures and futures options on a regulated exchange such as the New York Mercantile Exchange (NYMEX) based on historical and forecasted weather. The system includes weather forecast, weather history, and natural gas-related databases, as well as a trading server and several workstation clients, and provides assistance to traders in reaching complex buying/hedging decisions.

Abstract: A license compliance verification system and method includes a license manager that internally monitors the use of licensed property and gathers data over specified time periods about the usage of the licensed property relative to a plurality of parameters including a parameter that defines the licensors of the licensed property. License compliance verification software interfaces with the license manager and extracts from its data logs licensor specific data that is subsequently forwarded to licensors. The collected data is authenticated to assure licensors that it has not been tampered with.

Abstract: A method of public access computing comprises providing a computer system for accessing computer software applications, and selectively permitting access to the computer system with an electronic payment mechanism. A selective access computer system comprises a computing workstation having at least one software application and a selective access mechanism connected to the workstation. The selective access mechanism is configured for obtaining electronic payment authorization for a user's financial instrument and for permitting selective access to the computer workstation upon payment authorization for the user.

Abstract: A computer implemented method and apparatus for ensuring secured dialog between a card holder and a card provider via a network is provided. The system facilitates real-time communicate between a card provider virtual agent and a card holder using a card holder interface operating via a network. In a typical arrangement, the card holder requests completion of a transaction from a merchant system via a network. The upon receiving notification that the transaction request has been denied by the card provider system, the card holder is provided real-time access to the card provider virtual agent. The virtual agent may then send a transaction approval code to the card provider system overriding any transaction denial and permitting the card holder to resubmit the transaction request to the merchant system for subsequent approval.

Abstract: Method for transferring an electronic sum of money from a credit memory associated with a money sender to an account or to a credit memory associated with a money receiver via a telecommunications and data network in real time, the necessary connections being set up via a transaction server.

Abstract: A method of reissuing digital tokens in an open system meter includes the steps of calculating a digital token using the predetermined postal information including addressee information, postage amount and piece count; debiting postal funds by the postage amount; issuing the digital token for generation of an indicia; storing the digital token and the predetermined postal information as part of a transaction record in a transaction record file indexed according to addressee information; determining that an indicia generated from the digital token has not been successfully printed on a mailpiece for a particular addressee; and reissuing the digital token from the transaction record in the transaction file to generate the indicia for another attempt to print the indicia on the mailpiece.

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 generally to a system and method for verifying, settling, guaranteeing and printing checks at a remote location, preferably an electronic retailer's facilities, via a network, preferably the Internet. The preferred method for verifying, settling, guaranteeing and printing checks over a network at a remote location comprises the following steps. A client computer is connected to a merchant server at a location remote from the client computer. An order is transmitted from the client computer to the merchant server. Payment by check is selected. The client computer is connected to a check server. Customer data is input to the client computer. The customer data is transmitted from the client computer to the check server. The customer data is transmitted from the check server to a check verification server. The check verification server transmits an approval, preferably comprising the customer data and a guarantee of payment to a merchant, to the client computer and the check server.

Abstract: The invention concerns an electronic franking machine comprising franking means and means for recording the number of franking operations. It comprises means for connection via a computerized communication network, to a central server of a computerized central control center, and means forming a computerized server adapted to transmit and receive computerized requests and responses for performing transactions with the central server, said transactions being selected among at least a resetting of the means recording the franking operations, a transfer of files constituting the records of the recording means and a franking cycle.

Abstract: A two-part payment token is used during a transaction whereby a buyer obtains goods/services from a seller. The token, which does not identify the buyer, is given to a trusted third party (TTP) by the buyer. The TTP releases a first part of the token to the seller who then releases the goods/services to the buyer. Upon confirming receipt of the goods/services by the buyer, the TTP releases the second part of the payment token to the seller, who may then present both parts of the token to the buyer's bank to obtain payment.

Abstract: A financial system in which an intermediary facilitates transactions between one or more credit card issuers and a plurality of different vendors which may be related by a common characteristic. The financial system of the present invention preferably includes a consumer credit card and a membership card, both including some type of rewards program. A customer applies for the credit card and membership card at a point-of-sale associated with a vendor that sponsors the credit card. The vendor uses a computer with a hardware or software identification system to securely transmit the application to the intermediary via a broad bandwidth communication medium, such as the Internet. The credit card issuer may use an instant on-line approval mechanism to instantly send a credit card number and initial spending limit to the customer via the vendor's computer.

Abstract: Systems, client computing devices, server computing devices, and methods are disclosed for accessing medical devices, providing remote access to medical devices and/or remotely accessing medical devices. In one exemplary embodiment, client computing devices utilize protocol components that may be obtained from a server computing device via a network to communicate with medical devices in a communications protocol supported by the medical device.

Abstract: A method apparatus and article of manufacturing for using a computer to electronically clear and cash a check submitted to an on-line merchant from an on-line consumer by electronic means is provided. First, an input of check information submitted by a consumer by electronic means is accepted. Next the accuracy of the check information is verified and then is presented for clearing through the Federal Reserve's Automated Clearing House. Finally, the consumer's checking account from which the check was drawn is debited by the amount indicated in the check information and the merchant's account is credited by the amount indicated in the check information.

Abstract: A system and method is provided for evaluating the effectiveness of data encryption for hiding the identity of the source of Web traffic. A signature is constructed from encrypted Web traffic for a Web page sent by a target Web site, and the signature is compared with archived traffic signatures obtained by accessing various Web pages of interest in advance. If the signature of the detected encrypted Web traffic matches a stored traffic signature beyond a pre-set statistical threshold, a positive match is found, and the source of the traffic is identified. Countermeasures for reducing the reliability of source identification based on traffic signature matching are provided.