Abstract: At least one computer-readable medium on which are stored instructions that, when executed by one or more processing devices, enable the one or more processing devices to perform a method. The method includes the steps of receiving over a network a request from an employing entity to facilitate an automatic savings program including savings accounts for employees of the employing entity, receiving over the network a request from an employee to participate in the automatic savings program, automatically routing at predetermined time intervals an employee-selected amount of the employee's wages to a savings account of the employee, receiving at least one request over the network from the employee to transfer funds from the savings account of the employee to an employee-designated destination, and initiating the requested fund transfer.

Abstract: At least one computer-readable medium on which are stored instructions that, when executed by one or more processing devices, enable the one or more processing devices to perform a method. The method includes the steps of receiving over a network a request from an employing entity to facilitate an automatic savings program including savings accounts for employees of the employing entity, receiving over the network a request from an employee to participate in the automatic savings program, automatically routing at predetermined time intervals an employee-selected amount of the employee's wages to a savings account of the employee, receiving at least one request over the network from the employee to transfer funds from the savings account of the employee to an employee-designated destination, and initiating the requested fund transfer.

Abstract: At least one computer-readable medium on which are stored instructions that, when executed by one or more processing devices, enable the one or more processing devices to perform a method. The method includes the steps of receiving over a network a request from an employing entity to facilitate an automatic savings program including savings accounts for employees of the employing entity, receiving over the network a request from an employee to participate in the automatic savings program, automatically routing at predetermined time intervals an employee-selected amount of the employee's wages to a savings account of the employee, receiving at least one request over the network from the employee to transfer funds from the savings account of the employee to an employee-designated destination, and initiating the requested fund transfer.

Abstract: Described herein are techniques for storing and communicating content, such as medical information, for an individual person (e.g., a recipient of medical service, a healthcare patient, etc.). The medical information may be stored in, and communicated to and from, a collaborative medical record. A “collaborative” medical record is a medical record capable of receiving the user-specific medical information from multiple different sources (e.g., medical service providers, patients, etc.). To create and maintain collaborative medical records, and to communicate user-specific medical information, the techniques described herein generate and use generic medical information schemas. A generic medical information schema is defined so that related medical information can be organized so that it can efficiently and reliably be stored and/or retrieved via a user instance of the generic medical information schema in a collaborative medical record.

Abstract: Described herein are techniques for receiving a first communication sent to a virtual account address and sending a second communication to a recipient communication address. The virtual account address may include the recipient communication address in a user name part of the virtual account address, and the second communication may invite its recipient to request creation of a secure electronic message account. The recipient may then receive content associated with the first communication via the secure electronic message account.

Abstract: A method facilitating secure financial transactions using email is presented comprising the steps of receiving bill data at a server implementing the method, and generating an email message to a recipient with information including at least a portion of the received bill data. The amount of bill data included in the email message is based, at least in part, on the email address of the recipient.

Abstract: Techniques for checking content for style. Content that identifies a rule set is identified. The rule set includes rules of differing scope. The scope for some rules may be paragraph scope while the scope for other rules may be document scope. Conditions of rules of the rule set having differing scopes are checked. When conditions for one or more of the rules are met, actions specified for corresponding rules are performed. Users may be provided tools for creating or customizing rules.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: Methods, apparatuses, and articles for synchronizing contents of associated computing devices are described herein. In various embodiments, the method includes receiving, by a first computing device, from a shared server, a notification that content on a second computing device has been created or updated. The first computing device may also request at least a first portion of the created/updated content from the second computing device to contribute to synchronizing the first and second computing devices with respect to the content. Further, the first computing device may receive at least a second portion of the created/updated content from the second computing device to effectuate said contribution to synchronizing the first and second computing devices with respect to the content.

Abstract: A parcel management system is provided to reliably transfer parcels from one computer to another and track the parcels as they are transferred. The parcel management system is implemented in a distributed electronic billing system in which billers submit billing data to a service center and the service center generates billing statements from the billing data and electronically distributes the billing statements to consumers on behalf of the biller. The electronic billing system includes a biller integration system resident at each of the billers. The biller integration system is a set of software tools that integrate with the biller's existing billing and accounting systems. The biller integration system sends the billing data and a statement template to the billing service center, where they are stored. The service center generates customized billing statements by inserting the data into the template and distributing the billing statements electronically to consumers.

Abstract: A parcel management system is provided to reliably transfer parcels from one computer to another and track the parcels as they are transferred. The parcel management system is implemented in a distributed electronic billing system in which billers submit billing data to a service center and the service center generates billing statements from the billing data and electronically distributes the billing statements to consumers on behalf of the biller. The electronic billing system includes a biller integration system resident at each of the billers. The biller integration system is a set of software tools that integrate with the biller's existing billing and accounting systems. The biller integration system sends the billing data and a statement template to the billing service center, where they are stored. The service center generates customized billing statements by inserting the data into the template and distributing the billing statements electronically to consumers.

Abstract: A parcel management system is provided to reliably transfer parcels from one computer to another and track the parcels as they are transferred. The parcel management system is implemented in a distributed electronic billing system in which billers submit billing data to a service center and the service center generates billing statements from the billing data and electronically distributes the billing statements to consumers on behalf of the biller. The electronic billing system includes a biller integration system resident at each of the billers. The biller integration system is a set of software tools that integrate with the biller's existing billing and accounting systems. The biller integration system sends the billing data and a statement template to the billing service center, where they are stored. The service center generates customized billing statements by inserting the data into the template and distributing the billing statements electronically to consumers.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.

Abstract: An electronic financial system for providing financial services over the Internet has multiple billers, a service center, multiple financial institutions. The service center is responsible for distributing electronic bills on behalf of billers. The service center has a Web site that customers can directly access to examine their bills. The financial institutions also offer their own Web sites for their customers. Each financial institution's Web site presents a home page that allows its customers to select different services, such as examining a checking or savings account balance, or conducting a funds transfer. These services are supported locally at the financial institution's Web site. The home page also offers an option to view personal billing statements from the billers, which are stored at the service center.

Abstract: A data network comprising a plurality of computing devices and an innovative data server. The computing devices facilitate access to the network by a plurality of participants. The data server, coupled to the data network and responsive to the plurality of computing devices, includes a memory device to store at least one financial account for each of the plurality of participants, and an innovative financial transaction manager incorporating the teachings of the present invention. The financial transaction manager is selectively invoked by participants to manage access to and manipulation of financial account assets to effect requested financial transactions with any network participant or non-participant.

Abstract: A method facilitating secure financial transactions using email is presented comprising the steps of receiving bill data at a server implementing the method, and generating an email message to a recipient with information including at least a portion of the received bill data. The amount of bill data included in the email message is based, at least in part, on the email address of the recipient.

Abstract: An electronic billing system provides a set of tools for a biller to create and design a customized billing statement. The system includes a statement designer that enables the biller to create a template for the billing statement. Once the statement is designed, the biller provides the statement format and billing data to a third party billing service center, which generates the electronic billing statements in the biller-designed format and electronically distributes the billing statements to consumers. To assist the biller in creating statement templates, the biller integration system maintains industry schema tables that are tailored to particular industries. The tables provide a default set of predefined billing categories for a given industry that the biller might wish to use in its template. The biller integration system and service center are each equipped with a gateway to facilitate the exchange of the statement template and billing data.