Abstract: A system and method are provided which accept orders from customers located at distributed locations, manages the ordering process by presenting a consolidated invoice to the seller, allows the seller to indicate which items are being paid along with a reason code for items for which payment is being withheld, accepts a consolidated payment, and allocates that payment to the appropriate selling subsidiary. In general, one or more orders are received from a buyer in which each of the orders corresponds to at least one seller subsidiary. The orders are consolidated into a consolidated invoice. The consolidated invoices are then made available to the buyer. An indication is received from the buyer as to which of the orders a payment is being approved. The payment, once received, is allocated to a corresponding at least one seller subsidiary for which the payment has been made.

Abstract: A software/hardware system which provides immediate, on-going interaction between an institution and its customers. The system communicates with customers/subscribers over numerous, different communication channels and actively screens market conditions for situations that could potentially impact its customers, based on the customers' unique situation and prearranged instructions. The system and method interacts with the institution's processing centers which handle incoming customer transactions and the system creates outgoing messages. The system has a decision making component used to make the decision in each case as to which information to push to the customer in the form of a message. The message is delivered to the customer via any communication channels presently known.

Abstract: A company with underperforming assets sells these assets to a trading house in exchange for value and a promise to make future purchases from the trading house. The value is provided by a financial institution. A portion of the money received by the trading house from the future purchases is given to the financial institution to pay back the value plus interest. To securitize the promise to make future purchases, the financial institution creates a special purpose entity which, in turn, creates a trust. Investors provide money to the special purpose entity which is used to purchase low risk assets that are placed in the trust. The special purpose entity then makes an agreement with the financial institution that if the company with underperforming assets defaults on its promise to purchase, the financial institution can take money from the trust.

Abstract: An automatic toll collection system comprises and operates in conjunction with transponders which are provided for sale to the public in sealed packages and which are pre-approved for a predetermined amount of prepaid toll credit. When the transponders are purchased, they can be installed in any vehicle and are immediately ready for use. The kit in which the transponder is sold includes application forms and a return mailer which permit the purchaser thereof to convert the preestablished anonymous account to a regular prepaid toll account and to authorize the automatic replenishment of the account, thus enabling continued use of the purchased transponder beyond the pre-approved amount. The invention further comprises the process of frequent updating, e.g. several times daily, hourly, etc. of toll plaza computers with toll transactions at all participating toll facilities, to prevent inadvertent overdrawing of toll accounts by motorists.