Abstract: A method for enabling two individual consumers to complete a transaction that includes payment from one consumer (the payor, or buyer) to another consumer (the payee, or seller). An intermediary typically operates the service over a computer network of nodes, such as the Internet. The buyer has the convenience of paying through a variety of different payment instruments. Likewise, the seller has the convenience of receiving payment through a variety of different disbursement instruments. For a fee, the intermediary collects the payment from the buyer and pays the seller. Although the intermediary may receive payment from the buyer before the intermediary transfers the payment to the seller, the intermediary may choose to pay the seller before receiving payment from the buyer. In this case, the intermediary assumes the risk of nonpayment by the buyer.

Abstract: A method for enabling two individual consumers to complete a transaction that includes payment from one consumer (the payor, or buyer) to another consumer (the payee, or seller). An intermediary typically operates the service over a computer network of nodes, such as the Internet. The buyer has the convenience of paying through a variety of different payment instruments. Likewise, the seller has the convenience of receiving payment through a variety of different disbursement instruments. For a fee, the intermediary collects the payment from the buyer and pays the seller. Although the intermediary may receive payment from the buyer before the intermediary transfers the payment to the seller, the intermediary may choose to pay the seller before receiving payment from the buyer. In this case, the intermediary assumes the risk of nonpayment by the buyer.

Abstract: A method for completing a transaction in response to a determination that goods have been acceptably delivered to a buyer. The method is particularly suitable for use in an online commerce system including a transaction computer operated by a transaction facilitator and a pre-authorized shipping service. After a transaction is initiated, payment instrument selection information is displayed to the buyer, who selects a payment instrument. Authorization for the payment instrument is obtained from a payment instrument processor. Instructions are communicated to the seller to ship the goods using the shipping service. Transaction information including a tracking number associated with the shipment of the goods is stored. A tracking database of the shipping service is queried to determine whether the goods have been delivered. If the goods have been delivered to and accepted by the buyer, an instruction is communicated to the payment instrument processor to make payment to the seller.

Abstract: A method for enabling two individual consumers to complete a transaction that includes payment from one consumer (the payor, or buyer) to another consumer (the payee, or seller). An intermediary typically operates the service over a computer network of nodes, such as the Internet. The buyer has the convenience of paying through a variety of different payment instruments. Likewise, the seller has the convenience of receiving payment through a variety of different disbursement instruments. For a fee, the intermediary collects the payment from the buyer and pays the seller. Although the intermediary may receive payment from the buyer before the intermediary transfers the payment to the seller, the intermediary may choose to pay the seller before receiving payment from the buyer. In this case, the intermediary assumes the risk of nonpayment by the buyer.

Abstract: A system and methods for managing Internet e-mail address changes, particularly useful for situations where subscribers change Internet service providers. A computer system manages a database of stored records correlating a first e-mail address of an intended recipient, e.g. an old e-mail address, to a second e-mail address, e.g. a new e-mail address of the intended recipient. A program module in the computer system is responsive to an Internet query for accessing the database to determine whether a second e-mail address of the intended recipient is stored in association with a first e-mail address. Another program module is operative for providing the second e-mail address as a response to the query. The query response is communicated to the sender or to the sender's ISP so that an undeliverable message can be resent to the new e-mail address. Also provided are security and authentication measures for ensuring that address change requests are valid and authentic.

Abstract: High accuracy is achieved by employing, in conventional DAC architectures, very accurate current sources. To create these high-accuracy current sources, the outputs of several smaller, less accurate, nominally equal current sources are summed. A procedure is taught for selecting the number of current sources to achieve an arbitrary degree of accuracy with a desired level of confidence. Assuming the current sources are taken from a population whose output currents deviate from a design value according to a normal distribution, the minimum number of constituent current sources, n, required to provide an accurate total current is given by the formula n=(Z.sigma./E).sup.2, where Z is a number which corresponds to the probability that the output will fall within an error band E (i.e., a predetermined accuracy level) with a predetermined level of confidence, .sigma. is the standard deviation of the population.