Abstract: A secure system and method are disclosed to effectuate financial transactions over a secure internet backbone establishing and using a secure closed loop financial transactional system encompassing a proxy account and a pre-registered personal handheld mobile device to the account a preregistered merchant where all funds within the account remain in an “inactive” non-usable state until activated and allocated only by the consumer's registered mobile handheld device using a unique, time sensitive, device specific and merchant specific transactional token initially developed on the system's backend and subsequent token activation completion by the intended specific registered mobile device and by the intended merchant application.

Abstract: A secure and convenient product purchasing system and method are disclosed to allow for online sale and purchase of goods by means of a social network site using a mobile wallet system as an m-Commerce shopping cart checkout linked to a secure financial closed-loop proxy account. A proprietary graphical or barcode-represented on-line digital product code and details to be posted to one user's social network wall, so as to be either scanned or directly selected, then paid for using the secure financial closed-loop proxy account and a pre-registered personal handheld mobile device where all funds within the account remain in an “inactive” non-usable state until activated and allocated by another user through their mobile device, where both users are registered to the secure financial closed-loop proxy account.

Abstract: A secure product purchasing system and method are disclosed to allow for online purchase of goods or services by means of a proprietary graphical or barcode-represented printed or on-line digital product code and details to be either sent to or discovered by a customer, so as to be scanned then paid for using a secure financial closed-loop proxy account and a pre-registered personal handheld mobile device where all funds within the account remain in an “inactive” non-usable state until activated and allocated only by the customer through the mobile handheld device, wherein the merchant is registered to the secure financial closed-loop proxy account.

Abstract: A secure system and method are disclosed to effectuate financial transactions over a secure internet backbone establishing and using a secure financial proxy account and a pre-registered personal handheld mobile device where all funds within the account remain in an “inactive” non-usable state until activated and allocated only by the registered mobile handheld device.

Abstract: Disclosed is a novel method of sending electronic gift cards. The cards enable people when they are in a hurry and they want to do last minute shopping for special occasions, the holidays, including those special events such as anniversaries, birthdays and special event days. The invention allows anyone with a mobile device to send a personalize “gift card” to anyone else who also has a mobile device anywhere. Through secure personal accounts, the consumer may tell the transaction server, about whom to send the gift to, how much, and select the occasion or customized message. The electronic “gift card” can be in one of the alternative forms, such as just text, image, or video message. The delivery of the “gift card” can be scheduled instantly or anytime in the future. It can also be periodic. The delivery of the card is secured and guaranteed as is the redemption and transaction process.

Abstract: Information retrieval and consumption from the web is becoming the fundamental way we manage our lives, business and leisure. To simplify retrieving information of our interest, a lot of research has been done in the area of web crawlers, or “bots” that navigate the web automatically, read web pages, and index those web pages based on the content of web pages. Another group of utilities that monitor web page changes have also emerged. Web crawlers provide very little control to the users in the manner in which the web is navigated and they fail to work with links that have links embedded in scripts. The web page monitoring applications fail when the pages are dynamically generated, and the links to the pages change all the time. Furthermore more and more content is being protected by authentication schemes such as username and password based authentication. These issues make the conventional web navigation automation tools ineffective for most useful applications.

Abstract: A method for appending a dialing prefix to a telephone number digit string which has been dialed from a calling party is provided which comprises the steps of storing the dialed telephone number digit string in a buffer, marking the telephone number digit string stored in said buffer to define the local line number, checking whether the dialing prefix and local line number provides a valid network address, determining a correct dialing prefix to reach the destination party, advising the calling party via a computer-generated audio message of the correct dialing prefix required to reach the destination party, appending the correct area code prefix to the local line number; and automatically connecting the call to a destination party. The dialing prefix can include 1+, 0+, area codes, international access codes, and foreign country and city codes. The caller can be prompted for manual input of the correct dialing prefix using the touch tone keypad, or the prefix can be appended automatically.