Abstract: Methods and systems coordinate an Internet-based financial transaction between an Internet merchant and a customer. A first information packet is received with a payment network from the Internet merchant. The first information packet has a credential assigned to the customer and transaction information specifying at least a cost of the Internet-based financial transaction. With the payment network, account information is determined that identifies a financial account maintained by the customer at a financial institution and authorization information that allows debit access to the identified financial account. A second information packet that includes the transaction information, the account information, and the authorization information is generated with the payment network.

Abstract: According to the invention, a method for a payor paying a payee using a payment account is disclosed. In one step, information on a number of payment accounts is retrieved. The payment accounts comprise a first payment account and a second payment account. Selection of the first payment account is received. It is determined that the first payment account is inadequate in some respect to pay the payee. A second payment account is suggested to the payor. Which second payment account is suggested could come from the payor's and/or payee's preferences in various embodiments. The payee is paid with the second payment account.

Abstract: According to the invention, a method for transferring funds from a sender to one or more recipients using a wide-area computer network is disclosed. In one step, transfer information is received from the sender with the wide area computer network to transfer credit to from the sender to a recipient. The transfer information includes at least an identifier and a credit amount. The identifier is generated by the sender. The identifier is unique to the recipient. It is determined if the transfer information is complete. A message is sent to the recipient. Transfer of a transfer amount related to the credit amount is paused based, at least in part, on the transfer information being incomplete. The transfer of the transfer amount is completed after the transfer information is complete.

Abstract: According to the invention, a method for transferring funds from a sender to one or more recipients using a wide-area computer network is disclosed. In one step, transfer information is received from the sender with the wide area computer network to transfer credit to from the sender to a recipient. The transfer information includes at least an identifier and a credit amount. The identifier is generated by the sender. The identifier is unique to the recipient. It is determined if the transfer information is complete. A message is sent to the recipient. Transfer of a transfer amount related to the credit amount is paused based, at least in part, on the transfer information being incomplete. The transfer of the transfer amount is completed after the transfer information is complete.

Abstract: According to the invention, a method for a payor paying a payee using a payment account is disclosed. In one step, information on a number of payment accounts is retrieved. The payment accounts comprise a first payment account and a second payment account. Selection of the first payment account is received. It is determined that the first payment account is inadequate in some respect to pay the payee. A second payment account is suggested to the payor. Which second payment account is suggested could come from the payor's and/or payee's preferences in various embodiments. The payee is paid with the second payment account.

Abstract: According to the invention, a method for authorizing an online purchase between a customer and a vendor site is provided. In one step, transaction information is received from the vendor site. A new web browser window is automatically opened for the customer, where the new web browser window points away from the vendor site. Authenticating information is received from the customer. The customer's identity is authenticated. The vendor site is notified of authentication of the customers's identity. A transaction amount is presented in the new web browser window. Authorization of a transfer for the transaction amount is received in the new browser window from the customer, where the transfer corresponds to the online purchase. The vendor site is notified of authorization by the customer for the transfer of the transaction amount.

Abstract: Process for the production of decorative laminates having improved scratch, mar, scrape and abrasion resistance comprising the initial step of preparing a mixture of a melamine-formaldehyde resin and an abrasion resistant material, wherein the mixture includes abrasion resistant alumina particles having a particle size of about 25 microns and abrasion resistant alumina particles having a particle size of about 3 microns at a ratio of about 2 to 1; about 0.25 percent silane; about 0.075 percent xanthan gum; and about 0.3 percent to about 1.2 percent polyvinyl alcohol or about 0.1 percent polyethylene glycol distearate having a molecular weight of about 6000, wherein all percentages are measured by weight of the total wet weight of the resin solution of the mixture.

Abstract: Wear-resistant high pressure decorative laminates having excellent scratch, mar, scrape and abrasion resistance and methods of producing the same.