Abstract: Using an advanced messaging system, customers can purchase goods or services from a vendor without either the vendor or the advanced messaging system itself having access to sensitive financial information of the customer. At the advanced messaging system, the customer connects an identifier of their account at the financial institution with an order identifier from the vendor, allowing a transfer of funds to take place between the customer and the vendor associated with an order. An alternative use of an advanced messaging system is for the transfer of funds between accounts. Another alternative use of an advanced messaging system is the secure management and transfer of customer medical information between multiple systems under the control of the customer. Another alternative use of an advanced messaging system is the secure management and transfer of customer information between multiple systems under the control of the customer.

Abstract: A money management network including a money management network, a bank web site hosted by a bank, and a vendor web site hosted by a vendor. The bank web site is accessible by a bank/vendor customer. The vendor web site accessible by the bank/vendor customer. The bank web site has means for accepting authorization for a purchase transaction from the bank/vendor customer such that the authorization verifies the bank/vendor customer's identification for the vendor. In one preferred embodiment the vendor receives authorization for a purchase without the vendor receiving customer account information from the bank/vendor customer, the bank, or the money management network.

Abstract: A money management network including a money management network, a bank web site hosted by a bank, and a vendor web site hosted by a vendor. The bank web site is accessible by a bank/vendor customer. The vendor web site is accessible by the bank/vendor customer. The bank web site has means for accepting authorization for a purchase transaction from the bank/vendor customer such that the authorization verifies the bank/vendor customer's identification for the vendor. In one preferred embodiment the vendor receives authorization for a purchase without the vendor receiving customer account information from the bank/vendor customer, the bank, or the money management network.

Abstract: Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system. The money is then deposited/transferred to the money management account, retained in the money management account as required for bill payment, and/or deposited/transferred into the discretionary fund account if it is “excess.” Bills are paid on a customer determined schedule directly from the money management account using the money retained in the money management account. A loan account may also be established in response to a customer's application for a loan account. A financial institution grants a loan for a loan purchase in response to a customer's application for a loan purchase.

Abstract: Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system. The money is then deposited/transferred to the money management account, retained in the money management account as required for bill payment, and/or deposited/transferred into the discretionary fund account if it is “excess.” Bills are paid on a customer determined schedule directly from the money management account using the money retained in the money management account. A loan account may also be established in response to a customer's application for a loan account. A financial institution grants a loan for a loan purchase in response to a customer's application for a loan purchase.

Abstract: This invention relates to the use of an antagonist of a G protein-coupled receptor in the prevention and/or treatment of fibrosis, such as the treatment of fibrosis associated with myocardial infarction or diabetes or certain pulmonary conditions. In a preferred embodiment, the antagonist is a C5a receptor antagonist, more preferably a cyclic peptide antagonist of the C5a receptor. In particular, the invention provides a method of prevention, treatment or alleviation of a fibrotic condition, comprising the step of administering an effective amount of an antagonist of a G protein-coupled receptor to a subject in need of such treatment.

Abstract: A wreath storage container having a front side, a back side, a bottom, a top and two sides that substantially fit together to form a back. Inside the wreath container there is a first piece and second piece which are attached to the back side and the front side, respectively. The first piece and the second piece are attached to their respective sides by a hinge mechanism. The first piece and second piece when disconnected allows a wreath to be inserted. Once the wreath is inserted, the first piece and second piece latch together to support the wreath. The wreath can then be secured to the back of the wreath storage container by using the hook and loop material straps which are attached to the back side.

Abstract: Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system. The money is then deposited/transferred to the money management account, retained in the money management account as required for bill payment, and/or deposited/transferred into the discretionary fund account if it is “excess.” Bills are paid on a customer determined schedule directly from the money management account using the money retained in the money management account. A loan account may also be established in response to a customer's application for a loan account. A financial institution grants a loan for a loan purchase in response to a customer's application for a loan purchase.

Abstract: Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system. The money is then deposited/transferred to the money management account, retained in the money management account as required for bill payment, and/or deposited/transferred into the discretionary fund account if it is “excess.” Bills are paid on a customer determined schedule directly from the money management account using the money retained in the money management account. A loan account may also be established in response to a customer's application for a loan account. A financial institution grants a loan for a loan purchase in response to a customer's application for a loan purchase.

Abstract: The present invention is directed to a method for allowing an employee (100) to self-administer automatic payroll deductions from his gross pay (120) through a money management system (130). Preferably, the employee (130) self-registers in the money management system via the web. Then the employee (100) may submit at least one transaction request to facilitate a financial obligation to at least one vendor (104). The system (130) then arranges for payment of the financial obligation and directs the payroll system (116) to withdraw funds from the employee's gross pay (120) (using at least one automatic payroll deduction) and to transfer the withdrawn funds to the at least one vendor (104). In one preferred embodiment, the system (130) provides access to a lender-vendor (104a) to arrange financing for the financial obligation and to a credit-risk reducing feature (104b) such as insurance.

Abstract: A novel presentation board has a body of molded plastic which forms a strong, hollow, lightweight unit with a projecting tray and grip on a front surface and a corresponding recesses on a rear surface so the units can be conveniently stacked. The front surface of the body bears an extruded track for insertion and replacement of a whiteboard or other writing surface. The whiteboard is secured at a top edge of the body by two metal pegs, sized and spaced apart to accept a prepunched pad of flip chart paper, that pass through the whiteboard into threaded inserts in the plastic body. The grip protrudes from a top edge of the whiteboard and is slidably mounted on the pegs. When slid into a lower position, the grip hides the pegs and locks the pad in position. A pair of U-shaped tubular metal legs can be slid into channels in a rear surface of the body. The channels are covered, at all but part of their lower ends, by cover plates. Grasping the lower leg ends allows one to slide the legs from the unit.