Abstract: A person conducting offline commerce transaction provides a number that uniquely identifies the person, such as a credit card number, cell phone number, or other number. That number is converted into a dual barcode comprising a first barcode and a second barcode. Each barcode comprises a predetermined standard number of digits to render them compatible with standardized barcode readers available at most retail and commercial establishments. The person's barcode number is encrypted by an encryption algorithm selected by an index located in the first barcode. The person's barcode is rotated before or after encryption and the resulted encrypted User ID Barcode is placed in the second barcode. The first and second barcodes contain the standard number of digits with one of the digits provided with a unique symbol distinguishing the first and second barcodes from each other and from barcodes that are associated with products that may be scanned during a commercial transaction using the User ID Barcode.

Abstract: A process of transferring funds between two entities or persons is described; the process includes transferring funds from person A to-person B and reversing the process allowing refunds. The processes are performed through a Universal Vendor Management Server (UVM) where both entities A and B are registered and have opened UVM accounts. The funds transfer and refund processes permit the transfer of funds between the respective accounts and the charging of service fees to the entity initiating the transfer or refund process. No third party other than the UVM operator is involved in the transactions such as banks, credit card companies, and the like. The funds transfer may be achieved utilizing a cell phone to make a purchase at a participating vendor. A person enters an amount of payment in the cell phone; the amount is subtracted from the purchasers account and added to the account of the vendor.

Abstract: Methods and apparatus for conducting offline commerce transactions that use a barcode as an alternative means for personal identification. The user represented in the bar code format, User ID Barcode, is generated from a number that uniquely identifies the user. Numbers such as a cell phone number or a credit card number may be used to generate the User ID Barcode. These numbers are prefixed with a special character before they are converted to the barcode format. Prefixing a special character is necessary so that the bar code generated can be distinguished from any bar code representing products being sold. If a credit card number is used, the User ID Barcode is printed on the back of the credit card which then becomes a 2 and 1 credit card.

Abstract: Methods and apparatus for conducting offline commerce transactions that use a barcode as the user ID as an alternative means for personal identification is described. The user ID represented in the bar code format referred to as the User ID Barcode is generated from a number that uniquely identifies the user. Such numbers as a cell phone number or a credit card number or other number that uniquely identifies user may be used to generate the User ID Barcode. The unique personal identifier, the User ID Barcode is expanded to include the Country Code of the country in which the issuing company is domiciled.

Abstract: Methods and apparatus for conducting offline commerce transactions that use a barcode as an alternative means for personal identification. The user represented in the bar code format, User ID Barcode, is generated from a number that uniquely identifies the user. Numbers such as a cell phone number or a credit card number may be used to generate the User ID Barcode. These numbers are prefixed with a special character before they are converted to the barcode format. Prefixing a special character is necessary so that the bar code generated can be distinguished from any bar code representing products being sold. If a credit card number is used, the User ID Barcode is printed on the back of the credit card which then becomes a 2 and 1 credit card.

Abstract: Apparatus and methods are provided for facilitating electronic commerce in an environment in which a service provider handles business transactions between registered users and participating vendors and shipping companies, wherein users may establish and manage primary accounts and sub-accounts to purchase goods and services from participating vendors' web sites.

Abstract: A method for completing a transaction including receiving a credit card payment request at a card reader. The payment request can include a payment amount and a micropayment account identification identifying a pre-pay account or a post-pay account. In the event the payment request is for a pre-pay type of account and the payment amount is greater than a balance associated with the account, then a credit card account associated with the micropayment account is charged with a top off amount plus the difference between the payment amount and the remaining balance. In the event, the payment request is for a post-pay type of account and the payment amount is greater than the balance associate with the account, then a credit account associated with the micropayment account is charged with an amount equal to a credit limit plus the difference between the payment amount and the remaining credit.

Abstract: Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order, or other payment means. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time.

Abstract: Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order, or other payment means. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time.

Abstract: Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order, or other payment means. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time. For vendors who offer software products for sale or rental, use of electronic tokens makes a variety of rental arrangements practical.

Abstract: Systems and methods are provided for distributing content such as audio, video, and text files to users over a communications network such as the Internet. Content owners may store content items at content provider computers. A catalog provider computer may be used to host a catalog that lists the various content items available from the content owners. Vendors having vendor websites operating on vendor computers may view the content information in the catalog to determine which content items to offer on the websites. Users may select a desired content item to purchase at a vendor's website. When a user clicks on an appropriate purchase option, a micropayment service provider computer handles the purchase transaction. The purchased content item may then be delivered to the user from an appropriate one of the content provider computers.

Abstract: Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order, or other payment means. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time. For vendors who offer software products for sale or rental, use of electronic tokens makes a variety of rental arrangements practical.

Abstract: Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time.

Abstract: A method and apparatus are provided for removing noise from a first digital representation of data images and noise images of a document, including digitally scanning the document so as to produce the first digital representation of all the images of the document, including the data images and the noise images. After de-skewing the image representation, objects are built from a reduced-resolution representation of the scanned representation. Objects identified as picture objects are included in a mask which is logically ANDed with the de-skewed representation of the scanned document. All objects are added to an object list and initially marked as noise. Objects identified as text objects or geometric objects are marked as data objects. Objects identified as picture objects are included in a mask which is logically ANDed with the de-skewed representation to eliminate all other objects.

Abstract: An image processing apparatus and a recording medium which can improve the quality of a color document image. Smoothing conditions which are defined by three parameters of “filter size”, “offset”, and “overlap” are set. An edge image which was generated in an edge detection processing is referred to, and a determination is made as to whether an edge pixel exists in a noticed region. When the edge pixel does not exist in the noticed region, a smoothing processing is carried out. When the edge pixel exists in the noticed region, it is determined inappropriate to effect the smoothing processing, and the process goes to a subsequent processing without effecting the smoothing processing. The processing is carried out until the image scanning ends. When the image scanning ends, the next smoothing conditions are set and the processing which is the same as the one described above is performed.

Abstract: Systems and methods are provided for supporting electronic commerce in an environment in which multiple service providers each have associated vendors and in which a user may maintain an account at a service provider that is different from the service provider associated with the vendor from which a user makes an on-line purchase. Both tangible products and electronic content products may be sold using the system. A bridge computer may be used to facilitate interactions between service providers. The bridge computer may be used to implement service charge fees, to reimburse service providers for credit card transaction fees, to reimburse service providers with appropriate referral fees, and to otherwise support operation of the system.

Abstract: An image processing apparatus and a recording medium which can improve the quality of a color document image are provided. An input image is converted into an image having low resolution. A subtractive color image is generated using the converted image having low resolution. From the subtractive color image, adjacent pixels which are allocated to the same representative color are unified so as to extract an FCR (Flat Color Region) candidate region. A region candidate is redetermined using an image having resolution which is higher than the subtractive color image. Next, a boundary of the FCR is detected and an ultimate FCR is determined. Selection of a representative color of the determined FCR is carried out, and a specific color processing which replaces a color which is close to a pure color with the pure color is effected. Finally, image regeneration is carried out by overwriting and drawing (synthesizing) the FCR on the input image.

Abstract: Systems and methods are provided for supporting electronic commerce in an environment in which the service provider has vendors, shipping companies and users registered with its system so that a user can purchase goods and services from a participating vendor's website and have the vendor ship the purchased products to the user without disclosing to the vendor any personal information including shipping address.

Abstract: Systems and methods are provided for distributing content such as audio, video, and text files to users over a communications network such as the Internet. Content owners may store content items at content provider computers. A catalog provider computer may be used to host a catalog that lists the various content items available from the content owners. Vendors having vendor websites operating on vendor computers may view the content information in the catalog to determine which content items to offer on the websites. Users may select a desired content item to purchase at a vendor's website. When a user clicks on an appropriate purchase option, a micropayment service provider computer handles the purchase transaction. The purchased content item may then be delivered to the user from an appropriate one of the content provider computers.

Abstract: Systems and methods are provided for supporting electronic commerce in an environment in which multiple service providers each have associated vendors and in which a user may maintain an account at a service provider that is different from the service provider associated with the vendor from which a user makes an on-line purchase. Both tangible products and electronic content products may be sold using the system. A bridge computer may be used to facilitate interactions between service providers. The bridge computer may be used to implement service charge fees, to reimburse service providers for credit card transaction fees, to reimburse service providers with appropriate referral fees, and to otherwise support operation of the system.