Abstract: Methods, systems, and media for processing and clearing a check are disclosed. Embodiments include hardware and/or software for generating an e-check in response to receipt of a paper check, by which a merchant performs the manual data entry for the merchant, the merchant's bank, the Federal Reserve Bank, and the purchaser's bank clearing procedures. The paper check is electronically scanned at the point of sale (POS) terminal to create a check object (the ‘e-check’) that contains the binary data of the check information, a scanned image of the paper check, and identification data from the purchaser. Then, the check object is submitted to the check writer's, or purchaser's bank, for automated clearing without having to process the physical document any further.

Abstract: The present invention is directed to a multi-way connection management (MWCM) system for monitoring and maintaining call connections among a group of participating parties. The multi-way call connection may be established by connecting the originating party and the desired participating parties. Once a multi-way call connection is established, the multi-way call connection may be maintained until the originating party desires to terminate the call. Any disconnected party may rejoin the multi-way call by an automatic redial performed by the MWCM system. Additionally, the originating party may provide a call continuation period of the multi-way call when the originating party can rejoin the multi-way call. In this manner, other participating parties may stay in the multi-way call during the provided period without the originating party being connected.

Abstract: A method and an apparatus for providing a portion of an electronic mail message based upon a transfer rate, a message size, and a file format are presented. The method includes determining whether it is desirable to provide less than all of an electronic mail message and determining a format associated with the electronic mail message in response to determining that it is desirable to provide less than all of the electronic mail message. The method also includes selecting a portion of the electronic mail message using the determined format and providing the selected portion of the electronic mail message.

Abstract: The present invention is directed to a method and system for altering an administrator of a multi-way call during the multi-way call connection and transferring the associated charges from one administrator to another. After a multi-way call connection is established from the originating party to many participating parties, the originating party may be given an opportunity to shift an administrator role to one of the participating parties. The participating party designated to be a new administrator may accept or refuse the request from the originating party. Once the participating party accepts the new administrator role, the subsequent charges may be transferred to the participating party and the originating party may be able to continue in or to drop out from the multi-way call without further responsibility of charges.

Abstract: A system for implementing a method for communicating an advertisement employs a primary call center, a mobile station, a base station, and an advertiser call center. When the mobile station is registered with the base station, the primary call center controls a transmission of one or more advertisements to the mobile station in accordance with a schedule preferred by the mobile station user with each advertisement matching a profile of the mobile station user. The mobile station user can either store the advertisement for future reference or respond to the advertisement. The response can be an acknowledgement of the advertisement or a desire to establish a communication link between the mobile station and the advertiser call center to thereby attempt a purchase of a good or a service. In response to an advertisement, the mobile station user is provided with a reward as an incentive to regularly receive advertisements.