Abstract: The invention discloses a reloadable debit card which may be overdrawn by authorized merchants thus allowing future and recurring payments to be made via ACH transactions against this debit card. In addition, the cardholder may repay indebtedness simply by depositing funds onto the reloadable debit card.

Abstract: A loan system and cash advance product is provided which provides funds instantly to a financial institution or equivalent payment provider for pick-up by a registered user of the system. The user selects a cash advance product provided by an authorized distributor. The authorized distributor authenticates the user, pre-authorizes the purchase of the cash advance product, communicates with a loan system that verifies the user, authorizes the transaction, and transfers funds to the financial institution associated with the user. The authorized distributor then charges the user on his bill and remunerates the loan system cash advance product once the user has paid the bill.

Abstract: A pre-encoded financial card is disclosed along with a system and method allowing a user to attach it to pre-existing accounts and activate it instantly.

Abstract: The invention discloses a reloadable debit card which may be overdrawn by authorized merchants thus allowing future and recurring payments to be made via ACH transactions against this debit card. In addition, the cardholder may repay indebtedness simply by depositing funds onto the reloadable debit card.

Abstract: A network-based webcam wheel of fortune game is disclosed. Images from the participants webcams are positioned on the circumference of a virtual wheel that is displayed to all players and non-playing viewers via their monitors. This wheel is then spun. The winner is for instance the participant whose image this virtual wheel stops on. As a prize, the winner is then broadcast to all participants for a predetermined amount of time, who then vote on the quality of the performance.

Abstract: A pre-encoded financial card is disclosed along with a system and method allowing a user to attach it to pre-existing accounts and activate it instantly.

Abstract: The invention discloses a reloadable debit card which may be overdrawn by authorized merchants thus allowing future and recurring payments to be made via ACH transactions against this debit card. In addition, the cardholder may repay indebtedness simply by depositing funds onto the reloadable debit card.

Abstract: A pre-encoded financial card is disclosed along with a system and method allowing a user to attach it to pre-existing accounts and activate it instantly.

Abstract: A “MAX”, or other appropriate descriptive, selection is added to the set of selections available to users of electronic financial transactions. This selection determines the maximum amount which can be accessed by a user, subject to hardware, software, account and other restrictions.

Abstract: A loan system and cash advance product is provided which provides funds instantly to a financial institution or equivalent payment provider for pick-up by a registered user of the system. The user selects a cash advance product provided by an authorized distributor. The authorized distributor authenticates the user, pre-authorizes the purchase of the cash advance product, communicates with a loan system that verifies the user, authorizes the transaction, and transfers funds to the financial institution associated with the user. The authorized distributor then charges the user on his bill and remunerates the loan system cash advance product once the user has paid the bill.

Abstract: A pre-encoded financial card is disclosed along with a system and method allowing a user to attach it to pre-existing accounts and activate it instantly.

Abstract: A multimedia archive system is disclosed along with a system, method and apparatus allowing a user to review multiple multimedia files quickly, tagging and acting on their contents as well as a means of providing feedback thereon.

Abstract: A network-based webcam wheel of fortune game is disclosed. Images from the participants webcams are positioned on the circumference of a virtual wheel that is displayed to all players and non-playing viewers via their monitors. This wheel is then spun. The winner is for instance the participant whose image this virtual wheel stops on. As a prize, the winner is then broadcast to all participants for a predetermined amount of time, who then vote on the quality of the performance.

Abstract: A Loan system and cash advance product is provided which provides funds instantly to a financial institution or equivalent payment provider for pick-up by a registered user of the system. The user selects a cash advance product provided by an authorized distributor. The authorized distributor authenticates the user, pre-authorizes the purchase of the cash advanced product, communicates with a loan system that verifies the user, authorizes the transaction, and transfers funds to the financial registration loan institution associated with the user. The authorized distributor then charges the user on his bill and remunerates the loan system cash advance product once the user has paid the bill.

Abstract: The invention discloses a retail cash product available in multiple denominations, encoded with Point of Sale information allowing it to be purchased like any other retail product, which becomes a usable debit card once activated by the consumer. The ability for consumers to use gift cards, gift certificates, or credit cards to purchase this retail cash product provides them with the ability to obtain cash. Unlike reloadable debit cards, the retailer does not need special equipment, training, or processing at checkout; and the Cash Product Company even provides the funds to load onto the card, which the retailer repays in due course.

Abstract: The invention discloses a reloadable debit card which may be overdrawn by authorized merchants thus allowing future and recurring payments to be made via ACH transactions against this debit card. In addition, the cardholder may repay indebtedness simply by depositing funds onto the reloadable debit card.

Abstract: A point-of-sale packaging and display system for facilitating donations to charities is provided. A product's packaging is made to include an area that is labeled to identify a beneficiary of the donation and a predetermined amount thereof. The label is provided by the entity operating the system to a product manufacturer or seller in exchange for a donation to the stated beneficiary prior to the time the product is sold to a consumer. The product manufacturer or seller, in turn, applies the label to a product for display at the point-of-sale. By this method the consumer, who pays for the product and ultimately the donation, decides directly who to donate money to and how much solely by purchasing a product with a corresponding label identifying the beneficiary and amount of donation.