Abstract: In an exemplary embodiment, a customer, an automobile dealership, a participating financial institution, and a credit bureau may be electronically connected in a system that preferably uses the internet in order to develop and process a legal document comprising a credit application. The system thereby eliminates a paper-based process of credit approval, providing an efficient interaction between businesses and their customer.

Abstract: A wake up server permits both parties (the receiver and the responder) to be connected to the Internet only when a request or response is to be delivered. The wake up server consists of two parts; a server, which contains the telephone numbers of all machines (application partners) that dial to connect to the Internet, and on each application partner, a process monitor that monitors the telephone line and detects when a ring occurs. When an application partner is unable to deliver a request or response to another application partner, a request is sent to the wake up server to activate the target application partner. The wake up server dials the telephone number of the requested application partner and waits for ringing to occur. The wake up server then disconnects (i.e., hangs up the telephone line). The wake up monitor detects the ring and immediately dials to connect to the Internet. When the original application partner tries to send the response or request again, the process will now be successful.

Abstract: Transactions are conducted on the Internet, by telephone or directly with anonymity and privacy. A customer's shipping address is encoded by a multi-digit identifier which is stored in the database of a trusted third party, preferably the shipping company. A user of the system need only identify themselves to a vendor by this multi-digit identifier which prints the identifier in machine readable form on a package delivered to the shipper.