Abstract: A method of administrating the life cycle of a financial transaction between a biller, a customer, and a plurality of third party processors, involving the recording, in a single multi-organizational payment tracking database, of a billing obligation as an element of a processing flow that reflects the financial transaction life cycle corresponding to the billing obligation, where the multi-organizational payment tracking database is configured to permit access by any one of the biller, customer, and plurality of third party processors to permit each participant to record, update and/or manage elements within the processing flow.

Abstract: A method for processing messages is provided where at least one algorithmic conduit is defined, and at least one conduit rule for controlling at least one algorithmic conduit is defined. An algorithmic conduit is a persistent connection, controlled by explicit, independent, dynamic rules, and capable of processing messages among data communicators such as devices, systems, or programs. Messages can be monitored, filtered, transformed, correlated, or processed in other ways without modifying the data communicators. A message conduit hub system allows creation and management of algorithmic conduits to serve as active, virtualized links carrying rules-based data streams among configurable endpoints. These “smart” connections are managed using parameters, logic, and other control interfaces for tailoring behavior to a particular application, site, or user.

Abstract: A method for processing messages is provided where at least one algorithmic conduit is defined, and at least one conduit rule for controlling at least one algorithmic conduit is defined. An algorithmic conduit is a persistent connection, controlled by explicit, independent, dynamic rules, and capable of processing messages among data communicators such as devices, systems, or programs. Messages can be monitored, filtered, transformed, correlated, or processed in other ways without modifying the data communicators. A message conduit hub system allows creation and management of algorithmic conduits to serve as active, virtualized links carrying rules-based data streams among configurable endpoints. These “smart” connections are managed using parameters, logic, and other control interfaces for tailoring behavior to a particular application, site, or user.

Abstract: A method for processing messages is provided where at least one algorithmic conduit is defined, and at least one conduit rule for controlling at least one algorithmic conduit is defined. An algorithmic conduit is a persistent connection, controlled by explicit, independent, dynamic rules, and capable of processing messages among data communicators such as devices, systems, or programs. Messages can be monitored, filtered, transformed, correlated, or processed in other ways without modifying the data communicators. A message conduit hub system allows creation and management of algorithmic conduits to serve as active, virtualized links carrying rules-based data streams among configurable endpoints. These “smart” connections are managed using parameters, logic, and other control interfaces for tailoring behavior to a particular application, site, or user.

Abstract: An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition.

Abstract: A method for processing messages is provided where at least one algorithmic conduit is defined, and at least one conduit rule for controlling at least one algorithmic conduit is defined. An algorithmic conduit is a persistent connection, controlled by explicit, independent, dynamic rules, and capable of processing messages among data communicators such as devices, systems, or programs. Messages can be monitored, filtered, transformed, correlated, or processed in other ways without modifying the data communicators. A message conduit hub system allows creation and management of algorithmic conduits to serve as active, virtualized links carrying rules-based data streams among configurable endpoints. These “smart” connections are managed using parameters, logic, and other control interfaces for tailoring behavior to a particular application, site, or user.

Abstract: An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition.