A digital content distribution and subscription system for digital data files, which provides subscriber (64) with music or video (62) for a fee.Subscribers (64) may subscribe to a predetermined number of song slots for a period of time.The subscriber (64) may select songs from various play lists, which causes encrypted digital audio files (68) for the selected music to be downloaded to the subscriber's PC.A license key (66) is downloaded to the subscriber's PC to enable the selected songs to be decoded and displayed for a predetermined time period.At the expiration of the time period, the license key (66) expires.Each subscriber's selections are tabulated for the purpose of toyality tracking and payment of a license fee to the copyright holder.The current system provides subscribers (64) with relatively high-quality digital audio files (68) and allows subscribers (64) to select from a wide range of stored digital audio files (68) on demand while not violating copyright laws.

Digital content distribution and subscription system

A system and method for effectuating Electronic Funds Transfer credit messages (see Fig. 12) is disclosed. The main structural components of the system include a Payment Portal Processor (Web Broker), an Internet Pay Anyone (IPA) Account (1202), a Virtual Private Lockbox (VPL) and an Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The Web Broker is a software application that provides a secure portal for accessing the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a Web Broker enhanced Wallet to fund their account, shop on the web, pay bills, store electronic receipts and transaction history, and check their recent Web Broker enhanced Wallet activity. The IPA is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and the balance in IPA and VPL accounts, and provide online, real-time transaction reports and reconcile accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

Method and system for processing internet payments

The present invention relates to methods for allowing an account holder to easily customize the terms of an account such as a loan account, an asset account, a mortgage account, an insurance account, or a brokerage account. Exemplary embodiments of the invention allow the user to specify various preferred terms such as cost (e.g., APR and annual fee), rewards programs, card design, affiliates, credit line, and payment due date, among others. The financial service provider issuing the account, e.g., the issuing bank, may make the various available terms for the account easily accessible to the user, for example through an internet website or an automated phone system, enabling the user to easily specify his or her preferences. The customization methods may be applied to the process of opening a new account or customizing an existing account. The customization methods may dynamically update the available terms as the user begins to select his or her desired terms.

System and method for establishing or modifying an account with user selectable terms

A system and method for integrating the Internet front end-sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution. During the initial sign up for the online access. to its accounts, a customer creates his/her User ID and password online during the same session. Once the customer has signed on (password) and verified ownership of at least one account, the system displays all of the customer's accounts that are available for access via the Internet website. The online ownership verification uses only a single account of the customer and the ownership verification criteria associated with the account. The account used for verifying a customer is first determined based on the accounts selected by the customer for accessing online. From the selected accounts, the system of the present invention creates a verification hierarchy with respect to the accounts. When determining the verification to use for the single ownership verification, the present invention selects the account from the hierarchy with the most stringent requirements.

System and method for single sign on process for websites with multiple applications and services

According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least once a day, whether a first data set relating to the creditworthiness of the account holder has been received from a credit reporting organization; determining, at least once a day, whether a second data set relating to transaction activity of the credit account has been received; periodically receiving from a credit reporting organization a third data set relating to the creditworthiness of the account holder; periodically receiving a fourth data set relating to the historical activity of the credit account; and using the first and second data sets, to the extent they have been received, and the third and fourth data sets to determine a measure of creditworthiness.

System and method for rapid updating of credit information

Disclosed is a server that provides session-persistent concurrent licenses for resources accessed by clients. In one embodiment, rather than requiring a license when the server is initially accessed, a license is not requested until a client seeks access to a licensed resource. In one implementation, scripts for Web pages associated with licensed resources include requests for licenses from a license management facility. Certain resources conditionally request a license based upon the origin of the access request: the license request may be bypassed for access requests from “pre-licensed” applications. Session-based licensing allows equitable assessment of compensation to a service provider for use of the services. The server includes many resources, some of which require a license for access while others do not. The services of premium value are the only ones for which customers are expected to obtain/claim a license.

Method and system for administering a concurrent user licensing agreement on a manufacturing/process control information portal server

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Method and system for administering a concurrent user licensing agreement on a manufacturing/process control information portal server