Marjorie S Engber

6785661, Aug 31, 2004

Mar 17, 1998

09/042774

Maria M. Mandler - Wilmette IL
Ann P. McLaughlin - River Forest IL
Robert R. Battenfelder - Darien CT
James E. Rouen - New York NY
Levi Y. Orbach - Forest Hills NY
Carol Benson - Oakland CA
Marjorie Engber - New York NY
James E. Nevens - Colleyville TX
William Joseph Krajewski - Thornton PA
Carol A. Baldwin Moody - Brooklyn NY
John P. Figliozzi - St. Charles IL
Keith W. Luke - New Canaan CT
Cornelia Blemings - Atco NY
Kathleen M. Dixon - Chicago IL

Citibank, N.A. - New York NY

G06F 1700

705 39, 705 26

A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for receiving a request for goods or services from a buyer and making a real-time determination of a risk classification of the buyer utilizing an on-line repository of credit information. The financial clearinghouse determines a risk-based discount fee as a function of the buyers risk classification in order to establish a payment amount to the seller from the clearinghouse. If the transaction is authorized by the financial clearinghouse, the financial clearinghouse transmits the payment amount to the seller and transmits an invoice to the buyer for the purchase price of the transaction. The system can also include a broker coupled to the financial clearinghouse for providing an on-line order acceptance and processing capability between the buyers and sellers.

51951304, Mar 16, 1993

Oct 5, 1990

7/593921

Lawrence D. Weiss - New York NY
Joseph C. Kawan - Hollywood CA
Leslie Roth - Plainview NY
Jim R. Vollmer - Los Angeles CA
Morris L. Tucci - Van Nuys CA
Melvin M. Takata - Hermosa Beach CA
Alfred S. Samulon - Malibu CA
Dilip J. Parekh - Los Angeles CA
Sarkis A. Meguerdijian - Glendale CA
Harvey Marks - Canoga Park CA
Shan Lee - Hacienda Heights CA
Douglas W. Caruthers - Redondo CA
Leo Ahlin - Rexdale, CA
Leslie Moss - Los Angeles CA
Kenneth Krieger - Northport NY
Carol A. Medine - Los Angeles CA
Truc Nguyen - Cerritos CA
Marjorie Engber - New York NY
Edward Chin - Dix Hills NY
Lucilla K. Warren - Los Angeles CA
Joseph P. Randolph - Winchester MA
Robert Haddock - New York NY

Transaction Technology, Inc. - Santa Monica CA

H04M 1100

379 98

The present invention relates to a telephone configured as a programmable microcomputer (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input. The telephone-computer includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, and a programmable gate array (PGA) chip and enhanced integrity features, and has the overall appearance of a telephone. The PGA has the capability of being reconfigured to accommodate various types of softwares which require different hardware configuration, but without actually reconfiguring the hardware. The telephone-computer delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines with a network host computer which communicates with a vast panoply of service bureaus. Specifically, operating software is downloaded to the telephone-computer by the network host computer to reconfigure the PGA to format the microcomputer necessary to conform to the software format used by the service bureaus.

55725724, Nov 5, 1996

Mar 16, 1994

8/213791

Joseph C. Kawan - Hollywood CA
Melvin M. Takata - Hermosa Beach CA
Alfred S. Samulon - Malibu CA
Dilip J. Parekh - Los Angeles CA
Harvey Marks - Canoga Park CA
Douglas W. Caruthers - Marina Del Rey CA
Carol A. Medine - Los Angeles CA
Truc Nguyen - Cerritos CA
Lucilla Warren - Santa Barbara CA
Leslie Moss - Los Angeles CA
Morris L. Tucci - Van Nuys CA
Shan Lee - Hacienda Heights CA
Jim Vollmer - Culver City CA
Leo Ahlin - Etobicoke, CA
Lawrence D. Weiss - Skaneateles NY
Leslie Roth - Planview NY
Kenneth Krieger - Northport NY
Marjorie Engber - New York NY
Edward Chin - Long Island City NY
Robert Haddock - New York NY

Transaction Technology, Inc. - Santa Monica CA

H04M 1100

379 98

A telephone configures as a programmable microcomputer (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input. The telephone-computer has the overall appearance of a telephone and includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, a programmable gate array (PGA) chip which can be initially programmed and then fixed, and enhanced integrity features. The PGA has the capability of being configured to accommodate various types of software which require different hardware Configuration, but without actually reconfiguring the hardware. The telephone-computer delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines with a network host computer which communicates with a vast panoply of service bureaus. Specifically, operating software is downloaded to the telephone-computer by the network host computer to format the microcomputer to conform to the software format used by the service bureaus.

57324000, Mar 24, 1998

Jan 4, 1995

8/368290

Maria M. Mandler - Wilmette IL
Ann P. McLaughlin - River Forest IL
Robert R. Battenfelder - Darien CT
James E. Rouen - New York NY
Levi Y. Orbach - Forest Hills NY
Carol Benson - Oakland CA
Marjorie Engber - New York NY
James E. Nevens - Colleyville TX
William Joseph Krajewski - Thornton PA
Carol A. Baldwin Moody - Brooklyn NY
John P. Figliozzi - St. Charles IL
Keith W. Luke - New Canaan CT
Cornelia Blemings - Pittsburgh PA
Kathleen M. Dixon - Chicago IL

Citibank N.A. - New York NY

G06F 1760

705 26

A system and method provides for enabling on-line transactional services among sellers and buyers having no previous relationship with each other. The system includes a financial clearinghouse for receiving a request for goods or services from a buyer and making a real-time determination of a risk classification of the buyer utilizing an on-line repository of credit information. The financial clearinghouse determines a risk-based discount fee as a function of the buyer's risk classification in order to establish a payment amount to the seller from the clearinghouse. If the transaction is authorized by the financial clearinghouse, the financial clearinghouse transmits the payment amount to the seller and transmits an invoice to the buyer for the purchase price of the transaction. The system can also include a broker coupled to the financial clearinghouse for providing an on-line order acceptance and processing capability between the buyers and sellers.