Vmware, Inc.

Checkfree Corporation

Timothy Scott Renshaw

Ravi Ganesan

Kyle Austin

Peter J Kight

Brett Schoppert

Andrew Paul Cottrell

Ravi Singh Sandhu

To authenticate a user of a communications network, credentials from the user are centrally receiving. An authentication sequence is retrieved from a plurality of retrievable authentication sequences, and the retrieved authentication sequence is performed to authenticate the user based on the received credentials.

Flexible and adjustable authentication in cyberspace

A method, system and article of manufacture for making a monetary gift. The system includes a communications port, a memory, and a processor. The processor functions to perform the method of the present invention. A request to make a monetary gift to a recipient on behalf of a donor is received. An input associated with an electronic greeting card is also received. The request and the input are processed to generate the electronic greeting card with a notification of the gift. The electronic greeting card is transmitted to the recipient, and the gift is credited to the recipient's bank account.

Method and system for making a monetary gift

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Cumming, GA, United States of America

Timothy Scott Renshaw