Data processing: financial, business practice, management, or cost/price determination inventions 05/06

20060111930 - Automated refund process: A method and system to provide aggregate transit time. In one embodiment, the method, which may be performed by a system, comprises receiving information identifying a shipping destination; and in response to the information, providing data related to on-time performance for one or more shipping vendors providing shipping services to...

20060111928 - Customer specific catalogs based on a set of standard catalogs: Customer specific catalogs based on a set of standard catalogs are described. In one aspect, a computer-readable medium includes computer-program-instructions executable by a processor. The computer-program instructions are for implementing an application programming interface (API) to design and/or maintain an electronic catalog that is based on one or more base...

20060111922 - Home planner system: A method of preparing a customized house plan includes providing a single interface menu that includes an image of a floor plan, itemized floor plan options, and more than one option of an elevation view for a selected house plan, modifying the image of the floor plan based on the...

20060111921 - Method and apparatus of on demand business activity management using business performance management loops: An architecture, system, and method are provided for a commitment loop solution for on demand business activity management. A Business Performance Management (BPM) loop is defined as a set of nodes each relating to different tasks for processing performance management trigger data generated by a business entity in real time,...

20060111929 - Method and system for optimizing use of shipping containers: A network-based application enables participants to “street-turn” or “road-turn” ocean containers amongst themselves with ease and minimal liability exposure. A database that includes both static and dynamic memory is provided for storing information relating to each container. By interfacing with this database, participants may search for specific criteria relating to...

20060111925 - Method and system for tool management: The method and system tool management. Tools are classified as either material tools or equipment tools. Tools are reserved via generation of a use reservation indicating when a user will obtain and use the tool and a return reservation indicating when a user will return the tool. The present invention...

20060111924 - Method and system for warranty claim processing: A method and system for processing a warranty claim generated on the basis of a service order. A warranty relating to the service order is checked. On the basis of the data included in the service order, warranty data is found and a determination is made as to whether a...

20060111931 - Method for the use of and interaction with business system transfer functions: A method for using and interacting with mathematical or algorithmic business system transfer functions in support of a business information, analysis, decisioning and control system. The method includes developing at least one high-level business system view wherein the transfer function is configured to quantitatively express the business system view; identifying...

20060111920 - Method of generating post-delivery revenue and recording post-delivery activity associated with preloaded inactivated resident applications: A system for generating a post-sale revenue receivable based upon a remote activation of a preloaded inactivated core application. The system also includes incorporating the preloaded inactivated core application in an integrated circuit chip. The system also includes generating a post-sale revenue receivable based upon a remote activation of a...

20060111926 - Realizing legally binding business contracts through service management models: Methods and apparatus for managing business interactions between opposing parties. Business interactions are mapped to service contracts. The service contracts are mapped to machine readable code. The machine readable code is defined by business transaction patterns and service interaction patterns. The machine readable code is consumed by an IT system....

20060111923 - System and a method for selecting a property based on prioritized criteria of a purchaser: A method and a system for using a computer network to select a list of available properties based on prioritized criteria of a potential purchaser are provided. The method and the system use a computer network to evaluate and/or to weigh criteria prioritized by the purchaser. The computer network matches...

20060111932 - System and method for defining occupational-specific skills associated with job positions: A method includes identifying a plurality of tasks associated with at least one job position. The method also includes grouping the plurality of tasks into one or more groups. Each group includes at least one of the identified tasks. The method further includes identifying, for each of the one or...

20060111927 - System, method and program for estimating risk of disaster in infrastructure: Method, system and computer program for estimating risk of a future disaster of an infrastructure. Times of previous, respective disasters of the infrastructure are identified. Respective severities of the previous disasters are determined. Risk of a future disaster of the infrastructure is estimated by determining a relationship between the previous...

20060111933 - Adaptive medical decision support system: A method and system for providing diagnostic and treatment information to a health professional is disclosed. A set of diagnostic and treatment rules are applied to patient specific information inputted by the health professional during an adverse medical event. The system then selects and delivers appropriate diagnoses and treatment algorithms...

20060111939 - Apparatus and method for making hospital staff assignments: An apparatus and method for receiving data, organizing the data, and constructing hospital staff assignments based on the data. Where hospital staff assignments are instructions that designate which hospital staff members are responsible for which hospital beds. An embodiment in accordance with the present invention provides a data source, a...

20060111941 - Automated patient management system: A system for making the process of registering at and receiving treatment in a healthcare facility more efficient and safe has been developed. The system utilizes computer communications network-based systems, software, various input and output stations, and a patient identification card (e.g., Loyalty Card) that work together to allow (a)...

20060111936 - Container system and method for hosting healthcare applications and componentized archiecture: Certain embodiments of the present invention provide a method and system for improved medical workflow and interfacing in a healthcare environment using a unified interface framework. In an embodiment, the system includes a unified user interface allowing access to a plurality of medical components, wherein the unified user interface coordinates...

20060111940 - Method and apparatus for assessing credit for healthcare patients: According to one example embodiment, there is provided a method and an apparatus to evaluate the credit of a healthcare patient. The example embodiment provides methods and computer systems programmed to use multiple variables that are known about a patient prior to a service being rendered to segment the patient...

20060111938 - Method of delivering diagnostic services: The Invention is a method of providing medical diagnostic services. An examination provider subscribes to a subscriber network and receives examination equipment, protocols and training during the term of the examination provider's subscription as a benefit of that subscription. The examination provider conducts physical examinations of patients utilizing the examination...

20060111935 - System and method for customizing workflow using standard formats for information transfer: Embodiments of the present system and method relate generally to standardized electronic communications in a healthcare setting. Certain embodiments of the system include a healthcare information acquisition and management system capable of using information that conforms to an industry standard format for information transfer, an order scheduling system capable of...

20060111937 - System and method for perspective-based procedure analysis: Certain embodiments of the present invention provide a method and system for using medical perspectives to improve medical workflow. Certain embodiments of a system for using medical perspectives for improved screening analysis include a picture archiving and communication system (PACS) workstation capable of being used for reviewing images and at...

20060111934 - Virtual share exchange apparatus and method: A method and apparatus that includes a method and apparatus for pooling resources into a common fund such that the risk benefit is held low by assigning rating to the individual members as well as allowing people with similar characteristic or profiles to participate in the pool....

20060111942 - Consultation service, system, and method for selecting an electronic medical record (emr) provider: A system for searching for vendor products including a consultant data store, a search engine, and a client interface having an input section and a result section. The consultant data store can be populated with standardized product characteristics for a plurality of products supplied by different vendors. The search engine...

20060111943 - Method and system to edit and analyze longitudinal personal health data using a web-based application: In a global computer network, a system for processing personal health records is disclosed. The system includes a web-based application providing an application web server that does not store personal data. A user starts a new session using the application web site and begins entering medical data. During the session,...

20060111944 - System and method for encouraging performance of health-promoting measures: The present invention relates to systems and methods for monitoring and promoting behavioral modification with regard to an individual's health. In particular, the present invention provides a means for monitoring an individual's performance of health-promoting measures and, based on the member compliance to health-promoting measures, issuing tangible and/or intangible incentive...

20060111947 - Business method for profitably and continually determining the identity of those who have failed to maintain insurance: A business method 200 which may use an apparatus 10 to profitably and continually determine the identity of those within a predetermined group of individuals who lack required or desired insurance....

20060111945 - Method and system for tracking real estate transactions: A method and system is provided for tracking real estate transactions via the Internet and other networked devices. The method includes the steps of receiving and storing in a computerized database initial data inputs from buyers, sellers, and real estate agents and other vendors relating to identifiable pieces of real...

20060111949 - Premium financing method and loan product using life insurance policies and method for administering same: A premium financing method and a non-recourse loan product using life insurance policy as only collateral for a non-recourse loan. The proceed of the non-recourse loan being used to pay the premium of the life insurance policy. The non-recourse loan product can use a new or an existing life insurance...

20060111946 - Program for alternative funding of employee and retiree benefits: An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract is purchased with assets from the trust account...

20060111948 - Verbal ordering system: A verbal physician ordering system authenticates identity of the physician and enables caregivers and physicians to coordinate their activities in treating patients. Such authentication is realized electronically by telephone, datalink password and/or PIN, voice print authorization, or otherwise. In this way, the physician can exercise medical authority remotely, have the...

20060111950 - Method for business process mapping, design, analysis and performance monitoring: A method of creating a systems requirement document by using a numerical modeling tool, such as a spreadsheet, to prototype an operational process in terms of a numerical picture of the goals, metrics, performance targets and constraints used by managers of the operational process. A process design blueprint is defined...

20060111952 - Method of qualifying small business ownership for first-time buyers: A business brokerage process is provided for identifying key issues for locating appropriate buyers and sellers for a successful business purchase. The method includes the steps of psychological testing, process awareness through coaching and education, spousal support through involvement, and access to financing through introduction to providers of capital....

20060111951 - Time polynomial arrow-debreu market equilibrium: A concept for providing a process and apparatus for allocating a gamut of assets/resources across a spectrum of consumers is described. The concept includes an apparatus for allocating resources across a spectrum of users. The apparatus includes one or more processors and a memory coupled to the one or more...

20060111956 - System and method for managing purchasing contracts: A system and method of managing purchasing contracts between supplier entities and customer entities for the purchase of products includes the step of generating at least one purchasing contract between at least one supplier entity (e.g., a product originator such as an airline company or a distributor such as travel...

20060111955 - System and method for mobile resource management with customer confirmation: A customer appointment management system and method with mobile resource management including a customer communication module configured for transmitting to a customer a notification of a pending arrival of a mobile agent at the customer location for an appointment and receiving a confirmation from the customer confirming the appointment. The...

20060111953 - Virtual knowledge management system: It is an object of the present invention to provide a virtual knowledge management system which controls the flow of information relating to the performance of business in an enterprise. The flow of information that is intensively administered by a virtual knowledge base 20 is automatically controlled on the basis...

20060111957 - Dynamic schedule mediation: An apparatus and method provides dynamic schedule mediation by scheduling and monitoring appointments between a service provider and customers. The apparatus and method uses a statistical analysis to determine a best appointment time based on at least one of: historical performance patterns, the type of service requested during the appointment,...

20060111965 - Methods and system for marketing a commitment symbol and related method for engendering community recognition of same: A method of marketing a symbol of commitment is provided. The method includes identifying a symbol that can be recognized as a showing of a predetermined type of personal commitment. The also includes providing at least one design of the symbol. Additionally, the method includes determining at least one retail...

20060111961 - Passive consumer survey system and method: A passive tracking system and method are disclosed which use RFID tags carried by participants. RFID readers are positioned at the entrances to stores which are part of the study or analysis. Data relating to the visits of participants of the stores are recorded in a participant database. The data...

20060111960 - Performance prediction service using business-process information: Performance prediction techniques are provided that utilize business-process information such as transaction history and log information. For example, in one aspect of the invention, a computer-based technique for providing a performance prediction service comprises the following steps/operations. First, business-process information associated with a business is obtained. Then, a performance estimation...

20060111963 - Product demand forecasting: Embodiments include a system for forecasting demand data for new products. The system and method may include generating a phase-in group profile based on similar products. The phase-in group profile may have multiple demand profiles for low, medium and high demand variations. These demand profiles may be applied to new...

20060111964 - Project evaluation metric, methods of using the same, and programs for generating and using the metric: A method for evaluating projects for a product under development by generating a Project Traction Index based upon a market relevance criterion, a technical uniqueness criterion, and a plan for commercialization criterion. The Project Traction Index is functionally related to the numeric confidence level assigned to each factor considered. Each...

20060111958 - Study/development investment securities sales method: A study/development is objectively evaluated for introduction of share for investors so as to provide an investment chance to the study/development and pay dividend. A processing unit reads in study plan information, study result information, study cost balance information, and expected result information for each of the study theme identification...

20060111966 - Supplier performance reporting: A system and method is provided for improved reporting of supplier performance. A system receives and processes data to enable reporting of on-time performance relative to a plurality of order start points and a plurality of order end points. Buyers and suppliers report on-time performance for system processing using the...

20060111962 - Survey system and method: A survey system and method are disclosed for conducting targeted surveys of purchase decisions. Participants are registered and demographic information is stored in a database. Each participant has an RFID tag which is used to locate the participant at particular locations in a store. When a participant is detected at...

20060111959 - Surveying apparatus and method for compensation reports: A method and apparatus for providing targeted online compensation reports that accounts for unique individual characteristics, such as related to a job, by using dynamic profiles is described. The preferred embodiment uses a survey engine (247) having a collaborative filtering engine that determines appropriate questions to ask the user during...

20060111974 - Method and system for rewarding use of a communications network site: Users of a communications network, when registered with a base communications network site on the network, automatically are awarded credits when they interact with the base site. The registered users can redeem the credits at any communications network site that is partnered with the base site in exchange for obtaining...

20060111968 - Method and system for valuing advertising content: Methods and media are provided for objectively valuing advertising content (or the potential viewer impact thereof) that occur during the course of an event or other presentation (such as TV sitcom). In one embodiment the method includes receiving a source of media, indexing a set of sponsorship images within the...

20060111972 - Method to facilitate streaming content recipient interaction: Non-commercial content (11) is combined (14) with a commercial message (12) that itself comprises, in part, recipient-interaction facilitation content that in turn yields a respondable commercial message (13). This combination of content is streamed (15) via a wireless broadband channel to a recipient. Upon detecting (16) a recipient interaction event,...

20060111978 - Method, system and computer program for providing a loyalty engine enabling dynamic administration of loyalty programs: A method, computer system, and computer program product for encouraging customer loyalty is provided. The method includes the steps of: (1) one or more partners defining a loyalty program, the loyalty program defining loyalty rewards, cross-promotional partner rewards and prizes associated with one or more activities; (2) registering one or...

20060111981 - Methods and apparatus for ultra-violet stimulated displays: A display element for use in a display device that exhibits extended illumination longevity and uniformity, as well as a wide viewing angle, is provided. The element can include a light source that emits ultraviolet light, a liquid crystal device having a plurality of independently controllable (i.e., addressable) shutters, a...

20060111979 - Online game advertising system: In one embodiment an online game advertising system provides an architecture for enabling the definition, sales, distribution, and management of interactive advertisements, sponsorships, and placements that appear within an online video game as part of the game experience or during idle load, wait, and pause screens. For example, in a...

20060111967 - Optimised messages containing barcode information for mobile receiving device: A system for delivering coupons containing barcodes to a mobile device such as a mobile phone is disclosed. A message processor means (106) generates message data comprising a coupon. A message optimiser means (116) generates an optimised message responsive to the message data and the capabilities of the mobile device...

20060111977 - Process for creating and disseminating marketing initiatives to specific consumers or specific consumer groups: The present disclosure relates to a process for creating and disseminating retailer product offers to consumers. The process combines both store or retailer loyalty and product loyalty to identify, and market, to specific consumers and consumer groups. This may lead to less consolidation and a decrease in marketing and advertising...

20060111973 - Stored value mileage card systems and methods of use: Systems and methods for managing mileage value accounts are provided. One such method includes receiving a presentation instrument having an account identifier stored thereon, and transmitting the account identifier and a purchase item identifier from a point-of-sale device to a host computer system. Using the host computer system, a customer...

20060111980 - System and method for administering a brokerage rebate card program: A technique for administering a rebate program includes logic for generating rebate information based the purchase of goods and/or services using a card instrument. The technique further includes logic for applying a rebate, based on the rebate information, to fund at least part of a transaction performed by an brokerage...

20060111969 - System and method for automatic selection of advertising slogans printed on a mailpiece: A method of printing an ad slogan on a mailpiece, including establishing one or more date ranges and one or more pre-selected ad slogans, wherein each of the date ranges has one of the pre-selected ad slogans corresponding thereto. The method further includes determining a current date (the date on...

20060111971 - System and method for on-line and off-line advertising in content delivered to a display screen: An on-screen advertising system that employs paginated on-screen pages that adapt based on display and window size and allow for the anchoring and sizing of advertisements based on a given relative paginated page size. Content is reflowed to fit the advertisements....

20060111970 - System and method for selling on-line and off-line advertising in content delivered to a display screen: A method for selling on-screen advertising based on the relative page percentage an advertisement consumes on a paginated page displayed on a user's display. The invention includes a payment model for on-screen advertising based on “eyeball space” and placement. In one embodiment, paginated adaptable pages with advertising panes are authored...

20060111976 - System and methods of marketing, designing, manufacturing and packaging customized items: A system and methods for designing, manufacturing and packaging customized items are provided. In a preferred embodiment, the inventive system is utilized in a retail store for customizing apparel, such as t-shirts, where a customer can choose an item to be customized from various styles, sizes and colors of blank...

20060111975 - System to solicit unknown corporate data: There is provided a method and system to generate corporate data pertaining to a corporate entity. The system includes an interface to communicate, from a data system and via a communications network, a request to a plurality of users of the data system for corporate information relating to a corporate...

20060111982 - Sales slip processing method, sales slip processor using sales slip processing method, and storage medium used for sales slip processing method and processor: In response to inputting order, a sales slip processor issues a sales slip with a slip code and a table code of a table at which the order is accepted, and stores order data in a sales holding file. In order to balance or rewrite sales slips, an operator inputs...

20060111984 - Display device lease management system: A contents data base accumulating contents to be displayed on a display device and a lease management section managing a lease of the display device and a distribution of the contents to the display device are connected to the display device so that they can communicate with each other. The...

20060111988 - Method and apparatus integrating navigation and saving the writable state of applications: The invention includes a computerized method responding to a navigation cue from a user by saving the writable state of the application and directing the computer through the window operating system to perform the navigation task 36 indicated by the navigation cue. The invention includes the following, which will each...

20060111987 - Personalized combo kit of tools and accessories: The present invention provides a method for providing a personalized combo kit of tools and accessories. A plurality of tools and accessories are provided to a customer for selection. The customer is enabled to select at least two items from the plurality of tools and accessories. The selected at least...

20060111983 - System, apparatus, and method for facilitating point-of-sale transactions: A system, apparatus, and method for facilitating point-of-sale (POS) transactions, including a user interface having an input area for receiving handwritten input, a selection window for displaying items associated with the handwritten input, and an order window for displaying selected items. The apparatus can include a button to choose options...

20060111986 - System, method, and computer program product for automated consolidating and updating of inventory from multiple sellers for access by multiple buyers: A system and method that allow for collection of available and sellable goods or services in a real-time or near real-time environment from a network of retail or a chain of retail stores, wholesalers, distributors, or service providers. The collective database is made available to the general public via a...

20060111985 - Systems, methods and apparatus for content storage, auction and management: Systems, methods, and apparatus for content storage, auction, and management is described. In an implementation, a method includes auctioning storage space on a client as available, for purchase, to a plurality of potential purchasers. Purchasing information received form the plurality of potential purchasers is processed to determine which of the...

20060111989 - Inventory tracking and accounting system and method: A system and method track inventory composed of a plurality of items is provided. The system and method includes the steps of establishing ownership of a first number of the items by a first owner, establishing ownership of a second number of the items by a second owner, disposing of...

20060111990 - Payroll processor system and method: A system and method for payroll processing. In one embodiment, the system includes a first database, a second database, and a processor operably connected to the first and second databases. The first database contains information about an employer, and the second database contains a PDF template. The processor is operable...

20060111992 - Bankruptcy relief calculator: Bankruptcy relief calculator. A calculation program can make a relatively objective determination as to whether to file for relief from a bankruptcy stay relative to a particular account and associated collateral. Using historical statistics on bankruptcy filings as well as information about the collateral and depreciation of the collateral, the...

20060111991 - Confindential information sharing system: Improved confidential information sharing systems, including a first plurality of data collection units (108), each collecting confidential data regarding a second plurality of individual entities, a third plurality of data consumer units which intermittently require confidential data collected by ones of the first plurality of data collection units regarding ones...

20060111995 - Interface between seller and buyer in seller-financed mortgages for property located in a different country from the buyer: A method of providing a useful and novel interface between a buyer and a seller of a property that is seller-financed with at least one of these entities being located in a geographically different location from the property. Through this interface the seller is guaranteed prompt payments and the buyer...

20060111999 - Method and system for securitizing a currency related commodity: Systems and methods for providing a tradable (e.g., exchange-listed) instrument by securitizing foreign currency using a foreign currency trust or other special-purpose vehicle that is established to hold one or more particular foreign currency and to issue foreign currency trust shares and/or receipts corresponding to the value of the foreign...

20060111996 - Program for alternative funding of employee and retiree benefits: An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or non-cancelable accident and health insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract or...

20060111994 - Set theory based portfolio organization: A method for organizing a portfolio of financial instruments with a computer comprising providing a first user interface for said portfolio of financial instruments; providing a second user interface for selecting a least one of said financial instruments of said portfolio to form a subset, said subset of said portfolio...

20060111997 - System and method for determining and administering an annuity with guaranteed minimum accumulation benefit: A computer-implemented method of calculating a value of a benefit for an annuity contract including a minimum contract accumulation value provision is disclosed. The method includes determining a current minimum contract accumulation value, determining a current value of the annuity contract investments, determining a predetermined reset percentage contained in the...

20060111998 - System for and method of variable annuity contract administration: A system for and method of variable annuity contract administration is provided. Each variable annuity contract includes a bonus investment credit percentage, withdrawal charge percentages less than or equal to the bonus investment credit percentage in all contract years, and level asset-based compensation to distributors. In accordance with the invention,...

20060111993 - System, method for deploying computing infrastructure, and method for identifying an impact of a business action on a financial performance of a company: A system (and method, and method for deploying computing infrastructure) for identifying the impact of a business action on a financial performance of a company, including performing a retrospective analysis of a plurality of example companies taking a business action, wherein the retrospective analysis is based on features of the...

20060112003 - Method and apparatus for holding an online live auction to combine features of both the internet and traditional, real world auctions: A method and apparatus are provided for conducting a live auction that combines various features of traditional and online auctions. According to one aspect of the present invention, the live auction includes a live, in-person auction component and a real-time online bidding environment component. Bidding information associated with an item...

20060112002 - Method and apparatus for managing data in a business to business environment: Shown is a method and apparatus of controlling a commercial environment. The environment comprises a plurality of traders, each of the traders included in at least one of a plurality of members, wherein the plurality of members defines a community. The method comprises the steps of, defining the community, defining...

20060112001 - Method and apparatus for online platforms for enabling a professional trader to provide a plurality of clients with real-time market timing guidance: A platform is provided that enables a professional trader to relay information for educational purposes about buying and selling assets using a color system (red, green, and yellow) represented by a small sphere located on the user's desktop. A central server is used to send information over the Internet necessary...

20060112004 - Method for providing an auction service using a tightly coupled multimedia conference in terminals and apparatus thereof: Disclosed is a method for providing an auction service to terminals using a tightly coupled multimedia conference and an apparatus thereof. The method includes determining participants who use the terminals and auction service session, deciding an auction policy composed of a membership policy and a media policy related to the...

20060112000 - Method of trading a financial instrument using stop-order quantity: A stop quantity order (SQO) on a market-traded instrument for a computerized trading system. An order to buy [sell] instrument X is an SQO if, in addition to a limit price, and a stop price, it also specifies a stop quantity SQ. It is triggered by either of the following...

20060112005 - Method for balancing the risk/reward structure for tranches in collateralized debt obligations: A structured finance transaction, such as an asset securitization, is disclosed which includes a method for balancing the risk reward structure in the transaction by providing an additional tranch of securities, Class X. The Class X tranch of securities, for example, may be amortizing senior secured securities that are used...

20060112006 - Audio/visual clips: This invention provides systems and methods that minimize or remove human intervention during the payment media handling process on the shop floor, in the back office and at the cash-in-transit place. By automating processes and providing physical, tamper evident secure means for transporting the payment media, it is possible to...

20060112007 - Count and login management: This invention provides systems and methods that minimize or remove human intervention during the payment media handling process on the shop floor, in the back office and at the cash-in-transit place. By automating processes and providing physical, tamper evident secure means for transporting the payment media, it is possible to...

20060112009 - Deferred compensation method: A method of deferring compensation. One or more initial payment dates over a period of time are selected on which a portion of compensation is to be paid. At least twelve months prior to each initial payment date, the initial payment date is rescheduled to a subsequent payment date at...

20060112010 - System and method for automated payment and adjustment processing: A system and method for automated adjustment processing using pre-configured sets of business rules is provided. The seller pre-configures a set of business rules for use in processing an adjustment for a specific buyer. The set of business rules may be variable for each buyer and/or globally set. When a...

20060112008 - System and method for funding a retirement account: According to one embodiment of the invention, a method comprises a plurality of operations. A first operation involves the computation of a total amount of purchases made using a payment card. Next, a percentage of the total amount of the purchases is computed and the monetary value is subsequently deposited...

20060112011 - Electronic banking system: An automated electronic banking system for initiating and automatically processing monetary transactions, includes initiating means for maintaining a transaction record and permitting a remotely located customer of a bank to selectively initiate a monetary transaction request for automated processing, a bank host server adapted for automatically receiving and processing the...

20060112012 - Supervisor program: A supervisor program (130) for monitoring a self-service terminal (10) executing a terminal application suite (70,80) is described herein. The supervisor program (130) comprises: an internal interface (132) for communicating with the terminal application suite (70,80) to collect supervisor information and at least one supervisor utility (150). Each supervisor utility...

20060112013 - Method and system for verifying check images: In one embodiment, example software is operable to determine a first hash value for an electronic check image, with the check image operable to generate an image replacement document. The hash value is associated with the electronic check image. The electronic check image and the associated hash value is communicated...

20060112014 - Bar-coded business card information capture and retrieval: A system and method store all the information, such as the name, title, telephone number, fax number, e-mail address, and the like, on the business card itself using a barcode, as opposed to an identification number of the card. The system and method do not require any link to any...

20060112015 - Method, system, and device for handling creation of derivative works and for adapting rights to derivative works: A method, system, and device for handling creation of derivative works and for assigning usage rights to the derivative works for enforcing usage rights associated with digital works, including detecting computer-related events that are indicative of manipulations of an original work for creating a derivative work; and maintaining a history...

20060112016 - Content usage management system method, and program providing medium therefor: When the encrypted content is provided from a service provider to a user device, a usage log including information of the content usage fee is created in the user device. The created usage log is then sent to the service provider. The service provider compares the content usage fee in...

20060112017 - System and method for auditing an electronic document trail: The subject invention is directed to a system and method for tracking the distribution and custody of a document. Glyph data, representing custody rules associated with an electronic document, is first generated and then associated with the electronic document, forming compound data. The compound data is then transmitted to a...

20060112020 - Generation and management of a rights context for order handling in technical processes: An apparatus, a method and a system arrangement are disclosed for executing an order from a user, in which it is necessary to check authorization to execute the order from the user. The authorization to execute the order is defined in a rights context. When the order is given by...

20060112018 - Synchronizing contents of removable storage devices with a multimedia network: Methods, systems, and engines are presented for synchronizing contents of removable storage devices with a multimedia network. In one implementation, a change in status of a connection between a removable storage device and a multimedia network is detected. A network inventory list of recordings is updated, triggered by the change...

20060112019 - System and method of authenticating licensed computer programs: A system and method for authorizing access to programs and data on a computer system is disclosed. A license table contains entries for identifying programs that are authorized to be run on the computer system. The license table is stored in an area of the computer's hard disk that is...

20060112021 - Printing apparatus, control method thereof, and recording medium: A printing apparatus includes a generating unit generating first authentication information corresponding to inputted print data on the basis of predetermined information; a storage unit storing the first authentication information and the print data; an input accepting unit accepting an input of second authentication information; and a control unit determining,...

20060112022 - Method of preparing a service agreement: The present invention provides an efficient and simple method of preparing a product quote for a customer operating a technical installation. The product quote is based on a data set acquired during the operation of the installation, a product chosen for use with the installation and a customer benefit related...

20060112023 - Cubing apparatus and methods: The invention provides dimensional weighing apparatus (5) that may e.g. be placed transparently between the weighing scales (3) and POS terminal (4) of e.g. a postal outlet so as to provide dimensional weighing of a parcel (2). The apparatus (5) senses the parcel height with a sensor (10), and senses...

20060112024 - Use of machine readable code to print the return address: A system for returning a mailpiece to a sender without a human readable return address on the mailpiece. The system includes a device adapted to generate a machine-readable code to be printed on the mailpiece. The machine-readable code includes a return address for the sender. A scanning device is used...

20060106637 - Business system decisioning framework: A business system decisioning framework for using and interacting with a business system transfer function is presented. The framework includes a high-level business system transfer function that quantitatively describes the operation of the business system. A primary display layer presents a representation of the status of the operation of the...

20060106628 - Centralized system and method for notifying occupant of completion of home showing: Methods and systems for facilitating sale of a home in which an occupant is absent are provided. A resident communications system is installed at the home. Upon completion of a showing at the home by a real estate agent, a signal is transmitted from the resident communication system. The signal...

20060106621 - Cipher information-containing material, its identifying method, and its identifying system: A material for preventing forgery and false alteration. The material comprises a particulate information presenting substance. The information presenting substance is one or more elements, a compound of two or more elements, or a substance containing the elements or compounds. The fluorescence emitted from the substance is different depending on...

20060106635 - Emission remediation: An emission remediation system and methods are disclosed. An emission remediation indicator associated with an emission-related activity is vended. At least a portion of proceeds from the vending of remediation indicators is aggregated into a fund. A remediation activity by an emission producer is funded using the aggregate fund....

20060106627 - Integrated idea management method and software with protection mechanism: An idea management system for a company or other entity is implemented in a computer network that can be accessed from employee work sites. The system has a pre-defined workflow and built in security process. Submitters of ideas and those authorized to review the submission are electronically notified about the...

20060106623 - Interactive printed page optical code data access system and method: An interactive wide area computer network system and method for accessing and transmitting data using a printed page optical code. The code includes a system configuration mode identifier which configures the system to perform specified functions and allow the user certain interactive options. Based of the configuration mode and the...

20060106636 - Internet-based job placement system for creating proposals for screened and pre-qualified participants: The present automated job placement system uses a multi-step process, with advanced screening and pre-qualification of candidates and positions, to match qualified prospective employees with job openings. The system supports two types of participant match processes that involve participants acting simultaneously. One match process involves prospective employees offering proposals for...

20060106626 - Method and apparatus of model driven business solution monitoring and control: A model-driven approach is used in Business Solution Monitoring and Control environment. The solution is first described by the high level abstract Platform Independent Model (PIM), which is independent from platform and implementation technologies. This PIM is presented as a Directed Acyclic Graph (DAG) that is constructed by a series...

20060106632 - Method and system for financing home ownership: A method and system of financing real estate ownership involving forming a title holder entity to own equity in each property, forming a pooling entity to own most of the title holding entity, the pooling entity owned by the general public directly or through equity pools, screening applicants to determine...

20060106622 - Method for obtaining traffic information using billing information of mobile terminal: The present invention relates to a method for obtaining traffic information using the billing information of a mobile terminal. A specified number of a mobile terminal is obtained from billing information necessary for performing a billing operation when a telephone call is made using the mobile terminal on a highway...

20060106633 - Real-time online commerce system: A real-tine online commerce system is disclosed. Such a system provides protection and security for the middleman and efficiency for the customer while keeping the ultimate manufacturer invisible and anonymous....

20060106629 - Record transfer: Record transfer is described herein. The record transfer may include receiving a request over a network from a record owner to transfer a record from a record holder to a recipient. In one embodiment, the request is sent over the network to the record holder. A first version of the...

20060106631 - Social preference and occupation tag system: A system and method to create and define a universally identifiable icon which may be employed by a individual as a way to visually display one's interest in having a specific social relationship, whether it be romantic or platonic in nature, by means of displaying one's common interest, participation, affiliation...

20060106625 - System and method for coordinating real estate transactions through a global communications network: A system and method to facilitate real estate transactions over a global communications network. The system includes a listings database to store information of real estate to be sold, a registration module to obtain qualifying information from a potential buyer, a system processing module to qualify a potential buyer to...

20060106638 - System and method for defining occupational-specific skills associated with job posistions: A method includes identifying a plurality of tasks associated with at least one type of work. The method also includes grouping the plurality of tasks into one or more groups. Each group includes at least one of the identified tasks. The method further includes identifying, for each of the one...

20060106624 - System and method for providing home remodeling services: A system for providing home remodeling comprising at least one computer connected to a network, and at least one database connected to the network, wherein the at least one database comprises approved contractors, approved homeowners, projects submitted by the approved homeowners, and bids for projects, wherein the bids are placed...

20060106634 - System and method of vehicle upfit: A vehicle upfit configurator tool is made available to customers purchasing one or more of a vehicle upfit and an upfitted vehicle. Also, human assistance relating to use of the configurator tool is made available to the customers. Further, one or more of vehicles, vehicle upfitting components, and vehicle upfitting...

20060106630 - Utilization of visual auxiliary inspection devices for vehicle servicing system and method: A utilization of visual auxiliary inspection devices for vehicle servicing system and method, with an image take-up and recorder sensing head of a visual inspection device to display the image on a liquid crystal display, capable of using a digital multimedia audiovisual storage facility and the Internet or directly providing...

20060106640 - Medical credit assurance method: A business method that provides for payment of medical expenses for members of an association, comprising, establishing contractual agreements between the association and a multiplicity of medical service providers that are obligated to provide medical services to members of the association at rates that are pre-negotiated or otherwise agreed to...

20060106643 - On-line subscription system and method: A system and a method of providing on-line subscription services from a subscription server to a user of a mobile terminal through the Internet. The subscription server receives from the mobile terminal user-specific information relating to the user's mobile terminal capabilities, the user's preferences of products, and the user's financial...

20060106641 - Portable task management system for healthcare and other uses: A mobile monitoring and communication system integrates communication services (text, voice, video, and data) with medical information (e.g., patient medical record, patient demographics, reason for procedure, workflow information, etc.) within a radiology department, for example. A medical information system for use with portable processing devices involves a portable processing device...

20060106639 - System and method for providing pharmaceutical data in a secure and affordable manner: A system and method for evaluating the performance of a first at least one of a plurality of outlets is provided. The system includes a computer system configured to execute a data access application, wherein the data access application includes a plurality of user accounts, wherein each of the plurality...

20060106642 - Systems and methods for matching, naming, and displaying medical images: A method of matching medical images according to user-defined matches rules. In one embodiment, the matched medical images are displayed according user-defined display rules such that the matched medical images may be visually compared in manner that is suitable to the viewer's viewing preferences....

20060106648 - Intelligent patient context system for healthcare and other fields: An intelligent patient context sharing system enables a user, interfacing with multiple, different sources each storing patient specific context information, to create probabilistic associations among the patient specific context information. The system includes a predictive identification processor and a communication processor. The predictive identification processor performs probabilistic matching on multiple...

20060106646 - Medical kiosk with multiple input sources: A method of creating or updating a personal information device includes entering patient identification information, medical history information, current patient care plan, and patient medical preference information onto a computer (88). The patient identification information, medical history information, current patient care plan, and patient medical preference information is written or...

20060106647 - Method and apparatus for determining pharmacy order parameters based on patient context data: A health care information system includes an information database and a pharmacy module. The information database is adapted to store a record for a patient including patient context data. The pharmacy module is adapted to receive a pharmacy order for the patient, retrieve the patient context data from the record...

20060106649 - Method for programming a patient care device: The present invention is directed to a system and method for providing care to a patient, comprising a patient care device having a number of configuration databases stored in a memory in the device. Each configuration database preferably includes protocols, operating limits, rule sets and/or operating features that collectively define...

20060106644 - Patient referral and physician-to-physician marketing method and system: A method and apparatus are provided for creating a referral network for member physicians utilizing the Internet. The referral network provides its members an organized and efficient system for generating and storing patient referrals. To become a member of the referral network, a physician registers with the referral network web...

20060106645 - System and methods for tracking medical encounters: A method for tracking a patient's medical encounters includes storing a record identifying the patient in a database, receiving notification of a medical encounter between the patient and a healthcare provider, adding encounter information to the record to generate an updated record, and storing the updated record. The method also...

20060106652 - Graphic driven moving personal property tracking system and method: A graphic driven moving personal property tracking system that enables the company to monitor and track its customer's personal property during transport and to identify the various parties in the chain of custody. The system uses a hand held device that enables the packing company to accurately inventory and record...

20060106651 - Insurance claim monitoring: Automated generation and output of customized reports based on the insurance claim records of insured persons. Insurance carriers can automatically obtain customized reports for use in monitoring insured persons' insurance claim records for previously-unavailable claim information. Each insured person can be insured on a recently-executed insurance policy of an insurance...

20060106650 - Insurance claim payment card system: A system for the adjudication of insurance claims, such as automobile repair claims, by an insurance provider is provided. A claim submitted by a policyholder is received is received by the insurance provider. The claim is assigned to an insurance adjuster. The insurance provider receives a determination of a dollar...

20060106653 - Reimbursement claim processing simulation and optimization system for healthcare and other use: A system permits a healthcare provider to perform flexible, efficient, and timely multiple analyses of managed care organization (MCO) contracts, over a large database of historical information, to provide associated profitability information. An interface processor receives data representing multiple, different financial claims for reimbursement based on multiple, different predetermined reimbursement...

20060106654 - System and method for coordinating travel itineraries: The methods and systems for coordinating the travel itineraries of multiple travelers, who are leaving from more than one origin location, but are arriving at the same destination location, provide automated techniques for determining which itineraries for each traveler best meets the specified criteria for the trip. For example, a...

20060106655 - System and method for coordinating travel itineraries: A method for coordinating outbound and inbound itineraries for a plurality of travelers is provided. Such a method comprises receiving a destination location, a plurality of origin locations, and travel information, wherein each origin location is associated with at least one traveler. A set of suggested outbound and inbound itineraries...

20060106658 - Activity based cost modeling: A computer system, computer-readable medium and a method for performing activity based cost modeling. A cost object array has dimensions defined by weight arrays each corresponding to facets of the business by which one would assess profitability and efficiency, such as by products and customers. Each element of the...

20060106656 - Method and computer program for field spectrum optimization: In a planning model, a decision variable optimization process (200) generates a planning function (122) describing the planning model, the planning function (122) depending upon a set of decision variables (125). The planning function (122) is separated into independent planning functions, SPi, each of which depend upon different decision variables...

20060106659 - System and method for monitoring and analyzing data trends of interest within an organization: A system and method for identifying, monitoring, and analyzing various trends and patterns of interest within an organization in order to maximize aspects thereof, including, for example, productivity, efficiency, and employee health and safety. The invention utilizes a centralized data repository to accessibly store and maintain data; date gap analysis...

20060106657 - Systems and methods for estimating costs and characteristics of enterprise training facilities: A training enterprise cost estimating system and method to automatically provide an optimized estimate in response to user provided inputs. A user enters enterprise related parameters including types of tasks, types of vehicles, types of simulators, costs, and optimization priorities. The user can carry out simulations of the proposed training...

20060106661 - Methods and apparatus for project schedule estimation: One embodiment of the invention is directed to automatically extending a task in a project schedule. If certain information items associated with a task are not specified, the scheduled completion time for a task may be automatically extended under the assumption that if these information items are unknown, the task...

20060106662 - Rendering variable data at a point-of-purchase: A method according to an embodiment is used to render materials at a rendering station. In an embodiment, a job production subsystem may receive campaign data, which defines a promotional campaign, and generate multiple job documents, based on the campaign data. At least some of the multiple job documents identify...

20060106660 - Route input system: A software-enabled Route Input System (RIS) process facilitates consistent communication among the various entities involved in route creation, where the entities have different tasks and objectives. The primary teams are the process flow definers (IE), individual process owners (PE) and the execution team that assembles the process steps into a...

20060106663 - Workflow management device: A workflow management apparatus includes a circulation destination specification unit 14 for managing a status of circulation of an electronic document registered by a registration unit 12, and for specifying a next person to whom the electronic document is to be circulated for the next time with reference to workflow...

20060106665 - Computer-based analysis of affiliate web site performance: A performance analysis engine analyzes the performance of affiliate web sites that provide links to specific items in an electronic catalog, and identifies catalog items that can be listed by such affiliate web sites to improve performance. An association mining component analyzes transaction data attributable to specific categories or types...

20060106669 - Estimating base sales volume using a low-pass filter approach: Within each iteration of an iterative process: (1) a low-pass filter is applied to an actual sales volumes series to extract low frequency components representing a base sales volume series for the iteration; and (2) a locally optimal base sales volume series is determined. A globally optimal base sales volume...

20060106668 - Method for creating an on-line leads marketplace: A method is presented for obtaining and selling contact information electronically. The method comprises obtaining contact information from visitors to web sites sponsored in pay-per-click links and automatically categorizing the contact information based on the keywords used to get the pay-per-click link. The system further comprises including additional leads for...

20060106666 - Method, system, and storage medium for implementing a multi-stage, multi-classification sales opportunity modeling system: A method for implementing a multi-stage, multi-classification sales opportunity modeling system. The method includes receiving operational data relating to past sales activities and receiving parameters identified as being relevant in determining a likelihood of whether exploitation of a sales opportunity will be successful. The method also includes generating a multi-stage...

20060106667 - System and method for determining compatibility: A system and method for generating an indication of compatibility between individuals and groups includes accessing first response data from a first user as well as desired first response data from the first user. A first weighing factor is associated with each of the desired first response data. Second response...

20060106664 - Workflow management device: A method, system, and storage medium for developing a forecast of goods or services. The method includes identifying current or previous goods or services that have characteristics similar to those of a new or replacement good or service to be forecasted. The method further includes obtaining delivery data associated with...

20060106671 - Road roll collection system: A road toll collection system includes a vehicle device for the vehicle-autonomous determination of a road toll for a vehicle within a use billing area. Data required for determining the road toll are transmitted, when required, from an operator control center to the vehicle device by means of a communications...

20060106670 - System and method for interactively and progressively determining customer satisfaction within a networked community: A method and system for interactively and progressively processing and determining customer satisfaction from data gathered within an online community comprises of a group of participants connected via a computer network such as the Internet. A customer satisfaction and experience processing system comprises a participant or user interface (“front interface”),...

20060106672 - Method for distributing dynamic liink bandwith for resilient packet ring: The invention discloses a method for dynamically allocating link bandwidth on resilient packet ring. This algorithm comprises the steps of measuring a group of variables in one advertisement interval, calculating the local fair rate using the measured variables, determining an advertising rate based on the local fair rate, and transmitting...

20060106673 - Method of collecting, qualifying and distributing customer leads resulting in increased rate of return on marketing investment: The present invention relates to a turnkey system that gathers, qualifies and distributes customer lead information to manufacturer dealers and retailers resulting in an increased rate of return on investment for a marketing campaign. The method comprises at least three steps for collecting, qualifying, and delivering customer leads to retailers...

20060106674 - Mobile shopping method and application: A system and method for crediting fees and commissions for the use by customers of mobile phones to search for product information directly from merchants or indirectly through product information aggregators. Further it provides for crediting fees and commissions for sending product identification to other customer's mobile phones. It supports...

20060106677 - Data distribution system and data selling apparatus therefor, data retrieving apparatus, duplicated data detecting system, and data reproduction apparatus: A data distribution system includes a plurality of data sources each capable of transmitting a data item, and a data vending machine capable of receiving the data item from the plurality of data sources and selling the received data item to a user. The data vending machine includes a data...

20060106681 - Method and system of facilitating on-line shopping using a control object and a predetermined site: A method of modifying an Internet browser interface to provide shopping assistant functionality facilitating on-line shopping at a supported merchant Internet site. A wallet created in accordance with the present invention comprises a database having various user data stored therein under certain predetermined field names. A supported merchant data file...

20060106680 - Method and system of facilitating on-line shopping using a downloadable toolbar: A method of modifying an Internet browser interface to provide shopping assistant functionality facilitating on-line shopping at a supported merchant Internet site. A wallet created in accordance with the present invention comprises a database having various user data stored therein under certain predetermined field names. A supported merchant data file...

20060106676 - Process for ordering a selection in advance, digital system and jukebox for embodiment of the process: This invention relates to a process for ordering a selection in advance, characterized in that it includes a step in which a menu is displayed followed by a selection in this menu, to make specific requests and particularly: a step displaying the event for which the advance order of a...

20060106675 - Providing an electronic marketplace to facilitate human performance of programmatically submitted tasks: A method, system, and computer-readable medium is described for facilitating interactions between task requesters who have tasks that are available to be performed and task performers who are available to perform tasks. In some situations, the tasks to be performed are human performance tasks that use cognitive and other mental...

20060106678 - Systems and methods for providing transferable item prices: Systems and methods are provided to associate a transferable item price with a first consumer and to determine that a second consumer is entitled to purchase an item in exchange for payment of an amount based on the transferable item price. In one embodiment, the first consumer arranges to purchase...

20060106679 - Telecommunications initiated data fulfillment system: A system for providing a wide range of telecommunications initiated data fulfillment services in which a multi-function code, such as “*#” (star, pound), input into an originating telecommunications device, such as a conventional land-line or wireless telephone, triggers the treatment of the input sequence as a multi-function code service request...

20060106683 - Customer specific catalogs based on a set of standart catalogs: Generating and/or managing customer specific catalogs based on a set of standard catalogs are described. In one aspect, a catalog is generated or managed in view of a catalog schema data structure. The catalog schema data structure includes a first table The first table includes first, second, and third data...

20060106682 - Web based configuration tool: A method and system for product configuration is provided. The system includes, a user interface that allows a user to configure a product; a web-based application that interfaces with the user interface, a data collector module and a view creation module allowing a user to configure the product; and a...

20060106684 - Cargo distribution management system, palette management system, and computer-readable storage medium and program used for them: This invention provides a cargo distribution management system, a pallet management system, and a computer readable recording medium capable of facilitating reducing time required for distribution using containers by marine transport or the like, acquiring information for time reduction, and decreasing distribution cost. A cargo distribution management system program executed...

20060106685 - Generating system for automatically generating the bill of materials for electrical products: A generating system of automatically generating electrical type product bill of materials of the present invention comprises a stock number grouping database, a stock number ranking database, and a bill of materials automatically generating processing program. The stock number grouping database comprises at least one material group records comprising at...

20060106686 - Audit procedures and audit steps: An audit system includes a library of controls adapted to mitigate risks. A library of audit procedures is associated with the set of risk controls. Each audit procedure includes one or more actions that evaluate the effectiveness of an associated control. The audit system includes project templates for performing audit...

20060106687 - Modified cash-basis specifications and grid: A method of automatically converting from accrual based accounting to cash basis accounting using a computer is disclosed. The method may include reviewing an entry in a general ledger, determining whether an entry in the general ledger is for a transaction between general ledger accounts that are treated differently in...

20060106688 - Program interface for a business management application and an accounting application: A program interface which provides access from a business management application to an accounting application to share account information. As described in illustrative embodiments, the system includes an interface module to instantiate and invoke an interface from the business management application to generate an accounting record from an opportunity or...

20060106689 - Method and apparatus for documenting a contribution of a remotely accessed computing resource to a recipient organization: A method and apparatus for documenting for tax purposes a contribution of a remotely accessed computing resource (such as a CPU resource) on a donor system that is allocated by an owner of the resource to one or more recipient organizations. A central management organization (CMO) receives a selection by...

20060106696 - Account transfer using a single financial account: Provided is a method for transferring a single, integrated financial account from one financial institution. A balance of the integrated account is determined by withdrawals and deposits regardless of to which un-integrated account a particular withdrawal or deposit corresponds. When a customer transfers the account, a complete account history is...

20060106706 - Apparatus and method for document processing: A computer-based hosted service for the standardization and implementation of holistic mortgage finance transactions is disclosed. The computer-based service allows a participant in the finance transaction to combine all required loan information for a given loan program into a single universal document library, coupled with the required forms, rules, database...

20060106705 - Computer method and apparatus for optimizing portfolios of multiple participants: Computer technology for substantially optimizing portfolios of multiple participants is disclosed. Preferably the portfolios of such multiple participants comprise fixed income instruments. The disclosed systems and methods include using at least one computer system for storing digital data representing portfolio holdings of multiple parties and, in particular, for each participant...

20060106701 - Global remittance platform: The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The invention allows access to the remittance program by both account holders with the enterprise and persons who do not have...

20060106700 - Investment analysis and reporting system and method: A method and system for analyzing and reporting institutional investments provides a single platform for daily investment accounting, compliance, performance, and risk reports for investment portfolios held at single or multiple custody/safekeeping locations. The method involves retrieving transaction data from multiple independent financial institutions and storing it in a database...

20060106690 - Lender evaluation system: An automated system and method for evaluating and auditing lenders and loan portfolios is described. This lender evaluation system is user friendly and increases auditors' productivity by, among other things, gathering all necessary information in a readily accessible electronic location. The lender evaluation system, and associated methods, further reduce the...

20060106702 - Method and apparatus for extracting and visualizing execution patterns from web services: One embodiment of the present method and apparatus for extracting and visualizing execution patterns from Web Services collects data relating to one or more transactions executed in accordance with one or more Web Services-based applications (e.g., messaging systems or other services). One or more patterns is then extracted from the...

20060106698 - Method for providing retirement income using mutual fund longevity insurance: A method for providing retirement income using mutual fund longevity insurance is provided. A current or prospective retiree can purchase a mutual fund coupled with a longevity product. The longevity product insures against the early exhaustion or termination of the mutual fund, superannuation, or poor market performance of the mutual...

20060106691 - Methods and system for providing multiple credit lines: A method and system for applying for and providing an access device, whereby an applicant completes a multipurpose access device application that is reviewed under qualification processes established by multiple access device providers acting in cooperation with each other. Upon a positive result from the review, a linked account is...

20060106692 - Proprietary point of purchase resource: The present invention allows consumers to perform various financial transactions from a single source. Consumers fill out an application and are pre-approved for a variety of financial services. The consumer is provided with a smart card, which is embedded with information about the consumer and all the services for which...

20060106695 - Real-time credit rating using a single financial account: Provided is a real-time method for calculating a credit report based upon information associated with a single, integrated financial account. The account has an associated balance based upon deposits and withdrawals, regardless of the type of transaction that generated a particular deposit or withdrawal. An account history is maintained and...

20060106703 - System and method for aggregate portfolio client support: As system for facilitating client and advisor communications which may include a port to an aggregate database of a client's holdings and profile. When servicing or analyzing a client's financial needs, a financial advisor at a call center or other facility may be presented with a screen displaying some or...

20060106699 - System and method for conducting secure commercial order transactions: The inventive system and method enable secure remote commercial order transactions between customers and merchants. The inventive system and method ensure that customer entire confidential financial data (CFD) is never transmitted to the merchant by keeping that CFD proprietary to the customer's exiting financial service provider (FSP) with which the...

20060106697 - Systems and methods for network-based design submission and selection: In a computer network, a client accesses a management services network and submits a request for a design project. Through the management services network, the client views portfolios showing various work products created by designers associated with the management services network. The client then selects designers, based on the design...

20060106704 - Transaction signature: The present invention provides systems and methods for protecting transaction information stored in a database of a gaming network. To accomplish this, a transaction signature is generated each time the user completes a transaction on a gaming machine. The transaction signature is generated using transaction information from a particular transaction....

20060106694 - Transfer of deposit and debit subscriptions using a single financial account: Provided is a method for transferring automatic debit and deposit transactions from an account at one financial institution to another account at another financial institution. When the account is opened, the old financial institution forwards the request for payment or deposit to the new financial institution. The new institution sends...

20060106693 - Unified banking services via a single financial account: Provided is an integrated financial account that encompasses all types of transactions. The balance of the account is determined by withdrawals and deposits regardless of the type of transaction to which the withdrawal or deposit corresponds. If a debt is presented, the net balance of the account is adjusted downward...

20060106712 - Method and apparatus for online buyer oriented reverse auction system: Methods and apparatus are described for facilitating transactions between a plurality of buyers and a plurality of sellers via the Internet. Product information relating to a plurality of products meeting product criteria specified by a group of buyers is presented via the Internet. Buyers place requests for products at desired...

20060106713 - Method and system for providing an automated auction for internalization and complex orders in a hybrid trading system: A method of providing an automated auction for internalization for the purchase or sale of securities or derivatives in an exchange is disclosed. The method may include receiving an order at an electronic trade engine, disseminating a request for price message to at least one user in response to receiving...

20060106707 - Method and system for trading derivatives: A computer-based system provides a synthetic Contract for Difference (CFD) trading exchange that has the ability to link and replicate the order flow of corresponding underlying commodity markets into derivative CFDs and also link and replicate the CFD order flow into the underlying commodity markets in underlying non-derivative form, all...

20060106711 - Reverse billing in online search: There is disclosed reverse billing in online search. A telephony server may receive a request from a user to cause a telephone call to be established between the user and a merchant. A notice to the merchant may be generated. The notice may include an offer to establish a telephone...

20060106708 - System and method for processing matched trades: A system for reporting and processing a matched trade from a market in response to orders submitted by traders includes a management subsystem for developing configuration data regarding products that are to be traded and traders who are authorized to trade. The system further includes a trade processing subsystem for...

20060106709 - Systems and methods for allocating placement of content items on a rendered page based upon bid value: Systems and methods for determining the value of bids placed by content providers for placement positions on a page, e.g., a web page, rendered according to a given context, for instance, the search results listing for a particular query initiated on a search engine web site, are provided. Additionally, systems...

20060106710 - Systems and methods for determining relative placement of content items on a rendered page: Systems and methods for determining the value of bids placed by content providers for placement positions on a page, e.g., a web page, rendered according to a given context, for instance, the search results listing for