Data processing: financial, business practice, management, or cost/price determination inventions 09/06

20060212304 - Automated item forwarding system and method: Rental items are directly forwarded from customer to custom using a method whereby a supplier's computer communicates with a postal computer via an electronic link when an item identified with a unique machine readable code is returned by a customer to the postal service and identified with the code, the...

20060212299 - Crm office integration: The method and system claimed recognizes phrases or segments within an electronic document, where the phrase or segment acts to trigger a function call to a sever component that connects to a CRM system or a CRM database and retrieves relevant information relating to and based on the recognized phrase....

20060212301 - Entity property management: Methods and data structures for the management of a data entity during an entity lifecycle. An entity having a property and at least one operation having a property characteristic are defined. The operation may be performed on the property according to the characteristic. An entity lifecycle having the at least...

20060212306 - Handheld medical waste sorting device: A system for disposing of medical waste is generally configured to sort waste items into a plurality of containers according to applicable rules and regulations governing the handling and/or disposal of such items. In some embodiments, a system comprises sorting stations each of which houses a number of disposable containers....

20060212307 - Handheld medical waste sorting method: A system for disposing of medical waste is generally configured to sort waste items into a plurality of containers according to applicable rules and regulations governing the handling and/or disposal of such items. In some embodiments, a system comprises sorting stations each of which houses a number of disposable containers....

20060212308 - Information posting system and information posting method: An information presentation system 1 comprises a user information DB 9 storing a telephone number of each user terminal and user attribute information in association with each other, a gateway 11 for acquiring an access address URL and a telephone number with reception of an access request for access to...

20060212305 - Method and apparatus for ranking candidates using connection information provided by candidates: A method and apparatus for permitting candidates to connect with a company to enhance their potential ranking is provided. Preferably, the method includes steps of and/or the apparatus performs steps of assisting candidates to contact employees of a company, either directly or via non-employee referrals, to obtain referrals to the...

20060212309 - Method for determining the best day of the week for a recipient to receive a mail piece: A computer method that determines the best day of the week for a recipient to receive a mail piece that is part of a mailing campaign. The method includes by applying a unique code to each mail piece in the mailing; tracking the mail piece to determine when the mail...

20060212310 - Methods to finance, acquire, register, manage and lease aircraft with increased liability protection and wireless connectivity: The embodiments relate to methods to buy, inspect, finance, structure and manage aircraft begins by firt identifying and aircraft to purchase. After inspection of the aircraft, financing for procurement of the aircraft is exchanged. The method then calls for purchasing the aircraft followed by registering the aircraft with the proper...

20060212302 - System and method for a user interface in an ip management system: There is disclosed various embodiments of methods and apparatus for organizing information related to intellectual property wherein such related information includes personnel, messages, docket items, information disclosure documents and matters associated with intellectual property assets. Access to the intellectual property information is provided by providing a first graphical user interface...

20060212303 - System and method for litigation risk management: A method for corporate litigation risk management for managing claims and legal actions including: forming a team including a managing attorney, a business owner, and an outside counsel for managing the claim or legal action, where the team forming step occurs within three days of notice of the claim or...

20060212300 - System and method for providing vehicle information from a telematics window sticker: A method of receiving vehicle sales information at a telematics unit in a vehicle via a wireless connection from a control node includes receiving a trigger input at the telematics unit and providing the vehicle sales information to a local customer responsive to the received trigger input....

20060212313 - Account administration plans and systems: A computer system for facilitating payments from an account according to particular embodiments of the invention is adapted for: (1) facilitating the transmission, to a plan service provider, of a first set of documentation of a first payment that would potentially qualify for reimbursement from the account; (2) receiving, from...

20060212315 - Automated system and method for health care administration: An information collection and processing system and related automated method for use by an organization providing health care to a given population. The system includes an arrangement for storing information relating to a plurality of contractual relationships existing between the organization, a plurality of health care providers, and a plurality...

20060212311 - Class of medications is proposed, named rphx®: The invention is based on creating a new Class of medication to be a transitional class between Rx Medication and OTC Medication. The new Class is to be named RPhX, and is primarily authorized and dispensed by a pharmacist. As the patient requests an item in the RPhX class, a...

20060212312 - Healthcare notification system: Methods and apparatus enabling organizations with a need to communicate with healthcare providers regarding health-related issues affecting patient health to notify healthcare providers of a health-related issue affecting patient health are disclosed. An electronic notification of the health-related issue is transmitted by one of the organizations to a healthcare notification...

20060212314 - Integrated response system: A system for reminding a patient of their doctor's instructions. In the preferred embodiment, the initial data entry is a fax from the doctor's office. The system receives the fax in a fax server and uses an image processor to extract relevant information. The relevant information is sent to a...

20060212317 - Mammography operational management system and method: In accordance with one embodiment of the present invention, a method in a computer system is provided for managing mammography examination information. The method includes receiving electronically personal information of a patient, such as name, demographic information, and insurance information. Next, digital mammography images of the patient are produced by...

20060212316 - Monitoring and feedback wireless medical system and method: A system and method are provided for obtaining medical data from a user, analyzing it and providing a feedback message. Existing home medical devices are connected to a data translation device which transmits the data to a cellular phone. The cellular phone transmits the data to a server where it...

20060212318 - Systems & methods for pharmacy reimbursement claim resubmission: Systems, and methods for reimbursing prescription fulfillment that includes identifying a drug associated with a claim submitted by a pharmacy for reimbursement by a payer (e.g., insurance carrier) and identifying a change in a manufacturer set price associated with the drug. The invention includes monitoring reimbursed claims received from at...

20060212319 - Device, system, method, and computer program product for providing customized travel information: A device, system, method, and computer program product enable a traveler to generate customized travel information corresponding to a travel profile, and download the customized travel information to a portable data storage device for ease of viewing the information while traveling. A portable data storage device comprises an interface element...

20060212320 - System and method for travel carrier contract management and optimization: A method and system for air carrier contract management and optimization is disclosed. In particular, the present invention receives and tracks client travel data and air carrier contract data, analyzes this data and configures the data structure to be used in a goal programming algorithm to determine an optimum travel...

20060212321 - System for corporate travel planning and management: A client-server system for corporate travel planning, expense reporting and travel management that utilizes a corporate database server to enable accurate and timely pre-travel and post-travel decision making that is fed by a travel planning process and an expense reporting process, plus a SABRE data feed of all booked data...

20060212322 - Method and system for purchasing collections of air travel passes: A method and system for providing a collection of air travel segments and associated travel terms to a user. Different collections of air travel segments are provided to a user. The user selects a collection. The user also selects travel terms including the number of air travel segments to be...

20060212324 - Graphical representation of organization actions: A system for graphically representing an organization action includes a communication interface and a processor. The communications interface receives communication messages between an application arid a server. The processor processes the communication messages to determine organization actions performed in the application. The processor also determines at least one metric of...

20060212325 - Method and computer program product for evaluating a project: A method and computer program product, for evaluating a project, the method includes: receiving task timing information and task relationship information; locating at least one hidden critical path; and estimating a robustness of the project in response to at one characteristic of the at least one hidden critical path....

20060212326 - Method for predicting call center volumes: A computer method that is used to predict when recipients of mail pieces will contact a call center in response to information contained in the mail pieces. The method involves, utilizing previous mailing campaign data to determine when the mail piece arrives in the home and when a call center...

20060212323 - Production management system: A system is provided that can reset a production schedule in accordance with a change caused in a production This system optionally displays, when a demand from a customers is changed and product order receiving conditions are changed, component procurement conditions required to receive the change of the demand to...

20060212329 - Consolidated management of administrative tasks in an aynchronous, multi-application environment: The systems, methods, and data structure described herein relates to the consolidated management of administrative tasks in an asynchronous, multi-application environment. An information technology (IT) system management application is configured to manage administrative tasks for multiple work centers. Processes associated with the administrative tasks are initiated on the work centers...

20060212328 - Integrated market research management and optimization system: A market research management and optimization system includes a plurality of geographically dispersed market research centers and a centralized computer management system, accessible via a single client interface, for coordinating the plurality of geographically dispersed market research centers and human capital requirements in order to conduct research exercises in the...

20060212327 - Methods and apparatus for associating and displaying project planning and management information in conjunction with geographic information: Systems and techniques for entry and presentation of project planning information, showing activities in their geographic context. Information relating to activities and groupings of activities is entered, updated and presented. Information associated with one or more groupings of activities is associated with a graphical icon, with the appearance of the...

20060212335 - Methods and systems for mass data handling in a preference processing context: Methods and systems are provided for generating vendor declaration requests in a trade preference processing context. In one implementation, an electronic database is utilized that contains at least one of purchase order data sets and goods receipt data sets that include information about vendors and about goods purchased from the...

20060212330 - Network based processing of calendar meeting requests: A meeting request is created by one of a group of users having respective electronic calendars maintained by calendar applications on a communications network and is processed before being forwarded to any of the users invited to the requested meeting. The processing occurs through interaction between the calendar applications of...

20060212334 - On-demand compute environment: An on-demand compute environment comprises a plurality of nodes within an on-demand compute environment available for provisioning and a slave management module operating on a dedicated node within the on-demand compute environment, wherein upon instructions from a master management module at a local compute environment, the slave management module modifies...

20060212333 - Reserving resources in an on-demand compute environment from a local compute environment: Disclosed is an on-demand system and method for managing resources in an on-demand compute environment from a local compute environment. The method comprises receiving information at a local resource broker that is associated with resources within an on-demand compute environment, based on the information, communicating instructions from the local resource...

20060212332 - Simple integration of on-demand compute environment: Disclosed are a system and method of integrating an on demand compute environment into a local compute environment. The method comprises receiving a request from an administrator to integrate an on demand compute environment into a local compute environment and, in response to the request, automatically integrating local compute environment...

20060212331 - System and method for work flow templates in a professional services management system: There is disclosed method and apparatus for organizing intellectual property data according to activities related to intellectual property. Each activity is represented by an activity data structure containing at least some data pertinent to the activity. A plurality of activity data structures are made accessible through a user interface display...

20060212336 - Smart, web-based time management software: A novel software method of creating and maintaining a schedule of the activities to be performed by agents on behalf of a principal entity at least includes: a) creating a principal profile; b) identifying the principal's agents; c) defining jobs to be performed by the principal's agents, the jobs being...

20060212338 - Method and apparatus for identifying candidates for a position: A method and apparatus for identifying candidates for a position is provided where the position is defined in a campaign for the position. Preferably, the method includes steps of and/or apparatus performs steps of sending campaign information to a plurality of contacts, receiving a candidate referral from at least one...

20060212340 - Method and apparatus for product management: A method for selecting products for a product portfolio includes identifying a set of customer orders including a set of ordered products, a total order benefit and a penalty multiplier and identifying one or more subsets of the ordered products each having a subset order benefit and a penalty multiplier....

20060212337 - Method and system for automatic assignment of sales opportunities to human agents: A method (and system) of assigning a sales opportunity, includes creating an assignment model based on clustering historical sales opportunities, and providing a scoring mechanism on a plurality of sales agents for automatically optimizing an assignment of at least one sales opportunity to at least one of the plurality of...

20060212339 - Method of producing a consensus forecast: Methods are provided for producing a consensus forecast. An adjusted consensus forecast for a plurality of economic indicators is produced by compensating for forecasters who miss a monthly forecast and by adjusting for unchanged forecasts from the prior monthly survey and by compensating for a lack of dynamism in the...

20060212341 - System and method for profiling jurors: A jury profiling system and method. A profiling system is provided that includes: an attributed jury pool database for storing a set of attributed juror records; an interface for retrieving an attributed juror record from the database for a prospective juror; a system for modeling a profile of the prospective...

20060212342 - Method for setting image for standard operating speed, and method for finding evaluation value with image of evaluation subject data based on standard operating speed: This invention relates to a method of establishing, by means of images, a standard working speed of working steps including a plurality of different motion elements, and a method whose object is that working same as said working steps is carried out by different workers to obtain an image of...

20060212343 - Methods relating to reliability in product design and process engineering: A cumulative distribution function (CDF) that represents reliability of a product or process is optimized with respect to one or more critical probabilistic controllable variables of the product or process that it is feasible to control. Optimal mean values for those critical probabilistic controllable variables are determined....

20060212344 - Automated parking lot system, method, and computer program product: A system, method, computer program product and propagated signal for an automatic parking system. The system includes a sensing subsystem for detecting an occupancy status of a vehicle parking space, said sensing subsystem providing a real-time occupancy status signal for said vehicle parking space wherein said occupancy status signal includes...

20060212350 - Enhanced online advertising system: The system provides an automatically targeted network for text and graphical advertising based on cost-per-action bidded pricing, wherein actions comprise any of acquisitions, purchases, downloads, registrations, donations, clicks, and impressions. Contextual, search and behavioral relevance features are integrated to optimize ad selection for advertisers, who enter action objectives, associated bids,...

20060212354 - Method and system for advertising on business forms: The invention involves a novel method of advertising wherein advertisers are able to target market to employees through placement of advertisement on employers business forms. The method involves the collection of information about employees and about advertisements from advertisers and then matches employee information to the desired target audience of...

20060212349 - Method and system for delivering targeted banner electronic communications: A system provides banners to the web sites or web pages of publishers, of a publisher network, that are being browsed by users. The banners provided to the web sites or web pages are banners that are of particular relevance to the browsing user, based on the past browsing behavior...

20060212348 - Method for scheduling of broadcast events: A system and method for scheduling advertisements. The system has an inventory of advertisements wherein each advertisement comprises a demographic and a client identifier. An interface is provided for receiving an order wherein the order has a target demographic, a target client identifier, impressions to be played (I), value (V),...

20060212345 - Method, system, apparatus and computer readable medium for preparing insurance claims for retail activities: The present invention is directed to a method, apparatus and computer readable medium for reducing health care costs by creating an incentive for patients to choose the most economical, yet fully effective health care option....

20060212352 - Real time interactive response system and methods: A system and method, is disclosed in which advertisers actively look for potential consumers. This is done with equipment connected to a network capturing information relating to a computer users (potential consumers) network activity. An activity can be composed of a single or multiple user actions. The activity can be...

20060212351 - Server apparatus having function of creating website on which advertisement information is automatically displayed, and advertisement information providing system using the server apparatus: A server apparatus having a function of creating a website on which advertisement information is automatically displayed, the server apparatus including: a website creation processing unit that converts website editing data into an HTML document and that creates website information including menus corresponding to the website editing data; an advertisement...

20060212355 - Social information and promotional offer management and distribution systems and methods: Methods and systems for social information and promotional offer generation and distribution are provided. A system comprises a merchant database comprising merchant information and organized into merchant accounts by a plurality of unique merchant identifying codes. A social seller database comprises social seller information and is organized into social seller...

20060212347 - System and method for advertisement delivery in a network system: A system, method, and computer-readable medium for providing advertisement data by a network system is provided. A client connects with the network system and receives multimedia data therefrom. The client processes the multimedia data. Advertisement data is output by a plug-in run by the client in response to processing the...

20060212346 - Systems and methods for message media content synchronization: The present invention relates to systems and methods for message media content synchronization. One embodiment relates to a system that includes an advertising database, a synchronization module, and an advertising vehicle. The advertising database stores a plurality of advertisements and receives new advertisements. The synchronization module receives synchronization information and...

20060212353 - Targeted advertising system and method: A targeted advertising server system for providing advertising material to a browser which is operatively coupled with an internet of interconnected computer networks via an internet service provider (ISP). The system includes a database containing a plurality of advertisements and a matching engine operatively coupled with the database. The matching...

20060212356 - System and method for integrated order and channel management: Order management comprises receiving, over a data network, one or more orders for associated products from one or more customers for storage in a data store and selecting a given order from a given customer to a merchant from among the received one or more orders. Status codes are set...

20060212357 - Method for integrated point-of-sale and web-based property registration and verification: A method for validating ownership of personal property in possession or goods presented for sale, and for automatic activation of product warranty and/or product rebate. At the original point of sale of the property the universal product code and unique serial number of an item of property are acquired using...

20060212358 - Multi-tier pricing of individual products based on volume discounts: A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated...

20060212360 - Method and a system for computer software distribution using networked software dispensing vending machines: A method and a system for dispensing software programs from a networked software dispensing kiosk device or ATM. Software developers can place software for sale within the network thereby causing various remote software ATMs to offer the software. The user causes a display of a list of different categories of...

20060212362 - Method and system for producing item comparisons: A method and system for producing an item comparison may initially include obtaining data based on user activity that is indicative of an item and other items likely to be comparable to the item, and recording the data for later access. An item comparison may thereafter present an item of...

20060212365 - Method and system for receiving and handling orders for commodities: An order-reception system has: an order-reception subsystem which receives, from a customer, customer order information including order-reception information and/or support request information and customer information; a business management subsystem having a customer-information database storing the customer information including information regarding a price of a commodity purchased frequently by the customer,...

20060212361 - Method of and system for accessing consumer product related information at points of consumer presence on the world wide web(www) at which upn-encoded java-applets are embedded within html-encoded documents: Method of and system for delivering consumer product related information to consumers over the Internet. The system and method involves creating an UPN-encoded Consumer Product Information (CPIR) enabling Applet for each consumer product registered within a manufacturer-managed UPN/URL database management system. Each CPIR-enabling Applet is encapsulated within an executable file...

20060212363 - Rendering digital content in an encrypted rights-protected form: To render digital content determined to be in an encrypted rights-protected form, each available license corresponding to the digital content to be rendered is identified, where each such license includes a decryption key (KD) for decrypting the digital content to be rendered, and where the decryption key (KD) in the...

20060212364 - System and method for a repeat customer transaction counter: Creating and displaying a repeat customer transaction counter showing a current cumulative count of repeat transactions for an individual seller at a market venue. The seller registers and identifies his/her self-verified existing repeat transaction count and/or uploads a file of historical transaction information to create a starting count. The seller...

20060212359 - System and method for selecting a service provider: The invention provides a selection system and method to facilitate the provision of services on a computer network to prospective service users. In a preferred embodiment a computerised method of enabling a buyer to select a service provider for performing a service is described. The method includes processing a service...

20060212368 - Method and apparatus for meta-shopping and dynamic setup of b2b ecommerce: A method, apparatus, and computer implemented instructions for generating a customized catalog for an entity or organization. Items from a base catalog are presented to a user located at a remote data processing system. One or more items are selected by a user through a process of “meta-shopping”. The selected...

20060212367 - Method of selecting and distributing items to consumers of electronic media: A network based distribution system and method for distributing/temporarily renting playable media items, such as movies in a digital format. The distribution system includes software logic for selecting and delivering titles based on a variety of factors, including a scoring and weighing adjustment on a title/subscriber basis....

20060212366 - Systems and methods for purchasing gifts: A method of creating an aggregated Internet accessible registry includes the step of accepting a query from a registrant. The query contains an identifier and a search criteria, the identifier identifying one of a multitude of registry databases. Registries matching the search criteria in the selected registry database are retrieved....

20060212370 - Cryptographic methods, apparatus and systems for storage media electronic rights management in closed and connected appliances: A rights management arrangement for storage media such as optical digital video disks (DVDs, also called digital versatile disks) provides adequate copy protection in a limited, inexpensive mass-produceable, low-capability platform such as a dedicated home consumer disk player and also provides enhanced, more flexible security techniques and methods when the...

20060212369 - Multiple dimension closings: A computer implemented accounting system is provided facilitating multiple-dimension closings. A plurality of user-definable transaction dimensions can be selected as closing dimensions. Then, when a given accounting period is to be closed, closing journal entry lines and offsetting lines related to all unique combinations of closing dimensions are generated....

20060212371 - System and method for generating material inventory list: A system and a method for generating material inventory list are provided for allowing a user to input data of basic modules and various accessories of a required product based on a type of the product so as to generate a material inventory list of the product. The system includes...

20060212378 - Account administration plans and systems: A computer system according to particular embodiments of the invention is adapted for: (A) receiving one or more claims for reimbursement from an account holder of a health savings account; (B) after receiving the one or more claims, allowing a plan service provider to: (1) review each particular one of...

20060212379 - Controlling a computer-aided process: System and method of making and using, products produced by the method, articles, and necessary intermediates of the foregoing as regards controlling a computer system in computing directed to constant dollar instruments....

20060212377 - Method and system for analyzing and reporting equity compensation: Computer systems and methods for reporting and analyzing grants equity-based compensation (e.g., employee stock option grants). The systems and methods store information regarding grants down to each individual grant level. The system and methods are capable of producing reports “as of” particular dates (i.e., transaction dates, creation dates, and accounting...

20060212375 - Method for venture project financing: A method for raising funds for investment in a venture project is provided. An investment agent sets up an agreement with an entrepreneur of for raising funds, up to a threshold amount, to finance the project within a first time limit and for a given return on investment. The investment...

20060212373 - Method of providing financial accounting compliance: The present invention discloses a method of establishing an internal control framework that ensures accurate financial reporting as required by the Sarbanes-Oxlet Act of 2002. The method provided utilizes the established business processes to identify risks, determine the necessary controls to be implemented to mitigate these risks in order to...

20060212380 - Methods for issuing, distributing, managing and redeeming investment instruments providing normalized annuity options: A method of issuing and managing investment instruments called “Pension Shares” which preferably take the form of securities that represents a claim against and is secured by an investment fund. A Pension Share entitles its holder to receive, at a specified maturity date, either a lump sum payment amount or,...

20060212374 - Shari'ah (islamic) compliant financial services card: A financial services card formulated in accordance with the principles of the present invention comprises a payment or transactional card equivalent in many practical respects to a conventional credit card, however, which operates in compliance with Shari'ah financial guidelines and Islamic law and therefore is conducive for use by Islamic...

20060212372 - System and method for processing units of value: The invention relates to a system and method for processing value units, such as bank notes, coins or checks. A system and method for processing deposits of value units are provided by which bank notes of the deposit are checked successively in two bank note processing machines, and the data...

20060212376 - Systems and methods for real-time, dynamic multi-dimensional constraint analysis of portfolios of financial instruments: An automated method of managing or constructing a portfolio comprising at least one financial instrument defining portfolio attributes, the method using a system comprising a processor, a display and an input device. The method comprises defining at least one objective representing a desired state for the portfolio attributes and defining...

20060212384 - Commodity futures index and methods and systems of trading in futures contracts that minimize turnover and transactions costs: This invention relates to methods and systems for reducing transaction costs and minimizes turnover in the trading of futures contracts. The invention further describes an algorithm whose output is a unique method of investing in futures contracts that reduces the rate of turnover, and thus the cost of trading, of...

20060212382 - Graphical curve fitting method and system: A method, computer program product, and client computer for processing a plurality of initial data points, such that each initial data point includes a strike price coordinate and a volatility coordinate. A best-fit curve is generated based, at least in part, upon two or more of the plurality of initial...

20060212381 - Method of and system for displaying market information: A method of displaying market information in a market place includes capturing trade information relevant to a trading area using a computer and projecting visual information representative of portions of the captured trade information using one or more laser projectors. The visual information may be projected onto any suitable surface...

20060212383 - Systems and methods of product placement: A product seller site distributes on a pay for placement basis placed product with purchased product when the purchased product is delivered, where the placed product is associated with the purchased product by at least one specific characteristic. For example, the owner of a product funds an account and supplies...

20060212386 - Credit scoring method and system: A method for calculating probability distributions and probability scores associated with a consumer credit score is disclosed. The probability scores may comprise a bureau volatility score, and bureau error score, and/or a multi-bureau variability score....

20060212385 - Money fund banking system with multiple banks and/or rates: Providing interest to clients’ deposited funds without limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients’ deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation...

20060212387 - Method and system for administrating funding of product development: Systems and methods are provided for administrating funding of product development. The system may include a memory for storing a set of instructions and a processor for executing the set of instructions stored in memory to performed a method including establishing a list of entries; assigning a priority to each...

20060212388 - Systems and methods for facilitating a transaction by matching seller information and buyer information: Systems and methods are provided to facilitate a transaction between a seller and a buyer. According to one embodiment, seller offer information is received at a controller. The seller offer information is associated with an item, such as a secondary market item, being offered for sale by a seller. Buyer...

20060212392 - Advanced messaging system and method: Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system....

20060212390 - Method and system for direction of funds to non-profits: The disclosed embodiments provide systems and methods for facilitating transfer of funds to a charitable organization or a charitable cause, for example, and facilitate the use of accounts that are established for charitable gift-giving in making contributions to a charitable cause through a website, for example. Such accounts include, but...

20060212391 - Method and system for facilitating network transaction processing: According to one embodiment, the present invention relates to a method and a system for efficient transaction processing. According to an exemplary embodiment, a method and system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment...

20060212393 - Payment system and method: Using a single source money management system customers may automate their committed spending. A money management account and a discretionary fund account are established in response to a customer's request to participate in the system. A financial institution receives money on a periodic basis from a customer's predictable payment system....

20060212389 - Systems and methods for adminstering return sweep accounts: Novel systems and methods for managing a plurality of client demand accounts so as to allow a banking institution to retain client deposits on the bank’s balance sheets while, at the same time, providing the client with the capability of implementing up to an unlimited number of transactions per month...

20060212394 - Electronic value exchange system and electronic value exchange method: When a portable terminal receives a condition for an exchange object from a portable terminal, it selects electronic values as exchange objects, out of lists constituting the condition. An IC card deletes the electronic value and sends a message addressed to the portable terminal. An IC card deletes the electronic...

20060212397 - Authentication device, mobile terminal, and authentication method: The security of an IC card is improved by managing success and failure in authentication individually for each terminal program. An IC card includes a random number generation section, a source authentication section, and a process execution section. Upon receipt of a message of type “1”, the random number generation...

20060212399 - Broadcast receiving method and apparatus and information distributing method and apparatus: A broadcast receiving method comprises storing first control information in a storage device, the first control information containing information unique to a receiver and required for the receiver to select broadcasted and encrypted contents information, and receiving second control information with a receiver via a bi-directional communications channel, the second...

20060212398 - Key security method and system: A method and system for securing keys in which all key blanks are assigned a unique serial number and access to uncut key blanks is restricted to authorized distributors and keycutters, through whom the current location of uncut serialized key blanks is tracked in a remotely accessible database to whom...

20060212395 - Method and system for computerized administration of affinity programs for purchasing copyrighted computer files: An apparatus and a method are provided. A request for a file is received. A determination is made regarding whether the file is a copyrighted file. A cost of the file is determined. Whether a requesting user has a sufficient balance in at least one affinity group account to cover...

20060212396 - Selectable repainting of updatable network distributable imagery: A method, system and apparatus for the selectable repainting of updatable network distributable imagery. A method for selectably repainting updatable network distributable content can include establishing a repainting selection selected from the group consisting of continuous repainting and delayed repainting. The method further can include rendering a complete view of...

20060212400 - Divided rights in authorized domain: To ensure that digital rights cannot be forged or tampered with, they can be digitally signed. However, this means that updating the digital rights is no longer possible, as this would invalidate the digital signature. The present invention proposes that the issuer of digital rights issues rights which are signed...

20060212401 - Method and system for network-based promotion of particular digital media items: A method of operating a digital media purchase system includes, within the digital media purchase system, receiving a unique promotional code from one of a plurality of consumers via a data network. The receipt is in association with a user account of the one consumer with the digital media purchase...

20060212402 - System and method for export control of technical documents: According to one example embodiment, methods and systems provide for electronically storing and processing information in a data storage and processing system accessed wherein there is stored a plurality of electronic documents on the system that are associated with legal matters, wherein at least some of the documents contain technical...

20060212403 - Method of processing song claims involving songs including, but not limited to musical works, compositions, etc.: In one embodiment, a method is provided for receiving a song claim, and comparing the song claim to records of a database of songs. To this end, results of the comparing may be indicated. In various embodiments, such songs may include musical works, compositions, etc. Of course, songs in the...

20060212404 - Content reproduction apparatus, content reproduction method and program: A content reproduction apparatus and method is disclosed wherein the user can grasp complicated licenses or a relationship of licenses of a plurality of contents intuitively and with certainty from a time line representation. The content reproduction apparatus reproduces a content based on a license for permitting reproduction of the...

20060212405 - Electronic copyright license repository: A content distribution system for transporting audio or video licenses between content players that use digital rights management (DRM) is disclosed. The content distribution system includes at least a second license repository and an authentication engine. The second license repository receives second information describing a second plurality of content licenses....

20060212406 - System and method to facilitate and support electronic communication of ideas: A method and apparatus effectuates bilateral commerce in ideas. An originator and user-driven on-line commercial network system is designed to facilitate idea submission, purchase, and licensing, and is easily adapted to business-to-business transfers of innovation as well as consumer-to-business transfers of innovation. The invention allows originators of ideas to communicate...

20060212407 - User authentication and secure transaction system: A system, method, and apparatus to minimize fraud at the user, merchant, and/or financial institution level. A control computer provides authentication and/or transaction processing. The control computer has access to databases comprising user, merchant, enrollment, transaction, duplicate, and fraudulent activity data. Parties may enroll in the system via an enrollment...

20060212408 - Framework and language for development of multimodal applications: A method and apparatus provides a framework for specifying a multimodal application, such as an IVR, in a communication network. The framework provides a metalanguage that enables a programmer to specify a multimodal user interface using view logic, business rules using router logic, and integration with a backend enterprise system....

20060212409 - Method for placing advertisements in a broadcast system: A media play traffic system is disclosed. The media play traffic system includes at least one hub at least partially remote from at least two media play points, and a normalizer associated with the hub, wherein said normalizer normalizes data inputs for the at least two media play points, wherein...

20060212410 - Method and system for printing multiple regions across a mail piece: A method and system that allows for large amounts of data to be printed utilizing a small memory is provided. The complete image to be printed on the print medium is separated into different regions each having associated print data. The memory device, while being too small to store all...

20060212411 - Combination newstand and advertising kiosk and method of conducting business: A kiosk-like structure that simultaneously houses a bank or banks of modular news-boxes and one or more advertising display cases thus manifesting a business method therefor. A structure fabricated from galvanized structural steel members that are that are secured together by welding, bolts or screws. The invention will simultaneously support...

20060206344 - scientific formula and system which derives and creates a standardized data table in a personnel recruiting system: The present invention relates to a data processing system, engrained with value-added methodologies to create a highly structured and automated recruiting system. The invention will create and retain a content database from the system and enriched by the entries specified by a candidate for a position and the company hiring...

20060206346 - Activity forms for automated business processes: A method and computer-readable storage medium for performing the method of creating a business process workflow user interface (“activity form”) featuring process data and process-related data where no manual coding is required to integrate different data sources into the user interface. An activity form associated with an activity from a...

20060206342 - Automated self-storage reservation and management system: An automated self-storage reservation and management system is disclosed. The system enables customers to make a reservation for a self-storage unit, view a map for a storage facility, enter or update customer information, make a payment, view payment history and print receipts. Facility personnel can utilize the system to manage...

20060206343 - Information storage device and information processing device: The present application is to make an information storage device (card) with a plurality of communication functions perform a process by one of the communication functions in cooperation with another process performed by the other communication function. A card 30 includes contactless communication means and contact communication means so as...

20060206353 - Method and system for intelligent queue management: A system and method for intelligent queue management uses a virtual destination locator to guide any queue members with pre-allocated final destination assignment. The guiding arranges the queue members into a sequence and then guides them to the final destination by moving the virtual destination location in accordance with the...

20060206354 - Method for facilitating medical waste disposal: A system for disposing of medical waste is generally configured to sort waste items into a plurality of disposable containers according to applicable rules and regulations governing the handling and/or disposal of such items. In some embodiments, a system comprises sorting stations, each of which houses a number of disposable...

20060206347 - Network centric system and method for processing information: A network centric method and system for processing information, wherein a hierarchical database populated with an organizational construct of an integrated system is accessed to decompose the organizational construct into separate franchises of the integrated system. Each franchise of the integrated system is classified according to a network centric taxonomy...

20060206351 - Registered traveler systems and methods: The present invention provides systems and methods for registering frequent travelers and for confirming traveler identities so that a more streamlined procedure may be used during security checks prior to departure of the registered traveler. One such method includes receiving a customer data set and a customer biometric with a...

20060206355 - Search engine account monitoring: A system and method of generating an ordered search list via a search engine by determining various account balances to determine where a search listing will appear, if at all, in a search results list. If a web site advertiser's account is below a threshold, the search listing associated with...

20060206349 - Search equity program system and method: The invention provides for a method for receiving revenue by brokering searches for content available over a communication network. The steps of the method include providing a private communication network secured from a publicly available communication network, transmitting a request for bids to a plurality of search engines, accepting a...

20060206350 - Security method and apparatus for preventing credit card fraud: A security method comprises inputting into a database on a computer system (2) data as to a forecast of transfer relative to the database, and inputting into the database data as to actual transfers relative to the database, the computer system taking appropriate action in the event that the transfers...

20060206348 - System and method for business process integration: Embodiments of the present invention relate to an automated way for a non-technical person to create or modify software functionality in support of a business process without needing expertise in software. According to the invention, an automated matching tool may apply user input expressed semantically to a database of semantic...

20060206345 - System and method for obtaining and disseminating secured on-line data: There is disclosed method and apparatus for downloading private intellectual property information from a first secured data source maintained by a government agency, wherein access to the private intellectual property information is secured with one or more security mechanisms, and storing at least some of the downloaded information into a...

20060206352 - System for seamless enablement of compound enterprise-processes: This invention relates to activities pertaining to life-cycle-stages of enterprise-processes, whether implemented within the boundary of a single organization or spanning several organizational boundaries. In particular it relates to (1) establishing a community of participant-systems and a schema to create collaborative capabilities (2) establishing a combination of one or more...

20060206356 - Line verification for multi-pump arrays: A system and method for verifying that a medication delivery device is properly programmed to deliver a medication from a medication source. The system and method insure that the right medication is delivered in the right manner to a patient, and is particularly advantageous where multiple medications are being delivered...

20060206358 - Medical data reporting systems, methods and devices: Systems, devices and methods of delivering electronic medical data to a hospital or doctor's office from a laboratory, clinic, or other remote medical campus where medical data associated with a patient is sent over a network and received at a data delivery device. The data delivery device has access to...

20060206359 - Method and system for facilitating clinical decisions: A method and system for providing information for facilitating health care and clinical decisions. The method includes receiving input data specifying patient information, comparing that data with one or more predetermined sets of reference data, and determining and displaying the output data. The output data can be displayed graphically, such...

20060206357 - System and method for determining trailing data adjustment factors: Timely projections of product sales for a reporting time period are obtained by combining actual sales data received from reporting stores and estimated sales data for non-reporting stores. The projections are adjusted to account for trailing data, which may be reported after the end of the subject time period....

20060206360 - Medical information management apparatus and method, and medical information management program: A medical information management apparatus for creating facile electronic medical charts by which patients can understand their medical conditions or diagnostic results by viewing their own medical charts. The apparatus includes: a managing unit for managing electronic medical chart data; a recording medium in which a dictionary file is recorded;...

20060206361 - System for maintaining patient medical records for participating patients: A portable heath care records system employs a server on which the health care records of participating patients are stored. The patients may access the system using cards or CD-ROMS that are inserted into the patient's computer. The patients can review their own records via Internet and can edit them....

20060206362 - Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase: Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase are disclosed. A user at a client device, such as a personal computer connected to the Internet, receives a plurality of business insurance quotes with minimal data input requirements. A plurality of insurance carriers are narrowed...

20060206363 - Group travel planning, optimization, synchronization and coordination software tool and processes for travel arrangements for transportation and lodging for multiple people from multiple geographic locations, domestic and global, to a single destination o: The present application is built around a software tool that optimizes group travel versus today's solutions. The present invention enables a user to search, optimize, synchronize, coordinate and book travel for Lodging and Transportation for multiple people from multiple locations around the country/globe to a single destination or series of...

20060206369 - Collection method of and collection system for collecting costs of energy-saving facilities: A collection method and system which restrains an increase in initial cost of energy-saving facilities. According to the invention, the reduced amount of running cost of energy-saving facilities for a predetermined period is computed based on a prediction of operation of the facilities, and an initial cost is determined. Actual...

20060206366 - Enterprise process documentation and analysis system and method: According to an exemplary embodiment of this invention a method of displaying a process characterized by multiple process steps is provided. The process comprises the step of displaying a first process flow representing the process in a flow chart format on a report, wherein the first process flow represents a...

20060206368 - Integration of mes and controls engineering: Integration of MES and Controls engineering The invention relates to a system and a method for integrated development of projects of different levels, especially of automation projects in the MES and Controls area. The integrated development is facilitated by the use of uniform models. In this case a first project...

20060206367 - Mission console: The invention introduces a secure, graphical method and system for developing, analyzing, selecting, executing, measuring, and improving extensible, cohesive plans in single user, and multiple user environments. It presents a logical system for recycling plan related information. Mechanisms are introduced for brainstorming and collaborating during plan development and execution. Techniques...

20060206364 - Relationship assistant: A relationship assistant is used in conjunction with an electronic device in order to monitor a person's communications with others. The relationship assistant gathers information from a variety of applications in order to determine whether there are particular contacts with whom the user has not recently communicated. The relationship assistant...

20060206365 - Sample store forecasting process and system: A method and system of predicting market information includes the steps of receiving first data, forecasting further data based on the first data, receiving second data and comparing the further data with the second data, and creating an adjustment factor to account for any difference between the further data and...

20060206370 - Smart work-force tool: The invention further provides a method for providing workforce management and collaborative support amongst a plurality of entities comprising; aggregating in a comprehensive database a set of data, documentation, instructions and tools for the performance of at least one task, loading the comprehensive database onto at least one computer for...

20060206371 - Method of facial coding monitoring for the purpose of gauging the impact and appeal of commercially-related stimuli: A method of assessing consumer reaction to a marketing stimulus, involving the steps of (a) exposing a sample population to a marketing stimulus for a period of time, (b) interviewing members of the sample population immediately after exposure of the members to the marketing stimulus, (c) videotaping any facial expressions...

20060206372 - Systems and methods for protecting confidential information through geodemographic information aggregation: Systems and methods for providing demographic information for a geo-demographic cluster area within a predefined geographic region are disclosed. An illustrative method may include the steps of associating selected data entries from multiple databases with parcels of land in a predefined geographic region, generating household-specific demographic profiles for each parcel...

20060206374 - Domain specific return on investment model system and method of use: A system and method for creating and executing a business model for domain specific decisions to compare possible alternative business solutions to maximize results is provided. A domain-specific return on investment (ROI) or financial measurements model and a calculator for buying and selling information technology based solutions targeted at improving...

20060206373 - Establishing a timing threshold: A timing threshold is used for determining when to issue an alert indicating installation of a replacement part is overdue. To determine the time threshold, a replacement part is ordered according to a service alert for a device. The device is monitored to determine when the replacement part is installed....

20060206378 - Consumer incentive system and business method: Consumer incentives are delivered by maintaining a database of consumer-customer club members and identification data. The retailing transaction is conducted by receiving a consumer-customer for a retail sales transaction at a first retail establishment. An identification input associated with said consumer-customer is received at the first retail establishment. The identification...

20060206380 - Internet advertising method and system using web page: The present invention relates to an Internet advertising method and system, which provide the advertisements of enterprises to a plurality of clients in an Internet environment in which the clients can access a server for providing online services through terminals capable of performing Internet communication, and exchange data with the...

20060206381 - Method and system for creating interactive guides and information exchange services: A method and system for creating interactive guides and information exchange services for gathering events that includes receiving input from a user via a communication device. The input provided by the user is processed. Requested information is delivered to the user and other parties and requested user actions are performed....

20060206383 - Method for advertising and selling products online: A method of advertising includes creating and providing a customer with an electronic address, assigning the electronic address to an internet web page so that the internet web page is viewable when the electronic address is accessed, encouraging the customer to advertise the electronic address in a non-internet medium, and...

20060206377 - Method of redeeming a value bearing instrument: The subject invention provides a method for redeeming a value-bearing instrument, such as a cash ticket issued from a slot machine, at any of a plurality of participating organizations, such as a casino. The organizations are remotely located from each other and associated together. Each of the organizations includes a...

20060206379 - Methods and apparatus for improving the matching of relevant advertisements with particular users over the internet: A method of matching an advertisement to a user engaging an interface includes identifying a plurality of advertisements; obtaining a source ambient factor, wherein the source ambient factor describes a variable condition of at least one of the user's environment and the user's body; and selecting an advertisement from the...

20060206382 - Replaceable cooler tops with sport logo: Interchangeable portions of a cooler or container, having a sports logo thereon, allows a single cooler body or container body to have a first logo at one particular time, and a second logo at another time, upon replacement of interchangeable the portions. Preferably, the portions comprise a plurality of cooler...

20060206376 - System and method for issuing and redeeming incentives on electronic data cards: A system for issuing, redeeming and monitoring incentive offers generated in response to qualifying on-line and off-line non-purchase activities. For example, an electronic data card is used to store electronic coupons issued by web sites (i.e., on-line) and/or off-line locations. In one embodiment activity registration is performed by programming integrated...

20060206375 - System and method for targeted advertising and promotions based on previous event participation: A novel information gathering and dissemination method includes: a) providing a portable light emission device carried by a user, and activated according to a remotely received signal, so that the light of the device acts as a pixel of a remotely generated display; b) assigning, a unique identifier; c) recording...

20060206384 - Game medium renting machine management server and game medium renting machine management system: A game medium renting machine management system comprises a plurality of game medium renting machines that rent a game medium when money is inserted, a remote control unit capable of communicating with each of the game medium renting machines and a management server connected via a network to each of...

20060206385 - Multi-tier pricing of individual products based on volume discounts: A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated...

20060206386 - Multi-tier pricing of individual products based on volume discounts: A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated...

20060206387 - Transportation planning with multi-level firming: Systems, methodologies, media, and other embodiments associated with transportation planning with multi-level firming are described. One exemplary computer-implemented method embodiment includes accessing transportation planning elements and a transportation planning model. The method may also include identifying loads that satisfy orders in the transportation planning elements according to constraints in the...

20060206395 - Automated method and system for merchandize transactions: A method and system are provided for selling merchandise. The method includes receiving an order from a customer for a product desired to be picked up by the customer at a given location, readying the product for customer pickup at the given location after receiving the order, detecting the arrival...

20060206392 - Computer implemented retail merchandise procurement apparatus and method: In an apparatus for identifying one or more retail merchandise suppliers, a web-based scorecard (12) is configured to acquire supplier-related information of interest to a retailer (16). A database (42) communicates with the web-based scorecard to store the acquired supplier-related information sorted at least by responding supplier (30, 32). An...

20060206396 - Customer-specific merchandising program: The invention is directed to facilitating the planning and ordering of a merchandising unit and associated products. A merchandising unit planning screen is presented that displays a representation of a merchandising unit having holders for holding and displaying the products. A product menu is provided for each holder to allow...

20060206389 - Method and system for providing medical device maintenance information to a service technician's mobile device: A method and system for providing medical device maintenance information to a service technician's mobile device are provided. In one embodiment, an order for a service technician to perform maintenance on a medical device is generated, and the appropriate maintenance protocol is automatically selected based on data from the order....

20060206391 - Method and system for using cascading style sheets(css) to customize an online store: The present invention is directed to a system and method for using cascading style sheets to theme and customize a store whose actual generation and control flow is on a central server. The system provides for a server operator to host a store web page that links to a seller's...

20060206388 - Method of quickly identifying availability of rental properties being advertised on the internet: This invention describes a method where people using the Internet to find properties to rent from owners can easily sort out what properties are available for the time period that they are interested in. This patent application is mainly targeted for rental properties being managed by individual owners but it...

20060206393 - System and method for browsing and comparing products: A system and method permit a user to browse and compare products of a merchant using information about a competitor. In one embodiment of the system and method, a page server serves a competitor electronic page to a customer browser which permits the user to select a competitor. The competitor...

20060206394 - System and method for browsing and comparing products: A system and method permit a user to browse and compare products of a merchant using information about a competitor. In one embodiment of the system and method, a page server serves a competitor electronic page to a customer browser which permits the user to select a competitor. The competitor...

20060206390 - System and method for processing product order placed through a network: The invention provides a communications system and method for receiving at a network computer system electronic information from a multiple of sites (consumers) on a communications network, such as the Internet, and formatting and transmitting the information from the network computer system over a telecommunications network using simple protocols to...

20060206397 - Cryptographic methods, apparatus and systems for storage media electronic right management in closed and connected appliances: A rights management arrangement for storage media such as optical digital video disks (DVDs, also called digital versatile disks) provides adequate copy protection in a limited, inexpensive mass-produceable, low-capability platform such as a dedicated home consumer disk player and also provides enhanced, more flexible security techniques and methods when the...

20060206401 - Annuity having interest rate coupled to a referenced interest rate: An annuity provides a guaranteed rate of return for a guarantee period while at the same time providing upward adjustments to the interest rate if there is a corresponding increase in a specified referenced rate, which may be a United States Treasury rate or an interest rate that is used...

20060206398 - Managing risks within variable annuity contractors: A method for mitigating risks associated with a reinsured annuity contract includes reinsuring variable annuity contracts having guaranteed minimum death benefits, calculating risk statistics based on one or more characteristics of the plurality of guaranteed minimum death benefit variable annuity contracts, determining a set of market indices that model the...

20060206399 - Method and device for generation of a customer-specific financing offer for a technical system: For a simple generation of a customer-specific data set, particularly for generation of a financing offer for the leasing of medical apparatuses, basic data are stored in a central database and centrally updated. The current basic data are transferred to a portable and decentralized computer dependent on need, and for...

20060206400 - Method and system for unified management of plurality of assets using computer network: A method and system for collectively displaying in real-time on the Internet the status of personal assets and transactions. The system comprises a plurality of asset databases corresponding to a plurality of financial institutions; storing portfolio information related to total assets in the above-mentioned plurality of financial institutions; a unified...

20060206402 - System and method for a rebate reward: A computerized method and system for implementing such method, the method comprising establishing a card payment instrument account for an approved customer and an investment account for the benefit of the approved customer. A rebate is calculated periodically based on credit card usage and the rebate is applied to fund...

20060206403 - System for anonymously purchasing goods and services over the internet: A system for anonymously purchasing goods and services over the Internet comprising customer, issuer, merchant and financial institution computers all linked to a communications system, a money code, and a plurality of software. A money amount is received from a customer and a money code is assigned an associated money...

20060206409 - Bid system: A system and method for receiving bids over a computer network including the steps of creating a bid request that is accessible over a network such as the Internet. Posting the bid request on a computer network, and receiving sealed electronic bids over the computer network. Storing the sealed bids...

20060206410 - Configurable state model for supply chain management: Methods and systems for supply chain management in accordance with a state model. A supply chain management system includes a transaction state module within an inter-enterprise server assessable by trading partners. The transaction state module can define a state model which allows a trading partner to view a transaction and...

20060206411 - Custom application builder for supply chain management: Supply chain management is performed by building a user-defined custom application that uses supply chain data. The supply chain data is returned for display and/or use in the custom application based on metadata stored in a database that is arranged to store supply chain data. The metadata specifies a stored...

20060206405 - Gambill stock oscillator: Described are methods of using “insider” transactions for purchases and sales of stock equities, as reported in Form 4 filings with the United States Securities and Exchange Commission, in a method of gauging valuation of a group of stocks or a general market of stocks....

20060206404 - Opening cross in electronic market: A method, executed in a computer system, for opening an electronic market for trading of a security is described. The method includes receiving by the computer system eligible orders and quotes for the security traded in the electronic market and disseminating an order imbalance indicator indicative of predicted trading characteristics...

20060206406 - Program-based supply chain management: An inter-enterprise supply chain management system uses programs to manage supply chain transaction data received from a plurality of trading partners. A program is defined using program definers including at least a first trading relation between a first and a second trading partner and a second trading relation between a...

20060206408 - Real-time, interactive, competitive method of on-line auction utilizing an auctioneer: The present inventive device provides a new method of real-time, interactive, competitive, live on-line auction using an animated auctioneer. The animated auctioneer initiates the auction, actively solicits bids from the auction participants, acknowledges bids input from auction participants, and moves to close the auction when there is a cessation in...

20060206407 - System and method of utilizing a distributed order book in an electronic trade match engine: Methods and systems are providing for minimizing the effects of transmission delays when providing orders for financial instruments. A plurality of order books and match engines may be maintained at geographically dispersed locations. The orders may be synchronized to provide the appearance of a single order book to traders and...

20060206412 - Systems and methods for facilitating a transaction by matching seller information and buyer information: Systems and methods are provided to facilitate a transaction between a seller and a buyer. According to one embodiment, seller offer information is received at a controller. The seller offer information is associated with an item, such as a secondary market item, being offered for sale by a seller. Buyer...

20060206413 - Systems and methods for facilitating a transaction by matching seller information and buyer information: Systems and methods are provided to facilitate a transaction between a seller and a buyer According to one embodiment, seller offer information is received at a controller. The seller offer information is associated with an item, such as a secondary market item, being offered for sale by a seller. Buyer...

20060206414 - Convertible debenture annuity trust investment device and method therefor: A method for generating capital for a corporation while protecting investors comprises: establishing a statutory funding trust under the laws of a designated state pursuant to a trust agreement; offering of debentures by the funding trust in a predetermined amount; loaning a portion of funds generated from sale of the...

20060206416 - Financial collaboration networks: The disclosed system and method for providing financial collaboration networks generally includes a data processing system adapted to permit a plurality of group collaborators to perform financial transactions with a plurality of users or network participants. Representative embodiments of the present invention generally provide web-based financial collaboration systems that may...

20060206417 - Method for endowing a tax exempt organization using a key member and while increasing net worth of a donor: A method for establishing a contractually guaranteed and lucrative endowment fundraising program. The program utilizes a third party lender, such as a bank, that finances a premium for a life insurance policy. The life insurance policy is owned by the tax-exempt organization for the life of a key person of...

20060206415 - Method for facilitating the acquisition of a life insurance policy: The invention provides a novel method of facilitating the acquisition of a life insurance policy on the life of an insured. The method involves interaction among a borrower, a lender, a service provider and a collateral agent. Using the inventive method of the present invention, the borrower is able to...

20060206419 - Business process and user interfaces for money transfer: The present invention is a control system and set of methods for providing and controlling a money payment transaction through a network. The methods comprise determining the values of several variables which influence the fee charged for the transaction by choices from an array of selections, and then charging a...

20060206420 - Method and system to create and distribute excess funds from consumer spending transactions: An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network composed of subscriber/payors, neutral merchant/collectors, a central clearinghouse, and provider...

20060206418 - Methods and apparatus for updating credit bureau data: Methods and apparatus to update credit bureau data are disclosed. The methods and apparatus provide a credit reporting transport server that stores credit information sent by the credit data providers. This data may be queued by the credit reporting transport server and forwarded to the credit bureau servers. Although credit...

20060206421 - System and method for enhancing financial institution revenues through acceleration of debit processing: A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction...

20060206427 - Approving ach operator processing of ach payments based on an originating depository financial institution's approved originator list: Approving automated clearing house (“ACH”) payments for processing by an ACH operator is based on an approved originator list identifying originators authorized by an originating depository financial institution (“ODFI”) to originate ACH payments and to send those ACH payments to the ACH operator on behalf of the ODFI. The ACH...

20060206425 - Electronic payment system for financial institutions and companies to receive online payments: The present invention provides an a electronic payment system for bank, financial institutions, portals and companies to receive payment from their customers for one or more payees. The electronic payment system allows payer (consumer or business) to use any funding method (bank account, credit/debit cards or any other business or...

20060206422 - Method and system for determining and providing communications service based on a customer request: According to the present invention, a customer transmits a request for service to a Service Comparison/Acquisition Provider (SCAP). The request defines parameters related to the service, such as the type of device to be used, the address of the device to be communicated with, the duration of communication, an access...

20060206426 - Promise to purchase real estate system and method: The present system and method seeks to lessen impacts of market fluctuations, transaction costs, and other detrimental factors associated with conventional dwelling purchases while seeking also to provide more options in selection of dwellings to choose from by the household seeking such a dwelling. An exemplary i