Data processing: financial, business practice, management, or cost/price determination inventions 10/06

20060241959 - Business alerts on process instances based on defined conditions: System and method for notifying a user of an occurrence of a defined condition in a process. The process includes a plurality of event records associated with the process; each of the plurality of event records includes a plurality of data fields having data relating to the process. A subset...

20060241960 - Business function control method for a print type calculator: A business function control method for a print-based calculator, having a printer, a display screen, a key set, and COST, SELL and MARGIN % buttons. A first condition input step is provided to input a value of one of the COST, SELL and MARGIN % conditions as a first condition...

20060241962 - Context-driven transaction reports: Reports are automatically generated based on data currently displayed in a user interface such as a transaction register. The report generation is unobtrusive, allowing the user to continue to work with the current portion of the user interface before, during, and after the report is displayed. The report generation is...

20060241955 - Data compilation system and method: A method, computer program product, client, and server application configured to store information associated with a subset of users of a media distribution service in a memory. At least one distribution history data set is compiled for each member of the subset of users. The at least one distribution history...

20060241950 - Decision support system and method: The invention provides a decision support method comprising: for two or more predefined criteria each criterion associated with one or more pre-defined categories, determining a point value for each category on each criterion by the pairwise ranking of profile pairs wherein each profile comprises a set of two or more...

20060241951 - Embedded renewable energy certificates and system: A novel means of marketing the environmental attributes of renewable energy or emissions credits. By selling these attributes together with the item whose energy or emissions impact they neutralize, Mainstay Energy offers to make more concrete and compelling the value these attributes represent. The sale may take the form of:...

20060241949 - Imaging process for financial data: An imaging system, including a visualisation module for generating image display data representing at least one three-dimensional object at the origin of a spatial coordinate system, the dimensions and colour of each object being determined on the basis of financial data for a corresponding financial product. The colour of each...

20060241958 - Method and apparatus for providing compatible components for purchase: Online purchasing of components compatible with particular hardware devices of a computer system. In one aspect, the identity of a hardware device capable of communicating with computer systems is automatically determined. At least one component for the hardware device is displayed on a computer system based on the identity of...

20060241954 - Method and system for adaptive action management for business solutions: A method (and system) of adaptive action management for business solutions includes detecting a business situation, adaptively deciding an action for a detected business situation using information from a knowledge base, and invoking an action service for implementing the action....

20060241963 - Method and system for anonymous communication of information about a home: A system for establishing anonymous communications includes a plurality of party terminals, a plurality of requester terminals, and a central controller. The system receives and stores party data about respective parties. In some embodiments, a party may be a homeowner. Upon receiving criteria for parties of interest from a requester...

20060241964 - Method and system for anonymous communication of information about a home: A system for establishing anonymous communications includes a plurality of party terminals, a plurality of requester terminals, and a central controller. The system receives and stores party data about respective parties. In some embodiments, a party may be a homeowner. Upon receiving criteria for parties of interest from a requester...

20060241961 - Methods of optimizing legacy application layer control structure using refactoring: In accordance with embodiments of the present invention, methods and systems redesign a business application composed in a first programming format by receiving a model representing the business application in a second programming format and processing the model using a code refactoring tool in the second programming format. A modification...

20060241952 - Online multidisciplinary collaborative divorce system: An online system providing an internet-based programmed application service in support of multidisciplinary collaborative divorce proceedings. The system includes an interactive introduction web page for viewing and entering information identifying the divorce proceeding and the parties involved including a bulletin board for viewing and entering short messages, an interactive information...

20060241967 - Playable media delivery capacity exchange method: A network based distribution system and method is disclosed for exchanging capacity between subscribers for distribution of playable media items, such as movies in a digital format. The system allows subscribers to exchange capacity directly between themselves, and/or to have such exchange performed automatically on their behalf....

20060241957 - Proactive support process using case activity rate: A system and method are presented for analyzing service case data in order to optimize the amount of physical material and human resources needed to maintain operation of complex systems, such as information handling systems. A first set of data related to the one or more customer's experience with one...

20060241953 - Real estate matching by predetermined design: A method of matching buyers and sellers of real estate with specific, predetermined designs for alteration, reconstruction, and renovation of a seller's property with a buyer's requirements. The method includes reviewing property by a skilled home designer for possible modifications to make the property more desirable to potential buyers. Creating...

20060241956 - Transforming business models: The present invention extends to transforming business models. A business model representing a business layer of a business architecture is accessed. An indication that the business model is to be transformed is received. Transformations can include transforming the level of detail in a business model of transforming a business model...

20060241965 - Vending machine system and method for encouraging the purchase of profitable items: This invention relates generally to systems and methods for delivering products-on-demand to individuals and, more particularly, to delivery via vending machines. In accordance with a preferred embodiment, the method of the instant invention is initiated when a customer makes an initial product selection. Based the customer's product choice, a determination...

20060241966 - Vending machine system and method for encouraging the purchase of profitable items: This invention relates generally to systems and methods for delivering products-on-demand to individuals and, more particularly, to delivery via vending machines. In accordance with a preferred embodiment, the method of the instant invention is initiated when a customer makes an initial product selection. Based the customer's product choice, a determination...

20060241969 - Health cost avoidance system: Complications of various diseases have ascertainable direct costs and indirect costs. A method of projecting direct and indirect cost savings which may be realized from targeted interventions for achieving desired clinical outcomes which may result in the avoidance or mitigation of the complication is provided. Further, a comprehensive patient care...

20060241972 - Medical outcomes systems: A method of measuring the effectiveness of a surgical or medical treatment carried out on a patient population is provided. The method involves the steps of selecting a patient population, deriving pre-treatment score and post-treatment scores for each patient based on their questionnaire responses to quality of life-related criteria, deriving...

20060241975 - Multi-user remote health monitoring system with biometrics support: A method for monitoring a physiological condition of a user with an apparatus in a computer network is disclosed. The method generally includes the steps of (A) storing authorization information in a nonvolatile condition within the apparatus, the authorization information being suitable for identifying at least one of (i) one...

20060241971 - My smileguide: An oral health risk assessment and educational tool, which provides demographic, longitudinal and cross sectional health, and attitude data and management of these data sets for clients and users....

20060241968 - Ndma scalable archive hardware/software architecture for load balancing, independent processing, and querying of records: A system for storing NDMA data is scalable to handle extreme amounts of data. The system allows components to be added or deleted to meet current demands. The system processes data in independent steps, providing processor level independence for every subcomponent. The system uses parallel processing and multithreading within load...

20060241970 - Process and device for health orientation: The invention concerns a process for health orientation of a person comprising (a) measuring at least one body property (physical attribute or vital statistic) of the person, which characterizes a health condition of the person, with at least one measuring device (1, 3, 5, 7); (b) transmitting the at least...

20060241973 - System and method for employee health and productivity improvement plan: A system and method facilitates an employer to make tax-deferred payments into an employee's account as an incentive to live a healthier lifestyle. The system awards tax-deferred contributions to individuals based on accomplishments in a number of categories. Each category, such as exercise regimen, provides some indication of an individual's...

20060241974 - System and method for peer-profiling individual performance: Embodiments of the invention provide a comprehensive, automated system and method for evaluating the performance of individuals or entities employed by an organization, particularly useful in peer-profiling physician performance in multi-facility environments. Embodiments of the invention can dynamically compose a virtual peer or group of peers and perform peer-profiling on...

20060241978 - Electronic clinical chart system: An electronic clinical chart system having a search function based on comparison including measurement data obtained at the examination stage when a doctor in charge searches for similar case patients showing a symptom and the results of examinations similar to those of a new patient from past cases stored in...

20060241979 - Medical image filing system and medical image filing method: A medical image filing system comprises a primary storage device and a secondary storage device. In addition, the medical image filing system comprising: an image secondary storage condition setting unit for presetting a secondary storage condition to secondarily store a medical image data to the secondary storage device; an image...

20060241977 - Patient medical data graphical presentation system: A system provides a comprehensive overview of patient health problems and treatments over an extended period of time in a graphical representation of diagnostic procedures, sites of disease and interventions. A user interface system for presenting patient medical information, includes at least one medical data repository including medical data identifying...

20060241976 - System and method for determining cpt codes: A system for determining an applicable CPT code for the patient encounter. The system, in one form, includes a paper form defining a history section, an examination section and a complexity section. Each of the history and examination sections includes a plurality of point indicators, each of which is associated...

20060241980 - Medical professional liability policy with independent limits of indemnification for different categories of damages: A new and improved method for establishing independent limits of indemnification for different categories of damages is herein disclosed. A medical professional liability insurance policy includes a first coverage amount for damages awarded for pain and suffering and a second coverage amount for economic damages....

20060241982 - Method and system for automated processing of insurance information: A method and system for automated processing of insurance information. A universal electronic insurance application form is automatically created and sent and received electronically. The universal electronic insurance information form includes a set of common insurance census information required by health insurance carriers to provide health insurance quotes. The universal...

20060241981 - System and method for early identification of safety concerns of new drugs: Method and system for identifying safety concerns regarding a new drug. In one example, a database of healthcare claims is utilized and the method may include identifying from the database a first group of patients that have received the drug; extracting one or more medical events that the first group...

20060241983 - Customer centric travel system: A customer-centric travel information management system includes one user record dedicated to each travel user, a user information storage area configured to store information release authorizations, personal request information, information input into the user information storage area for transmission to the user, and a user identification; a user interface; a...

20060241984 - Fare and yield driven travel services optimizer for a budget based request system: A budget based request system includes a travel segments inventory operatively connected to a fare and yield driven travel services optimizer, each travel segment having a yield criteria indicating a degree of difficulty in selling the travel segment. The optimizer responds to a trip search request by determining a travel...

20060241985 - System and methods for transportation utilization and control: A complete logistics and transportation management system, with a number of integrated software and hardware components integrated to provide a total system for scheduling transportation assets and all deliveries of outbound products, and all inbound returns of products for repair and remediation. Collection of data throughout the system at various...

20060241987 - Communication of project information: A system, a method and computer-readable media for presenting project information to a user. A project is represented by multiple objects. Items of information are received, and each of these items is associated with one of the objects. A user input selecting an object is received. In response to this...

20060241989 - Financial planning method and computer system: A computer system, program, and method for assisting financial professionals in determining appropriate financial products (or clients. The system and method present a first set of questions to a client and receives a first set of answers, then the system presents subsequent sets of questions to the client which are...

20060241988 - Method and system for generating an assignment binder within an assessment management system: A system of hardware and software provides a systematic and systemic method for performing assessment of the effectiveness of different levels within an institution. The system includes template driven definitions that span multiple tiers of hierarchically arranged operating units within the institution thereby providing flexibility and customization to handle a...

20060241986 - Production optimizer for supply chain management: One embodiment of the invention provides a method for optimizing a supply chain management (SCM) problem. A genetic algorithm optimization technique may be used to generate a production solution for the production side of an SCM problem and an ant colony optimization technique may be used to generate a solution...

20060241994 - Automated support for monitoring and managing knowledge work: A system for activity tracking of a project on a network is disclosed. The system comprising means for configuring desk and non desk based activities and applications. The system further comprises means for tracking and monitoring the configured activities and application depending on the priority assigned to each configured activity...

20060241991 - Internal audit operations for sarbanes oxley compliance: A system provides audit opinions on an enterprise's organizations, processes, risks, and risk controls. The system first evaluates the enterprise's set of risk controls. The audit opinions of the set of risk controls are used to evaluate the set of risks associated with the set of risk controls. The audit...

20060241992 - Method and system for flexible modeling of a multi-level organization for purposes of assessment: A system of hardware and software provides a systematic and systemic method for performing assessment of the effectiveness of different levels within an institution. The system includes template driven definitions that span multiple tiers of hierarchically arranged operating units within the institution thereby providing flexibility and customization to handle a...

20060241993 - Method and system for importing and exporting assessment project related data: A system of hardware and software provides a systematic and systemic method for performing assessment of the effectiveness of different levels within an institution. The system includes template driven definitions that span multiple tiers of hierarchically arranged operating units within the institution thereby providing flexibility and customization to handle a...

20060241990 - Transportation planning with multi-level pooling model: Systems, methodologies, media, and other embodiments associated with multi-level pooling in transportation planning are described. One exemplary method embodiment includes, co-operatively and in parallel choosing pooling points and order-legs to consolidate. The example method may also include constructing a cost-optimal trip based, at least in part, on the contemporaneously chosen...

20060241996 - Method, system and program product for monitoring work items: Under the present invention queues are associated with each of a set (e.g., one or more) of work lists of work items to be monitored. Work items that are desired to be monitored are designated by selecting the users assigned thereto. In so selecting, the present invention allows all users...

20060241999 - Methods of exposing a sequence of instructions into an object-oriented programming language: Embodiments of methods and systems consistent with the invention transform business application operations, rules, and schemas into OOP constructs that represent the operation, rule, or schema, emulate its operation in terms of sequence with other operations, and represent its relationship(s) to the data it operates with and upon in the...

20060241997 - System and method for integrating workflow processes with a project management system: A project management system is integrated with a workflow engine to provide automatic coordination of project tasks and workflow processes. The workflow engine provides support for defining logical expressions that determine a path of execution for the defined workflow tasks. In addition to composition capabilities, the workflow engine may execute...

20060241995 - Task-based interface with underlying extensible framework: A computer-implemented method is disclosed. The method is for enabling a user to efficiently navigate to a portion of a user interface configured to support performance of a particular task. The method includes receiving from the user an input that includes a description of the particular task. A result set...

20060241998 - Visualizing multiple time zones in a calendaring and scheduling application: A method, system and apparatus for visualizing multiple time zones can include a C&S application, an event schedule managed by the C&S application, and multiple time zone processing logic coupled to the C&S application. The multiple time zone processing logic can determine a time zone for each participant to a...

20060242001 - Method for assembling and assessing events for extracting structured picture of anticipated future events: Disclosed is a method of mapping structured anticipated future events in a domain. The method comprises: assembling an event field to comprise a depository of events related to the domain, assessing the events from the event field to formulate at least one subset having high probability anticipated future events, and...

20060242000 - System and method for capturing and consolidating leads: The present invention is directed to a system and method for capturing and consolidating a plurality of leads, each lead comprising a potential consumer customer. The method for capturing and consolidating a plurality of leads includes the steps of sourcing the plurality of leads, capturing consumer data related to the...

20060242005 - Comprehensive method to improve manufacturing: A comprehensive method to train and aid manufacturers in identifying inefficiencies in product manufacturing processes and in improving such processes. The method includes placing individuals in roles associated with a complete manufacturing operation from supply acquisition through to product delivery in the simulation of a product to be made. The...

20060242004 - Method and system for curriculum planning and curriculum mapping: A system of hardware and software provides a systematic and systemic method for performing assessment of the effectiveness of different levels within an institution. The system includes template driven definitions that span multiple tiers of hierarchically arranged operating units within the institution thereby providing flexibility and customization to handle a...

20060242003 - Method and system for selective deployment of instruments within an assessment management system: A system of hardware and software provides a systematic and systemic method for performing assessment of the effectiveness of different levels within an institution. The system includes template driven definitions that span multiple tiers of hierarchically arranged operating units within the institution thereby providing flexibility and customization to handle a...

20060242002 - Validation and analysis of jdf workflows using colored petri nets: A method and system for translating a JDF workflow into a colored Petri net representation. Once the workflow has been converted, the colored Petri net is validated and analyzed. This provides the ability to identify potential deadlock conditions within a JDF workflow. In addition, the model network can be used...

20060242018 - Apparatus, system and business method for managing digital media rental subscriber bases: A business method includes the steps of providing a referral advertisement for a digital media subscription and receiving a request to subscribe in association with the referral advertisement. The method further includes receiving a request to distribute a promotional item operable to store a subscriber-based deliverable to a digital media...

20060242021 - Attrition of affinity points: Affinity points issued to customers as premiums for other activities or for purchases are maintaining for each customer an account of accrued affinity points. Each customer has a respective account of accrued affinity points that he or she can use to engage in wagering with gaming credits in the form...

20060242008 - Behavior encouragement contest method: A behavior encouragement contest method includes conducting a contest to encourage a behavior among users of a service. The contest results in one or more winners that are provided an award....

20060242024 - Business method for promoting goods and services of providers: A business method for promoting goods and services of providers includes the steps of designating a group of targeted recipients, and storing demographics information of each recipient in an electronic database. A plurality of direct mail items including provider promotions is generated, and each marked with a machine-readable ID code...

20060242022 - Communication apparatus and communication system and method for calculating advertisement rates: A communication system to which a method for charging a user based on the fact that the user got advertisement information from a base station and dropped in at a shop associated with the advertisement information can be applied and a method for calculating an advertisement fee. A server system...

20060242014 - Contacts networking technology: A referral and recruitment system hosted on a webserver for recruitment, fundraising or advocacy campaigns. Users on the Internet with browsers are able to log-on as clients to post and refer charitable donations or job opportunities, for example. At the heart of the server is an incentive engine that tracks...

20060242012 - Determining or scoring properties to solicit to join ad network using advertiser or aggregated advertiser interest: An advertiser can request to advertise on a property (online or offline) that does not participate in advertising network. The advertiser may specify how much it would be willing to pay to advertise on the property, among other constraints (e.g., time, geotargeting, etc.) An advertising network or an independent entity...

20060242016 - Dynamic advertisement system and method: A dynamic advertisement method, system and computer program product for receiving a request for a content file from a user. An ad insertion file associated with the content file is processed, such that the ad insertion file associates one or more advertisements with the content file. The insertion of the...

20060242019 - Method and apparatus for offering forward commitment agreements: The invention includes a system and method for presenting forward commitment agreements to consumers proximate to a benefit dispensing device such as a vending machine or an automatic teller machine. A controller is in communication with one or more benefit dispensing devices and one or more merchant devices. Merchants devise...

20060242020 - Method and apparatus for offering forward commitment agreements: The invention includes a system and method for presenting forward commitment agreements to consumers proximate to a benefit dispensing device such as a vending machine or an automatic teller machine. A controller is in communication with one or more benefit dispensing devices and one or more merchant devices. Merchants devise...

20060242011 - Method and system for automatic, customer-specific purchasing preferences and patterns of complementary products: A method and system that provides for the automatic identification of complementary retail items, based upon a selection of specific characteristics of a consumer's shopping pattern or history, is provided. More particularly, the present invention relates to a method and system that provides for a methodological analysis of selected shopping...

20060242017 - Method and system of bidding for advertisement placement on computing devices: A computer system and method for processing a search query directed to a collection of pages includes receiving a search query of a user, identifying one or more result pages from the collection of pages in response to the search query, comparing keywords of the search query and a concept...

20060242015 - Method of bridge advertising: A method of providing advertising on a bridge, and a method of doing business that is a method of bridge advertising. The method requires among other requirements, obtaining the rights from the bridge owners to do the advertising. It also deals with an advertising medium and structure that appear to...

20060242006 - Method of fee recovery for free cellular service through advertising: The user of a cell phone service must listen and respond to advertisement in advance of placing a call, whereupon a portion of the advertising revenues paid to the cell phone service are used to pay for the user's access fee to use the cell phone service, resulting in incentivized...

20060242013 - Suggesting targeting information for ads, such as websites and/or categories of websites for example: One or more keywords and/or information about one or more properties may be accepted, and a set of one or more taxonomy categories may be determined using at least some of the keyword(s) and/or property information. Each of the taxonomy categories may be a vertical category, and at least one...

20060242023 - System and method for configuring products over a communications network: The invention relates to a method for the automated selection of formulations and/or formulation components by specifying product characteristics. In particular, the system and method serve customers within market segments that use selected components as raw materials for manufacture of specialty products and that require an understanding of how the...

20060242009 - System and method of providing advertisements to portable communication devices: A method of advertising is disclosed and includes monitoring the location of one or more portable communication devices in communication with a data network as the one or more portable communication devices travel within a user vehicle along a freeway. The method further includes determining whether the one or more...

20060242010 - System and method of providing advertisements to wi-fi devices: A method of advertising is disclosed an includes monitoring at least one Wi-Fi access point of a Wi-Fi network. Also, the method includes identifying at least one Wi-Fi device after the at least one Wi-Fi device associates with the Wi-Fi access point and determining at least one type of media...

20060242007 - Systems and methods for advertising payments: Methods and systems for generating a pay-for-performance search result by advertiser(s), who may or may not have a website or internet presence, through the Internet, wireline, and/or mobile phone network, that directly connects users to the advertiser(s) over a communication channel (e.g. cellular, wireline, VoIP phone network). Method includes receiving...

20060242025 - Communication terminal device, communication system, communication method, and program: A communication terminal device, a communication system, a communication method, and a program which can realize the functions of joining and exiting from a network in the middle of communication, detecting disappearance of stations (communication terminals), and/or changing over a coordinator function. The communication terminal has the capabilities of: detecting...

20060242026 - Distributed electronic commerce system with centralized point of purchase: An electronic commerce system includes a broker that enables customers to purchase items from merchants. A customer interacts with the merchant to identify items to purchase, and the merchant directs the customer to the broker in order to complete the transaction. The broker receives a description of a virtual shopping...

20060242027 - Internet-based duty-free goods electronic commerce system and method: An Internet-based duty-free goods electronic commerce system comprising an Internet communications server for Internet-based communications with system users, flight data (or other travel means data) sources, duty-free merchants and other system participants, a system application server comprising computer processor means at the system-end for processing communications among the Internet communications...

20060242028 - Purchasing, redemption and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network: Purchasing, redemption and settlement systems and methods are provided wherein a buyer takes possession of a product at a retailer. A purchasing system may communicate with a buyer through a communication network to establish a first price for a product between the buyer and a seller. The purchasing system may...

20060242029 - System and method for reselling a previously sold product: A seller, having previously sold a product to an original purchaser subject to a buyout-provision condition, determines if the buyout-provision condition is satisfied. If the buy-out provision condition is satisfied, the seller retakes the product from the original purchaser and resells the product to a subsequent purchaser....

20060242031 - Interactive exploded view diagram ordering tool: The present invention provides a method and computer-readable medium for executing a method of placing an order for a sub-component (part) of a product, including generally three steps: displaying a diagram depicting sub-components of a product in an exploded view on a user screen; receiving a user selection of a...

20060242032 - Interactive exploded view diagram ordering tool: The present invention provides a method and computer-readable medium for executing a method of placing an order for a sub-component (part) of a product, including generally three steps: displaying a diagram depicting sub-components of a product in an exploded view on a user screen; receiving a user selection of a...

20060242030 - Presenting compatible components and system conditions for computer devices: Presenting system and device conditions and purchasing options for components compatible with hardware devices of a computer system. In one aspect, an operating system determines the identity of a hardware device in communication with the operating system, communicates over a network to receive current purchasing information related to the hardware...

20060242033 - Future value prediction: A method of predicting a future value of a key performance indicator (KPI) is disclosed. The method comprises: a) retrieving, from a database, a data set from which the present KPI value can be derived; and b) operating on data extracted from the data set using a prediction algorithm to...

20060242034 - Electronic account book generating system and method: An electronic account book generating method for providing a user at a terminal device to connect to the generating system through a network to control import/export operation, thereby accelerating the speed of declaration and upgrading the ability of keeping data of the import/export commodities and materials, the method comprising the...

20060242035 - Data analysis method and system: A method for automatically analysing a data set is disclosed. The data set comprises a plurality of data items together representing an aspect of the performance of an entity. Each item has a descriptor value within each of one or more categories of description data and associated performance data values....

20060242036 - Purchasing, redemption and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network: Purchasing, redemption and settlement systems and methods are provided wherein a buyer takes possession of a product at a retailer. A purchasing system may communicate with a buyer through a communication network to establish a first price for a product between the buyer and a seller. The purchasing system may...

20060242042 - Calculating tax amount where multiple tax types may apply: A computer program product for calculating a tax amount where multiple types of taxes may apply to a transaction is tangibly embodied in an information carrier and includes first data structures comprising tax formulas. Each of the tax formulas is associated with one of several tax types. The computer program...

20060242044 - Checkless funds disbursement systems and methods: A method of providing checkless disbursement of cash due as a funding from a financial transaction includes receiving at an input terminal on a networked system a request for checkless disbursement of cash due as a funding from a financial transaction, the request including information identifying a customer requesting the...

20060242049 - Credit score and scorecard development: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving...

20060242037 - Marketing support device and marketing support method: An apparatus and a method for assisting the marketing in which a service provider acts as proxy to send messages to healthcare people, as customers, who have met preset conditions, out of the totality of customers, and in which the healthcare people, who have received the messages, approve an MR...

20060242046 - Method and apparatus for consumer interaction based on spend capacity: Share of Wallet (“SoW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving...

20060242048 - Method and apparatus for determining credit characteristics of a consumer: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving...

20060242051 - Method and apparatus for development and use of a credit score based on spend capacity: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving...

20060242039 - Method and apparatus for estimating the spend capacity of consumers: Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability may be reliably identified and utilized to promote additional consumer spending....

20060242047 - Method and apparatus for rating asset-backed securities: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving...

20060242050 - Method and apparatus for targeting best customers based on spend capacity: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving...

20060242041 - Method and financing system for funding a personal account: A method of funding a personal savings account is accomplished by a donor selecting a personal account to be funded, the donor using a financial instrument which generates an embedded fee or an awards or loyalty program, and directing a portion of the embedded fee or awards program into the...

20060242040 - Method and system for conducting sentiment analysis for securities research: A computer system performs financial analysis on one or more financial entities, which may be corporations, securities, etc., based on the sentiment expressed about the one or more financial entities within raw textual data stored in one or more electronic data sources containing information or text related to one or...

20060242038 - Method for charging costs of enjoying contents transmitted over a telecommunications network, preferably by the internet network, and related system: The invention concerns a method for charging costs of enjoying contents transmitted over a telecommunications network, preferably the Internet network, wherein chargeable contents, in the shape of one or more digital documents or files, are transmitted from at least one server (3) of a Contents Provider (or CP), which a...

20060242043 - Method for predicting option performance: A method for predicting an option's performance includes calculating three components of the set of components including decay profit and loss, implied volatility profit and loss, directional profit and loss and total option profit and loss. Once the three components are calculate, simple addition and subtraction is used to derive...

20060242045 - Tax attenuation and financing: A method for tax attenuation in accordance with the present invention matches an income stream from an investment to a cost of debt to hold the cost of the tax in abeyance. An amount is invested to gain returns. An amount is borrowed at a cost to pay the tax...

20060242052 - Variable product reinsurance: A Variable Product reinsurance structure including: (i) a reinsurance Agreement between a Variable Product issuer (Ceding Company), and a separate account or Cell of a reinsurer, qualifying for (re)insurance accounting under FAS 133; and (ii) a plurality of derivative instruments qualifying for mark-to-market accounting under FAS 133, designed to hedge...

20060242054 - Electronic real estate bartering system: A real estate bartering system implements barters between a plurality of parties each having one or more classes of items available for barter. Preferably, barter orders are created by designating a selected quantity of a first class of items to be bartered, designating a date range for transferring title of...

20060242053 - Interactive auction style system and method for coordinating user activities: Embodiments enable auction style dating comprising posting and bidding for activities which have at least a temporal component. Bids are a commitment from a bidder to attend an activity posted by a posting member that occur at a given time and possibly location. Embodiments of the invention enable an auction...

20060242055 - System and method for encouraging competitive participation in an auction: In both an on-line and a conventional auction, an auctioneer may encourage competitive bidding behavior through the provision of rewards to those bidders whose bids meet predetermined criteria. For example, a bidder may be rewarded if her bid exceeds a prior bid by a threshold value. An auctioneer may further...

20060242056 - System and method for encouraging competitive participation in an auction: In both an on-line and a conventional auction, an auctioneer may encourage competitive bidding behavior through the provision of rewards to those bidders whose s bids meet predetermined criteria For example, a bidder may be rewarded if her bid exceeds a prior bid by a threshold value. An auctioneer may...

20060242057 - Method and loan for financing a property expense increase associated with rising property value: A method for financing increases in property expenses, such as increases in property taxes and insurance premiums, associated with an increase in property value. Under a secured increase loan, a lender agrees to pay the increase of the expenses, either one-time or annually, above the borrower's initial or existing expenses...

20060242060 - System and method for the collection and management of firearm transactions and logs: A system and method for the collection and management of firearm transactions and logs for facilitating firearm transfer processes and maintenance of firearm logs and manifests pursuant to federal, state, and local regulations. The present invention further enables the synchronization, accessibility and transferability of the collected and managed information between...

20060242059 - Transaction settlement using value exchange systems and methods: A method of settling a purchase transaction includes establishing an account on behalf of a customer. The account relates to a quantity of service and establishing the account includes establishing an exchange ratio that equates the quantity of service to a measure of value. The method also includes thereafter receiving...

20060242058 - Transaction system: The present invention provides a method of performing secure transactions between a first party and a second party. The method includes having the first party provide payment details to the second party. The second party then responds by generating a payment request including an indication of the first party and...

20060242061 - Methods and systems for netting of payments and collateral: The present invention generally provides for systems and methods for netting payments and collateral. Generally, systems and methods of the present invention maximize market liquidity and minimize financial risk and collateral burdens of participants....

20060242062 - Remote check deposit: In accordance with the principles of the present invention, a system is provided for capturing a customer deposit at their place of business, converting the Magnetic Ink Character Recognition (MICR) data encoded documents into an image with an associated data file, and electronically transmit the data to a financial institution....

20060242063 - Remote check deposit: In accordance with the principles of the present invention, a system is provided for capturing a customer deposit at their place of business, converting the Magnetic Ink Character Recognition (MICR) data encoded documents into an image with an associated data file, and electronically transmit the data to a financial institution....

20060242069 - Digital rights management for local recording and home network distribution: The systems disclosed here provide a complete standards-based end-to-end scalable system for storage, delivery and in-home distribution of digital content over IP networks using standard protocols such as Real-time Transport Protocol (“RTP”) or IP-encapsulated MPEG-2 Transport Stream, or traditional MPEG-2 networks. Mechanisms are provided for receiving content from one security...

20060242070 - Hard disk recording and playback device: A hard disk recording and playback device includes: a control unit that performs a control such that an electronic program guide is displayed on a display device, the electronic program guide including a series distinction item, an ON/OFF item for turning on/off a series distinction function, and a number information...

20060242064 - Method for creating control structure for versatile content control: The mobile storage device may be provided with a system agent that is able to create at least one hierarchical tree comprising nodes at different levels for controlling access to data stored in the memory by corresponding entities. Each node of the tree specifies permission or permissions of a corresponding...

20060242071 - Method for minimizing pirating and/or unauthorized copying and/or unauthorized access of/to data on/from data media including compact discs and digital versatile discs, and system and data media for same: A method authenticates at least one of a media and data stored on said media in order to prevent at least one of piracy, unauthorized access and unauthorized copying of the data stored on said media. At least one predetermined error is introduced with the data resulting in mixed data....

20060242065 - Method for versatile content control with partitioning: In some mobile storage devices, content protection is afforded by dividing the memory into separate areas where access to protected areas requires prior authentication. While such feature does provide some protection, it does not protect against a user who obtained a password by illicit means. Thus, another aspect of the...

20060242068 - Method forversatile content control: The owner of proprietor interest is in a better position to control access to the encrypted content in the medium if the encryption-decryption key is stored in the medium itself and substantially inaccessible to external devices. Only those host devices with the proper credentials are able to access the key....

20060242067 - System for creating control structure for versatile content control: The mobile storage device may be provided with a system agent that is able to create at least one hierarchical tree comprising nodes at different levels for controlling access to data stored in the memory by corresponding entities. Each node of the tree specifies permission or permissions of a corresponding...

20060242066 - Versatile content control with partitioning: In some mobile storage devices, content protection is afforded by dividing the memory into separate areas where access to protected areas requires prior authentication. While such feature does provide some protection, it does not protect against a user who obtained a password by illicit means. Thus, another aspect of the...

20060242072 - Method and system for creation, management and analysis of distribution syndicates: A method of distributing digital content or service over a communication network is provided. The method is effected by: (a) analyzing a request for distribution of the digital content or service; (b) generating a policy associated with the digital content or service; and (c) assembling a distribution syndicate of distribution...

20060242073 - Pluggable file-based digital rights management api layer for applications and engines: A pluggable file-based DRM (digital rights management) API (application program interface) layer for applications and engines. The invention defines a pluggable file-based DRM API layer such that mobile operators can choose to use any file-based DRM (FDRM) engine in their final product. An FDRM engine can be content agnostic (e.g.,...

20060242074 - Encrypting digital rights management protected content: The invention relates to a method, system and re-encryption module for handling protected content in a data communications network comprising a content server providing digital rights management protected content to a distributor. The method comprises re-encrypting digital rights management protected content provided by the content server with a distributor-specific key....

20060242075 - Trusted infrastructure support systems, methods and techniques for secure electronic commerce, electronic transactions, commerce process control and automation, distributed computing and rights management: The present inventions provide an integrated, modular array of administrative and support services for electronic commerce and electronic rights and transaction management. These administrative and support services supply a secure foundation for conducting financial management, rights management, certificate authority, rules clearing, usage clearing, secure directory services, and other transaction related...

20060242076 - Transmission device, reception device, transmission method, reception method, transmission program, reception program, and computer-readable storage medium: A transmission device is capable of transmitting data to a reception device via a transmission route and includes a digital content storage section for storing data under copyright protection. The data stored in the digital content storage section includes protection information for indicating whether the data is under copyright protection...

20060242077 - Integrated development environment for managing software licensing restrictions: The present invention generally provides methods, systems, and articles of manufacture that provide a managed software development environment. In one embodiment, software programmers interact with the managed software development environment to develop a target software application. Embodiments of the invention prevent source code from being included in the target software...

20060242083 - Method and apparatus for license distribution: A method and apparatus for license distribution are disclosed. An endpoint requests information from a server related to information required for the server to grant a license. The server provides the required information to the endpoint. The endpoint obtains the required information, and forwards the information to the server. The...

20060242082 - Method and system for protecting of software application from piracy: The present invention is directed to a method for protecting a software application from unauthorized use, the method comprising the steps of: executing a first part of the software application by a user's machine; executing a second part of the software application on a remote server accessible by the user's...

20060242078 - Rights management system for streamed multimedia content: A computing device segregates licenses for corresponding content according to relatively short lived licenses for relatively short lived content and relatively long lived licenses for relatively long lived content. The computing device stores the relatively short lived licenses in a more temporary and volatile license store, and the relatively long...

20060242079 - Rights management system for streamed multimedia content: A receiver tunes content and initially does not locate information relating to requirements for a corresponding license, and therefore constructs a default message including default requirements and sends such constructed default message with such default requirements to a computing device that is to render the content. The computing device upon...

20060242080 - Rights management system for streamed multimedia content: To communicate requirements for a digital license from a receiver of corresponding digital content to a computing device upon which the digital content is to be rendered, the receiver tunes the content and locates within the content information relating to the requirements for the license, constructs the requirements from the...

20060242081 - Supplementary trust model for software licensing/commercial digital distribution policy: A flexible use licensing system for an application comprising a plurality of licensable products is provided comprising an application level product policy definition license, and a licensable product policy definition license corresponding to each licensable product. The flexible use license further comprises a rights account certificate for validating the use...

20060242084 - Consumer data credit or debit card: A consumer data credit card or debit card or personal computer wallet linked to an Internet master catalogue of products. The consumer data card empowers the small credit card or debit cardholder against retailers, by mining and analyzing their consumer profile data, for anticipated purchases, and then leveraging the consumer's...

20060242085 - Financial transaction processing system: An automated method provides an efficient arrangement for setting certain financial transactions using a debit point of sale transaction network, as opposed to routing over a credit network. The method and arrangement uses an onsite database of bank identification numbers to conduct a preliminary assessment of whether a particular card...

20060242086 - Shipment authentication and tracking: In one embodiment of the present invention, a source point in a supply chain generates a secret and devises a secret sharing scheme that parcels the secret into a number of secret shares. The source point retains at least one secret share, and distributes the remaining secret shares to trusted,...

20060242087 - Point-of-sale and declining balance system, and method, having a relay server for facilitating communication between front-end devices and back-end account servers: A point-of-sale and declining balance (“POS/DB”) system, and method of facilitating transactions thereon, that utilizes a relay server to facilitate communication between front-end devices and back-end devices that use different data formats. The relay server acts as a translator between the front-end device and the back-end account servers. In one...

20060242088 - System, method and program for managing information: To create signature data which certifies the time when information existed and add it to the information more efficiently than before. A time certification system for certifying the time when information existed, comprising: an identity certification data acquisition section for acquiring identity certification data generated based on the information to...

20060242089 - Web based repair cost estimating system: A web based insurance estimating system. The system includes a client computer that can launch client-side integrated processing software through a web-based application. The system also includes a server that generates information for a repair cost estimate web page. The repair cost estimate web page is displayed at the client...

20060235718 - Album provision system and method: An album provision system is provided to prevent an album from being copied before it has not been charged for creating the album when the album is provided to a user. The album provision system includes: an image acquiring section for acquiring an image; an album creating section for creating...

20060235704 - America & europe reputation membership for overseas companies, enterprises, manufacturers, representatives: America & Europe reputation membership policy is created to augment reputation of overseas membership manufacturers, enterprises, companies, representatives in their own countries, its value is over a traditional advertisement, its purposes are to make their companies famous in business and to collect taxes by local government....

20060235707 - Decision support method and system: In accordance with the invention, there is a decision support method comprising collecting data about a set of components of an asset, wherein the data comprises information about the status of each component in the set of components. The method also comprises comparing the data to a set of requirements...

20060235709 - Dynamic distributed customer issue analysis: Methods and systems for managing a distributed and dynamic review of a set of information are described. A set of information instances (e.g., case summaries) are distributed over a computer system network to reviewer nodes. A list of review items (e.g., problem types) against which the information instances are to...

20060235712 - Electronic system and method to retrieve, process, and manage comparison asset information for investments and risk management information systems: An asset information management system is provided to facilitate investment information gathering, managing, trending, and sharing of information. In the preferred configuration, at least one computer system is connected to the Internet or other data source via a communications device. The communications device provides electronic data such as public data,...

20060235703 - Electronic transmission of documents: As a method which allows the most efficient possible exchange of electronic data and documents of a sender with multiple receivers, a method for the electronic transmission of data of at least one document from a sender to a receiver, particularly for the transmission of invoices, is suggested, in which...

20060235714 - Enabling flexible scalable delivery of on demand datasets: A method, apparatus and software for responding to a request for an on demand dataset by configuring and then executing a workflow process tailored to the requester's needs. The generated workflow gathers identified information from a repository, organizes its format and delivers it to the requester. The on demand dataset...

20060235719 - Intellectual property management method and apparatus: An intellectual property management facility for proactively creating, developing and managing an intellectual property portfolio includes: determining available resource capacity for an intellectual property activity in a tracking system; assigning technical attributes to the activity in the tracking system; apportioning resource capacity for the activity by technical attribute based on...

20060235708 - Method and apparatus for assessing products: An improved method, apparatus, and computer instructions for evaluating acquisition costs for a software product. A set of questions regarding the software product is presented. The set of questions are selected from a source. Costs for acquiring the software product are identified in response to receiving a user input to...

20060235717 - Method and system for manufacturing solar panels using an integrated solar cell using a plurality of photovoltaic regions: A method and system for manufacturing solar panels using an integrated solar cell using a plurality of photovoltaic regions. The method includes purchasing a first photovoltaic solar cell from a first entity for a first value. The method includes dicing the photovoltaic solar cell into a plurality of photovoltaic regions...

20060235705 - Method and system for time-sequential authentication of shipments in supply chains: In one embodiment of the present invention, a source point, or security management entity, within a supply chain labels a shipment to be shipped through the supply chain with numbers, text strings, or other type of label information. Different label information may be placed at each of multiple levels of...

20060235722 - Networked system for interactive communication and remote monitoring of individuals: A system for remotely monitoring an individual. The system includes a server system for generating a script program from a set of queries. The script program is executable by a remote apparatus that displays information and/or a set of queries to the individual through a user interface. Responses to the...

20060235716 - Real-time interactive completely transparent collaboration within pacs for planning and consultation: Certain embodiments of the present invention provide a system for improved conferencing and collaboration in a healthcare environment. The system includes an initiator workstation capable of sharing data over a network with a participant workstation and manipulating the shared data based at least in part on input from an initiator....

20060235715 - Sharable multi-tenant reference data utility and methods of operation of same: A multi-source multi-tenant reference data utility and methods for forming and maintaining the same, delivering high quality reference data in response to requests from clients, implemented using a shared infrastructure, and also providing added value services using the client's reference data. Included are data cleansing and quality assurance of the...

20060235723 - System and method for management of content associated with digital distribution and updatable storage media: A system and method for accessing and managing digital content associated with updatable storage media is provided. An exemplary management engine is initially installed onto a user computing device where the updatable storage media is utilized. The exemplary management engine comprises a content interface module which works in conjunction a...

20060235720 - System and method for managing marketing applications for a website: A system and method for managing marketing applications for a website is disclosed. The website has webpages that perform e-commerce transaction by offering products to users and customers of the website. The website is coupled to a database having database tables. The database tables include information in performing marketing processes...

20060235721 - System and method for managing marketing applications for a website: A system and method for managing marketing applications for a website is disclosed. The website has webpages that perform e-commerce transaction by offering products to users and customers of the website. The website is coupled to a database having database tables. The database tables include information in performing marketing processes...

20060235711 - System and method for online transaction: This invention discloses a system and a method for online transaction. The system sets a communication protocol of Digital Video Broadcasting-hand-held into a portable communication apparatus to receive and watch the multimedia commercials from a digital television provider. In addition, the system further sets a software program in the portable...

20060235710 - System and method for tracking items: The preferred embodiment of the present invention is directed to a method of operating an online rental program by a rental retailer. Specifically, rental items are delivered to a subscriber via an independent mail carrier such as the United States Postal Service, wherein a rental item is sent to a...

20060235706 - System and method to improve manufacturing: A system and related method for the rapid response to one or more product fabrication bid requests. The system includes a translation function for translating received product information into information suitable for a manufacturer to produce fabrication information. The system further includes a product fabrication function for generating product fabrication...

20060235713 - Tools and techniques for redirected expenditures fundraising: In a charitable donation arrangement (300), individual members (302) select (702) a service provider (308) using one interface (202), select (704) a charity (304) using another interface (204), and specify how funds from their payments (214) of recurring bills from the service provider should be redirected (328, 334) to the...

20060235727 - Knowledge-based disease management system to coordinate and improve patient care: A knowledge-based disease management system and method to coordinate and improve patient care, including a repository of accumulated knowledge and experience from which outcome data are reported and compared....

20060235724 - Method and system for providing low cost, readily accessible healthcare: A method for providing low cost, readily accessible healthcare includes providing a healthcare clinic at which a medical service is provided to patients during a visit to the healthcare clinic, receiving patient information from the patient where the patient information does not include insurance information, providing the medical service to...

20060235725 - Method for utilization of computer-assisted diagnosis tools: A computer-assisted diagnosis method and system for assisting doctors in diagnosis of patient aliments includes providing the computer-assisted diagnosis algorithm at a central location and providing client software at a doctor's or user's location for communication with the central location. Image data sets are communicated from the doctor's or user's...

20060235726 - System and method for pharmaceutical item and prescription management: A system for managing information about pharmaceuticals, patients and health care providers....

20060235729 - Application-specific biometric templates: Disclosed are techniques for transforming a biometric template so that each application uses a unique template format. One transformed template cannot be successfully matched to a second template extracted from the same biologic entity unless the second template is transformed so that its format is identical to that of the...

20060235728 - System and method for improved medical billing, payment, record keeping and patient care: A system and method for improved medical billing, payment, record keeping and patient care. The system and method includes a patient room computer containing a time clock algorithm, an electronic card reader connected to the patient room computer for reading a patient electronic card and for providing patient information contained...

20060235731 - Content filtering within a benefits content system: Described are methods and apparatus, including computer program products, for content filtering within a benefits content management the system. Benefits programs identifiers are defined within the benefits content system. A mapping rule is defined mapping one or more mapping elements into an access key. Values are retrieved for the one...

20060235730 - Indicating a pending content change within a benefits content system: Described are methods and apparatus, including computer program products, for indicating a pending content change within a benefits content system. A request to change a portion of content within the benefits content system is received. A work item is initiating in a work flow process in response to the request....

20060235732 - Accelerated process improvement framework: The present invention relates to a method and related system for assisting and expediting an organization production of a more mature product. The method and system may include implementation of processes using a combination of both electronic hardware and software and implementation locally or over a network such as an...

20060235734 - Method and system for determining buffer inventory size: A method and system for determining buffer inventory size. The method comprises the steps of selecting an item for which demand data is to be reviewed, collecting demand data from a data source that relates to the selected item, processing the demand data with a processing resource to determine the...

20060235733 - System and method for providing integration of service-oriented architecture and web services: A system and method for providing integration of service-oriented architecture (SOA) is provided. Generally, the method comprising the steps of: identifying SOA drivers, thereby determining matters that are driving the company to integrate the SOA and Web services into the company; developing a business initiative roadmap, thereby performing an analysis...

20060235736 - Method and apparatus for providing process guidance: A context-sensitive process guidance system provides process guidance based on context data from a system used in performing the process. The system may be a work item tracking system or similar project management tool. Process guidance may provide information to a user performing actions related to a process. Context data...

20060235735 - Method and system of channel resource allocation: The present invention relates to a method and system of transmissions and retransmissions of packet data in a communications system, where the communications system uses switched channels, switching between rates or channels of different characteristics, and connection control and management in such a system. Particularly, the invention relates to radio...

20060235737 - Quality control of authoring work flow within a benefits content system: A first change request is generated in a work flow process to implement a first change to a portion of content within the benefits content system. A first status indicator, indicating whether the first change has passed a quality check, is associated with the first change request. A second status...

20060235738 - Multi-authoring within benefits content system: Described are methods and apparatus, including computer program products, for multi-authoring within a benefits content management the system. Relationships are defined between content elements of the benefits content system. A first request is received to change a first content element of the benefits content system. Other content elements of the...

20060235739 - Systems and methods for dynamically updating a dispatch plan: Systems and methods are disclosed for receiving inputs at a portable computer used by personal typically operating a delivery vehicle providing delivery services, where the inputs potentially impact completion of a pre-established dispatch plan according to certain delivery criteria. The inputs include modifications to the manifest, updates regarding weather or...

20060235740 - System and method for calculating service staffing: A technique is provided for automatically calculating an estimate of demand for field and for remote customer service, such as based on historical service data. A forecast may then be calculated based upon the estimate of demand and on a staffing plan allocating service personnel between field and remote assignments....

20060235743 - System and method for determining profitability scores: A method for marketing a product to one or more customers includes retrieving a profitability score for the customer from a customer database. The product is selectively marketed to the one or more customers based on the profitability score. In a particular embodiment, a plurality of products can be bundled...

20060235742 - System and method for process evaluation: A method, apparatus, and system are disclosed for process evaluation. In one exemplary embodiment, a method for process evaluation includes accessing, with a computer, a set of process quality metrics; categorizing, with the computer, a set of processes based on the set of process quality metrics; and identifying, with the...

20060235741 - Systems and methods for monitoring and reporting: Systems and methods for monitoring and reporting data collected from a remote location are disclosed. A work order, defining a target to be inspected at a remote site and including an inspection plan for collecting target inspection information, is generated on a base-station system and transferred to a portable computing...

20060235749 - Network marketing system: A multi-level marketing system uniting businesses and individuals as a team to help each other to earn monetary rewards based on sales and profit sharing (optional feature) as governed by a simple yet customizable compensation plan that is tailored to maximize sales....

20060235750 - Point-of-sales terminal: A point-of-sales terminal notifies a purchaser of a usable coupon(s) according to purchased commodities. A memory unit (13) memorizes coupon data sets related to item codes. A processing unit (14) searches the memory unit according to input item codes which are input from a touch panel (11) or an input...

20060235751 - System and method for managing marketing applications for a website: A system and method for managing marketing applications for a website is disclosed. The website has webpages that perform e-commerce transaction by offering products to users and customers of the website. The website is coupled to a database having database tables. The database tables include information in performing marketing processes...

20060235752 - System and method for managing marketing applications for a website: A system and method for managing marketing applications for a website is disclosed. The website has webpages that perform e-commerce transaction by offering products to users and customers of the website. The website is coupled to a database having database tables. The database tables include information in performing marketing processes...

20060235748 - System for providing wedding management: A system including a terminal; and a network configured to communicatively couple with the terminal, the network including a database configured to store information concerning the user and a wedding card, and a server configured to provide web services that include receiving personal information concerning a user, determining whether to...

20060235747 - Systems and methods for determining whether to offer a reward at a point of return: Computerized decision-making systems and methods are described for determining whether to provide one or more rewards, such as a coupon or instant discount, to a customer requesting to make a merchandise return at a store, and, if so, to determine the terms of the reward, such as value, expiration date/time...

20060235746 - Systems and methods for providing a reward at a point of return: Systems and methods are described for providing rewards, such as coupons, instant discounts, or rebates, to customers requesting to return merchandise at a merchant's point of return. The reward may be offered, for example, as an incentive not to complete the return or to encourage another purchase. A coupon with...

20060235745 - Trend-creation-type advertising system, trend-creation-type advertising method, and computer product: A buzzword voting manager manages vote points of each sponsor for each of buzzword candidates selected in advance, and decides buzzwords based on the vote points. A buzzword acquiring unit selects a buzzword to be displayed based on a preset criterion from among the decided buzzwords. A portal unit generates...

20060235744 - Weight loss method: A method for weight loss includes collecting a fee from each participant in a group of participants who desire to lose an amount of weight within a determined amount of time. Participants are weighed at the beginning of the determined amount of time. The participants are allowed to engage in...

20060235755 - Digital advertisement board in communication with point-of-sale terminals: A price associated with a menu item is determined automatically based at least in part on revenue management information. A menu display is updated on an electronic display device such as a digital menu board to include the automatically-determined price....

20060235754 - Purchasing, redemption and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network: Purchasing, redemption and settlement systems and methods are provided wherein a buyer takes possession of a product at a retailer. A purchasing system may communicate with a buyer through a communication network to establish a first price for a product between the buyer and a seller. The purchasing system may...

20060235753 - Vehicular user hospitality system: A series of motions where a user approaches, gets in, drives or stays in, and gets off a vehicle is divided into a plurality of scenes. In each scene, a hospitality operation is executed for assisting use of the vehicle by the user or for entertaining the user. Information about...

20060235758 - Authorization techniques: Authorization techniques are presented. A merchant and buyer interact with an authorization and settlement service. Multiple funding sources associated with the buyer are used to authorize a single transaction between the merchant and the buyer. The authorization and settlement service honors the authorization on behalf of the merchant for a...

20060235764 - Electronic commerce transactions within a marketing system that may contain a membership buying opportunity: The present invention is directed to a system and method for providing complete electronic commerce (“E-Commerce”) transactions and solutions for a marketing company's products via the World Wide Web, including facilities for signing up new customers and recruiting, training and supporting new Independent Business Owners through an interactive online process....

20060235757 - Method and apparatus for improved marketing: The invention relates to a method and apparatus for improved marketing having a ticket with a first part and a second part, the first part being separable from the second part and where both parts have a customer identifier. The apparatus also includes selling area having a displayed product and...

20060235761 - Method and apparatus for network transactions: A method is provided to authorize an online transaction between a purchaser and a merchant. The method includes providing, via an identity provider, verification of an identity of the purchaser. The method also includes providing, via a payment provider, verification of an ability of the purchaser to pay for the...

20060235759 - Method of managing prospective business: The present invention reveals the next generation in customer acquisition procedures. LeadMaker™ (“LM”) is a relationship-based system for handling business customers and prospective customers during the period between initial response and follow up by sales. LM is designed to fill the gap between Marketing acquiring responses and Sales establishing primary...

20060235763 - Method system and software for ordering goods and/or services over a communication network: A system, computer software product and a method for ordering goods and/or services with respect to digital images over a communication network. A server provided for sending e-mail to a receiving site of a customer over the communication network. The e-mail has a static section for containing static text and/or...

20060235762 - Products and processes for vending a plurality of products via defined groups: Products and processes are disclosed for defining at least one inventory group. This at least one inventory group includes at least two products that are available for sale by a vending machine. The vending machine outputs an indication of products that the at least one inventory group includes. The vending...

20060235760 - Properties file that will allow configuration input based on experience: A system for configuring interfaces between system solution components and component behaviors cooperative with a system solution design tool in which each connection or interface between system components defined by the user results in the display of a first prompt to select a basic, automatic, or advanced mode of defining...

20060235756 - Virtual \"web radio\" that allows for the free on-demand streaming of individual files of songs, films, and other media in digital format that would otherwise need to be purchaed, which depends upon revenue earned from advertisers who pay to have their adve: This online file streaming and advertising business method allows for the creation of an internet community based around a virtual “web radio” wherein any song, movie, TV show, fashion video or sound clip, etc. can be made individually available for free. Any and all media companies may provide exclusive media...

20060235766 - Information processing apparatus and image display program product: A display format discriminator discriminates whether a peripheral apparatus detected by a PC is to be displayed as an individual icon or a generic icon representing a group of peripheral apparatuses. A first display controller displays the individual icon or the generic icon based on a discrimination by the display...

20060235767 - Interactive exploded view diagram ordering tool: The present invention provides a method and computer-readable medium for executing a method of placing an order for a sub-component (part) of a product, including generally three steps: displaying a diagram depicting sub-components of a product in an exploded view on a user screen; receiving a user selection of a...

20060235765 - Interactive image activation and distribution system and associated methods: A method for distributing a digital image of a customer includes receiving a request from a customer for an image to be taken of the customer at a site. The request can be received, for example, via a remote signal from a customer's communication device. Payment data are obtained from...

20060235769 - Automatic categorization and packaging method and system: A method and a system for automatic categorization and packaging of the present invention that, based on pre-selected information, automatically arranges a plurality of cargoes on pallets to fill up spaces in the pallets that are not fully occupied, thereby effectively using storage spaces in cargo transport so as to...

20060235770 - Products and processes for vending a plurality of products via defined groups: Products and processes are disclosed for defining at least one inventory group. This at least one inventory group includes at least two products that are available for sale by a vending machine. The vending machine outputs an indication of products that the at least one inventory group includes. The vending...

20060235768 - System, method, and computer program product for reducing the burden on inventory system by displaying product availability information for a range of parameters related to a product: A system, method, and computer program product for providing results concerning product option availability via an interactive display. The invention generates data for display that shows product options in a multi-axis display wherein the axes correspond to at least two criteria related to the product options. The disclosed system also...

20060235772 - Method and system for determining absorption costing sequences for items in a business operation: Embodiments of the present invention are directed to a method and system for determining an absorption costing sequence for items in a business operation. More specifically, embodiments provide an efficient mechanism for sequencing items for absorption costing, thereby also improving the efficiency of subsequent absorption costing mechanisms by reducing the...

20060235771 - System and method for managing item interchange and identification in an extended enterprise: A system and method are provided for automatically managing item record interchange in a business enterprise, where an item may be a product, component part, partially assembled or manufactured part, a process, or other item that requires indicia used to identify it within a business enterprise, whether it is a...

20060235773 - Posting adjustments following execution of a period-end closing process: An accounting system is disclosed that provides support for posting transactions into historical accounting periods, including periods that pre-date the most recent historical period. In one embodiment, when such a transaction has been posted, corresponding closing entries are generated in order to update at least one permanent account (e.g., a...

20060235774 - System and method for collecting operational loss data for managing operational risk: A computer-based system and method, computer readable medium comprising software and a data structure for associating general ledger transactions representing operational losses with operational loss information, such as an operational loss event....

20060235775 - System and method for making a payment from a financial account: A system and method of collecting payments facilitates authorized generation of a payment order. In a preferred embodiment, the automated system has a simple input screen which receives the necessary information for generation of the payment order, which may be read to the system operator over the telephone by the...

20060235776 - Method of taxation and tax collection: Fund transfer transactions within an economy are monitored at a selected level, such as at entry into the banking system and exit from the banking system. Every transaction is processed at its exit and its entry points to the banking system by deducting from the transaction value an equal percentage...

20060235782 - Computer-implemented method for evaluating an investment: A computer-implemented method and tool for evaluating an investment includes functionality that generates and stores data representing values/dates of a plurality of inflows and outflows over the investment period. Such data is used to derive first values that represent expected benefits over corresponding intervals of the investment period. A first...

20060235779 - Method and apparatus for product management: A method for product portfolio analysis includes selecting a set of solution points along a curve of order benefit as a function of the number of products in a product portfolio and performing a heuristic between an adjacent pair of solution points that approximates the curve between the adjacent pair...

20060235777 - Method and system for specialized financial management: System and method for augmenting standard financial services products (e.g., bank accounts) for specialized needs such as for children. This involves augmenting existing types of financial services accounts and adding new types of accounts not now offered by financial institutions such as banks. For instance in the present system, a...

20060235784 - Method for attributing and allocating revenue related to embedded software: A method for attributing revenue for embedded software. The method includes the first step of determining the presence of more than one type of embedded software on a given client site. Then, the process assigns priority based on the length of time each type has resided on the client system...

20060235780 - Methodology of utilizing fibonacci numbers to analyze and predict trends in financial markets: One embodiment of the invention can be a methodology for analyzing financial markets using harmonic patterns which use Fibonacci derived formulae to verify historical market values for selected peak(s) and trough(s) of cyclical financial market to predict the future market value of a new trough or peak that will terminate...

20060235778 - Performance indicator selection: Performance indicators selected for an organization. In some exemplary implementations, a system for selecting performance indicators that are relevant for an organization's business strategies includes a questionnaire tool to present questions to a Graphical User Interface (GUI) user. The system also includes a performance indicator wizard to receive responses for...

20060235783 - Predicting risk and return for a portfolio of entertainment projects: A portfolio of entertainment project such that the risk and return available to investors is attractive compared to other investments. Risk and return for a portfolio of entertainment projects is predicted based on historical performance of past “similar” projects. In one implementation, characteristics that are predictive of a project's revenue...

20060235781 - Systems, methods, and software for analyzing corporate earnings data: A financial information system provides enhanced data and/or indicators regarding reported corporate earnings....

20060235787 - Electronic spread trading tool: A versatile and efficient electronic spread trading tool to be used when buying and selling comparable commodities either simultaneously or in conjunction with one another. The spread trading tool involves a method of displaying, on an electronic display device, the market depth of a plurality of commodities including an anchor...

20060235786 - System and method for securities liquidity flow tracking, display and trading: A method, system and computer program that receives, processes, and displays level one, level two, and time and sales securities data. Through a variety of charts, the data is analyzed to identify liquidity trade imbalances and trends in trading liquidity. A logic based trading algorithm utilizes the current market maker...

20060235785 - System and method for trading financial instruments using multiple accounts: A system and method for trading financial instruments from a master account having a plurality of sub-accounts. A user defines an account group, which includes a plurality of sub-accounts, and the user selects an allocation model for the account group from a group of allocation models. After executing an order...

20060235788 - Student loans consolidation matching system and method: The present invention provides an electronic system and method for automatically matching a prospective borrower seeking consolidation of student loans to one or more programs of prospective Federal Family Education Loan (FFEL) loan providers offering loan programs that match the borrower's loan circumstances....

20060235791 - Follow-up contacts with virtual world participants: A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A participant or player can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding...

20060235789 - Methods, systems, and products for collaborative authorizations in electronic commerce: Methods, systems, devices, and products obtain collaborative authorization in an electronic commerce transaction. One such device includes a commerce profile stored in memory, and a processor communicates with the memory. The commerce profile stores rules for obtaining authorization for the electronic transaction. The processor accesses the commerce profile and, based...

20060235790 - Participation profiles of virtual world players: A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A participant or player can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding...

20060235793 - Method and apparatus for a cryptographically-assisted commerical network system designed to facilitate and support expert-based commerce: The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications....

20060235794 - System and method for generating a filtered product list from a master product list in a contract: A system and method for generating a filtered product list from a master product list, and for electronically facilitating subsequent contractual activities executed pursuant to a contract. The contract comprises a Business Rules Book containing a set of rules from which specific rules may be selected for inclusion in the...

20060235792 - Tracking a fuel cell: A method and system for tracking a fuel cell disposed within a device that has been inserted into an apparatus such that information has been extracted from the inserted device. An identity of the fuel cell is determined from the extracted information. An identity of a registered user of the...

20060235796 - Authentication for a commercial transaction using a mobile module: Current embodiments provide for authorization and payment of an online commercial transaction between a purchaser and a merchant including verification of an identity of the purchaser and verification of an ability of the purchaser to pay for the transaction, where the identity provider and the payment provider are often different...

20060235795 - Secure network commercial transactions: Current embodiments provide for authorization and payment of an online commercial transaction between a purchaser and a merchant including verification of an identity of the purchaser and verification of an ability of the purchaser to pay for the transaction, where the identity provider and the payment provider are often different...

20060235797 - Method of packaging broadcast contents: A method of packaging broadcast contents are provided. The method includes: extracting a copy control bit from input broadcast contents and determining whether the broadcast contents will be stored after being encrypted based on the extracted copy control bit; creating usage rule information which includes an encryption method of the...

20060235800 - Digital rights management for media streaming systems: An open media platform (OMP) notifies the subscriber terminals (ST) that the services it provides have changed and that the updated licenses should be retrieved. The STs then initiate a request to a license manager for the new licenses that are required. In response, the license manager requests from the...

20060235802 - License confirmation via embedded confirmation challenge: A method of operation on a license server comprises sending by the license server, a license, including a confirmation challenge, to a rights manager of a client device. The method of operation further comprises receiving by the license server, a confirmation response from the rights manager of the client device,...

20060235801 - Licensing content for use on portable device: A computing device has encrypted content and a corresponding license having a decryption key for decrypting the content. The license allows the computing device to render the content thereon. The computing device may issue a sub-license based on the license to a portable device. The sub-license allows the portable device...

20060235798 - Output protection levels: A system of controlling playback of digital media. A system of controlling playback of digital media comprising a CE device having an output path and a license having a specified output protection level disposed upon the CE device in which the specified output protection level controls playback of the digital...

20060235799 - Playlist burning in rights-management context: A method is provided for a computing device to copy (burn) a playlist of tracks to a portable medium, where each track corresponds to a piece of digital content. At least one of the pieces of content is rights-management (RM) protected and accordingly is burned to the portable medium only...

20060235803 - Apparatus, system, and method for facilitating electronic communication based on a personal contact: An apparatus, system, and method are disclosed for facilitating electronic communication based on a personal contact. A token giver gives a token to a token receiver through a personal contact. The purpose of the token is to facilitate communication between the token giver and token receiver. The token includes a...

20060235804 - Service providing system, service using device, service proving device, service relaying device, method for performing authentication, authentication program, and recording medium thereof: In first-time authentication, non-enciphered authentication information (user ID, password), which is provided from a user, is transmitted from a portable telephone (service using device) 10 to a server (service providing device) 20. The server 20 performs authentication for the non-enciphered authentication information thus received from the portable telephone 10. If...

20060235805 - Universal anti-counterfeit method and system: A universal system with a unique process is presented to validate the authenticity of a merchandise item using the manufacturer's digital signature embedded in a RFID/smart card tag that is mounted with a merchandise item. This system consists of only the tag reader and the tag and doesn't require complicated...

20060235806 - Computer system, message monitoring method and associated message transmission method: The customer agent 9 transmits a search request iSa to a manager 4, which in turn transmits a search request 15b to a shop agent 5. The shop agent 5 transmits a product information service message 16a to the manager 4. The manager 4 transmits a product information service message...

20060235807 - Competitive circuit price model and method: A method of calculating a competitive base wafer cost for use in a model for calculating a packaged integrated circuit (IC) cost. The method includes determining a base wafer price for a first wafer technology at a desired time of analysis and applying a competitive wafer gross margin for the...

20060235808 - System for managing recyclable and non-recyclable materials: A systematic method for managing recyclable and non-recyclable waste. The method includes the step of identifying an amount of recyclable waste. The method also includes the step of determining a credit amount based on the amount of recyclable waste. The method further includes the step of reporting the credit amount...

20060235809 - Digital caricature: A method for creating a digital caricature combining aspects of a tourist destination with a likeness of a face. Digital backgrounds are drawn embodying themes associated with a tourist destination and various digital bodies are drawn. The backgrounds and/or bodies may be animated. A caricature booth or the like is...

20060229905 - Animal food supplement compositions and methods of use: An animal food supplement particularly useful in treating gastrointestinal problems, such as colic. Psyllium husks are provided in dry form for convenience of handling prior to feeding. In example embodiments, psyllium husks are admixed with binding material and the admixture is formed into pellets, crumbles, mashes, or licks. Upon consumption...

20060229906 - Apparatus and method for tracking and managing physical assets: A computer based system automatically gathers, analyzes, and delivers information relating to the procurement and utilization of a plurality of such assets, such as a fleet of industrial equipment, so as to maximize productivity and to reduce operating costs and administrative burdens. Each of the assets is preferably provided with...

20060229885 - Coin laundry management system: There is provided a coin laundry management system including a coin laundry concentrated control section and a network camera which are arranged in a coin laundry store and a central control device which is arranged at an administrator side and connected to the coin laundry concentrated control section and the...

20060229889 - Context proposed items mechanism for natural language user interface: Roughly described, a context reactive user interface which offers user-selectable on-screen choices or hints to help the user follow up in the context of his or her previous interactions. Alternatively or additionally, the system can offer on-screen choices which, when selected by the user, can invoke one or more back-end...

20060229888 - Defining transaction processing for a computer application: A user, such as a computer programmer, computer architect, or software developer, is able to configure a software framework to define business processing to be performed on a business object type by a computer application. To do so, the user associates methods (or other types of collections of computer instructions)...

20060229891 - Drive-up dispensing device for car wash facility: A drive-up product dispensing system for a car wash facility having a pay station that is connected to a car wash assembly and a dispensing device is connected to the pay station....

20060229892 - Efficient content production: A method of producing content includes the steps of: transporting a plurality of customers to a facility for producing content, to which facility a plurality of performers are also transported; producing the content at a first site at the facility, the content including depictions of at least a first portion...

20060229899 - Job seeking system and method for managing job listings: A computer system and method for capture, managing and presenting data obtained from various often unrelated postings via the Internet for examination by a user. This system includes a scraping module having one or more scraping engines operable to scrape information data sets from listings on the corporate sites and...

20060229896 - Match-based employment system and method: In one embodiment of the present invention, a match-based employment system and method of operation are provided. The match-based employment system collects a plurality of employer seeker and employee seeker profiles, bi-directionally matches the employer seeker and said employee seeker profiles and displays at least a portion of the results...

20060229902 - Match-based employment system and method: A method of operating an employment system is provided. The method includes generating a score for each of a plurality of possible results compared to information associated with a user, enabling the user to access a result of the plurality of possible results if the score generated for the result...

20060229886 - Method and apparatus for web design layout record delivery: The present invention presents TIRKS DLRs over a extranet web interface to a user. The DLRs are presented via secure access to the TIRKS system via an intranet. The Web DLR Delivery (WDD) project consists of the DLR facilities of TIRKS, a midrange-hosted application for gathering DLR information and responding...

20060229890 - Method and system for employee compensation planning: Methods and apparatus for compensation planning are provided. A request to initiate a compensation planning process for an organization may be received at a compensation planning application program executing on a computer system. The compensation planning application may generate a query to one or more databases to obtain performance indicator...

20060229884 - Method for enabling a combination of several individual products to be identified clearly: The invention relates to a method for enabling a combination of several individual products (product bundle) to be identified clearly in order to track said products according to the components thereof for the sale and premiumization thereof when said product bundle is purchased. The product bundle comprises a mobile radio...

20060229897 - Method of facilitating social communication: A method of facilitating social communication from a person to a recipient is presented. Initially, a social communication device with a message is selected by the person. The person then attaches the social communication with the delivery device for delivery to the recipient, thus facilitating social communication between the person...

20060229901 - Method of facilitating social communication: A method of facilitating social communication from a person to a recipient is presented. Initially, a social communication device with a message is selected by the person. The message may be pre-affixed, random, or customizable. When the message is customizable, the person customizes the message. The person then attaches the...

20060229898 - Methods and articles for facilitating software product implementation: Methods and articles are provided which may be employed to establish a common understanding within a customer organization as to the business drivers that led to the purchase of a software product. In one embodiment, a method is provided which includes convening a session that includes members of the supplier...

20060229904 - Music distribution systems: Music is blanket transmitted (for example, via satellite downlink transmission) to each customer's user station where selected music files are recorded. Customers preselect from a list of available music in advance using an interactive screen selector, and pay only for music that they choose to playback for their enjoyment. An...

20060229895 - Next generation visibility package tracking: The present invention involves systems and methods for tracking one or more shipped items that are shipped via a carrier. A set of expected occurrences are established for each item shipped. The items are then shipped and the shipment of the one or more shipped items is monitored for an...

20060229903 - Project-planning method and system: A method for planning a project comprises a step of distributing the project and the step of distributing the project includes a step of planning a master project, which is established by a master project initiator who inputs information about the master project to an information processing device which notifies...

20060229894 - System and method for estimating expense and return on investment of a dynamically generated runtime solution to a business problem: Provided is a method for estimating expenses and return on investment (ROI) in a dynamically generated business solution based upon reusable components. Each component is assigned to one or more categories based upon attributes such as the business problems that the particular component addresses. Categories are also based upon particular...

20060229907 - System and method for managing marketing applications for a website: A system and method for managing marketing applications for a website is disclosed. The website has webpages that perform e-commerce transaction by offering products to users and customers of the website. The website is coupled to a database having database tables. The database tables include information in performing marketing processes...

20060229908 - System and method for managing marketing applications for a website: A system and method for managing marketing applications for a website is disclosed. The website has webpages that perform e-commerce transaction by offering products to users and customers of the website. The website is coupled to a database having database tables. The database tables include information in performing marketing processes...

20060229900 - System and method for managing real estate investments: A data processing method and system of selling tenant-in-common interests as non-security investments by a real estate sponsor is disclosed. A real estate property is purchased at a purchase price. An investment price of a tenant-in-common interest in the real estate property is calculated by a computer system utilizing the...

20060229893 - Systems and methods of partnering content creators with content partners online: Systems and methods of partnering content creators with content partners online are disclosed. In an exemplary implementation a method may include receiving registration information from a content partner and building a profile describing desired creative content for the content partner and receiving creative content. Based on at least the profile,...

20060229887 - Warehouse management system: A warehouse management system is applied under a network environment to integrate warehouses of suppliers and retailers in the network environment and provide an information communication channel between the suppliers and retailers. The warehouse management system includes a logic management module for allowing the suppliers and retailers to enter information;...

20060229915 - Apparatus and method for processing phone-in prescriptions: An apparatus and method are disclosed for processing phone-in prescription requests. The apparatus is in the form of a prescription processing network that includes a prescription processing system and a communication device remotely located from the prescription processing system. The communication device is used to establish a communication channel with...

20060229912 - Beauty information providing system: A beauty information providing system, includes: a first computer used in counseling of a customer who visits a merchandise store; a second computer used in counseling of a customer who visits an aesthetic treatment salon; a server connected to the first and second computers via communication networks; evaluation result creating...

20060229909 - Lifecharts medical information system: The medical information system allows users to store pertinent medical information in a web-enabled data store that can be accessed from anywhere in the world using a web browser, provided the user's unique account number is ascertained and entered. The system allows the user to print a medical card containing...

20060229913 - Method and system for providing timely performance evaluations to students or trainees: A method and system for providing performance evaluations, on a timely basis, to students or trainees, is provided. In one contemplated embodiment, the inventive method and system are used in health care training programs to form an information feedback loop whereby clinical and simulated clinical performance evaluations are inputted, or...

20060229914 - Method of providing support for, and monitoring of, persons recovering from addictive behaviors, mental health issues, and chronic health concerns: A method of providing support for, and monitoring of, an individual recovering from addictive behaviors, mental health issues, or other chronic health concerns comprises a multi-tiered support system for the recovering individual and monitoring the recovering individual's commitment to recovery. The basic set of activities that may be integrated into...

20060229911 - Personal control of healthcare information and related systems, methods, and devices: The invention, in one embodiment, is directed to a healthcare information system including: a client interface unit for creating one or more healthcare information documents, a repository in communication with the client interface unit for storing one or more healthcare information documents received from the client interface unit, a registry...

20060229916 - Systems and methods for selecting and recruiting investigators and subjects for clinical studies: The present invention is directed to an integrated on-line interactive forum that promotes exchange of information among clinical study sponsors, clinical study investigators, and potential clinical study subjects. The forum includes an investigator database that contains information suitable for identification of qualified investigators for clinical studies and a subject database...

20060229910 - Truly automated online prescription process: The present invention provides a fresh method and system for truly automated online prescription purchases while providing improved security for issuing prescription simultaneously. Within the said online pharmacy network, both patients and doctors (M.D.s) are registered users. Doctors (M.D.s) will be verified by one of the authorities, such as the...

20060229918 - Electronic personal health record system: Methods and apparatus for providing access to information associated with a patient are disclosed. Information associated with a patient may be stored electronically, enabling the information from an electronic health record (e.g., electronic personal health record controlled by a patient) or a portion thereof to be provided to an entity...

20060229919 - Internet medical information system (imed): A system for creating, maintaining and selectively accessing medical histories. The system allows a patient and other selected parties to build a medical history, but importantly places the authority to grant access to the medical history solely in the hands of the patient. When the patient's medical history file is...

20060229917 - Modifiable summary of patient medical data and customized patient files: A method for generating a modifiable summary of medical data derived from a patient can comprise steps of selecting a subset of medical data from a medical database, wherein the subset at least partially is uniquely associated with an individual patient, and generating a living graphical representation from at least...

20060229920 - Method of allocating seats to customers in a computer reservation system: A process of allocating seats to customers usable with a computerized reservation system. This process includes the following allocation steps: assigning, in a database, to each customer, data relating to criteria of placement; determination of a value of satisfaction of the customer for a seat as a function of its...

20060229922 - Association and visualization of schematized business networks: The present invention extends to associating and visualizing schematized business networks. Users can visualize and navigate a business network without having got understand or create associations between structures of different business layers. Users can configure the level of detail by zooming in and zooming out of relevant portions of the...

20060229921 - Business control system: The Business Control System (BCS) is a management method designed to facilitate the control of complex business operations. The method combines project management principles with control system engineering modeling, analysis and design techniques within a robust information technology framework. The BCS provides managers with the ability to design their business...

20060229925 - Automatic discovery and maintenance of business processes in web services and enterprise development environments: A method, an apparatus, and computer instructions are provided for automatic discovery and maintenance of business processes in Web services and enterprise development environments. A set of agents are deployed to a set of enterprise containers to collect user function calls and report events to a central business workflow language...

20060229924 - Data driven dynamic workflow: A method, system and article of manufacture for workflow processing and, more particularly, for managing creation and execution of data driven dynamic workflows. One embodiment provides a computer-implemented method for managing execution of workflow instances. The method comprises providing a parent process template and providing a child process template. The...

20060229923 - Definition of workflow patterns using complex event processing: A method for workflow management includes modeling a workflow as a set of nodes linked by transitions. At least one of the nodes is defined as an action triggered by a situation using a complex event processing (CEP) engine. During execution of the workflow, the CEP engine is invoked in...

20060229926 - Comparing and contrasting models of business: The present invention extends to comparing and contrasting models of business. Model processing modules implement formal operators that can be used to manipulate models of business. A compare operator can be used to compare similarly typed models of business. A contrast operator can be used to contrast differ types of...

20060229927 - Resolution of group membership for resources: Provided are a method, system, and article of manufacture, wherein a plurality of resources are grouped into a plurality of groups, wherein one group may be included in another in the plurality of groups, and wherein the plurality of resources and the plurality of groups comprise items. A recursive determination...

20060229929 - System and method for software development: This invention relates to a method and apparatus for developing software. In one embodiment, a method for facilitating the distributed development of software components includes providing a skill rating for software developers, communicating specifications for a software component to a subset of the developers, receiving submissions from the developers, scoring...

20060229928 - System and method of tracking objects being serviced: A system of tracking objects through a service process at a service shop comprises a computer network configured to track movement of tagged service objects from physical location to physical location within the service shop. The computer network comprises tag readers with antennae configured to receive transmissions from tags encoded...

20060229931 - Device, system, and method of data monitoring, collection and analysis: A device, system and method for data monitoring, collection and analysis. A method may include creating one or more context insight records representing an indication of a behavior of a service based on raw footprint data related to use of said service by a population of users, and analyzing said...

20060229934 - Information delivery system for providing senders with a recipient's messaging preferences: An information delivery system includes a web server in operative communication with a plurality of recipients and a plurality of senders, the plurality of senders desirous of generating messages intended for the plurality of recipients, respectively. The web server includes a plurality of recipient preference profiles corresponding to the plurality...

20060229932 - Intelligent sales and marketing recommendation system: Systems and methods for generating intelligent promotional recommendations and reports are disclosed. The systems and methods utilize longitudinal patient or physician level data and longitudinal data regarding sales and marketing techniques and approaches employed to train intelligent processing elements such as collaborative filters, neural networks, and combinations thereof. Intelligent recommendations...

20060229930 - Method to generate advertising revenue based on time and location: A method and apparatus to facilitate targeted advertisement and listing services to customers using a shopping system. The shopping system may be an interactive television system. The targeted advertising allows for improved targeting by allowing advertisers to bid on advertising space based on the time a user is shopping and...

20060229933 - Systems and methods for exclusively capturing quality of service: Systems and methods for developing exclusive rights to providing informational feedback relating to a quality of service received from a professional, delivering an authorized request for feedback submission, receiving informational feedback, and selectively compiling the informational feedback received for reporting purposes. A computer system is configured to receive exclusive informational...

20060229935 - System for managing services and service provider agreements: A system for managing service provider agreements, the system comprising a server, an agreements database accessible by the server, the agreements database having stored thereon contracted performance data indicative of minimum service performance required by at least one service provider agreement, a user preferences database accessible by the server, the...

20060229938 - Computing online advertising statistics in real time: A method and system for computing online advertising statistics in real time is disclosed. One aspect of the invention involves a method of receiving one or more data streams containing real-time data concerning online advertisements for an advertiser; applying a continuous query to the one or more data streams; generating...

20060229944 - Method and apparatus for conducting or facilitating a promotion: A method and apparatus for conducting a promotion and for distributing promotions to potential users provide a merchant or promotion organizer flexibility in the way they conduct the promotion as well as an ability to change one or more aspects of the promotion during the operation of the promotion. One...

20060229945 - Method and apparatus for conducting or facilitating a promotion: A method and apparatus for conducting a promotion and for distributing promotions to potential users provide a merchant or promotion organizer flexibility in the way they conduct the promotion as well as an ability to change one or more aspects of the promotion during the operation of the promotion. One...

20060229936 - Method and apparatus for rewarding a customer referral: A method and apparatus for rewarding a customer referral by recognizing a referring customer, noting a purchase of a product, receiving a referral directive from the referring customer, determining a refer-to customer and dispatching a referral to the determined refer-to customer....

20060229941 - Method and apparatus for soliciting and serving banner advertisements based on time-dependent and situational-dependent events: A system for placing advertisements in a user's display includes a portal through which the user communicates with content servers, an advertisement engine operating coupled to the portal, and a source of advertisements. The advertisement engine determines time and/or content-related information from the user's communication through the portal, selects advertisement...

20060229942 - Method and automated system for creating and tracking on-line embedded search event records and generating leads: A method for gathering and reporting lead generation data for use when evaluating contextual ads in e-commerce and elsewhere includes real-time generation of prospect data in a single report or Embedded Search Event Record including: Identification of the specific advertisement campaign; Identification of the actual advertisement; Identification of the keyword...

20060229943 - Method and system for interfacing clients with relationship management (rm) accounts and for permissioning marketing: A system and method for interfacing a client with a client relationship management (RM) account database. The client RM account database includes an entry for the client, and the entry for the client includes a fields of data. The RM provides an environment for product and relationship management to jointly...

20060229937 - Method for retaining a customer at a dealership: A method for retaining a customer at a dealership is disclosed. The method includes establishing a customer account when the customer makes a first purchase from the dealership. Each time the customer has a service performed at the dealership, the customer is awarded a rebate to his/her customer account. The...

20060229940 - Method of distributing printed advertising: A method and system for distributing printed advertising. Printed advertising may be pre-printed on printable paper sheets and leaving a printable field free of printed advertising on each of the plurality of sheets. The partially-printed paper is distributed to a plurality of users. Users access a website to confirm acquisition...

20060229939 - Method, apparatus and computer program product for dynamic display of billboard information: Display time for a billboard message is varied in proportion to measured speed of one or more vehicles. This may include varying not only the time a message is presented on the billboard, but also varying the density of the message. An overall message may be broken into segments displayed...

20060229947 - Methods and systems for transacting targeted discounts: The invention is a method for operating a computer database system to enable a seller to offer and transact targeted discounts. A first module enables a seller to enter a targeted discount offer including: a product or service that a discount applies to, a discount amount, and targeting conditions for...

20060229948 - System and method for managing marketing applications for a website: A system and method for managing marketing applications for a website is disclosed. The website has webpages that perform e-commerce transaction by offering products to users and customers of the website. The website is coupled to a database having database tables. The database tables include information in performing marketing processes...

20060229946 - System and method for providing shopping aids and incentives to customers through a computer network: A system and method for delivering purchasing incentives and a variety of other retail shopping aids through a computer network, such as by E-mail over the Interne or the World Wide Web. Customers (10) of retail stores can establish a bi-directional communication link with the system, log in (16) to...

20060229950 - An efficient method of discovering and purchasing goods and services: This invention includes a process, method, and system for discovering goods and service at user-specified criteria and executing purchase orders on behalf of customers. In various embodiments, users can search and register interest in various items while the system continuously searches for the best deals matching the users search criteria...

20060229952 - Enhancing touch and feel on the internet: A system for enabling touch and feel over the internet provides a three-dimensional representation of a good being sold, that three-dimensional representation being viewable from a number of different directions. In one embodiment, the good being sold is in a package and the package is displayed from the number of...

20060229953 - Products and processes for vending a plurality of products via defined groups: Products and processes are disclosed for defining at least one inventory group. This at least one inventory group includes at least two products that are available for sale by a vending machine. The vending machine outputs an indication of products that the at least one inventory group includes. The vending...

20060229949 - Purchase of services: A system for the purchase of services comprises: a selection means operable by a purchaser to select one or more desired service providing means from a number of different available service providing means, each of the different service providing means being activatable to provide a corresponding service to the purchaser...

20060229951 - System and method for information handling system build-to-order packaging: Built-to-order products, such as information handling systems, are packaged-to-order based on user preferences for reduced packaging waste. The user is presented packaging options at an order for one or more information handling systems and selects desired options, such as excluding recovery media, application media and user manuals. For instance, a...

20060229954 - Computerized service manual display control device: Disclosed is a very convenient electronic service manual display program whereby replacement of an electronic service manual is not required for a revision, and the contents before being revised and the contents after being revised can be browsed at the same time. According to this technique, parts table database information,...

20060229959 - Customized automation of financial asset trading: The present invention pertains to a system and method by which a financial assets trader (e.g., bank/broker/foreign currency manager) who normally executes trades in the financial assets marketplace may be able to process orders with minimal human interference in a truly automated, yet customizable way, thereby avoiding that which would...

20060229955 - Debt reduction method and device thereof: In a method which is performed using a communication network and uses a derivative to reduce a money debt such as a housing loan debt, a loan debt, a nation/public/corporate bond debt, a lease debt, or a payment obligation including insurance benefits, a derivative corresponding to a period of the...

20060229962 - Evaluation of securities: A method for evaluating securities comprises the steps of estimating a P/E ratio for a security that will yield a predetermined rate of return on an investment in said security, inputting an actual historical P/E ratio for the security, determining a merit rating for the security as a function of...

20060229965 - Method and apparatus for providing and processing installment plans at a terminal: A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase...

20060229966 - Method and apparatus for providing and processing installment plans at a terminal: A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase...

20060229964 - Personal pension system and business method: A system and method of managing monetary contributions for a deferred savings objective such as, for exemplary purposes only, funding college, wedding or marriage, retirement, or any other large expense expected to occur years in the future, wherein a consumer makes contributions into the deferred savings system, wherein the process...

20060229963 - Portfolio performance tracking: Portfolio performance tracking and reporting includes integration of performance tracking information for previously-sold securities with performance tracking information for securities that are still held in the portfolio. Performance tracking for securities that are still held is performed by comparing the security's current value with the purchase price (basis). Performance tracking...

20060229961 - Risk evaluation method and system using ach data: A method and system of managing risk associated with a financial transaction. In one embodiment, the method comprises receiving data associated with a plurality of past transactions. The received data includes Automated Clearing House (ACH) data and other payment-related data. The method further comprises storing the received data in a...

20060229956 - Supplier financial health management process: A central information processing system and method evaluate financial health of a supplier of at least one of goods and services for a business entity, by determining that a supplier spend rate exceeds a predetermined level, determining a risk factor for the supplier based upon a financial health report and...

20060229960 - System and method for creating recurrent yield monetary asset based financial instrument derivatives: The system and method for creating recurrent yield monetary asset based financial instrument derivatives operates with existing telecommunications networks, including voice, data, and internet protocol to provide financial instrument derivatives that are based on recurrent yield monetary assets. A rollup entity communicates with present resources that own or hold recurrent...

20060229957 - System and method for evaluating potential suppliers: A method on a central information processing system evaluates financial health of suppliers of a business entity by checking a central repository to determine whether a current financial health report exists for a supplier and if not, determines whether criteria have been satisfied to require the supplier to purchase the...

20060229958 - System, method, and computer program product for reconciling financial data from multiple sources: A system, method, and computer program product are provided that receive financial data from different sources, parse the financial data using a rules engine such that it can be combined, add first and second data keys such that the data entries can be reconciled, reconcile the combined data, and output...

20060229971 - Electronic trading system: A client terminal for use in an electronic trading system is disclosed. The client terminal comprises a data interface for sending data to and receiving data from a server; and a user interface including a display for presenting information to a user and receiving trading commands from a user. In...

20060229972 - Live auction system: A method of conducting an auction transaction via a global communication network includes receiving requests to participate in a live auction, incrementing a bid price for participants at periodic time intervals, acknowledging withdrawal by each of the participants until a last active participant remains in the live auction and designating...

20060229968 - Market participant issue selection system and method: A system and method of allocating rights for quoting issues on a trading facility such as an exchange is described. The method may include providing market participants such as remote market makers with a listing of issues available for remote quote streaming where the available issues are ranked according to...

20060229969 - Method of optimal informed trading with limited competition: An improved optimization method for maximizing the profit available to an informed securities or commodities trader as a result of unique information known by the trader about a traded unit which enables the trader to formulate the true per-unit value the security or commodity whereby the effect on the market...

20060229970 - Sell-side order processing method and system: A method, computer program product, and client computer for defining a differential price amount. An option sell order is received for a first quantity of options at a first price. A second quantity of options, which is less than the first quantity of options, is sought for purchase at the...

20060229967 - Systems and methods for providing price improvement in an active trading market: Systems and methods for providing traders an opportunity to improve prices for an item trading in an active market are provided. After a trader HITS or LIFTS a bid or offer, a market becomes active. When the market is active, traders can submit orders that improve on the price of...

20060229973 - Transaction structures, systems, and methods for issuing a debt instrument backed by a market value of an asset: A transaction structure for issuing a debt instrument. The transaction structure includes a first entity and a second entity. The first entity transfers an asset in exchange for receiving a beneficial interest in the asset, then issues the debt instrument. The debt instrument is backed by a market value of...

20060229974 - Method of extending credit to at least one consumer and method of processing a transaction between a consumer and a merchant: Disclosed is a method of extending credit to a consumer, including the steps of: offering, to the consumer, a credit account having a private label portion associated with a specified private label entity and a credit issuer network portion for use with a merchant in a credit issuer network; activating...

20060229975 - Methods for accelerated principal reduction: A method of reducing a principal amount of a loan. The method comprises determining a payment schedule of a series of payments for repaying the principal amount of the loan, each payment comprising a principal portion and an interest portion, receiving payments, and crediting the principal portion of received payments...

20060229977 - Authorization and capture with multiple currencies: Techniques are presented for authorization and capture with multiple funding sources and currencies. A transaction amount associated with a target currency is authorized from one or more funding sources, where at least one of the one or more funding sources includes funds associated with a different currency from the target...

20060229978 - Electronic balance checking and credit approval system for use in conducting electronic transactions: An electronic balance checking and credit approval system includes consumer transaction accounts, tokens, input devices, authentication hardware and software, and output devices. The consumer transaction account is held in trust on behalf of a consumer by a credit extending company. The token is specific to and held by the consumer,...

20060229979 - Issuing machine and issuing system: An issuing system for issuing unmodifiable and/or unforgeable hardcopy documents or securities includes a server and a plurality of issuing machines connected to the server via a network. Each of the issuing machines receives an ID recording medium provided by a potential purchaser, retrieves an identification recoded in the received...

20060229976 - Virtual credit with transferability: A method and system provides credit arrangements in simulated environments. A user can participate in credit transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users can make simulated purchases or...

20060229982 - Automated transaction processing system and approach with currency conversion: Transaction management for contract and contract-related approaches is facilitated. According to an example embodiment of the present invention, a transaction management system automatically sets contract terms including currency conversion terms for a transaction based on business rules previously established between parties to a transaction. In one implementation, the transaction management...

20060229983 - Method and apparatus for processing annuities: This document describes, among other things, systems and methods for processing patent annuities or maintenance fees. In an embodiment, a method maintains records of patents or applications and their associated annuity or maintenance fees. The method generates a display or report that includes when a payment is due, the amount...

20060229981 - Method for increasing sales of vehicles at an automobile dealership using a hand held scanner and a data base link: This invention allows a customer to use a handheld PDA device to recognize the vehicle identification number of a vehicle for sale at a dealership's lot. The PDA then transmits over a wireless local area network the chosen vehicle identification number to a host computer server which accesses hosted database...

20060229980 - Payment system and method for data broadcasted from a remote location to vehicles: The present invention is directed to a payment system and method for chargeable data that is broadcasted from a remote location. The payment system and method includes a Web site, the remote location (or a broadcasting station), and an end receiver. The Web site is configured to allow for the...

20060229984 - Pos terminal for easy split-the-bill settlement: A POS terminal is capable of calculating and charging the shares of a plurality of customers easily and accurately on a split-the-bill settlement basis. A RAM stores information as to items ordered by the customers and amounts of money for the items. A display unit displays the items and the...

20060229985 - Method and system for virtual consolidation of biller direct web sites: The present invention provides a method and a system for consolidating bill payment-related information. A consolidation toolbar is installed inside the browser of a user's computer. The consolidation toolbar enables the user to interact with a virtual consolidation system for facilitating online bill payment-related activities. Lists of all the billers...

20060229987 - Check replication detection system and method: A system and method are provided whereby a clearing intermediary identifies replicated items (electronic check images, substitute checks, or original checks) that are received from one or more banks of first deposit by comparing unique identifiers, such as those found in the MICR line of the original check, and finding...

20060229986 - Financial account that reduces paper check usage: A business method that will eliminate many of the paper check transactions that are currently required in today's financial environment. This method works by the creation of a deposit only financial account that is transparently linked to one (or more) normal financial account(s). Money deposited into the deposit only account...

20060229988 - Card settlement method using portable electronic device having fingerprint sensor: In a card settlement system using a portable electronic device having a fingerprint sensor, a credit card and a portable electronic device (5) having a fingerprint sensor are issued to a person who has made application. To this electronic device (5), card information (12), a storage public key Kp1, and...

20060229990 - Content distribution system and content license management method: There are provided a content distribution system and a license management method for performing, in a collective manner, license management of a plurality of resources contained in contents. Each piece of content contains one upper-level resource (which is first referred to within the content), at least one lower-level resource (which...

20060229991 - Method and system for electronic voting using identity based encryption: A voting method includes receiving identity-based information, vote data and a passphrase for a voter, encrypting the vote data using a symmetric key, generating second identity-based information for the voter, and generating an identity-based public key using at least the second identity-based information and a voting system parameter. The symmetric...

20060229992 - Securely relaying content using key chains: A system, apparatus, and method are directed towards generating chains of encrypted decryption keys for content in a highly distributed environment. In one embodiment, the key chain may be provided within an Entitlement Control Message (ECM). An access key that enables decryption of a current link within the chain of...

20060229989 - Valuating rights for 2nd hand trade: The present invention relates to a method, a system and a computer-readable medium storing computer-executable components for distribution of digital rights. The idea of the invention is to attach a trading value of a certain magnitude to a digital right to be distributed. The digital right is associated with a...

20060229993 - Systems and methods of brokering creative content online: Systems and methods of brokering creative content online are disclosed. In an exemplary implementation, a method may include receiving creative content in electronic format from a user. The method may also include determining whether a match exists between a reviewer and the creative content. The method may also include extending...

20060229994 - Automatic generation of license package for solution components: A license package generator for use with a solution builder tool, which determines if one or more licenses are available for each behavioral model instance in a computing solution, obtains a license code for each configured behavioral model instance for which a license is available, and generates a license package...

20060229995 - Report form generator for anonymous reporting system: An anonymous reporting system for use in reporting and following up on incidents, accidents, and the like. The system may be accessed via an Internet website. A reporting individual may select a type of incident to report. A report form specific to that type of incident will then be provided...

20060229996 - Consumer processing system and method: Disclosed is a consumer processing system for identifying and recognizing a consumer engaged in a transaction with a merchant. The system includes a consumer processing system interface for receiving, from a merchant, a consumer/transaction data set with a plurality of fields. A consumer/transaction database is populated with data sets, and...

20060229997 - System and method for managing multi-zone information: A system for managing multi-zone information is disclosed. The system includes an Information Security Management Console (ISMC) 10, a plurality of Information Security Execution Centers (ISECs) 20 and a plurality of Information Security Protection Cells (ISPCs) 30. The ISMC 10 includes: an information security strategy defining module 101, an information...

20060229998 - Payment via financial service provider using network-based device: A system includes an interface to receive a request associated with a third party at a financial service provider from a network-based device via a network. The network-based device is associated with a user. The system further includes a payment transfer module, responsive to receiving the request, to transfer a...

20060229999 - Decision support system for litigation evaluation: Information about a pre-litigation case is received from a claimant. A case score is determined based on the received information, and compared with a predefined threshold. Further processing for the case is selected based on the comparison. The case score is based on a liability score and a damages score,...

20060230000 - Smart return address indicium and method of use: A method including determining a weight for a mail piece, calculating a delivery cost for the mail piece to an addressee identified on the mail piece, and determining a return address indicium for a sender is on the mail piece. The method also including determining an account is associated with...

20060230001 - Postage meter for optimizing the printing quality of sensitive data printed on a mail item: This postage meter includes means for presetting the position of the print head so that sensitive information is printed on a mail item at a time when said item is not being subjected to any jolting....

20060230002 - Utility usage evaluation system and method: The invention provides a method of evaluating utility usage of an organization that involves storing in computer memory data representing one or more facilities or processes operated by the organization and storing in computer memory data representing one or more utility sources, each facility or process using one or more...

20060230003 - Weight detection system for ordered goods and method using the same: A weight system and method for ordered merchandizes to detect actual weight of ordered goods and avoid inaccuracy in weighing caused by human errors. The weight detection system for ordered merchandizes includes: a database of orders for storing customers' ordering information; a database of pallet for storing weight of the...

20060224400 - Business event notifications on aggregated thresholds: A system and method for notifying a user of an event indicated by aggregated data relating to a status of activities, where the aggregated data is stored in a plurality of independently managed applications. An interface receives from the user an identification of an event relating to the aggregated data....

20060224410 - Carbon dioxide emission trade system: A carbon dioxide emission right trade system of the present invention comprises: a database memory means which stores carbon dioxide fixation technologies using seawater with grade, technology evaluation scores, exploitable seas and areas of the ocean; and an input means of a value amount of carbon dioxide emission and a...

20060224396 - Data-processing system: A system for processing metadata and associated raw data, is designed to aggregate the data in order to establish a plurality of types of reports. The system is automated with the combined use of the following two units: a first unit (1) known as the initialization unit which assembles all...

20060224402 - Devices and methods for monitoring distributed services: Devices and methods monitor the service being provided to a specific customer from a service provider, such as communications services including television and Internet access as well as non-communications services including water, gas, and electricity. A characteristic of the service is measured and it is detected whether the measured characteristic...

20060224401 - Meal data objects having recipes and food items: A meal data object is generated by a user, where the meal data object includes recipes and food items. The meal data object may more specifically include a description and a meal type for the meal data object. For each recipe of the meal data object, the meal data object...

20060224399 - Method and system for decision making based on information requirements: A method is provided for decision making based on information requirements of a business system. The method includes reading a decision information matrix that includes at least one process step related to a process of the business system, input information requirements associated with each of the at least one process...

20060224398 - Method and system for transit characteristic prediction: A method and system for transit characteristic prediction. In one embodiment, a method may include determining respective transit latencies from a source location to a number of destination locations, and grouping the destination locations according to a similarity criterion into a number of subsets corresponding to respective geographical regions, where...

20060224411 - Method of constructing and using a memorial: A method of constructing and using a memorial comprises the steps of: taking a sample of a physiological composite of a biological individual, such as oral squamous cells of a person; packaging the physiological composite in a sealed unit to produce a memento; storing the memento in a custodian place;...

20060224406 - Methods and systems to browse data items: Methods and Systems to browse data items. There is provided a method and system to enable a buyer to browse listings that are listed by sellers on a network-based marketplace and stored in a data resource. There is further provided a method to cancel characteristics used to identify listings that...

20060224397 - Methods, systems, and computer program products for saving form submissions: Methods, systems, and computer program products are disclosed for saving form submissions. At a user agent in a communication network, a first form is received from a remote endpoint in the communication network, a current value is associated with a control of the first form, a user input is monitored...

20060224395 - Program for generating user-compatible business application data, recording medium containing the program, and user-compatible business application: A definition database contains stored definition data. With regard to each of a plurality of folders required by each of a plurality of application systems, the definition data defines how to generate the following from a report: data items, the type of report and range of dates thereof used in...

20060224393 - Support system, server, translation method and program: A management computer (21) is placed in a home country, and an instructor terminal (31) and a driver terminal (32) are placed in a delivery area overseas. The management computer (21) generates screen information, displayed in a domestic language and including a delivery instruction for a package, and transmits the...

20060224407 - System and method for automatic response piece information retrieval: Disclosed is a system, method, and medium for automatically analyzing response pieces. The system may scan the response piece, identify the response piece, and generate an image from the response piece. The system also processes the image. Processing the image may include determining response piece identification information and sending the...

20060224405 - System and method for completing treatment authorization request forms: A system and method are provided for completing treatment authorization request forms that includes receiving a pharmaceutical prescription's data, choosing a treatment authorization request form, associating the form's fields with the prescription data, and merging the data and the form into an integrated file where the prescription data is represented...

20060224408 - System and method for evaluation of problem solving measures and corrective actions: A system and method used for the evaluation of problem-solving measures and corrective actions, including, but not limited to, actions associated with accident prevention, for the purpose of quantifying organizational effectiveness and identifying safety improvement performance....

20060224409 - System and method for intelligent information gathering and analysis: A system and method for intelligent information gathering and analysis. Information is gathered from a plurality of open sources such as markets, investigations, government databases, internet intelligence, and public records. The gathered information is parsed and linked based on marketplace activities including threats. The parsed and linked information is sent...

20060224412 - System and method for selecting and protecting intellectual property assets: The present invention relates to systems and methods for intellectual property asset selection and protection. In an embodiment, an intellectual property selection system receives from an innovator an innovation submission describing an innovation. An intellectual property protection system receives at least a portion of the innovation submission and manages obtaining...

20060224403 - Systems and methods for establishing the colors of a customized stamp: The field of the invention relates to online postage systems, and more particularly to systems and methods for establishing the colors of a customized stamp purchased through an online postage system. In one embodiment, a method is employed for customizing the colors of a customized stamp having a panel and...

20060224394 - Timeslot sharing over different cycles in tdma bus: The invention relates to a method of transmitting user data via a communications medium (2) between subscribers (3) connected to the communications medium (2), wherein the data are transmitted in recurrent cycles (8) and at least one slot (9, 10) in each cycle (8) is intended for the user data...

20060224404 - Web-based system and method for screening job candidates: A web-based system and method for screening job candidates comprising designing a website having essential screening components for one or more specific job openings. The screening components comprise a list of one or more job candidates who have been pre-qualified for a specific job opening according to designated screening components....

20060224417 - Computer-implemented process for distributing and tracking pharmaceutical samples: Described is a computer-implemented method for distributing and tracking free pharmaceutical samples. The method includes receiving at a Network Administrator a free drug sample data set for a free drug sample promotion program and transmitting the free drug sample data set received at the Network Administrator to a participating dispensary....

20060224418 - Medical services system and method: A patient care and billing integrated system employs a front-end interface for a real-time simultaneous collection of patient information, and a back end-interface operably connected to the front-end interface for a real-time simultaneous distribution of the patient information for OSS purposes....

20060224416 - Method and computer program product for predicting and minimizing future behavioral health-related hospital admissions: An accurate predictive model that identifies the patient/members within the healthcare system at high risk of hospital admission for a wide range of morbidities, or co-morbidities, and that allows subsequent intervention to manage those patients identified as high risk to an acceptable level. There is a further need for such...

20060224413 - Method and system for providing tele-healthcare by using household medical devices: Disclosed is an on-line healthcare system using a domestic medical device and a method thereof. The on-line healthcare system comprises a portable measurement unit for performing a biological measurement for diagnosing a user's health and converting measured data so as to generate biological measurement information data and/or measurement information data...

20060224415 - Pharmacy system data interface system and method: A method for receiving prescription data from a pharmacy is provided. The method includes emulating a device, such as using a pseudo TTY feature of a Unix operating system or a pseudo device of a Windows operating system. A prescription authorization system is then set to transmit data to the...

20060224419 - System and method for medication misuse prevention: A system and method of identifying patients with an increased risk for medication misuse as a result of their physical condition or inability to follow a prescription drug regimen. This is accomplished by an onsite evaluation of the patient, their physical condition and medication usage, including prescriptions, over the counter...

20060224414 - System and method for providing prescription refills: The invention relates to a system and method for automatically providing prescription refills. In an embodiment, the invention includes a method for filling refill prescriptions for one or more home pharmacies comprising: enrolling the refill prescription records of one or more home pharmacies; calculating an appropriate time to fill refill...

20060224420 - Healthcare insurance security system: A system that facilitates verifying insurance coverage of an insured includes a radio frequency identification (RFID) card, a card reader system, and an insurance system. The radio frequency identification card is coupled to a patient and is capable of transmitting card data. The card reader system receives the card data...

20060224421 - Integrated data collection and analysis for clinical study: A data collection system includes remote, implantable sensors for monitoring one or more patient parameters, collecting and processing data from those sensors and utilizing that data in the performance of a clinical study of a drug or other pharmacological agent. The system assists with preparation of a protocol for a...

20060224422 - System and method for applying for insurance at a point of sale: A method for applying for insurance for a product at a point of sale is described. The method comprises obtaining an appraisal for a product at a point of sale; a customer, in response to receiving the appraisal for the product at a point of sale, compensating the point of...

20060224424 - Business context services for adaptable service oriented architecture components: A method, system and apparatus for a commerce system having a service oriented architecture (SOA). The SOA commerce system of the present invention can include a component logic container exposing an interface to one or more accessing clients and having a configuration for hosting one or more business components. The...

20060224425 - Comparing and contrasting models of business: The present invention extends to comparing and contrasting models of business. Model processing modules implement formal operators that can be used to manipulate models of business. A compare operator can be used to compare similarly typed models of business. A contrast operator can be used to contrast differ types of...

20060224423 - Transportation planning with parallel optimization: Systems, methodologies, media, and other embodiments associated with parallel optimization in transportation planning are described. One exemplary method embodiment may include selecting, in parallel, candidate loads to satisfy a set of orders, selecting final loads from the candidate loads, and in parallel selectively manipulating the final loads into a transportation...

20060224428 - Ad-hoc and priority-based business process execution: A system and method of executing ad-hoc extensions of a business process instance is disclosed. One or more anchors are provided in a business process definition, where each anchor includes a link to at least one ad-hoc process fragment. User input signals are received to activate or deactivate selected ones...

20060224430 - Agenda based meeting management system, interface and method: A system, interface and method provide for agenda based meeting management that enables an agenda to be determined and utilized for managing one or more meetings that may include locally located participants, remote participants or both. Various embodiments enable meeting management to be conducted in an independent manner or in...

20060224427 - Method, system, and program product for individual and group work space allocation and utilization: The present invention provides a method, system, and computer program product for individual and group work space allocation and utilization. The method comprises: providing a plurality of free spaces in a work environment; and dynamically mapping one of the plurality of free spaces to a user based on a set...

20060224429 - Touchless and touch optimized processing of retail and other commerce transactions: A computer implemented method for reducing input performed in a commerce based application is provided. The method includes receiving a sequence of input values from an input device and associating the sequence of input values with an object in the application based on the sequence. A context of the application...

20060224426 - Transportation planning with system assisted exception resolution: Systems, methodologies, media, and other embodiments associated with manipulating a transportation plan based on system assisted exception resolutions are described. One exemplary computer-implemented method embodiment includes accessing transportation orders and an actionable plan of loads. The method may also include identifying planning exceptions, identifying candidate planning actions for resolving the...

20060224431 - Data processing method, system and computer program: A system, method and computer program product are disclosed for data processing in a supply chain management utilizing a central data processing system which integrates a plurality of functionalities for partner and system determination, as well as availability checking. Upon receiving a request which includes a plurality of items from...

20060224433 - Device and method for managing event information in wireless terminal: A device and method is provided for managing event information in a wireless terminal. The device includes a controller for controlling and sorting at least one event information based on a menu, and providing an identifier corresponding to the menu on a date-by-date basis, and a displaying unit for displaying...

20060224432 - Workflow scheduling system: A workflow scheduling system arranged to provide a workflow to a user who has requested work to be implemented comprises means to generate a workflow comprising an a set of actions and a logical dependency between the actions; means to allocate a resource capacity to each action; and means to...

20060224434 - Human data acquisition and analysis for industrial processes: A method for optimizing an industrial process using human performance data is disclosed. The method includes collecting human performance data from at least one sensor element associated with at least one human and verifying the human performance data collected. The method further includes analyzing the human performance data collected for...

20060224436 - It resource management system, it resource management method, and it resource management program: An IT resource management system for managing a plurality of IT resources owned by a plurality of operating entities includes a supply condition accumulating part for accumulating a supply condition of a surplus IT resource, a demand condition accumulating part for accumulating a demand condition of an insufficient IT resource,...

20060224438 - Method and device for providing information: The objects of the present invention are, in connection with the provision of information mainly through images to the general public or to individuals, to detect whether the user or users who is or are at a place from where he, she or they can observe the image is or...

20060224435 - Method and system for quantifying relative immediacy of events and likelihood of occurrence: A method and system for quantifying market research. In one embodiment, a method of quantifying a likelihood of a plurality of events occurring within a specified time frame includes receiving a plurality of qualitative data corresponding to each one of the plurality of events. The method also includes quantifying the...

20060224439 - Method of and apparatus for forecasting item availability: A method and apparatus is described for determining the probability that an item will be available at a particular location at an expected time of transaction for the item. Variances for both reported and unreported sales rates of the item may be calculated. Probability distributions may be generated for these...

20060224437 - Systems and methods for customer relationship evaluation and resource allocation: Customer relationships, particularly in a business-to-business environment, are evaluated and enhanced by generating actionable inferences through the measurement and analysis of both customer satisfaction and customer importance. Customer satisfaction information is captured from both an internal channel comprising key internal customer contacts or boundary employees, as well as an external...

20060224441 - Method and system for improving quality in a service industry: A system and method for improving quality. In one embodiment, the system includes an electronic device for classifying an organization into one of a plurality of hierarchical quality service levels. Each of the levels has associated attributes that should be satisfied before an organization proceeds to evaluate the next level....

20060224440 - Systems and methods for determining process cycle efficiency in production environments: A system and method whereby the process cycle efficiency (PCE) of individual workflows may be determined using a combination of data collection tools, data manipulation routines, and statistical analysis methods. The individual workflows may be statistically analyzed to determine the PCE for the overall production process. Changes in performance for...

20060224442 - Closed loop voting feedback: Embodiments of the present invention provide a system and method for providing reviewer feedback identifying a correlation between a reviewer's past voting record and successful results. Based on a reviewer's past record, the reviewer may be assigned a power rating identifying the statistical accuracy of the reviewer's voting history. That...

20060224445 - Adjusting an advertising cost, such as a per-ad impression cost, using a likelihood that the ad will be sensed or perceived by users: A price paid for an ad impression may be adjusted using an estimated probability that the ad will be viewed, or otherwise perceived or sensed, or using one or more factors which may be used to estimate such a probability. The price and/or probability may be adjusted using events occurring...

20060224447 - Automated offer management using audience segment information: An advertiser's management of an advertising campaign may be assisted by (a) accepting information defining a plurality of audience segments to which an advertisement may be served, (b) accepting a first offer, and (c) determining, using the first offer, a second offer associated with at least one of the plurality...

20060224453 - Goods purchasing system and method using online commodity coupon: Provided is a goods purchasing system using an online commodity coupon. The system comprises a first terminal, at least one communicatable second terminal, a commodity coupon server, and a franchise. The system is to provide a goods purchasing system and method using an online commodity coupon, in which the commodity...

20060224451 - Incentive program: An incentive program is described that rewards the participants of the program based on the actions of at least something other than the participants. An incentive program coordinator that can be an individual, a legally created entity, or other organization can run the incentive program. The incentive program coordinator can...

20060224449 - Integrating transaction features into a pos system: A system to process transactions that includes a transaction terminal, and a transaction network selection device in communication with the transaction terminal and also in communication with a plurality of financial data networks, where the transaction network selection device selects one of the financial data networks to conduct the transaction,...

20060224456 - Method and apparatus for conducting or facilitating a promotion: A method and apparatus for conducting a promotion and for distributing promotions to potential users provide a merchant or promotion organizer flexibility in the way they conduct the promotion as well as an ability to change one or more aspects of the promotion during the operation of the promotion. One...

20060224455 - Method and system supporting audited reporting of advertising impressions from video games: A variety of processes for certifying the reporting of advertising impressions provided via video games are described. These certification processes optionally take advantage of automated techniques for verifying that when advertising data is provided a corresponding advertisement is provided within the video game. In addition, as software patches are often...

20060224443 - Method, system, apparatus and computer readable medium for preparing insurance claims for retail activites: 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....

20060224446 - Methods and systems for member-created advertisement in a member network: Methods and systems for members of a member network to create and target advertisement to other members of the member network. A member can target advertisement to other members in the member network by establishing a member profile that includes associations and/or nexuses with the targeted members. Fees can be...

20060224444 - Networking advertisers and agents for ad authoring and/or ad campaign management: As online ads are becoming technically and artistically more sophisticated, advertisers will need a way to efficiently request assistance with ad creations that offer richer ad formats. An online ad business environment helps connect advertisers with ad service providers (also called agents or advisors) who can meet their needs for...

20060224450 - System and method for a customer loyalty program and storage device: The system and method of this invention increases customer contact and affinity with a business through services and information provided via a data storage device. In one exemplary embodiment a retail business provides a targeted customer with a pocket flash drive unit customized with the business's logo on the outside...

20060224452 - System and method for incentive-based advertising and marketing: A computer implemented method for improving consumers' attention and effectiveness of advertisement. The method includes viewing and/or listening to a specific advertisement, and then connecting to a network based system that includes a database listing of advertisements and selecting the specific advertisement. Next, answering one or more questions about the...

20060224448 - System and method for obtaining content based on data from an electronic device: In one embodiment, data from an electronic device is identified. The data may describe an electronic device (e.g. a hardware or software device) on which a document was created or modified, the subject matter of a document, the state of a document, or the like. Content relating to the electronic...

20060224457 - System and method for the presentation of advertisements: A system and method for the presentation of advertisements is present. According to one embodiment, a number of impressions of an advertisement message are presented over a computer network such as the Internet to a variety of viewer computers. Depending on the actions taken by the viewers (e.g., whether the...

20060224454 - Tracking merchant specific reward credits and balances in a multi merchant environment utilizing one card or account number: A loyalty program system and method includes of membership card that is distributed to customers. The membership card is associated with multiple merchants whose accounts are centrally managed but segregated from one another. In this manner a customer only needs to carry a single card while participating in promotions that...

20060224458 - Menu post, wireless headset and telephone system interface controller: The present invention relates to an interface controller that integrates an existing telecommunication device, a door answering system and a headset base all set up in a restaurant. Based on the operation modes performed by the interface controller, a remote order center can talk to the customers in the restaurant...

20060224459 - Incoming/outgoing goods management system and incoming/outgoing goods management method: An incoming/outgoing goods management system showing the stock status of goods and the details of the incoming/outgoing goods work without delay. The gross weight of goods, and an unopened goods package and open goods package which store the goods measured by a weight sensor, and an ID tag attached to...

20060224462 - Automated jewelry exchange: An information processing system for facilitating jewelry transactions is disclosed. The information processing system includes a first interface for receiving from suppliers information relating to a plurality of items of jewelry available for purchase and components related to the items and a database configured for storing the information relating to...

20060224460 - Image edition service system and screen information generation method: An image-editing service system comprises a server, a user terminal, an administrator terminal, a worker terminal, and the server including a database for storing the image information sent from worker terminal, a first image generating section for generating a first image based on the image information stored in the database,...

20060224464 - Method and apparatus for facilitating electronic commerce through providing cross-benefits during a transaction: A merchant server of a first merchant receives an indication of items that a customer is to purchase via a web site. The indication may be, for example, a signal indicating that the customer is ready to “check out” his shopping cart of items on the web site. In response,...

20060224463 - Print order accepting apparatus and printing system: A photo printing system includes a display to display thereon an order screen containing at least one of images corresponding to image data files read out from a recording medium by a reading unit; and an inputting unit to be used for inputting order information containing the number of prints...

20060224468 - System and method for selecting photographic images using index prints: A method for remotely selecting and ordering photographic prints, includes the steps of: sending a photographic film bearing a plurality of latent images to a photofinisher; developing the photographic film to produce visible images and scanning the visible images to create a digital image file at the photo finisher; producing...

20060224465 - System and process for local acquisition of products priced online: A system and process for establishing prices for products on line and for allowing acquisition of those products from retailers that honor such prices. The system and process involve a customer having a credit card account, a computer terminal configured to access a network, and a central authority coupled to...

20060224466 - System and process for local acquisition of products priced online: A system and process for establishing prices for products on line and for allowing acquisition of those products from retailers that honor such prices. The system and process involve a customer having a credit card account, a computer terminal configured to access a network, and a central authority coupled to...

20060224467 - System and process for local acquisition of products priced online: A system and process for establishing prices for products on line and for allowing acquisition of those products from retailers that honor such prices. The system and process involve a customer having a credit card account, a computer terminal configured to access a network, and a central authority coupled to...

20060224461 - Systems and methods for providing client based photo user interface: Systems and methods are disclosed for providing a user interface for a set of multimedia assets distributed between a web service and a local client by uploading the set of distributed multimedia assets to the web service from the local client and subsequently updating the set of distributed multimedia assets;...

20060224470 - Digital mobile telephone transaction and payment system: Allows for the use of any type of mobile telephone as an activating equipment for payment devices using any mobile telephone network employing any technology in any country connected to the system. Includes a group of payment and operations processing centres (1) in different countries, which are interconnected through international...

20060224469 - In-line secondary transaction: In-line secondary transaction is described. In an embodiment, an on-line shopping interface is displayed via which an item can be selected for purchase. When a selection is received to initiate a purchase of the item, a determination is made that a secondary transaction is needed to complete the purchase of...

20060224471 - Spindle with an rfid function: A spindle with an RFID function includes a disc support and an RFID tag. The disc support has a bottom seat, and a positioning axle connecting to the bottom seat. The disc support is used to support discs in a disc production process. The RFID tag is installed inside or...

20060224472 - Systems and methods for intelligent communicating storage of condition monitorable replaceable components: An intelligent communicating supply storage unit is provided, tailored to storing one or more replaceable components for one or more supply-consuming devices. The storage unit may provide capabilities: (a) to sense a presence or absence of replaceable components for associated devices, which may include determining that the correct components are...

20060224473 - Adjustments to relational chart of accounts: A computer-readable medium and a computer implemented method to enable a computer to provide a relational chart of accounts with an underlying data support scheme that allows for an undetermined number of dimensions to be used with an account. Dimensions can be added or removed without having to perform a...

20060224474 - Dimension sets: A computer-implemented accounting system provides user-definable transaction dimensions. An enterprise having a plurality of sub-units can define sets of transaction dimensions for use by the sub-units. Each sub-unit can specify a set defined by the enterprise for use and the display order for the set. A computer implemented method is...

20060224476 - Long distance trading system: The invention relates to a long distance trading system for carrying out a transaction via a platform between a seller and a buyer, wherein the seller and the buyer are far away from each other. The long distance trading system not only protects the seller of the goods by holding...

20060224475 - Method and system for defining data in a transaction: A method and system for defining data in a transaction for an accounting system. A data structure includes a transaction category entity defining an area in a business where transactions occur. The data structure also includes a transaction type entity having an association with the transaction category entity and defining...

20060224477 - Automated auction method for staffing work shifts: A procedure is provided by which a worker is able to alter his or her work schedule using a computer system. The worker accesses work shift positions that have been designated as being alterable and chooses one as a selected work shift position. That selection may also specify a wage...

20060224478 - Personnel absence management and monitoring system: The invention provides a system for recording and reporting employee absences. It tracks and administers information needed to comply with the Family Medical Leave Act (FMLA), state and employer authorized leave along with employee attendance policies and vacation plans within the employer's system. In a preferred embodiment, the system is...

20060224487 - Apparatuses, methods, and systems to design, develop, and implement book income indices: The disclosure details the implementation of apparatuses, methods, and systems of developing and constructing book income indices. The disclosure teaches methodologies for the performance measurement of a portfolio accounted for on an historical cost-based method. Book income indices measure the performance of a base-line asset class (the “market”). Unlike total...

20060224485 - Method and system for creating an equity exchange fund for public and private entities: A method and system for creating an equity exchange fund for public and private entities are provided. The method includes the steps of receiving an application to participate in the fund from at least one investor, the investor having a position in at least one commercial entity; evaluating the entity...

20060224486 - Method and system for generating a valuation metric based on growth data factors: The present invention relates to a system, method and apparatus for evaluating a variety of financial information, determining a valuation metric, and distributing the valuation metric to system users. The valuation metric distribution may be configured by an administrator for automatic distribution of the valuation metric to system users. Alternately,...

20060224488 - Method for calculating portfolio scaled irr: Process and system for simultaneously evaluating performance attribution for each of multiple aggregates in a private portfolio through use of a multiply neutrally-weighted portfolio created with one or more neutrally-weighted portfolio dummies....

20060224481 - Method for determining the current value of a future development: A method for determining the current value of a future development is disclosed. The method includes receiving a set of data corresponding to a plurality of variables associated with the future development and converting the set of data to a financial gain distributed over an estimated production period. The method...

20060224483 - System and method for an exchange of financial instruments: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a...

20060224484 - System and method of economic taxation: A method of taxation comprising the following steps: changing consumption tax rates at short intervals of time; applying the consumption tax rate in effect to every taxable transaction that occurs during that short interval of time; setting progressive income tax rates to be in effect for a long interval of...

20060224480 - Systems and methods for loan management with variable security arrangements: A data processing system, program product, and method is provided for managing at least one credit-granting account of a participant. The system comprises in one embodiment an electronic database including information describing collateral assets of the participant used for securing the credit-granting account, and a computer system comprising one or...

20060224482 - Systems and methods for managing an asset inventory: A method of managing an asset inventory is provided. The method includes obtaining data related to assets of the asset inventory and analyzing the obtained data to estimate a total number of assets required by the asset inventory over a time period. The method also includes determining a first cost...

20060224479 - Technology portfolio health assessment system and method: A system and method for producing infrastructure health assessments enabling enterprises to monitor the health of individual technology portfolios and plan accordingly is disclosed. The tool uses two primary assessments to determine: 1) an infrastructure score based the general health of asset components; and 2) adaptability score based on asset...

20060224498 - Internet-based money order system: A system and method for purchasing a money order via the internet including the steps of providing an internet based money order system capable of generating money orders upon the receipt of a purchase request by a prospective buyer via the internet for a predetermined amount of funds. The prospective...

20060224489 - Method and system for providing displays of securities trading information: A method for providing a display of securities information, said includes entering securities trading information comprising a closing price for at least one security from a previous trading period, at least one price for the at least one security in a current trading period, and displaying the securities-trading information in...

20060224497 - Method, system and computer program product for facilitating an auction behavior and automatic bidding in an auction: One or more proxy bidders is associated with a rule which determines a time to place a bid. The proxy bidder places a bid at the determined time, instead of immediately after the bidder's prior bid is exceeded. Such rules may be selected for all proxy bidders to encourage a...

20060224495 - Methods and apparatus for optimizing the distribution of trading executions: The present invention relates to electronic trading of securities. In some embodiments, the present invention relates to methods and apparatus for optimizing the distribution of trading executions in an investor's accounts. Pursuant to some embodiments, an integer allocation algorithm is provided....

20060224490 - Services scheduling: A system and a method to receive a price submission in connection with a service at an incremental time block is described. Schedule information is to be received from a service provider. The information indicates at least one incremental time block at which the service provider is available to provide...

20060224496 - System for and method of expressive sequential auctions in a dynamic environment on a network: In an on-line ad auction, bids for the right to display at least one advert on a display of a computer of a computer network in response to the bid being allocated a query received from the computer are received via a computer network. At a time t, at least...

20060224493 - Trading and settling enhancements to the standard electronic futures exchange market model leading to a novel pooled and potentially guaranteed risk deposit market: A method allows an interbank deposit market to be created within an adapted electronic futures exchange type market model, rules and legal environment. The basic embodiment allows all participating individual banks to avoid the need to calculate and maintain traditional counterparty credit limits against each other. Another embodiment comprises the...

20060224491 - Trading and settling enhancements to the standard electronic futures exchange market model leading to novel derivatives including on exchange isda type credit derivatives and entirely new recovery products including novel options on these: A set of linked methods allows accessing derivative products other than traditional futures and options within an adapted electronic futures exchange type market model, rules and legal environment. One embodiment comprises a linkage of such new methods which provides exchange members with access to several new products giving either entirely...

20060224492 - Trading and settling enhancements to the standard electronic futures exchange market model leading to novel derivatives including on exchange isda type interest rate derivatives and second generation bond like futures based in part or entirely on them: A set of linked methods allows accessing derivative products other than traditional futures and options within an adapted electronic futures exchange type market model, rules and legal environment. One embodiment comprises a linkage of such new methods which provides exchange members with access to exact OTC ISDA type interest rate...

20060224494 - Trading and settling enhancements to the standard electronic futures exchange market model that allow bespoke notional sizes and better global service of end users and make available a new class of negotiable security including equivalents to products nor: A pair of clearing house enhancements comprising a method that allows bespoke notional sizes to be handled rigorously plus a method that allows a plurality of daily settlement times to be introduced over the product set within an adapted electronic futures exchange type market model, rules and legal environment. In...

20060224499 - Method and apparatus for computing a loan quality score: A method of computing a loan quality score using user input data concerning a subject property and the proposed loan, The loan quality score is useful in determining the probability that fraud is involved in the property loan request being made to a lender....

20060224501 - Online loan qualification and processing method: A method by which a consumer can directly manage a loan application process over the Internet from the initial request to final closing. The overall process is automatically driven by the progressive collection of consumer data and the completion of tasks provided to the consumer. The tasks are compiled in...

20060224500 - System and method for creating risk profiles for use in managing operational risk: A computer-based system and method, a computer readable medium comprising software, and a data structure for creating a risk profile for a business unit of an enterprise for use in managing operational risk....

20060224502 - System and method for online peer-to-peer banking: A method for providing a peer-to-peer loan service includes providing a website, listing lenders and amount of capital offered to be loaned and loan terms for each of the lenders in a lender database, placing a bid for a desired loan amount and desired loan terms by a borrower in...

20060224503 - Integrated online help system and buyer-initiated c2c marketplace: An integrated online help system and buyer-initiated C2C marketplace. A client who is in need of help posts a request (Goods Wanted or Info Wanted) at a client system, including a detailed description of the request and the fees to be paid. The server system notifies a selected group of...

20060224506 - Method and apparatus for providing and processing installment plans at a terminal: A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase...

20060224504 - Mobile biometric merchant transaction processing: A method and system to enable mobile merchants process transaction payments. The system uses a BID card, smart device, merchant device, smart card reader scanner writer, and RFID reader. The BID card or smart device holds a merchant or non-merchant's personal, account, and biometric information. The merchant device contains one...

20060224505 - Multi-player game using simulated credit transactions: A method and system provides credit arrangements in simulated environments. A user can participate in credit transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users can make simulated purchases or...

20060224507 - Flexible billing adjustment system: The present invention relates to flexible billing systems that can be used within the transportation industry to facilitate credit card billing adjustments to credit cards that were previously used by customers to pay for one or more shipping charges. In particular, the present invention provides a system or tool that...

20060224509 - Method and apparatus for a cryptographically-assisted commerical network system designed to facilitate and support expert-based commerce: The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications....

20060224510 - Method and apparatus for a cryptographically-assisted commerical network system designed to facilitate and support expert-based commerce: The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications....

20060224508 - Online debit cardless debit transaction system and method: Discloses a payment transfer system used to transfer funds from a payer to a payee using an online payment processor gateway. The payment processor gateway is accessible by a payer over the internet from a merchant web site or by telephone contact using mobile SMS messaging or mobile, POTS or...

20060224511 - Anti-phishing methods based on an aggregate characteristic of computer system logins: An anti-phishing method comprises monitoring a plurality of logins into a computer system over a period of time, and generating a phishing alert signal based on an aggregate characteristic of the plurality of logins....

20060224513 - Content information providing system, content information providing server, content reproduction apparatus, content information providing method, content reproduction method and computer program: A content information providing system is disclosed which can protect the copyrights of contents while permitting users who do not purchase the contents to utilize the contents. A content information providing server includes a user information storage section for storing a user key unique to each user, a content key...

20060224512 - Delivery management system and delivery cabinet: The present invention provides a delivery management system including a public key storage unit for storing a public key of the addressee; a secret key input unit for inputting a secret key of the addressee; and an authentication unit for authenticating the addressee on the basis of the secret key...

20060224514 - Method and system for managing web profile information: A method and system for providing, storing and managing a user profile. A user profile is originally stored in a central storage repository which can then be accessed by many different providers. After appropriate authentication the user profile can then be downloaded to the provider sites. This means a user...

20060224515 - Method of purchasing digital music, concerts, movies, television shows: A method of distributing digital entertainment works at least partly over a global computer network, which includes providing a card containing a code and information as to a digital entertainment work associated with each card, distributing the card to a purchaser, providing a website having a transfer area, the website...

20060224516 - Method of purchasing digital works, such as music, concerts, movies and teleivision shows: method of distributing digital entertainment works at least partly over a global computer network, which includes providing a printed medium containing a code and identifying information relating to a digital entertainment work, distributing the item to a purchaser, and providing a website accessible over the Internet by the purchaser. In...

20060224517 - Systems and methods for delivering digital content to remote locations: Systems and methods for delivering digital content from a central location to one or more remote locations are described. The systems contain a centrally-located device where the digital content is stored, a remotely-located device for delivering the digital content to an end user, and means for transferring the digital content...

20060224518 - Partial credential processing for limited commerce interactions: A method, system and apparatus for partial credential processing for limited commerce system interactions. The method can include identifying a visitor to a commerce system as an unauthenticated albeit registered user of the commerce system. Subsequently, the visitor can be provided access to a limited subset of commerce data for...

20060224519 - Apparatus and method for protecting transmission of communication content: An apparatus and method are disclosed for protecting the transmission of communication content transmitted between client and server, where a server comprises an application program which delivers a key distribution command if a request for content is received from a client, and transmits the content to the client if key...

20060224522 - Method and system for database licensing: A licensing service for a data repository, including software instructions to perform: dividing a data store into a plurality of domains; assigning a license number to at least one of the plurality of domains; and checking a license of a user with the assigned license number. A method to expedite...

20060224520 - Software suite activation: A method and a system perform software suite activation. In some embodiments, a method includes installing a software suite having a number of software products onto a computer device. If a copy of one of the number of software products is already activated on the computer device, the installing includes...

20060224521 - Verified transfer of media data: A system for transferring verified media data. The system comprising: an item of content storing the media data, and having an associated serial number; a computing device including a first storage device and a network interface; a secure copying application program; a secure copy of the media data generated by...

20060224523 - Dynamic keypad: Methods and apparatus for providing a dynamic interface, for example, a keypad on a touch screen. When the touch screen displays a keypad, the appearance of the keypad is randomly generated. In an embodiment, consecutive keypads can differ with respect to any combination of the size of the keys, the...

20060224524 - Method and system for publication: A method and system for publication is disclosed wherein a publication service provider offers a publication service to a sponsoring organisation for publication of independent and sponsor-specific dependent information to targeted stakeholders in the sponsoring organisation's field of endeavour or industry. The publication system and method may be implemented on...

20060224525 - Multi-operator media content broker: A broker node is provided, acting as an intermediate administrator for all operators during service content distribution. A content provider has a single relation to the broker. This broker has in turn relations to a number of other operators. The content provider provides the communication content. A list of targeted...

20060224526 - Method and apparatus for identifying, managing, and controlling communications: A method and apparatus for sorting, prioritizing, identifying, managing, and otherwise controlling (collectively, “controlling”) a communication. A frank may be used to associate a value and a class with a communication. The communication may be associated with the frank through the method of selecting a frank associated with a value...