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US20090292653 |
SYSTEM AND METHOD FOR USE IN CONNECTION WITH AN ANNUITY
A method for determining one or more features of an annuity includes receiving data indicative of a prospective annuitant's personal expenses in at least a first expense category and a second...
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US20090292631 |
ELECTRONIC PURCHASING METHOD AND APPARATUS
A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In...
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US20090292630 |
Transaction Accounting Auditing Approach and System Therefor
Accounting data is classified to facilitate transaction processing and management. According to an example embodiment, data based rules are implemented for classifying transaction-related data into...
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US20090292629 |
Access network optimization methodology for leased switched and dedicated facilities
A methodology for optimizing the cost associated with access charges incurred by network service providers when leasing communications facilities from a local service provider has been developed...
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US20090292628 |
SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PERFORMING ITEM LEVEL TRANSACTION PROCESSING
The present invention provides systems, methods, and computer program products for performing validation and clearance at a transaction item level for transaction received in a batch format. Each...
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US20090292607 |
USER SELECTABLE FUNCTIONALITY FACILITATOR
Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or...
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US20090292598 |
CREDIT EARNING SYSTEM AND METHOD FOR OBTAINING MEDIA RIGHTS
A method and system for earning credits from a content rights provider/issuer ( 10 ) for obtaining content rights includes, in response to a trigger event ( 20 ), prompting ( 24 ) a user to provide...
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US20090292597 |
Parking payment and enforcement mechanism
This application describes a means of paying for metered parking using the cell phone. It uses information from telecommunications systems to identify the region of the origin of the caller and the...
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US20090292591 |
Electronic Transaction Receipt System and Method
In connection with a sales transaction, an electronic receipt is issued to the buyer that includes hyperlinks. A hyperlink can be associated with post-sale interaction with the product seller, the...
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US20090292589 |
Systems and Methods for Sales Tracking, Accountability, and Reporting
A system for tracking and managing sales performance of producers within an insurance agency. The system includes a database housing sales information for the agency, a sales management server...
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US20090292585 |
METHOD FOR ONLINE SELLING AND MANAGING UNITEDLY BY FRANCHISE'S PARTICIPATION OF PARTIAL RESPONSIBILITY
In a hot chamber die casting apparatus of pressurizing molten magnesium alloy at an atmospheric pressure or higher without being exposed to the atmosphere and forming a magnesium alloy casting...
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US20090292565 |
Method of Managing Unemployment Claims
Various embodiments of this invention disclose a computer-aided human resources employment system and method that electronically captures and shares, in real-time, human resources and unemployment...
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US20090287590 |
Multi-Supplier Transaction and Payment Programmed Processing System and Approach
In an example embodiment, a computer-based contract-management approach processes transactions involving at least one supplier (i.e., seller or sellers) fulfilling one or more sub-components of the...
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US20090287557 |
SYSTEM AND METHOD FOR INCENTIVIZING CONSUMERS
The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments...
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US20090287554 |
COMPUTER-IMPLEMENTED METHOD AND COMPUTING SYSTEM FOR PROVIDING ADVERTISEMENT CONTENT, AND COMPUTER-IMPLEMENTED METHOD AND COMPUTING SYSTEM FOR EXPOSING ADVERTISEMENT CONTENT
A computer-implemented method and computing system for providing advertisement content and a computer-implemented method and computing system for exposing advertisement content are provided. A...
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US20090282192 |
Smartcard Accessed Secure Electronic Data Storage System
A health monitoring and diagnostic device (LIFESTREAM cholesterol meter) configured as a self-contained testing and diagnostic unit in a clam-shell type case. One side of the case includes a...
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US20090281936 |
Capital Allocation and Risk Management
In an approach to financial management, a data representation is formed that defines a number of data elements and relationships between the data elements according to one or more regulatory...
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US20090281935 |
Method and apparatus for efficient handling of product return transactions
A method and apparatus for efficient handling of product returns to reduce associated costs. A computer system at a regional product return center scans a returned product for identifying...
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US20090281934 |
System And Method For Determining Trailing Data Adjustment Factors
Timely projections of product sales for a reporting time period are obtained by combining actual sales data received from reporting stores and estimated sales data for non-reporting stores. The...
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US20090281933 |
VALUE MANAGING DEVICE AND VALUE MANAGING METHOD
Numeral values relating to depletion can be managed in real time on a component-by-component (unit-by-unit) basis. A value managing device is provided, and manages the current asset values of...
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US20090281932 |
Data Storage and Processor for Storing and Processing Data Associated with Derivative Contracts and Trades Related to Derivative Contracts
The description generally describes systems and methods for managing derivative contracts. The system maintains derivative contract states using a set of rules to ensure subsequent post-trade...
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US20090281931 |
Data Storage and Processor for Storing and Processing Data Associated with Derivative Contracts and Trades Related to Derivative Contracts
The description generally describes systems and methods for managing derivative contracts. The system maintains derivative contract states using a set of rules to ensure subsequent post-trade...
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US20090281905 |
System and method for charitable donations
A method and system is provided, in which an interfacing device is distributed free by a value net integrator to end users, or supporting parties, whose normal use thereof may benefit a soliciting...
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US20090281891 |
SYSTEMS AND METHODS FOR VENDING MACHINE FINANCING
According to some embodiments, systems, methods, and/or articles of manufacture are associated with facilitating and/or managing vending machine financing and/or other vending machine agreements.
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US20090281889 |
DISPLAYING TARGETED ADS IN UNUSED AREAS OF BROWSER WINDOWS AND USING USER PREMISSSIONED PERSONAL PRIVATE INFORMATION IN CONNECTION WITH WEIGHTED DISPLAY OF ADS, ONLINE SEARCH RESULTS AND SEARCH ADS
A method comprises obtaining a user profile from a user who registers with an online service, providing the user profile to an ad server, receiving from the ad server a targeted ad based on the...
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US20090281873 |
Systems and methods for providing spending information and budgeting recommendations to students
Systems and methods are provided for electronically providing spending information and budgeting recommendations to a student of an educational institution. The systems and methods comprise...
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US20090281871 |
METHOD, SYSTEM, AND COMPUTER PROGRAM FOR PROVIDING A LOYALTY ENGINE FOR AUTOMATED CAUSE MANAGEMENT
A method, system and computer program for providing a loyalty engine for automated cause marketing. The method includes a charity linking merchants and sponsors to the loyalty system. Members...
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US20090281854 |
Interactive knowledge sales market database
The interactive knowledge sales market database is organized into four cooperating peer systems. The database system includes an advertisement broadcast system, for catering to individual...
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US20090276344 |
Field 55 parser
A payment device, method, and apparatus configured to parse customer exclusive data from a payment device or financial transaction data.
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US20090276343 |
Account communication management
The present invention relates to a method and system of managing communication with a set of accounts. The method includes the step of: allocating each account to a portfolio using a filter;...
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US20090276342 |
Pre-Pay Communication Services
A method and system for crediting a user account of a pre-pay communication service is presented. The method comprises the steps of: providing a shared credit resource to which a plurality of users...
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US20090276341 |
SYSTEM AND METHOD FOR AUTOMATED CUSTOMER ACCOUNT CREATION AND MANAGEMENT
A method and system to automatically create and manage patron accounts using electronic data capture at an automated machine or kiosk, including electronically obtaining personal patron...
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US20090276340 |
System and method for accounting gateway
The present invention provides an accounting gateway for facilitating and effecting translation and efficient data transfer between an accounting system and a plurality of client systems operating...
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US20090276322 |
RETAILER DEBIT CARD SYSTEM
Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes...
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US20090276308 |
ONLINE INCENTIVE MANAGEMENT
Various methods and systems are provided to facilitate the centralized storage and access of online incentives such as coupons redeemable at associated online marketplaces. In one example,...
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US20090276303 |
Systems and methods for mobile wireless advertising platform part 1
A system of wireless advertising platform has a handheld wireless device that has an inbound wireless data function with a storage function to be able to receive and store, audio, text, image, and...
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US20090271413 |
TRIAL LISTENING CONTENT DISTRIBUTION SYSTEM AND TERMINAL APPARATUS
The present invention provides a content distribution system capable of improving user convenience and effectively distributing content for trial listening. A terminal apparatus includes: a content...
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US20090271304 |
IMAGE PROCESSING APPARATUS, METHOD, AND STORAGE MEDIUM
An image processing apparatus that charges a user for executing a predetermined image process holds charging information in a storage device, charges a user for executing the predetermined image...
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US20090271302 |
SYSTEM AND METHOD FOR ENSURING ACCURATE REIMBURSEMENT FOR TRAVEL EXPENSES
An Expense Verification System (EVS) checks for fraud and errors in reimbursement requests. The EVS stores requests including reference numbers, and receives travel reservation records from a...
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US20090271301 |
MULTIPLE RATE CURRENCY CONSOLIDATOR
A multiple currency rate consolidator addresses the needs of multi-national companies that do business in different currencies and tax localities. A consolidated view of financial data may be...
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US20090271300 |
Ad-hoc updates to source transactions
Systems, methods, and other embodiments associated with handling a change to a transaction at an application level are described. One exemplary method includes receiving, in a sub-ledger accounting...
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US20090271299 |
NEGATIVE BALANCE MANAGEMENT
A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts...
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US20090271298 |
Securitized Commodity Participation Certificates Securitized by Physically Settled Contracts
Techniques are described for securitizing, administering and trading various derivative shares securitized by derivative, physically-settled instruments on underlying assets that is, physical...
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US20090271286 |
METHOD AND SYSTEM FOR CUSTOMIZING MARKETING SERVICES ON NETWORKS COMMUNICATING WITH HYPERTEXT TAGGING CONVENTIONS
The present server based communications system provides dynamic customization of hypertext tagged documents presented to clients accessing the system. The customization, which pertains to the...
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US20090271284 |
Community based electronic bartering network
An electronic bartering system which associates each user with at least one community and enables users to create their own communities. Each user can specify at least one barterable item in a wish...
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US20090271247 |
SYSTEM FOR CREATING A SOCIAL-NETWORKING ONLINE COMMUNITY
A system and method are provided for creating a social-networking community and enabling the social-networking community to interoperate with other social-networking communities within a network of...
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US20090265260 |
PREPAID CHIP CARD EXCEPTION PROCESSING
A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any...
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US20090265259 |
METHOD FOR TRIGGERING A COST ENTRY
A method for triggering a cost entry in the context of a job is disclosed, which is issued by a management information system, and executed on an execution system, wherein the execution system...
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US20090265221 |
SYSTEMS, METHODS, AND APPARATUS FOR ANALYZING THE INFLUENCE OF MARKETING ASSETS
In various embodiments, the influence of marketing assets upon an individual are analyzed. In particular, a record of the individual's interactions with a first marketing asset of a first marketing...
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US20090265211 |
METHOD AND SYSTEM FOR DETECTING FRAUD
A system and method for detecting fraud when facilitating a payment transaction over a global wide area network. The method comprises receiving a sale information, receiving a payment information...
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