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Vertical curve system for surface grading
A method is disclosed that generates design profiles and a surface therefrom that promote water drainage from soil in an area of interest. Topographical data...
Adaptive multivariate model construction
The present embodiment is able to find the optimal or near optimal variables composition of multivariate models by an evolutionary process within acceptable...
Method and system for web resource location classification and detection
A method and system for identifying locations associated with a web resource is provided. The location system identifies three different types of geographic...
Analysis of powder metal production of a component
A method of calculating the cost saving for producing a metallic component by the use of a powder metal process is provided. The method includes the steps of...
System and method for mail verification
A system and method is provided for transmitting mail verification data over a wide area network, such as the Internet, in response to receiving and...
Calculating relationship strengths between users of a computerized network
A set of values is first determined. Such values include: a relative total value with respect to other users that is based on a total quantity of electronic...
Method and system for detecting fraud in non-personal transactions
A method and system us disclosed for detecting fraud is non-personal transactions. The method and system comprise transmitting the purchaser's data, includes a...
Multi-function code activated product and service delivery
A system for providing a wide range of telecommunications initiated data fulfillment services in which a multi-function code, such as "*#" (star, pound), input...
Performing a business transaction without disclosing sensitive identity
information to a relying party
A user engages in a transaction with a relying party. The relying party requests identity information from the user in a security policy and identifies...
Advanced crypto round dater
There is provided a cryptographic round dater and its method of use. By capturing customer profile information and encoding the information on a label affixed...
Method and device for franking postal deliveries
A method and device for franking mailpieces. An operating unit, which is separated from a franking unit, transmits a transaction request to an authorization...
Token based club digital content licensing method
A predetermined number of license units for each of a plurality of individually selectable pieces of digital content in a digital content suite are checked out...
Disaggregated secure execution environment
An electronic device, such as, a computer, may be adapted for self-monitoring for compliance to an operating policy. The operating policy may specify a...
Scalable distributed transaction manager for multi-host transactions
Transactions such as sales and exchanges of resources are managed in a virtual environment. A transaction manager receives a request for a transaction which...
Integrated business systems for web based telecommunications management
The specification discloses a method of doing business over the public Internet, particularly, a method which enables access to legacy management tools used by...
Method and apparatus for a no pre-set spending limit transaction card
A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card,...
Method and system for using an electronic check system
In general, the invention relates to a method for transferring funds. The method includes receiving a request to initiate a secure fund transfer, where the...
Billing system and method for micro-transactions
Billing a customer through an intermediary billing system for a transaction by receiving, at the intermediary billing system, a transaction request associated...
Technique for identifying probable billers of a consumer
A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce...
Systems and methods for processing transactions using multiple budgets
Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be...
Method and system for payer-centric payment using mobile terminal
Provided are a method and system for payer-centric payment using a mobile terminal through which payment is made while information about a payer is not released...
Person-to-person funds transfer
Systems and methods are illustrated for performing a person-to-person funds transfer. A person-to-person funds transfer process may be divided into a funds...
Methods and systems for payment transactions in a mobile environment
Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected...
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...
Method and system for enhancing credit line management, price management
and other discretionary levels setting...
A method and system is disclosed for enabling the accurate determination of price points (APRs), credit limits, and other discretionary levels for each...
Truth revealing market equilibrium
To use market clearing methods to determine market equilibrium, a market clearing situation is established by determining a number of items to be sold at the...
Computer-based right distribution system with password protection
An automated ticket auctioning system receives and evaluates bid information records received from a plurality of remote terminals. Each bid information record...
System and method for hybrid spreading for risk management
A risk management system and method is disclosed which utilizes a flexible and configurable set of spreading techniques which may be incorporated into existing...
Trade execution methods and systems
The present invention is directed to the field of securities trading. One embodiment of the present invention relates to securities trading using electronic...
Method and apparatus for an electronic marketplace for services having a
A method and system for buying and selling services online includes a process for custom services, a commodity process and a collaborative workspace on a...
Trading and investment calculator
The specification discloses a handheld computing device or portable electronic calculator that comprises a software application adapted to provide instructions...
Device, system and method of automatic financial-instrument management
Devices, systems, and methods of automatic Financial-Instrument (FI) management. In some embodiments, a system includes, a memory having stored thereon...
Method and system for predictive event budgeting based on financial data
from similarly situated consumers
Financial data associated with one or more "contributing consumers" is obtained from one or more sources. The financial data obtained from the one or more...
Risk management system
The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of a...
Data processing for an exchange traded fund
An accounting system allows posting transactions to a general ledger of an Exchange Traded Fund. The accounting system includes a computer-assisted process that...
Biometric financial transaction system and method
Tokenless biometric authorization of transaction between a consumer and a merchant uses an identicator and an access device. A consumer registers with the...
Method for online account opening
The present disclosure describes novel methods that can be utilized to choose, set up, open, and/or manage an online account at a financial institution. The...
System and method for asymmetric offsets in a risk management system
A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical...
System and method for providing a packaging recommendation to a shipping
A system and method for providing a packaging recommendation to a customer is disclosed. The system presents the customer with a merchandise list of...
Using commercial share of wallet to rate business prospects
Commercial size of spending wallet ("CSoSW") is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet...
Automated review and hold placement
A method for automated processing of deposit items at a computing device is described. A deposit item, such as case, a personal check, or certified check, is...
Computer support for multi-jurisdictional investment
Machine and related manufacturer controlling multi-jurisdictional investment; a computer system arranged to receive information and locate said information into...
Digital content billing via multiple channels
Embodiments related to billing for digital content via multiple billing channels with different permissible prices are disclosed. One disclosed embodiment...
Inventory management method and program product
A management server for managing inventory of articles and a terminal device for inquiring the condition of inventory are provided. The management server is...
Outsourced generation of behavior-based content
A service is disclosed for enabling web sites and other entities to provide item recommendations and other behavior-based content to end users. The service can...
A method of marketing items comprising: publicizing an auction to sell at least one item, accepting a preset number of price bids for the items, applying at...
Method to provide liquid funds in the online auction and marketplace
A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may...
Self-distribution methods, coded self-distribution methods, and systems
for distributing information
A self-distribution method for distributing information content among network connected devices of a communications network includes receiving a query having a...
User interface for a complex order processing system
A method is disclosed. The method includes detecting a request to change a selected order. The selected order has been submitted for provisioning. The method...
Method, device, and system for analyzing and ranking web-accessible data
A method, system, and computer program product for locating a relevant product via a computer network includes receiving, at a client terminal, a search topic...