Location based licensing
The present invention provides a method and system for location-based digital rights management. Digital rights for protected content are restricted to a...
Decoupling rights in a digital content unit from download
Systems and methods for enabling a user to obtain rights in a legitimate copy of a digital content unit without downloading the copy from a digital content...
Methods and systems for cardholder initiated transactions
A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is...
System, method, and computer program product for payment authorization
based on a variable payment...
A system, method, and computer program product are provided for generating a variable payment authorization score. In use, a payment authorization request is...
Internet billing method
A system that incorporates teachings of the present disclosure may include, for example, identifying a consumer account managed by a service provider to which...
Virtual credit card terminal and method of transaction
The present invention provides a method of making a secure financial transaction over the internet comprising: a virtual credit card terminal (VCT) having a...
Electronic payment system utilizing intermediary account
Payments in cash are submitted to a merchant at a point of sale. The payment transaction is effected electronically to credit the end user's intermediary...
System and method for assessing and managing financial transactions
A financial terms alert generation system comprises an information retrieval module, a financial terms comparison module, and an alert transmission module. The...
Systems and methods for determining and reporting aggregated transaction level data regarding a particular user are disclosed. Based on the requests of one or...
Multiple quote risk management
The disclosed systems and methods relate to allowing trading of over the counter ("OTC") foreign exchange ("FX") contracts on a centralized matching and...
A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either...
Methods and systems for providing risk ratings for use in person-to-person
Embodiments of the present invention provide a system for determining a risk rating associated with a subject to support a person-to-person transaction. The...
Systems and methods for transaction processing and balance transfer
One embodiment of the present invention relates to a computer implemented method for transaction processing that includes: transacting for a first and a second...
Credit risk evaluation with responsibility factors
A system, device, and method for calculating an enhanced credit score using insurance rating information, individual rating factors, interaction rating factors,...
System and method for changing the view of a trading screen
A trading screen displays market information, such as working orders, buy and sell orders, and other items of interest, in association with values on a value...
System and method for computing and displaying effective bid and ask
A data feed from an electronic exchange carries certain pieces of market information. Software at the trading station receives the data feed and computes an...
Constraint satisfaction for solutions to an auction winner-determination
A set of solutions satisfying a constraint for an auction winner-determination problem are computed by generating a graph of paths, wherein each path represents...
System and method for facilitating a wireless financial transaction
A method for executing a wireless trade is provided that includes communicating with a handheld device via a wireless network and sending and receiving...
Allotting an award volume in an auction
A method of allocating an award in an auction wherein an award for a given auction round is allocated amongst a plurality of highest ranked bidders is...
System and method for constraining depletion amount in a defined time
Embodiments disclosed herein provide price protection on commodity purchases in which a consumer can select, accept, or otherwise agree to a depletion...
Methods and systems for interest rate prediction
In one aspect, the invention comprises a computer-implemented method for predicting interest rates, comprising the steps of: electronically receiving data...
System and method for settling trades
A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated...
Method and apparatus for rebalancing an investment portfolio using a
portfolio investment system
A computer based portfolio manager system enables a user to create and manage a portfolio of investments. Users can create multiple sub-portfolios, termed...
System and method of margining fixed payoff products
A system and method is disclosed for determining performance bonds related to fixed payoff products, i.e. contracts which payoff a fixed amount based on the...
System and method for scheduling asset allocation
A distributed asset allocation processing system performs a computerized method for allocating subscriber assets. The system configures predetermined investment...
System and method for presenting a competitive comparison of a recommended
or custom card
A system, computer product and method for presenting a competitive comparison of a recommended financial transaction instrument. A set of questions is presented...
Computer graphics processing methods and systems for presentation of
graphics objects or text in a wagering...
Computer graphics processing systems and methods are provided for the presentation of graphic objects or text in a wagering environment. In at least one...
Determining commercial share of wallet
Commercial size of spending wallet ("SoSW") is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet...
Method and apparatus for delegating authority
A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party...
Method for administering finances via an electronic network
The present invention provides a method of administering finances via an electronic network. The administrator creates accounts for users that the administrator...
Network-based supply chain management method
An exemplary embodiment of the invention relates to a method for facilitating supply chain collaboration in a network environment, said supply chain including...
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...
Tag suggestions based on item metadata
Tag suggestions enable a hosting entity such as a website to determine one or more tags to suggest to a user for association with a particular item within an...
Method, program storage device, and apparatus for offering a user a
plurality of scenarios under which to...
A method of offering a user a plurality of scenarios under which to conduct at least one primary transaction involving at least one specific item, the specific...
Method and system for mobile publication
In a method and system for mobile publication, a captured image is accessed. A bar code is decoded from the captured image. An item associated with the bar code...
Method and system for creative collaborative marketplaces
In an embodiment, a method of conducting a multi-level transaction includes receiving a primary call for proposals, receiving one or more primary bids by a...
Interactive assistance on purchase decision-making
Systems and methods for providing interactive assistance on purchase decision-making are provided. These systems and methods are preferably adapted to enable a...
Method and system for conducting an auction having a plurality of online
bidders and site bidder
A method, system, server processing system and/or computer program product of conducting an auction having an online bidder and a site bidder, wherein a server...
E-commerce transaction and product information aggregation and processing
Embodiments include hardware and/or software for receiving an electronic receipt from a merchant that describes a transaction for a product by a purchaser and...
Systems and methods for price searching and customer self-checkout using a
Price searching and customer self-checkout on a mobile device is provided. A system for purchasing products comprises at least one subsystem that receives from...
Aggregation of product data provided from external sources for
presentation on an E-commerce website
Aggregation of product data provided from external sources of product data for presentation on an e-commerce website. A set of product data related to a product...
Device and a method for ordering product at a premises via an integrated
multimedia service system
A product ordering device provided at a digital home system at a user premises is disclosed. The digital home system comprises a user terminal and a gateway...
System and method for an electronic gift key
A system and method for a physically-based gift key enabling a purchaser to deliver a single, fully-integrated gift item to a recipient and including an...
System and method for facilitating a financial transaction with a
dynamically generated identifier
Instead of a PIN which is associated with an account and provides access to an account, a dynamically generated card identifier (dynamic CID) is used to verify...
Frame-based network advertising and exchange therefor
Advertising is displayed in conjunction with web pages and other HTML-rendered information by splitting a display area into frames, so that requested content...
Method and system for targeted content distribution using tagged data
A method for targeting content to a user based on a user profile and content tags. All content is delivered to the user's computer system. Each unit of content...
Systems and methods of using a lighting system to enhance brand
The present solution described herein provides systems and methods to coordinate and control the lighting of areas of a display unit in manner desired based on...
Method and apparatus to provide information and consumer-acceptable
advertising via data communications clients
In a data communication system a SMS data communication client operates in known fashion. An additional communication channel is established and data being...
Method and apparatus for defining, distributing, and redeeming SMS and MMS
A method and apparatus is disclosed that allows advertisers to define and distribute Short Messaging Service (SMS) and Multimedia Messaging Service (MMS)...
Demographic information gathering and incentive award system and method
A method of providing an incentive award to a user for visiting a participating web site includes registering a user with the information gathering system which...