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Patent # Description
US-8,086,536 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...
US-8,086,535 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...
US-8,086,534 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...
US-8,086,533 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...
US-8,086,532 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...
US-8,086,531 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...
US-8,086,530 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...
US-8,086,529 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...
US-8,086,528 Transaction aggregator
Systems and methods for determining and reporting aggregated transaction level data regarding a particular user are disclosed. Based on the requests of one or...
US-8,086,527 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...
US-8,086,526 Hybrid account
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...
US-8,086,525 Methods and systems for providing risk ratings for use in person-to-person transactions
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...
US-8,086,524 Systems and methods for transaction processing and balance transfer processing
One embodiment of the present invention relates to a computer implemented method for transaction processing that includes: transacting for a first and a second...
US-8,086,523 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,...
US-8,086,522 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...
US-8,086,521 System and method for computing and displaying effective bid and ask information
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...
US-8,086,520 Constraint satisfaction for solutions to an auction winner-determination problem
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...
US-8,086,519 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...
US-8,086,518 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...
US-8,086,517 System and method for constraining depletion amount in a defined time frame
Embodiments disclosed herein provide price protection on commodity purchases in which a consumer can select, accept, or otherwise agree to a depletion...
US-8,086,516 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...
US-8,086,515 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...
US-8,086,514 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...
US-8,086,513 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...
US-8,086,512 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...
US-8,086,511 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...
US-8,086,510 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...
US-8,086,509 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...
US-8,086,508 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...
US-8,086,507 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...
US-8,086,506 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...
US-8,086,505 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...
US-8,086,504 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...
US-8,086,503 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...
US-8,086,502 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...
US-8,086,501 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...
US-8,086,500 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...
US-8,086,499 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...
US-8,086,498 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...
US-8,086,497 Systems and methods for price searching and customer self-checkout using a mobile device
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...
US-8,086,496 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...
US-8,086,495 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...
US-8,086,494 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...
US-8,086,493 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...
US-8,086,492 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...
US-8,086,491 Method and system for targeted content distribution using tagged data streams
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...
US-8,086,490 Systems and methods of using a lighting system to enhance brand recognition
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...
US-8,086,489 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...
US-8,086,488 Method and apparatus for defining, distributing, and redeeming SMS and MMS coupons
A method and apparatus is disclosed that allows advertisers to define and distribute Short Messaging Service (SMS) and Multimedia Messaging Service (MMS)...
US-8,086,487 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...
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