http://www.freshpatents.com/Data-processing--financial-business-practice-management-or-cost-price-determination-dtnewntc705.php USPTO Class 705 - Data processing: financial, business practice, management, or cost/price determination en-us Wed, 30 Apr 2008 12:39:45 -0700 1000 Wednesday Thursday Friday Saturday Sunday 141 31 http://www.freshpatents.com/index.php?rss=true http://www.freshpatents.com/images/freshpatentsnav_rss.gif http://www.freshpatents.com/Automatic-disposition-of-referrals-in-an-online-marketplace-dt20080424ptan20080097772.php Wed, 30 Apr 2008 12:39:45 -0700 A computer-implemented method and system is operable to: receive a referral, the referral including referral information identifying a referred party, obtain referred party information related to the referred party, and use the referral information and the referred party information to automatically produce a disposition for the referral.... http://www.freshpatents.com/Drm-content-player-and-play-method-for-portable-terminal-dt20080424ptan20080097775.php Wed, 30 Apr 2008 12:39:45 -0700 A Digital Rights Management (DRM) content player and play method for a portable terminal are disclosed. The DRM content player includes a first memory unit for storing a license stating usage rights upon an associated DRM content, and a content list of DRM contents, a second memory unit for storing... http://www.freshpatents.com/Ink-cartridge-vending-machine-dt20080424ptan20080097770.php Wed, 30 Apr 2008 12:39:45 -0700 A vending machine capable of refilling used ink cartridges as well as dispensing filled ink cartridges is closed. The vending machine includes at least one cartridge receptacle for receiving an ink cartridge, a user interface, a display unit, a nozzle health check module, a printhead servicing module, an ink reservoir,... http://www.freshpatents.com/Succession-success-probability-assessment-system-and-associated-methods-dt20080424ptan20080097776.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method for delivering an assessment to individuals currently having an involvement in and those potentially acquiring an involvement in the management of an established business are provided. The system and method include an assessment of a plurality of factors that have been shown to influence the success... http://www.freshpatents.com/System-and-method-for-creating-distributed-applications-utilizing-portable-devices-and-physical-location-of-the-portable-device-dt20080424ptan20080097771.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method for creating and deploying distributed applications. A template defines a business process by means of validation, input, permission and workflow rules. The specific business process is performed by first creating a document that is a particular instantiation of the template. The document embeds all of the... http://www.freshpatents.com/Systems-and-methods-for-providing-customer-feedback-dt20080424ptan20080097769.php Wed, 30 Apr 2008 12:39:45 -0700 Methods and systems of customer feedback include collecting customer feedback while the customer is physically located in a retail environment, transmitting the customer feedback through a wireless communication facility to a data processing facility, wherein the data processing facility automatically compares the customer feedback to at least one threshold value... http://www.freshpatents.com/Visualization-of-future-value-predictions-and-supporting-factors-for-real-estate-by-block-dt20080424ptan20080097768.php Wed, 30 Apr 2008 12:39:45 -0700 Methods and systems for block level visual presentation of real estate forecasts and related statistical confidence indicators and supporting factors. The visual presentations build upon a data set comprising block level future value predictions, statistical confidence indicators and supporting factors. A map of a user selected geographical area is visually... http://www.freshpatents.com/Appropriateness-of-a-medication-therapy-regimen-dt20080424ptan20080097784.php Wed, 30 Apr 2008 12:39:45 -0700 A method of determining the appropriateness of a medication therapy regimen detects and reduces gaps occurring between established standards of treatment and treatment provided to a person through a medication therapy regimen. Methods of determining the appropriateness of a medication or medication therapy regimen and intervention thereof are provided herein.... http://www.freshpatents.com/Digital-data-security-in-healthcare-enterprise-dt20080424ptan20080097786.php Wed, 30 Apr 2008 12:39:45 -0700 Method and system for providing services in healthcare enterprises for authentication and forensic analysis of medical and dental records of patients comprising text, image, video and speech stored and communicated in digital form are disclosed. The digital images may be two-dimensional or three-dimensional comprising, for example, photographs, x-rays, CT-scans, other... http://www.freshpatents.com/Multi-dose-pharmacy-label-dt20080424ptan20080097787.php Wed, 30 Apr 2008 12:39:45 -0700 A pharmacy label includes a patient section, a first drug section, and a second drug section. The patient section has patient-specific information printed thereon, and the first and second drug sections have first and second drug-specific information printed thereon, respectively. The patient section further contains a prescription number printed thereon.... http://www.freshpatents.com/Quality-management-of-patient-data-for-health-care-providers-dt20080424ptan20080097789.php Wed, 30 Apr 2008 12:39:45 -0700 A system and a method of identifying a need to modify data entries in a database containing healthcare admissions data. An exemplary data quality management system is useful for managing healthcare admissions data. According to an embodiment the system can include a first computer system comprising at least one server... http://www.freshpatents.com/System-and-method-to-quantify-patients-clinical-trends-and-monitoring-their-status-progression-dt20080424ptan20080097785.php Wed, 30 Apr 2008 12:39:45 -0700 A system for facilitating identification of correlations over time between patient monitoring signal histories to facilitate the making and revising of healthcare decisions includes patient monitoring equipment (144), a memory (146), a computing device (148), and a display device (152). A method for facilitating identification of correlations over time between... http://www.freshpatents.com/Database-system-program-and-information-processing-method-dt20080424ptan20080097795.php Wed, 30 Apr 2008 12:39:45 -0700 A disease-symptom-combination DB storing information obtained by combining each of disease name elements indicative of diseases with one or more symptom elements each indicative of a symptom, and a disease-care-combination DB storing information obtained by combining each of the disease name elements with a plurality of care elements each indicative... http://www.freshpatents.com/System-and-method-for-coupling-patient-data-with-executable-guideline-decision-support-system-dt20080424ptan20080097791.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method are provided for exchanging data between a local information storage system (26) storing first data elements associated with respective data, and an executable guideline decision support system (12) executable on at least one processor for storing a plurality of executable guidelines and executing the guidelines, including... http://www.freshpatents.com/System-and-method-for-salvage-calculation-fraud-prevention-and-insurance-adjustment-dt20080424ptan20080097796.php Wed, 30 Apr 2008 12:39:45 -0700 Disclosed is a novel system and method that provides real time information to an insurance adjuster. The system obtains information related to an insured item which has an outstanding claim. Information includes the cost to repair a specific item, the salvage value of the item, and the cost to replace... http://www.freshpatents.com/Method-and-system-for-creating-and-processing-rental-vehicle-reservations-using-vouchers-dt20080424ptan20080097798.php Wed, 30 Apr 2008 12:39:45 -0700 Systems and methods are disclosed herein for creating and managing rental vehicle reservations. According to one embodiment, a system is disclosed for creating and managing a rental vehicle reservation, the system comprising: (a) a user computer, and (b) a reservation computer system that is in communication with the user computer... http://www.freshpatents.com/Method-for-processing-data-requests-dt20080424ptan20080097799.php Wed, 30 Apr 2008 12:39:45 -0700 A method and system of processing reservation data comprises establishing network communications between at least one user device and a check-in server, collecting information, at the check-in server, from one user device regarding at least one passenger's reservation information, establishing network communications between one or more information sources and the... http://www.freshpatents.com/Social-online-memory-systems-dt20080424ptan20080097806.php Wed, 30 Apr 2008 12:39:45 -0700 A system is described including the steps of receiving a set of a digital-medium from an organization; dividing the set into a free portion and a paid portion; distributing to a person, associated with the organization, the set; allowing performing of the free portion; collecting a payment from the person;... http://www.freshpatents.com/System-and-method-for-marketing-and-developing-a-custom-substation-dt20080424ptan20080097800.php Wed, 30 Apr 2008 12:39:45 -0700 A computer implemented method of marketing an electricity distribution and transmission substation to a customer by a substation vendor. The method includes collecting functional information relating to intended use and location of the substation. The method also includes identifying at least one substation configuration from a database of plural substation... http://www.freshpatents.com/Transaction-processing-method-dt20080424ptan20080097805.php Wed, 30 Apr 2008 12:39:45 -0700 The transaction processing method is a computer-implemented method capable of logging events related to a consumer at a point of transaction. The event logging is performed at a transaction processing center. The transaction processing center can log such events as: receipts generated by a plurality of merchants doing business with... http://www.freshpatents.com/Method-and-load-input-device-for-optimizing-log-truck-productivity-dt20080424ptan20080097812.php Wed, 30 Apr 2008 12:39:45 -0700 A method of optimizing log truck productivity utilizing technology allowing the entry of log truck orders from the field. The present invention generally seeks to improve productivity by (1) minimizing the distances log trucks drive with empty loads and (2) improving coordination between groups of log truck drivers and groups... http://www.freshpatents.com/System-and-method-of-managing-workflow-for-express-creation-and-initialization-of-merchant-accounts-dt20080424ptan20080097810.php Wed, 30 Apr 2008 12:39:45 -0700 A credit card processing system uses an express processing module to create and initialize merchant accounts. The credit card processing system includes a merchant, bank, and credit card association which are connected by electronic communication links. The express processing module uses a plurality of data entry screens to compile and... http://www.freshpatents.com/Systems-and-methods-for-reducing-poverty-dt20080424ptan20080097811.php Wed, 30 Apr 2008 12:39:45 -0700 Systems and methods for generating and monitoring a plan to reduce poverty include identifying market opportunities exploitable by one or more smallholders; generating an intervention plan to assist the smallholders; establishing a supply chain to deliver supplies to the smallholders and establishing a linkage with an output market; and monitoring... http://www.freshpatents.com/Methods-for-employing-temporary-time-zones-and-predictive-locations-and-systems-thereof-dt20080424ptan20080097815.php Wed, 30 Apr 2008 12:39:45 -0700 A method, system, and computer readable medium for enabling a user within an application to select a time zone for a temporary period of time include selecting a temporary time zone having a start time and an end time, and changing a time of events that fall within the temporary... http://www.freshpatents.com/Salon-point-of-sale-dt20080424ptan20080097814.php Wed, 30 Apr 2008 12:39:45 -0700 A solon point of sale user interface, comprising a display operable to display point of sale information, such as hair salon information, for at least one of: a product and a service an augmentable visual presentation of client information. The visual representation augments at least one of: a client's hair... http://www.freshpatents.com/Automated-clustering-of-records-biased-by-supervised-classification-processing-dt20080424ptan20080097820.php Wed, 30 Apr 2008 12:39:45 -0700 An unsupervised classification approach is improved by imposing some order into the treatment of the records and their attributes, which otherwise would be treated as random variables. A method is provided to identify particular attributes that are most associated with the “good” records within each of the plurality of groups... http://www.freshpatents.com/Method-of-delivering-an-advertisement-via-related-computer-systems-dt20080424ptan20080097828.php Wed, 30 Apr 2008 12:39:45 -0700 A method of delivering an advertisement related to hyperlink printed on a substrate, said method comprising the steps of: determining, in a first computer system, a context of said hyperlink; sending the context to a second computer system; and receiving, in a third computer system, one or more advertisements that... http://www.freshpatents.com/Multivariate-testing-optimization-method-dt20080424ptan20080097829.php Wed, 30 Apr 2008 12:39:45 -0700 An advertisement optimization approach is presented, which utilizes multivariate testing to correlate characteristics of an advertisement to favorable responses received from an environment to which the advertisement was provided. As one example, a text based webpage advertisement may be tested to optimize a variety of different characteristics of the advertisement... http://www.freshpatents.com/Recommendations-utilizing-meta-data-based-pair-wise-lift-predictions-dt20080424ptan20080097821.php Wed, 30 Apr 2008 12:39:45 -0700 The subject disclosure pertains to systems and methods for facilitating generation of item recommendations based at least in part upon pair-wise lift. Pair-wise lift is a measure of correlation between a pair of items and is generally calculated based upon past usage data. If usage data is insufficient or unavailable,... http://www.freshpatents.com/Advertisement-presentment-in-an-electronic-device-dt20080424ptan20080097836.php Wed, 30 Apr 2008 12:39:45 -0700 A method including receiving at least one advertisement in a device and presenting a first information of at least one advertisement in response to the device being activated from an idle state.... http://www.freshpatents.com/Automated-merchandising-network-system-dt20080424ptan20080097842.php Wed, 30 Apr 2008 12:39:45 -0700 An automated network merchandising system provides a platform for delivering relevant retail offers to interested consumers online. A backend content pipeline analyzes and processes delivered catalog content into a merchandisable universe of products (MUP). On a user-facing end, corner stores—ad units appearing on pages of publishers' web sites—display offers from... http://www.freshpatents.com/Mail-advertising-addressing-system-dt20080424ptan20080097840.php Wed, 30 Apr 2008 12:39:45 -0700 A method of manufacturing an advertising device comprising manufacturing an advertising device describing at least one attribute of at least one product or service is disclosed. A facility address is retrieved from a database of establishment locations the address of one or more facilities offering the product or service. In... http://www.freshpatents.com/Mail-advertising-addressing-system-dt20080424ptan20080097841.php Wed, 30 Apr 2008 12:39:45 -0700 A method of manufacturing an information bearing device comprising manufacturing an information bearing device describing at least one attribute of at least one product or service is disclosed. A facility address is retrieved from a database of establishment locations of the addresses of one or more facilities offering the product... http://www.freshpatents.com/Method-and-system-for-printing-information-related-to-internet-advertisements-dt20080424ptan20080097837.php Wed, 30 Apr 2008 12:39:45 -0700 A method and system for placing an excitable icon in or next to a screen Internet advertisement offering users the ability to print information related to the advertised product or service, which could consist of, but is not limited to, a marketing brochure or coupon. The method and system performs... http://www.freshpatents.com/Method-for-creating-and-analyzing-advertisements-dt20080424ptan20080097854.php Wed, 30 Apr 2008 12:39:45 -0700 A method for analyzing advertisements and advertising campaigns. Important images are selected from one or more advertisements and then ranked. The most important images are then assigned to a category which preferably corresponds to a memory type, such as knowledge, emotion, or action. The relative numbers of images in each... http://www.freshpatents.com/Method-of-motivating-exposure-to-advertisements-dt20080424ptan20080097839.php Wed, 30 Apr 2008 12:39:45 -0700 A provider prepares at least one quest including a plurality of tasks; offers, preferably for sale, advertising access in association with the tasks; and presents the quest(s) (20) to participants, with respective advertisements being presented in association with the tasks (24,26). The provider also provides incentives such as prizes for... http://www.freshpatents.com/Method-of-network-merchandising-incorporating-contextual-and-personalized-advertising-dt20080424ptan20080097843.php Wed, 30 Apr 2008 12:39:45 -0700 A method of network merchandising incorporates contextual and personalized advertising with human input to deliver relevant retail offers to interested online consumers efficiently and intelligently. Catalog content from retailers is downloaded, semantically analyzed and merged. The merged content is filtered using machine- and human-generated specifications to produce a merchandisable universe... http://www.freshpatents.com/Rating-based-sorting-and-displaying-of-reviews-dt20080424ptan20080097835.php Wed, 30 Apr 2008 12:39:45 -0700 A computer system receives customer reviews for a subject, for example, a product, service, or market participant. Each review includes a rating of the subject and a comment about the subject. The rating may be favorable, unfavorable, or intermediate. The system sorts the reviews in a default order, for example,... http://www.freshpatents.com/Revenue-based-advertising-auction-dt20080424ptan20080097838.php Wed, 30 Apr 2008 12:39:45 -0700 Implementations of a revenue-based advertising auction are described. Bidders submit advertisements to be assigned to ad slots such that each advertisement has an associated bid vector that indicates a value known to the auctioneer that the bidder is offering to pay for placement of the advertisement in each of the... http://www.freshpatents.com/System-and-method-for-supplying-integrated-mileage-service-dt20080424ptan20080097853.php Wed, 30 Apr 2008 12:39:45 -0700 Provided are a system and method for supplying an integrated mileage service. The system includes: a member store point of sale (POS) terminal for receiving mileage accumulation or spending request data including a card number of an integrated mileage card into which a plurality of membership cards are integrated, a... http://www.freshpatents.com/Systems-and-methods-for-using-personas-dt20080424ptan20080097849.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention provides systems and methods for increasing 3rd party advertising on an interactive site, by assigning characteristics to portions of a website, and using those characteristics to personalize presentation of the website by according to personas of visitors. Persona characteristics can represent any distinguishing feature of interest, including... http://www.freshpatents.com/Systems-and-methods-to-provide-voice-connections-via-local-telephone-numbers-dt20080424ptan20080097845.php Wed, 30 Apr 2008 12:39:45 -0700 Methods and apparatuses to dynamically allocate location dependent telephone numbers to facilitate voice connections between people. One embodiment includes: responsive to a request from a user, selecting a telephone number from a plurality of telephone numbers of a connection server to match a location indicator of the request; embedding the... http://www.freshpatents.com/Guarantying-payment-for-transactions-dt20080424ptan20080097866.php Wed, 30 Apr 2008 12:39:45 -0700 Techniques for guaranteeing payment to a seller of a commodity purchased by a buyer are described. A selection of a sales proposal for purchasing the commodity from the seller is received. The sales proposal specifies the conditions under which the commodity will be delivered to the buyer. The seller is... http://www.freshpatents.com/Method-to-manage-an-automatic-and-interactive-e-commerce-site-dt20080424ptan20080097865.php Wed, 30 Apr 2008 12:39:45 -0700 Method to operate an Internet e-commerce site for the sale of complex systems. Price and delivery time are automatically calculated as soon as the buyer makes every single choice between options that are automatically enabled by the system based on previous choices. A printable quote is automatically generated and can... http://www.freshpatents.com/System-and-method-of-collaborative-filtering-based-on-attribute-profiling-dt20080424ptan20080097867.php Wed, 30 Apr 2008 12:39:45 -0700 A system and/or a method of collaborative filtering based on attribute profiling is disclosed. In one embodiment, a method includes generating a product profile of a content-based product through applying any number of value data assigned by a user to a set of attributes embodying possible reasons as to why... http://www.freshpatents.com/Systems-and-methods-for-an-intelligent-toolbar-that-provides-contextual-bidding-opportunities-dt20080424ptan20080097864.php Wed, 30 Apr 2008 12:39:45 -0700 Online bidding opportunities on goods and/or services are targeted to an individual user based, in part, on the user's navigation history. User navigation (e.g., Web browsing, search requests, etc.) may be tracked, recorded and maintained. User navigation information may be used to determine content-relevant and personalized bidding opportunities for goods... http://www.freshpatents.com/Systems-and-methods-for-receiving-and-sponsoring-media-content-dt20080424ptan20080097863.php Wed, 30 Apr 2008 12:39:45 -0700 A method and system of sponsoring a media item is disclosed herein. A media item is received from a submitter. The media item is published for consumer access. Requests for the media item are received from media consumers. A number of consumer requests for the media item is counted. A... http://www.freshpatents.com/Programmable-expiration-date-verification-system-dt20080424ptan20080097876.php Wed, 30 Apr 2008 12:39:45 -0700 A programmable expiration date verification system is disclosed. According to one aspect, a programmable expiration date verification system including a programmable expiration date module is provided. The programmable expiration date module includes a memory device operable to store an expiration date and a communication port operable to receive a communication... http://www.freshpatents.com/System-and-method-for-automatic-payment-of-estimated-tax-due-dt20080424ptan20080097878.php Wed, 30 Apr 2008 12:39:45 -0700 Embodiments of the present invention may provide a method and system for accepting financial information from a customer for generating an estimated tax due to the taxing authority and a date by which the estimated tax is due, and periodically impounding an amount of money from an account held by... http://www.freshpatents.com/System-and-method-of-interfacing-web-services-to-express-creation-and-initialization-of-merchant-accounts-dt20080424ptan20080097879.php Wed, 30 Apr 2008 12:39:45 -0700 A credit card processing system uses an express processing module to create and initialize merchant accounts. The credit card processing system includes a merchant, bank, and credit card association which are connected by electronic communication links. The express processing module uses a plurality of data entry screens to compile and... http://www.freshpatents.com/Wealth-management-education-system-and-method-dt20080424ptan20080097881.php Wed, 30 Apr 2008 12:39:45 -0700 A wealth management education system and method thereof includes a storage unit, an input unit, an event selection unit and an ROI computation unit. The storage unit containing historical data of multiple capital markets, correlation matrices among those market, and multiple economic events. A user uses the input unit to... http://www.freshpatents.com/Computer-assisted-process-for-providing-liquidity-to-an-enterprise-by-utilizing-intellectual-property-assets-dt20080424ptan20080097931.php Wed, 30 Apr 2008 12:39:45 -0700 A computer program storing computer instructions therein for instructing a computer to perform analytical steps for the aggregation and securitization of intellectual property assets, the securitization initiated by an analytical entity and managed by a management company, the program comprising: a recording medium readable by the computer; and the computer... http://www.freshpatents.com/Real-time-live-and-remote-integrated-auction-method-dt20080424ptan20080097894.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention relates to an auction method with mixed live and remote participation that seeks to avoid unfavorable conditions for both live bidders at the auction site and remote bidders who access the auction by computerized means. Particularly, the present invention relates to auctions in which some of the... http://www.freshpatents.com/Reference-price-framework-dt20080424ptan20080097886.php Wed, 30 Apr 2008 12:39:45 -0700 A method of computer-assisted price modeling is provided, which uses a reference price to assist in evaluating discretionary pricing of transactional services provided (i) by a professional among his own transactions or (ii) by a target professional among others' transactions. A universe of pricing episode data is segmented into groupings... http://www.freshpatents.com/System-and-method-for-calculating-optimal-rates-in-a-multi-source-price-engine-in-over-the-counter-markets-dt20080424ptan20080097889.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method calculate an optimal rates in a multi-source price engine in over the counter (OTC) markets. The system and method integrate rates from multiple liquidity sources to generate an output rate that can be transacted upon. Specifically, the system and method calculate a best bid/offer rate from... http://www.freshpatents.com/System-and-method-for-prioritized-data-delivery-in-an-electronic-trading-environment-dt20080424ptan20080097887.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method for prioritized data delivery in an electronic trading environment are described herein. According to one example embodiment, by prioritizing the messages associated with a tradeable object, the bandwidth and system resource usage may be optimally reduced, and any loss of priority content in the messages sent... http://www.freshpatents.com/System-and-method-for-providing-price-validation-for-market-makers-in-over-the-counter-markets-dt20080424ptan20080097890.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method provide price validation for market makers in over the counter (OTC) markets. Specifically, the system compares a new or existing price provided by a market maker with a base rate. If the unilateral difference is less than or equal to a configurable tolerance, the price may... http://www.freshpatents.com/Trading-system-and-method-dt20080424ptan20080097892.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention provides an on-line trading system and method for ordering and executing trades in financial markets, such as foreign exchange markets. The system and method permit account holders to automatically trade in one or more markets based on recommendations provided by signal providers, without the need for the... http://www.freshpatents.com/Virtual-stock-market-service-based-on-search-index-dt20080424ptan20080097891.php Wed, 30 Apr 2008 12:39:45 -0700 The present application provides a method and system which provide a virtual stock exchange service. In one particular implementation, the system includes a resource locator database, a resource locator search server, a listed resource domain database, a user database, and a virtual stock trading management server. The resource locator database... http://www.freshpatents.com/System-and-method-of-express-creation-and-initialization-of-merchant-accounts-dt20080424ptan20080097897.php Wed, 30 Apr 2008 12:39:45 -0700 A credit card processing system uses an express processing module to create and initialize merchant accounts. The credit card processing system includes a merchant, bank, and credit card association which are connected by electronic communication links. The express processing module uses a plurality of data entry screens to compile and... http://www.freshpatents.com/Method-system-and-apparatus-for-increasing-the-deposit-based-assets-of-banking-institutions-subject-to-fractional-reserve-banking-dt20080424ptan20080097900.php Wed, 30 Apr 2008 12:39:45 -0700 A system, method and apparatus for increasing the asset base of a banking institution having a first and second account captive therein for fractional-reserve banking, having a portable device for encrypted containment of currency amounts linked to the first account at the banking institution and enabled to perform commercial transactions... http://www.freshpatents.com/Methods-and-systems-for-substantiation-of-healthcare-expenses-dt20080424ptan20080097903.php Wed, 30 Apr 2008 12:39:45 -0700 Methods and systems are disclosed for processing a request to fund a purchase from a provider with a medical expense account. The request identifies expenses incurred with the purchase is received at a substantiation system and used to identify the provider. A determination is made whether the provider is included... http://www.freshpatents.com/Methods-of-operating-a-self-service-check-depositing-terminal-to-deposit-a-plurality-of-checks-in-a-single-deposit-transaction-dt20080424ptan20080097907.php Wed, 30 Apr 2008 12:39:45 -0700 A method is provided of operating a self-service check depositing terminal having a single-check acceptor. The method comprises receiving a request from a depositor to conduct a check deposit transaction to deposit a plurality of checks, after receiving the request, obtaining an authorization to allow the depositor to conduct the... http://www.freshpatents.com/Method-and-system-for-dynamic-real-time-addition-of-advertisement-to-downloaded-static-content-dt20080424ptan20080097915.php Wed, 30 Apr 2008 12:39:45 -0700 A method and system for dynamic, real-time addition of advertisements to downloaded static content. The method comprises seamlessly combining a downloaded original content file with personalized information on a user device, and allowing the user either to use the combined original content and personalized information without possibility of personalized information... http://www.freshpatents.com/Method-for-providing-protected-audio-video-content-dt20080424ptan20080097919.php Wed, 30 Apr 2008 12:39:45 -0700 A method for providing protected content, wherein content usage rights information and/or usage state information is embedded into obtained primary data that serves as a basis for a content item to be provided thereby providing the primary data with the embedded content usage rights information and/or usage state information as... http://www.freshpatents.com/On-line-website-at-which-original-artistic-works-are-published-reviewed-for-content-sampled-and-purchased-dt20080424ptan20080097920.php Wed, 30 Apr 2008 12:39:45 -0700 A website is disclosed for enabling an artist to publish a plurality of his original works as (e.g., audio, video, and the like) digital files at a channel that is personal to the artist. Provided that the content of the artist's work is acceptable for publication as determined by a... http://www.freshpatents.com/Digital-distribution-management-system-and-contents-distribution-management-method-using-the-same-dt20080424ptan20080097921.php Wed, 30 Apr 2008 12:39:45 -0700 A digital distribution management system and a contents distribution management method using the same are provided. The system is formed of a contents-user, a broker, a contents-owner, and a contents distributor. The broker receives a contents use fee from the contents-user, transmits a contract document for contents use to the... http://www.freshpatents.com/System-and-method-for-adjusting-the-behavior-of-an-application-based-on-the-drm-status-of-the-application-dt20080424ptan20080097922.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method by which an application is capable of accessing its own DRM information stored in a content-agnostic DRM system. By being able to access its own DRM information, the application is able to improve the overall user experience by, among other things, making DRM-related information available to... http://www.freshpatents.com/Method-and-apparatus-for-providing-digital-rights-management-content-and-license-and-method-and-apparatus-for-using-digital-rights-management-content-dt20080424ptan20080097923.php Wed, 30 Apr 2008 12:39:45 -0700 A method and apparatus for providing digital rights management (DRM) content and a license, and a method and apparatus for using DRM content are provided. The method of providing DRM content and a license includes selecting usage conditions for content; transforming the usage conditions into a secure database (DB); and... http://www.freshpatents.com/Method-and-system-for-allowing-a-user-to-make-a-plurality-of-offers-to-a-plurality-of-advertisers-dt20080424ptan20080097927.php Wed, 30 Apr 2008 12:39:45 -0700 An electronic trading system (100) for allowing a user (101) to make a plurality of offers (102) to a plurality of advertisers (103, 104), each offer being for an advertised item (105, 106). The system (100) includes a memory device for storing information related to the offers (102). A processor,... http://www.freshpatents.com/Method-and-system-for-campaign-management-dt20080424ptan20080097926.php Wed, 30 Apr 2008 12:39:45 -0700 Campaign-production management is performed for a plurality of campaigns on at least a primary server or a secondary server. The plurality of campaigns is processed on the primary server. The contents of the plurality of campaigns are synchronized between the primary server and the secondary server. On failure of the... http://www.freshpatents.com/Method-and-system-of-publishing-campaign-data-dt20080424ptan20080097928.php Wed, 30 Apr 2008 12:39:45 -0700 One embodiment of the invention provides a method of publishing campaign metadata from a database to a plurality of channel systems, the method includes: querying the database to select campaign metadata ready for publishing to a target channel system; selecting the target channel system from a plurality of channel systems... http://www.freshpatents.com/Electronic-document-execution-dt20080424ptan20080097777.php Wed, 30 Apr 2008 12:39:45 -0700 An electronic document execution system is provided. In one implementation, a method of executing a transaction includes creating a transaction document object populated with transaction document data and incorporating a signature image capture component; capturing a signature image via the signature image capture component of a party to the transaction... http://www.freshpatents.com/Employment-sourcing-system-dt20080424ptan20080097781.php Wed, 30 Apr 2008 12:39:45 -0700 An automated system and method for storing information from employment seeking candidates, evaluating each candidate's job-related qualifications based on criteria set by the employer, quickly eliminating unqualified candidates, and tracking the source that referred the candidate.... http://www.freshpatents.com/Method-and-system-for-providing-real-estate-information-using-a-computer-network-such-as-the-internet-dt20080424ptan20080097767.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention provides methods and systems for providing real-estate information using a computer network, such as the Internet. A buyer information web page showing relevant buyer list information in an easy-to-read, summary format is created and displayed to a real estate agent. Buyer information provided includes summaries of various... http://www.freshpatents.com/Multi-utility-energy-control-and-facility-automation-system-with-dashboard-having-a-plurality-of-interface-gateways-dt20080424ptan20080097782.php Wed, 30 Apr 2008 12:39:45 -0700 A multi-utility energy and facility automation control system has control center computer(s) connected to various utility consuming systems and software that formats pertinent systems' energy data, stores, retrieves, diagnoses and acts in response to changes and includes a multi-utility master meter device and a plurality of sensors for utilities and... http://www.freshpatents.com/Non-disclosure-bond-for-deterring-unauthorized-disclosure-and-other-misuse-of-intellectual-property-dt20080424ptan20080097773.php Wed, 30 Apr 2008 12:39:45 -0700 The invention in some embodiments comprises a non-disclosure bond that deters a receiving party from disclosing confidential information and/or compensates a disclosing party in the event the receiving party discloses the confidential information.... http://www.freshpatents.com/System-and-method-for-preference-based-account-enrollment-dt20080424ptan20080097783.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention relates to an on-line, interactive, and fully integrated feature-based account enrollment management program that monitors, evaluates, acquires, activates, and manages accounts and executes functions to acquire, activate, and make available account structures for users by discovering, applying, managing, and automating appropriate acquisition and administration actions.... http://www.freshpatents.com/Systems-methods-and-computer-program-products-for-automatically-sending-a-status-change-message-as-a-result-of-repair-services-that-are-performed-on-a-network-dt20080424ptan20080097780.php Wed, 30 Apr 2008 12:39:45 -0700 A network administration system includes an Internet-based repair (eRepair) subsystem that is configured to accept customer trouble reports related to a network and to provide customer trouble report status information to customers. The administration system also includes a Work Force and Administration-Control (WFA/C) subsystem that is configured to manage repair... http://www.freshpatents.com/Using-a-software-application-to-configure-a-foam-spring-mattress-dt20080424ptan20080097774.php Wed, 30 Apr 2008 12:39:45 -0700 An aspect of the present invention relates to a method and system of receiving information of a user's support facility comfort requirements; using a software application to determine a proper support facility firmness configuration to match the user's requirement; selecting foam springs with the proper user required firmness as determined... http://www.freshpatents.com/Using-a-software-application-to-configure-a-foam-spring-mattress-dt20080424ptan20080097778.php Wed, 30 Apr 2008 12:39:45 -0700 An aspect of the present invention relates to a method and system of receiving information of a user's support facility comfort requirements; using a software application to determine a proper support facility firmness configuration to match the user's requirement; selecting foam springs with the proper user required firmness as determined... http://www.freshpatents.com/Using-a-software-application-to-configure-a-foam-spring-mattress-dt20080424ptan20080097779.php Wed, 30 Apr 2008 12:39:45 -0700 An aspect of the present invention relates to a method and system of receiving information of a user's support facility comfort requirements; using a software application to determine a proper support facility firmness configuration to match the user's requirement; selecting foam springs with the proper user required firmness as determined... http://www.freshpatents.com/Cluster-of-correlated-medical-claims-in-an-episode-treatment-group-dt20080424ptan20080097788.php Wed, 30 Apr 2008 12:39:45 -0700 A computer-implemented method for profiling medical claims to assist health care managers in determining the cost-efficiency and service quality of health care providers. The method allows an objective means for measuring and quantifying health care services. An episode treatment group (ETG) is a patient classification unit, which defines groups that... http://www.freshpatents.com/Methods-for-collecting-fees-for-healthcare-management-group-dt20080424ptan20080097790.php Wed, 30 Apr 2008 12:39:45 -0700 Methods are provided for collecting fees for managing and optimizing the profitability of a plurality of physicians in a healthcare practice participating in an insurance network. The methods can include establishing a relationship between a healthcare consultation group and the healthcare practice participating in the insurance network to increase the... http://www.freshpatents.com/System-and-method-for-building-and-manipulating-a-centralized-measurement-value-database-dt20080424ptan20080097794.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method for building and/or manipulating a centralized medical image quantitative information database aid in diagnosing diseases, identifying prevalence of diseases, and analyzing market penetration data and efficacy of different drugs. In one embodiment, the diseases are bone-related, such as osteoporosis and osteoarthritis. Subjects' medical images, personal and... http://www.freshpatents.com/Systems-and-methods-for-remote-patient-monitoring-and-user-interface-dt20080424ptan20080097793.php Wed, 30 Apr 2008 12:39:45 -0700 A method according to one aspect of the present invention includes receiving patient information, analyzing the patient information to identify a condition for the patient, and formatting a report based on the patient information and the patient condition. Embodiments of the present invention may be used to monitor any appropriate... http://www.freshpatents.com/Treatment-decision-support-system-and-user-interface-dt20080424ptan20080097792.php Wed, 30 Apr 2008 12:39:45 -0700 A system provides clinicians with realtime medication suggestions. A treatment decision support system comprises at least one repository including information associating candidate treatment items, treatment costs, treatment supply availability, patient specific medical information and corresponding related treatment parameters. An individual treatment item is associated with multiple related treatment parameters. A... http://www.freshpatents.com/Retirement-compensation-agreement-financing-system-and-method-dt20080424ptan20080097797.php Wed, 30 Apr 2008 12:39:45 -0700 A retirement compensation arrangement (RCA) leveraged loan portfolio is created and debt instruments secured by the RCA leveraged loan portfolio are sold in a public or private offering. The fixed rate or floating rate debt instruments secured by the RCA leveraged loan portfolio provide investment access to high quality insurance... http://www.freshpatents.com/Device-and-method-for-efficient-delivery-of-redundant-national-television-signals-dt20080424ptan20080097808.php Wed, 30 Apr 2008 12:39:45 -0700 A method and apparatus of broadcasting is provided that has a geographic identifier memory, an overlay memory storing an overlay, a receiver circuit for receiving a broadcast signal and a control circuit. The control circuit displays the overlay on the broadcast signal in response to the geographic identifier.... http://www.freshpatents.com/Inventory-monitor-for-an-article-dispenser-dt20080424ptan20080097803.php Wed, 30 Apr 2008 12:39:45 -0700 A monitoring system for developing information data, for use in association with an opening that provides access for removal by a customer of articles stored in an article storage area. In one embodiment, the monitoring system includes a beam forming device adapted to be arranged about the perimeter of the... http://www.freshpatents.com/Livestock-management-systems-and-methods-dt20080424ptan20080097809.php Wed, 30 Apr 2008 12:39:45 -0700 This invention relates to systems and methods for managing livestock, such as cattle, from conception to consumption. More particularly, this invention relates to systems and methods in which users, such as producers, feedlot managers, packers, buyers, sellers, and consumers, are brought together through shared information and improved communication. Users may... http://www.freshpatents.com/Method-and-system-for-monitoring-transaction-based-system-dt20080424ptan20080097801.php Wed, 30 Apr 2008 12:39:45 -0700 1. A method for monitoring transaction based systems monitoring their system resource and transaction performance data with thresholds on metrics, said method comprising the steps of collecting system resource data and transaction performance data on a period basis and each time a transaction performance metric is passed, triggering the collection... http://www.freshpatents.com/System-and-method-for-developing-and-managing-a-manufacturing-process-dt20080424ptan20080097804.php Wed, 30 Apr 2008 12:39:45 -0700 A method for developing and managing a manufacturing process may include presenting a graphical user interface to define a project for developing and managing the manufacturing process for a product and storing the data entered to define the project in a database. The method may also include presenting a graphical... http://www.freshpatents.com/Systems-and-methods-for-monitoring-and-controlling-business-level-service-level-agreements-dt20080424ptan20080097807.php Wed, 30 Apr 2008 12:39:45 -0700 Systems and methods for monitoring and controlling business level SLAs (Service level Agreements), and more particularly, systems and method for monitoring and controlling business level SLAs using probe points, KPIs (Key Performance Indicators) and business commitments. An XML (extensible Markup Language)-based specification referred to as BPCL (Business Process Commitment Language)... http://www.freshpatents.com/Time-series-forecasting-dt20080424ptan20080097802.php Wed, 30 Apr 2008 12:39:45 -0700 A forecasting system is regulated with time-series data. The context of the time-series data is determined by one or more parameters encapsulated within a forecast data type, the forecast data type being arranged to present the time-series data in a generic form (independent of any context information) to a forecasting... http://www.freshpatents.com/System-and-method-for-optimizing-advertisement-campaigns-according-to-advertiser-specified-business-objectives-dt20080424ptan20080097813.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention relates to methods, systems, and computer readable media comprising instructions for generating a media plan for distributing one or more advertisements comprising an advertisement campaign. The method of the present invention comprises retrieving one or more advertiser specified business objectives for the advertisement campaign and retrieving an... http://www.freshpatents.com/Analogy-based-updates-for-rapid-development-of-data-processing-results-dt20080424ptan20080097816.php Wed, 30 Apr 2008 12:39:45 -0700 A method of creating an analogous workflow is provided. A first workflow is received at a first device, the first workflow including a plurality of first modules that are connected. A second workflow is received at the first device, the second workflow including a plurality of second modules that are... http://www.freshpatents.com/Client-account-and-information-management-system-and-method-dt20080424ptan20080097818.php Wed, 30 Apr 2008 12:39:45 -0700 An information repository and management system for data regarding a client base which integrates a plurality of information types including database records, word processor files, e-mail, other hyperlinked documents, web pages and web sites. Implemented as a database application on a web-enabled database server, sales and marketing team members may... http://www.freshpatents.com/Dynamic-force-management-system-dt20080424ptan20080097819.php Wed, 30 Apr 2008 12:39:45 -0700 Systems and methods for dynamic allocation of agents for a network, which in one embodiment among many, can be broadly summarized by a representative method of receiving network data for a given time interval, where the network data is related to calls between users of the network and agents having... http://www.freshpatents.com/Invitee-participant-matching-method-for-meeting-scheduling-dt20080424ptan20080097817.php Wed, 30 Apr 2008 12:39:45 -0700 A method that schedules a meeting with a meeting invitee includes populating a database with potential meeting participants. A meeting notice is provides that notifies potential meeting participants of a future meeting with the invitee. One or more responding potential meeting participants and their associated records are identified. The identified... http://www.freshpatents.com/Campaign-performance-report-dt20080424ptan20080097824.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method for efficiently estimating and reporting the rendition of digital advertising messages in a network of electronic displays in which advertising message blocks, supporting loop undersaturation and loop oversaturation, are formed, wherein the resulting advertising message block is constrained to a preexisting length specified by a loop... http://www.freshpatents.com/Demand-aggregation-for-future-item-planning-contingent-upon-threshold-demand-dt20080424ptan20080097827.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention relates to predicting, measuring, and/or guaranteeing demand for a contingent or hypothetical future item and, based upon that demand, determining whether or not to actually produce the future item. In particular, the present invention measures such demand via contingent event certificates and associated marketplaces.... http://www.freshpatents.com/Demand-aggregation-for-future-items-contingent-upon-threshold-demand-dt20080424ptan20080097826.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention relates to predicting, measuring, and/or guaranteeing demand for a contingent or hypothetical future item and, based upon that demand, determining whether or not to actually produce the future item. In particular, the present invention measures such demand via contingent event certificates and associated marketplaces.... http://www.freshpatents.com/Method-for-optimum-placement-of-advertisements-on-a-webpage-dt20080424ptan20080097834.php Wed, 30 Apr 2008 12:39:45 -0700 A method for the placement of advertisements on a page to optimize the occurrence of an event associated with such advertisements. The advertisements might include, for instance, advertisements on a webpage, and the event would include a user clicking on an advertisement. Data regarding the past performance of the advertisements... http://www.freshpatents.com/Methods-systems-and-computer-program-products-for-implementing-a-reusable-new-product-planning-model-dt20080424ptan20080097831.php Wed, 30 Apr 2008 12:39:45 -0700 A system for implementing a reusable new product planning model includes a processor executing a new product forecast application. The new product forecast application implements a method. The method includes gathering historical demand data for products in a product set and determining a launch period for the products, the historical... http://www.freshpatents.com/Online-system-and-method-for-dynamic-segmentation-and-content-presentation-dt20080424ptan20080097832.php Wed, 30 Apr 2008 12:39:45 -0700 An on-line system and method assembles, stores, and administers all of a company's merchandising content in a single location, and optimizes the effectiveness of the content by determining the content and format most likely to be of interest to the consumer. Generally, a merchant sets up at least one campaign... http://www.freshpatents.com/Rendering-advertisements-with-documents-having-one-or-more-topics-using-user-topic-interest-information-dt20080424ptan20080097833.php Wed, 30 Apr 2008 12:39:45 -0700 Ambiguities with respect to a user topic interest may be resolved so that useful topic-relevant ads can be presented. Such ambiguities may be resolved by monitoring user behavior, determining a user topic interest (e.g., from a plurality of different candidate topics) based on the monitored behavior, and serving ads relevant... http://www.freshpatents.com/System-and-method-for-facilitating-network-connectivity-based-on-user-characteristics-dt20080424ptan20080097822.php Wed, 30 Apr 2008 12:39:45 -0700 A computer system for facilitating user connectivity in a computer network includes an attention manager, an identity manager, and an introduction manager. The attention manager generates data indicative of the current interests of the user. The identity manager manages data indicative of the interests of the user. The introduction manager... http://www.freshpatents.com/System-and-methods-for-proposing-future-items-contingent-upon-threshold-demand-dt20080424ptan20080097825.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention relates to predicting, measuring, and/or guaranteeing demand for a contingent or hypothetical future item and, based upon that demand, determining whether or not to actually produce the future item. In particular, the present invention measures such demand via contingent event certificates and associated marketplaces.... http://www.freshpatents.com/Systems-and-methods-for-interactively-delivering-self-contained-advertisement-units-to-a-web-browser-dt20080424ptan20080097830.php Wed, 30 Apr 2008 12:39:45 -0700 A system for interactive delivery of self-contained advertisement units is disclosed. The system includes a client web browser, an advertisement unit database element, and an advertisement unit server element. The client web browser is configured to render a web page having a designated location for a first self-contained advertisement unit,... http://www.freshpatents.com/User-interaction-causing-click-facilitator-to-collect-ad-click-through-fee-dt20080424ptan20080097823.php Wed, 30 Apr 2008 12:39:45 -0700 A method of causing a proportion of a click-through fee to be credited to a facilitator of a user interaction with a printed substrate, said substrate comprising user information and coded data enabling the user interaction, said method comprising the steps of: (a) a user performing the user interaction with... http://www.freshpatents.com/Day-part-frame-criteria-dt20080424ptan20080097848.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method for distributing target advertising content to various electronic displays in a network of electronic displays. The invention discloses the technique of partitioning the electronic displays, partitioned both by geography and time, and providing an associated loop policy and frame criteria rules for each frame. The loop... http://www.freshpatents.com/E-couponing-dt20080424ptan20080097844.php Wed, 30 Apr 2008 12:39:45 -0700 Handling electronic coupons includes accessing information indicating association of an electronic coupon with an account of a user that identifies multiple retail entities associated with the user. Information indicating association of electronic coupons with the user's account may be transmitted to respective computer systems associated with the multiple retail entities.... http://www.freshpatents.com/Graphical-internet-search-system-and-methods-dt20080424ptan20080097859.php Wed, 30 Apr 2008 12:39:45 -0700 A system and methods for web based graphical internet searching for locating unique items sought by buyers of designs, furnishings and accessories through use of the internet. The invention includes a search interface where both a seller and buyer will use the same graphical alphabet, which divides an item into... http://www.freshpatents.com/Information-management-system-information-management-server-portable-terminal-and-portable-terminal-control-program-dt20080424ptan20080097846.php Wed, 30 Apr 2008 12:39:45 -0700 An information management system 200 including a portable telephone 100 having a settlement unit 107 which performs electronic settlement and an information management server 50 which gathers and manages settlement information, wherein the portable telephone 100 includes a settlement information transmission unit 117 which transmits the settlement information to the... http://www.freshpatents.com/Internet-based-brand-marketing-communication-network-for-managing-and-delivering-choreographed-brand-marketing-communications-to-consumers-using-mutli-mode-virtual-kiosks--mmvks--dt20080424ptan20080097847.php Wed, 30 Apr 2008 12:39:45 -0700 An Internet-based brand marketing communication network for managing and delivering brand marketing communications to consumers using server-side driven multi-mode virtual kiosks (MMVKs) that are created, deployed, and managed using a novel suite of Web-based marketing communication services. For each consumer product registered on the network, a MMVK is created, deployed... http://www.freshpatents.com/Method-and-system-for-providing-interactive-cardholder-rewards-image-replacement-dt20080424ptan20080097852.php Wed, 30 Apr 2008 12:39:45 -0700 A system for facilitating image management for portable devices is disclosed. The system includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface... http://www.freshpatents.com/Method-of-distributing-information-via-mobile-devices-and-enabling-its-use-at-a-point-of-transaction-dt20080424ptan20080097851.php Wed, 30 Apr 2008 12:39:45 -0700 Methods and systems for utilizing promotion data accessible via a mobile device are disclosed. A digital record of promotion data from a product provider may be stored in a database. A plurality of such digital records may be aggregated for one or more providers. A digital record may be associated... http://www.freshpatents.com/Multiple-party-reward-system-utilizing-single-account-dt20080424ptan20080097857.php Wed, 30 Apr 2008 12:39:45 -0700 A method enabling a frequent shopper reward system capable of tracking performance data of a plurality of members or account holders linked to a single frequent shopper account.... http://www.freshpatents.com/System-and-method-for-administering-customized-affinity-and-rewards-programs-dt20080424ptan20080097850.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method for administering customized affinity and rewards programs enables businesses to consolidate, deploy and administer a variety of customizable and integrated affinity programs and reward points programs for their customers and/or employees. Using the system, businesses and other entities (“business partners”) may design, implement and manage both... http://www.freshpatents.com/System-method-and-program-product-for-delivery-of-digital-content-offerings-at-a-retail-establishment-dt20080424ptan20080097858.php Wed, 30 Apr 2008 12:39:45 -0700 A method and system for providing distributed network access point installation and management. A network provider installs and/or operates a plurality of access points at locations of a retail entity. Each access point may provide services such as Internet access, and/or content such as audio, video, text, and/or graphics, among... http://www.freshpatents.com/Systems-and-methods-for-advertising-dt20080424ptan20080097860.php Wed, 30 Apr 2008 12:39:45 -0700 Systems and methods for advertising on a computing device are described.... http://www.freshpatents.com/Systems-and-methods-for-redeeming-rewards-associated-with-accounts-dt20080424ptan20080097856.php Wed, 30 Apr 2008 12:39:45 -0700 Among other things, the present invention provides systems and methods for fulfilling reward redemptions. In some cases, the systems and methods receive redemption requests associated with an account. The redemption request can be satisfied from a reward associated with the account, or by accessing a reward associated with another account.... http://www.freshpatents.com/Wireless-electronic-couponing-technique-dt20080424ptan20080097855.php Wed, 30 Apr 2008 12:39:45 -0700 An electronic couponing technique includes transferring coupon information, which may include a coupon ID (identification) to a first portable terminal and storing same therein. The portable terminal displays a representation of the transferred coupon information on a display thereof. The stored coupon information may be transferred from the portable terminal... http://www.freshpatents.com/System-and-method-providing-backup-local-ordering-for-establishment-using-a-remote-ordering-system-dt20080424ptan20080097861.php Wed, 30 Apr 2008 12:39:45 -0700 An order taking system and method for an establishment, or a plurality of establishments, each having an order taking facility associated with the establishment enabling a customer to place an order for an item from the establishment. Order placing equipment is located near the order taking facility being capable of... http://www.freshpatents.com/System-and-method-for-automated-management-of-purchase-in-self-service-type-sales-point-dt20080424ptan20080097862.php Wed, 30 Apr 2008 12:39:45 -0700 In a system for automated management of purchase in a self-service-type sales point, a system management host, at least one trolley, and a plurality of different products are provided in the sales point. The products are individually provided with a barcode, and the trolley is assigned a specific certification number.... http://www.freshpatents.com/Contingency-based-options-and-futures-for-contingent-travel-accommodations-dt20080424ptan20080097868.php Wed, 30 Apr 2008 12:39:45 -0700 Disclosed herein is a system for allowing a remote user to purchase, over a distributed computer network (e.g., the Internet), an option for a ticket and/or accommodations for a “contingent event”, e.g., an event which is certain to occur but for which the participants, content and/or location(s) are not predetermined.... http://www.freshpatents.com/Contingency-based-options-and-futures-for-contingent-travel-accommodations-dt20080424ptan20080097869.php Wed, 30 Apr 2008 12:39:45 -0700 Disclosed herein is a system for allowing a remote user to purchase, over a distributed computer network (e.g., the Internet), an option for a ticket and/or accommodations for a ‘contingent event”, e.g., an event which is certain to occur but for which the participants, content and/or location(s) are not predetermined.... http://www.freshpatents.com/Contingency-based-options-and-futures-for-contingent-travel-accommodations-dt20080424ptan20080097870.php Wed, 30 Apr 2008 12:39:45 -0700 Disclosed herein is a system for allowing a remote user to purchase, over a distributed computer network (e.g., the Internet), an option for a ticket and/or accommodations for a ‘contingent event”, e.g., an event which is certain to occur but for which the participants, content and/or location(s) are not predetermined.... http://www.freshpatents.com/Intelligent-agents-for-electronic-commerce-dt20080424ptan20080097872.php Wed, 30 Apr 2008 12:39:45 -0700 A system for electronic commerce (10) having personal agents (12 and 13) that represent consumers and providers in a virtual marketplace (28). Consumer personal agents conceal the identity of the consumer and are capable of creating decision agents (14) that shop for products and assist consumers in comparing and ranking... http://www.freshpatents.com/Method-and-system-for-providing-a-widget-usable-in-affiliate-marketing-dt20080424ptan20080097871.php Wed, 30 Apr 2008 12:39:45 -0700 A system and computer implemented method for providing a widget are described. The method and system include rendering the widget on a site. The widget dynamically displays multimedia content associated with a campaign. The widget is also embeddable, copyable, and allows for at least one user action. The method and... http://www.freshpatents.com/System-and-method-for-distributing-information-dt20080424ptan20080097874.php Wed, 30 Apr 2008 12:39:45 -0700 A system for marketing real estate includes a property data device and a personal data device. The property data device is to be located in the vicinity of a real estate property, and the personal data device is to be provided to a user. The property data device is operable... http://www.freshpatents.com/System-and-method-for-providing-absorbent-paper-products-and-packaging-therefor-having-coordinated-consumer-specified-features-dt20080424ptan20080097875.php Wed, 30 Apr 2008 12:39:45 -0700 Methods and systems by which a consumer may select or specify coordinated features of an absorbent paper product and its packaging, such as a facial tissue or paper towel product, and then receive an absorbent paper product and packaging having the coordinated features selected or specified by the consumer.... http://www.freshpatents.com/System-for-online-travel-planning-and-hotel-selection-dt20080424ptan20080097873.php Wed, 30 Apr 2008 12:39:45 -0700 A method for travel planning employing a computerized database query system, the method including user designation of at least one desired travel destination and system presentation to user of at least one proposed hotel, based on the user designation, the at least one proposed hotel in geographical proximity to or... http://www.freshpatents.com/Method-and-system-for-investing-in-commodity-futures-contracts-dt20080424ptan20080097877.php Wed, 30 Apr 2008 12:39:45 -0700 In accordance with an embodiment of the present invention, a method for providing a commodities index trading investment system may include selecting (110) a plurality of commodity groupings for an index; selecting (120) one or more commodities in each of the plurality of commodity groupings; and buying (130) highly collateralized... http://www.freshpatents.com/Conducting-assisted-self-service-transactions-dt20080424ptan20080097883.php Wed, 30 Apr 2008 12:39:45 -0700 A system for use in assisting a self-service transaction at a service facility includes one or more self-service terminals, each configured to gather transaction information associated with a customer who is engaged in a business transaction with the service facility through the self-service terminal. The system also includes a teller... http://www.freshpatents.com/Remote-electronic-transactions-dt20080424ptan20080097880.php Wed, 30 Apr 2008 12:39:45 -0700 Embodiments of the invention relate to a list of entries, each of which is associated with a potential electronic transaction such as a gift purchase. Each entry comprises a plurality of displayable fields including a first field which is selectable to access a remote location, such as a web-server, —for... http://www.freshpatents.com/System-and-method-for-optimizing-the-use-of-credit-resources-dt20080424ptan20080097882.php Wed, 30 Apr 2008 12:39:45 -0700 A system and method is provided for optimizing the use of credit resources. A financial system includes a database which stores customer credit/debit account information and use-consequence preference information. A master financial card is issued to the customer for all credit transactions. A host server receives information regarding the use... http://www.freshpatents.com/Computerized-method-and-system-for-score-based-evaluation-of-capital-market-investment-decisions-and-strategies-dt20080424ptan20080097885.php Wed, 30 Apr 2008 12:39:45 -0700 The disclosed computer-implemented investment management process particularly in the field of high yield corporate bond financial market consists of five distinct process phases. In a first phase, the financial market under evaluation is researched in order to obtain all the market business information necessary for the following market evaluation phases.... http://www.freshpatents.com/Method-of-lowering-the-computational-overhead-involved-in-money-management-for-systematic-multi-strategy-hedge-funds-dt20080424ptan20080097884.php Wed, 30 Apr 2008 12:39:45 -0700 A data representation is deployed that comprises instances of a software object implementing a particular systematic trading strategy; there are multiple such instances (‘strategy instances’), each corresponding to a different trading strategy, with a strategy instance being paired with a tradable instrument. The method comprises the steps of: (a) each... http://www.freshpatents.com/Method-and-system-for-interactive-initial-offering-of-multi-class-financial-instruments-dt20080424ptan20080097895.php Wed, 30 Apr 2008 12:39:45 -0700 A method and system for underwriter offering of multi-class instruments including a central processing unit (CPU), a program memory, a structure database and an investor database. The structure database stores a structure representative of a plurality of classes of a multi-class instrument, and the system operates to (i) inform investors... http://www.freshpatents.com/Method-for-managing-markets-for-commodities-using-fractional-forward-derivative-dt20080424ptan20080097888.php Wed, 30 Apr 2008 12:39:45 -0700 A fractional forward contract provides a financial instrument for managing trading of commodities that have variable and unpredictable availability at future dates by apportioning risk between parties (100, 170) by providing for parties (100, 170) to buy and sell a specified fraction of a commodity that the supplier (100) has... http://www.freshpatents.com/System-and-method-for-creating-a-customer-account-dt20080424ptan20080097896.php Wed, 30 Apr 2008 12:39:45 -0700 An electronic auction system may include a bid validator connected between a network and a customer database. The example bid validator may receive bid information from a customer over the network. The example bid validator may use the bid information to detect whether the customer database includes a customer record... http://www.freshpatents.com/Trading-system-with-internal-order-matching-dt20080424ptan20080097893.php Wed, 30 Apr 2008 12:39:45 -0700 Presented is a computer-based system for exchange order routing over a communication network which includes a client terminal configured to provide an end-user interface between the client terminal and a first server, the interface providing a template for building an order routing strategy including a stipulation string, and to submit... http://www.freshpatents.com/Transaction-management-system-dt20080424ptan20080097898.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention is directed towards methods, apparatuses, and systems for facilitating and enhancing processes associated with financial transactions. The present invention monitors and manages transaction-level work flows, and facilitates coordination of the tasks and operations associated with financial transactions. Embodiments of the present invention also allow for automation of... http://www.freshpatents.com/Management-system-for-handling-transactions-between-customer-terminals-and-operator-terminals-dt20080424ptan20080097902.php Wed, 30 Apr 2008 12:39:45 -0700 A reception management system for handling transactions includes a plurality of ACMs (Automated Contract/Consulting Terminals) for receiving procedure requests for predetermined transactions from customers, a plurality of ROTs (Remote Operation Terminals) to be employed by an operator for handling the procedure requests, a server for storing information for managing the... http://www.freshpatents.com/Method-and-system-for-electronic-settlement-of-checks-dt20080424ptan20080097899.php Wed, 30 Apr 2008 12:39:45 -0700 A system is provided for settling cash letters containing check images that are exchanged by banks connected to an image exchange system (IEX). Settlement amounts are computed and sent to the Federal Reserve Banks' National Settlement Service (FRBNSS) for settlement based upon business rules. Further, a method is provided for... http://www.freshpatents.com/Transaction-monitoring-system-dt20080424ptan20080097901.php Wed, 30 Apr 2008 12:39:45 -0700 A system for exchanging transaction messages between different computer systems includes a data processor for monitoring transaction messages. The data processor has a transaction processor for assigning identifiers to both inbound transaction messages from source executable applications and outbound transaction messages for communication to destination executable applications, to individually identify... http://www.freshpatents.com/Methods-of-delivering-payments-to-multiple-parties-dt20080424ptan20080097904.php Wed, 30 Apr 2008 12:39:45 -0700 The disclosed subject matter includes a method of distributing a payment of funds made payable to two or more payees. In some embodiments, the method includes the following: receiving a payment of funds made payable to two or more payees; inviting each of the two or more payees to electronically... http://www.freshpatents.com/Method-for-providing-a-money-transfer-service-through-a-payment-enabler-system-dt20080424ptan20080097905.php Wed, 30 Apr 2008 12:39:45 -0700 A method for processing person-to-person payments and money requests using a computer network. A payment enabler linked to the Internet enables an individual to register for an account through which the individual can make payments to other individuals, request money from other individuals, and access other functionality to facilitate the... http://www.freshpatents.com/Method-and-system-for-providing-a-widget-usable-in-financial-transactions-dt20080424ptan20080097906.php Wed, 30 Apr 2008 12:39:45 -0700 A system and computer implemented method for providing a widget are described. The method and system include receiving a configuration of the widget and rendering the widget on a site. The widget is for dynamically displaying multimedia content, is embeddable, and is copyable. The configuration includes an event with which... http://www.freshpatents.com/Systems-and-methods-for-adapter-based-communication-with-a-medical-device-dt20080424ptan20080097911.php Wed, 30 Apr 2008 12:39:45 -0700 A system according to one aspect of the present invention comprises a processor, a device interface, a data relay transceiver, and a memory coupled to the processor and storing instructions. The processor executes the instructions in the memory to receive data from a medical device through a wired connection using... http://www.freshpatents.com/Systems-and-methods-for-processing-and-transmittal-of-data-from-a-plurality-of-medical-devices-dt20080424ptan20080097909.php Wed, 30 Apr 2008 12:39:45 -0700 A method according to an aspect of the present invention includes receiving data from a plurality of medical devices through a wired connection, transmitting the data to an intermediary device, and formatting a message including the received data for transmission to a medical data server. This method can be practiced... http://www.freshpatents.com/Systems-and-methods-for-processing-and-transmittal-of-medical-data-through-an-intermediary-device-dt20080424ptan20080097908.php Wed, 30 Apr 2008 12:39:45 -0700 A method according to an aspect of the present invention includes receiving data through a wired connection from a medical device, transmitting the data to an intermediary device, and formatting a message including the received data for transmission to a medical data server. The intermediary device includes a software program... http://www.freshpatents.com/Systems-and-methods-for-processing-and-transmittal-of-medical-data-through-multiple-interfaces-dt20080424ptan20080097910.php Wed, 30 Apr 2008 12:39:45 -0700 A system according to one aspect of the present invention comprises a processor, a plurality of device interfaces, a data relay transceiver, and a memory coupled to the processor and storing instructions. The processor executes the instructions in the memory to receive data from one or more medical devices through... http://www.freshpatents.com/Systems-and-methods-for-wireless-processing-and-transmittal-of-data-from-a-plurality-of-medical-devices-dt20080424ptan20080097913.php Wed, 30 Apr 2008 12:39:45 -0700 One method according to the present invention includes receiving data wirelessly from a plurality of medical devices, transmitting the data to an intermediary device (such as a properly equipped mobile telephone or personal digital assistant), and formatting a message including the received data for transmission to a medical data server.... http://www.freshpatents.com/Systems-and-methods-for-wireless-processing-and-transmittal-of-medical-data-through-an-intermediary-device-dt20080424ptan20080097912.php Wed, 30 Apr 2008 12:39:45 -0700 One method according to the present invention includes receiving data wirelessly from a medical device, transmitting the data to an intermediary device (such as a properly equipped mobile telephone or personal digital assistant), and formatting a message including the received data for transmission to a medical data server. The intermediary... http://www.freshpatents.com/Systems-and-methods-for-wireless-processing-and-transmittal-of-medical-data-through-multiple-interfaces-dt20080424ptan20080097914.php Wed, 30 Apr 2008 12:39:45 -0700 A system according to one aspect of the present invention comprises a processor, a plurality of medical device transceivers, a data relay transceiver, and a memory coupled to the processor, and storing instructions. Each medical data transceiver is configured to receive data wirelessly from one or more medical devices. The... http://www.freshpatents.com/Internet-based-customizable-clinical-information-system-dt20080424ptan20080097918.php Wed, 30 Apr 2008 12:39:45 -0700 An Internet-based, or Web-based, customizable clinical (patients' records and care) information system (“CIS”) is provided. More specifically, the clinical information system is Web/Internet based, whether it utilizes a browser-type user interface or a distributed application-type user interface; the clinical information system may include automatic disease staging and associated treatment planning... http://www.freshpatents.com/Method-of-collecting-and-distributing-information-and-sorting-by-bid-price-using-wireless-communication-terminal-dt20080424ptan20080097916.php Wed, 30 Apr 2008 12:39:45 -0700 The present invention relates to a method of collecting and distributing information and sorting by bid price using wireless communication terminal, to resolve a problem of the prior art that the process of learning information related to advertisements or commodities for a user is cumbersome. The system of the present... http://www.freshpatents.com/Systems-and-methods-for-wireless-processing-and-medical-device-monitoring-via-remote-command-execution-dt20080424ptan20080097917.php Wed, 30 Apr 2008 12:39:45 -0700 A method according to the present invention includes receiving data wirelessly from a medical device, transmitting the data to an intermediary device, formatting a message including the received data for transmission to a medical data server, and receiving a command from the medical data server. Commands from the medical data... http://www.freshpatents.com/Decentralized-secure-transaction-system-dt20080424ptan20080097924.php Wed, 30 Apr 2008 12:39:45 -0700 A secure transaction system in accordance with one exemplary embodiment comprising a terminal; a secure access module coupled to the terminal; and a secure embedded device coupled to the secure access module during a transaction; wherein the business logic for controlling flow of the transaction is contained within the secure... http://www.freshpatents.com/Method-of-and-system-for-authorizing-purchases-made-over-a-computer-network-dt20080424ptan20080097925.php Wed, 30 Apr 2008 12:39:45 -0700 A method of and system for authorizing purchases made over a computer network is provided. In accordance with the present invention, a consumer electronically transmits an ATM card number over the network to an on-line merchant from which the consumer desires to make a purchase. The on-line merchant then electronically... http://www.freshpatents.com/Electronic-bartering-system-dt20080424ptan20080097930.php Wed, 30 Apr 2008 12:39:45 -0700 A 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 the first... http://www.freshpatents.com/Methods-systems-and-products-for-providing-communications-services-dt20080424ptan20080097929.php Wed, 30 Apr 2008 12:39:45 -0700 Methods, systems, and products are disclosed for providing communications services. One method receiving at a service provider a user's request for communications service. The user is permitted to negotiate with other service providers to fulfill the request for communications service.... http://www.freshpatents.com/Service-utility-pricing-model-dt20080424ptan20080097932.php Wed, 30 Apr 2008 12:39:45 -0700 In one embodiment a method comprises a method of determining a price level for a computer-based service utility comprises determining a base price for the service utility, determining a loss premium for the service utility, and adding the loss premium to the base price level.... http://www.freshpatents.com/Method-and-apparatus-for-pricing-products-in-multi-level-product-and-organizational-groups-dt20080424ptan20080097934.php Wed, 30 Apr 2008 12:39:45 -0700 The invention organizes various pricing tables and price adjustment tables and various products and purchasing organizations based on “who” (i.e. which purchasing organization) is purchasing “what” (i.e. which product). The invention utilizes a denormalized table to relate the “who” to the “what” using denormalized numbers. The invention further organizes various... http://www.freshpatents.com/System-and-method-for-calculating-real-time-costing-information-dt20080424ptan20080097933.php Wed, 30 Apr 2008 12:39:45 -0700 Real-time costing information is provided by a central knowledge base in communication with a database. The central knowledge base provides an application programming interface (API) through which queries are run on the content in the database. The database content includes a harmonized system (HS) module holding an HS tree unified... http://www.freshpatents.com/Access-housing-dt20080424ptan20080097935.php Wed, 30 Apr 2008 12:39:45 -0700 The Applicant has invented a business model to supply housing with telecommunication and internet services supplemented with education and career training....