Abstract: A system and process for redeeming concealed value gift certificates with concealed value products. The gift certificates, purchasable by a buyer, represent a value stored in a database and concealed from the subsequent recipient/redeemer. Gift products are selected by the system operator and similarly stored in a database with their corresponding prices. Upon receipt of a gift certificate identifier, the corresponding value is retrieved from the database, and used to identify a selection of gifts affordable with the certificate. The gifts are then displayed to the redeemer, without revealing either the value of the certificate or the cost of the gifts. As gifts are selected for purchase by the redeemer, the concealed value of the gift certificate is reduced by the cost of the selected gifts, and new sets of affordable gifts are identified and displayed to the redeemer. Gifts may also be `returned,` and the value added back into the concealed value of the gift certificate.

Abstract: The present invention is an apparatus for providing and managing a customized reward offer to an affinity group sponsor based on the aggregate performance of members of the group. The apparatus includes a processor configured to accesses historical aggregate data associated with the affinity group. The processor is further configured to determine a performance target associated with the affinity group. The processor is also configured to determine aggregate performance data based on the historical data and determine a performance target based on the aggregate performance data.

Abstract: A POS terminal determines an upsell to offer in exchange for the change due to a customer in connection with a purchase. The point-of-sale terminal preferably maintains a database of at least one upsell price and a corresponding upsell to offer a customer in exchange for the change due to him. If the customer accepts the upsell, the cashier so indicates by pressing a selection button on the POS terminal. The required payment amount for the customer to pay is then set equal to the rounded price, rather than the purchase price. Thus, the customer receives the upsell in exchange for the coins due to him, and the coins need not be exchanged between the customer and the POS terminal.

Abstract: A system is described for facilitating a syndicated sale of an insurance policy. The system employs a processor and a storage device connected to the processor, and a data receiving device and data output device connected to the processor. The processor executes a program to receive information relating to the insurance policy, and to transmit for electronic viewing by a potential buyer an invitation to offer to buy a share in the underwriting of the insurance policy. The share has associated therewith a risk cost assessable to the buyer if payment is made on a claim under the insurance policy. The processor receives offers to underwrite the share of the insurance policy; each offer includes information identifying collateral against which the risk cost may be charged in the event of payment on a claim. The transmission of the invitation and the offer to buy a share may advantageously be made on the Internet.

Abstract: A priority call queuing system allows the called site to exercise control over the position in a phone queue of an incoming call, based upon an economic value assigned to the incoming call. When the incoming call is received, an interactive voice response unit interrogates the caller and determines information such as, identity of the caller, quantity of items to be ordered, item numbers, catalog numbers and other data from which an economic value of the call can be determined. Thereafter, the call information is used, in conjunction with pricing and other economic data, present in a database at the called site, to assign an economic value to the call. The call's position in the queue is then adjusted in manner that is hidden from the caller, in accordance with the determined economic value. The rank positions of other calls within the queue are adjusted, accordingly.

Abstract: In accordance with the present invention, a central controller stores a series of registrations, each of which corresponds to a purchaser of a product. The central controller calculates a measurement of product success, such as the number of products sold or the market share of the product. The central controller determines if the measurement is within a predetermined range. For example, the central controller may determine if the number of products sold exceeds a predetermined threshold. A selected set of registrations which are "early-adopter" registrations are selected. The set of registrations thereby defines a set of early-adopter purchasers. For example, the central controller may select a set of registrations having ordinal positions within a predetermined range of positions, such as the first hundred registrations. Thus, one hundred early-adopter purchasers are defined.

Abstract: An off-line remote lottery system which enables players to purchase instant-type lottery game outcomes from a randomized prize datastream in a central computer and view the outcomes on remotely disposed gaming computers which do not require an on-line connection to the central computer during play, the central computer storing identification data for a plurality of gaming computers and being configured for randomly assigning outcomes from the randomized prize datastream to the gaming computers in response to purchase requests by players for a requested number of outcomes in each purchase request, each gaming computer including a game program in memory for execution on the gaming computer to generate games which yield the purchased outcomes or aggregate net payoff of the purchased outcomes, and a redemption function for generating a redemption request to cash-out winnings, the system enabling outcome purchase and redemption of winnings to be effectuated directly with the central computer over a telephone netwo

Abstract: The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data associated with the financial account. The method further includes the step of determining a first performance target associated with the financial account. The method also includes the steps of selecting a reward offer having an associated reward description and transmitting the first performance target and the reward description to the account holder. The method continues with the steps of collecting transaction data associated with the financial account and evaluating the collected transaction data to determine a second performance target associated with the financial account. The collected transaction data is then compared to said first performance target. If the collected transaction data exceeds the first performance target, the financial account is updated to reflect the reward.

Abstract: A method and device for automated, repetitive play of a gaming device, such as a slot machine. A player enters player identifying information and player parameter selections at a gaming device. The gaming device stores the player parameter selections and proceeds to initiate automated play of the gaming device. Such automated play occurs while the gaming device is unattended by the player, while a remote communications device, such as a pager, transmits certain results to the player. Furthermore, no other player may use the gaming device during such automated play. The automated play session ends upon occurrence of a limiting criterion such as the expiration of funds, or upon the manual termination of the automated play session by an external action.

Abstract: A system for entertaining a caller placed in a queue of a call center is disclosed that allows the caller to access a plurality of entertainment options while on hold. The entertainment options permit the caller to (i) place a call to a third party while on hold; or (ii) access one or more premium entertainment services while on hold. A PBX/ACD receives the calls destined for the call center, and queues the calls when an appropriate attendant is not available. An IVRU prompts a caller for specific information and forwards the collected information to the PBX/ACD. The IVRU provides the caller with a menu of available entertainment options which can be accessed by the caller while the caller is on hold. The PBX/ACD establishes a connection between the caller and the selected entertainment service. The call is then transferred to an available attendant with any data that may be required to process the call.

Abstract: A system for providing an open-ended subscription to commodity items normally available on a term basis includes a central agent that serves as the front-end for commodity suppliers. This central agent maintains databases containing information associated with a group of commodity items and their sales. Using these databases, the central agent produces subscription records to provide open-ended subscription services to its customers, while supporting the term-based subscriptions of the commodity suppliers.

Abstract: A method and apparatus for using player input codes (e.g., numeric, biometric or physical) to affect the outcomes of electronic gambling devices, such as slot machines. The player inserts money into the slot machine and enters an input, e.g., a lucky number or biometric measurement, into a device attached externally to the slot machine. A central processing unit ("CPU") within the slot machine receives the input and directs a random number generator to produce a random number. The CPU retrieves a combination algorithm from an algorithm database and then applies the combination algorithm to the player number and the generated random number to form a combined value. The CPU looks up the combined value in a probability table to determine resulting reel positions. The CPU looks up the reel positions in a payout table to determine the amount of money won or lost by the player. If the player has won, the CPU directs a hopper controller to release the appropriate number of coins or tokens into a payout tray.

Abstract: An improved credit card billing method and system is disclosed which permits multiple items purchased as part of a single transaction or order to be separately billed on a credit card in accordance with a payment schedule designed to minimize inquiries regarding the overall order by the customer. The billing system permits the billing descriptor appearing on the credit card billing statement to have sufficient detail to minimize subsequent customer inquiries. The billing descriptor preferably includes a different customer service number for each individual item. Goods or services are purchased from a merchant in a conventional manner. The customer provides the merchant with a list of the multiple items included in the order, as well as credit card information. The merchant will preferably establish a staggered schedule for billing each individual item in the order and submit the charge requests to the credit card issuer in accordance with the established billing schedule.

Abstract: A method and system for remote play of a gaming device, such as a slot machine. A player enters play preferences at a remote wagering terminal. The remote wagering terminal transmits the play preferences to a slot network server that stores the play preferences. Based upon the play preferences, the slot network server identifies one or more slot machines and transmits outcome data from those slot machines to the remote wagering terminal. The outcome data may be live or historical. In one embodiment of the present invention, the slot network server generates visual representation data based on the historical data, and transmits same to the remote wagering terminal. The slot network server keeps track of the player's wins and losses based upon the outcome data.

Abstract: A method and apparatus for controlling credit card use. As described in one aspect of the disclosure, a method is disclosed for facilitating communication between a first person (e.g., an account holder) and a second person (e.g., a user) so that the first person may authorize a transaction between the second person and a third party (e.g., a merchant). The method comprises the steps of linking the first and second persons to a financial account that is used for the transaction, receiving data identifying the financial account and the third party from the third party, inquiring whether the first person desires to communicate with the second person based on the data identifying the financial account, and enabling communication between the first and second persons based on a response to the inquiry from the first person and the data identifying the third party.

Abstract: A method for readers of standard-length articles in magazines, newspapers, or similar printed media to purchase supplemental information on portions of information in the articles from publishers that print the articles, operators of electronic databases containing the supplemental information, or third party intermediaries handling requests for supplemental information. Embedded in the midst of the printed articles is a code that is physically positioned to identify a limited portion of information in the printed article. A reader may use the code to indicate further interest in supplemental information located in an electronic database, and to select a method of delivery whereby the supplemental information in the database can be delivered the reader.

Abstract: The call handling system incorporating the invention is directed at: queuing a call when no agent is available to service the call; giving the caller an option to monitor (but not participate in) other caller conversations with similar queries, or to listen to recorded calls involving similar queries; querying a database using collected initial information as a search key(s) to retrieve a similar call currently being serviced or a recorded call; and connecting the caller to a communication channel to allow the monitoring of a call while not losing place in the queue for a next available agent. In a further embodiment of the invention, the caller is given a further option to enter a "chat room" where callers having like problems can converse until an agent becomes available.

Abstract: An apparatus, method, and program for customizing credit accounts and calculating an appropriate price for this customization. Customers with existing credit accounts and customers applying for new accounts can customize various parameters of their accounts, in exchange for a fee to be collected by the credit issuer. The fee may depend on the particular set of parameters selected by the customer.

Abstract: In accordance with the present invention, a gaming device includes a plurality of balances. The gaming device receives monetary input such as currency or a transfer from an account, and in turn increases one or more balances. The balance increased depends on criteria such as the amount of monetary input or the source (e.g. from a casino account). Players may draw wager amounts from different balances, and add award amounts to the balances. Incentives are provided for using the different balances. For example, different balances may have different payout schedules, different probability schedules, or both.

Abstract: A system and process for distributing a product in accordance with a subscription purchase agreement that includes the establishment by a customer of an account with a seller of a product, the assignment of a customer identification number to the account maintained by a customer, the receipt of a credit card number corresponding to the customer, and the receipt of a request from the customer to purchase the product from the seller. The request includes a set of purchase terms and conditions related to the product. Also, the set of purchase terms and conditions are recorded for the customer. The set of purchase terms and conditions indicate a purchase price for the product. A customer's credit card or other account may be assessed a penalty in the event that the customer does not honor the purchase terms and conditions.