Abstract: A method and apparatus for recording audio so that the recording can be authenticated as to both content and time of recording is provided. The system may be implemented as a central server that is accessed via one or more telephone lines, or as a stand-alone unit. The system operates by encrypting audio information, storing the encrypted information, and providing users with a cryptographic key that can be used to decrypt the stored information. Preferably, time stamps are embedded in the stored information. Digital signatures may be used to provide additional security.

Abstract: In accordance with at least one embodiment of the present invention a retailer may receive a request from a group of customers for a reward the group desires to earn by making purchases at the retailer. In response to such a request the retailer determines purchasing conditions the group must satisfy in order to earn the reward. The purchasing conditions may be determined based on, for example, a value of the reward (e.g., a cost of the reward to the retailer), a number of customers in the group, and/or a time by which the group desires to earn the reward. The purchasing conditions may be determined such that the retailer realizes at least a predetermined profit after the cost of providing the reward is considered. The methods of the present invention may be implemented at an online and/or brick-and-mortar retailer.

Abstract: A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase price. The installment plan identifiers are based on the purchase price and/or the financial account identifier. For example, certain accounts or certain high purchase prices may merit preferred installment plans. The installment plan identifiers are transmitted to the POS terminal. A purchaser at the POS terminal selects whether he would like to pay for his purchase in installments and, if so, using which installment plan. The POS terminal generates a selection signal indicative of whether to accept any of the installment plans, and transmits the selection signal to the central controller. The central controller receives the selection signal.

Abstract: A mailing list test service is disclosed that involves a plurality of mailing lists, each mailing list including information about a plurality of list members. The service includes sending an e-mail message to each of a subset of list members. At least one response is received, and one of the lists is selected for use based on the received responses.

Abstract: Purchasing system methods and apparatus are provided wherein a buyer purchases a first product through a purchasing system, such as by submitting a buyer offer. A retailer receives product redemption information from a buyer, the product redemption information enabling the buyer to take possession of the first product. The retailer determines a substitute product to provide to the buyer, the substitute product being different than the first product. The determination may be based on information contained in the buyer offer, such as a product category, a product class and one or more product features.

Abstract: A method according to one embodiment of the present invention provides for receiving a request for an automated session. The automated session comprises a plurality of games. The method further provides for initiating a first game of the automated session, the first game corresponding to a first gaming device, and initiating a second game of the automated session, the second game corresponding to a second gaming device.

Abstract: A system, method, and ticket for a lottery player to increase a payout received for winning a lottery game is disclosed. A request to purchase a set of play indicia (e.g. lottery numbers) and to associate the play indicia with a multiplier is received from a player. Data relating to the set of play indicia and data identifying the multiplier are stored in a memory where they are logically associated with each other. A purchase price is determined for the multiplier based upon various factors including the expected value of the multiplier as applied to a lottery ticket. The set of play indicia may be for a drawing-type lottery game and/or an instant-type lottery game and may be defined by characters and/or other representations. The magnitude of the multiplier may be determined at random.

Abstract: A method according to one embodiment of the present invention provides for receiving data indicating a request by a player for an automated session, in which the automated session comprises a plurality of lottery outcomes. The method further provides for determining at least one parameter associated with the automated session and for determining at least one lottery outcome. The method also includes providing the at least one lottery outcome based on the at least one parameter.

Abstract: According to one embodiment of the invention, a method is provided for receiving a timestamp from a caller via a telephone connection; receiving a device identifier from the caller, in which the device identifier identifies a device; determining a cryptographic key based on the device identifier; determining an indication of a time based on the timestamp and the cryptographic key; providing the indication of the time to the caller; determining an account; and charging a fee to the account.

Abstract: An off-line remote lottery system which enables players to purchase instant-type lottery game outcomes from a randomized prize data stream in a central computer, and view the outcomes on remotely disposed gaming computers which do not require an on-line connection during play.

Abstract: An electronic gaming device, such as a slot machine, is provided which initiates a game without input from a player. After initiating the game, the device may present one or more active game elements, such as rotating slot reels, to the player. The device determines an outcome of the game corresponding to a final position of the active game elements. The device further provides an interval to the player to make payment before the final outcome of the game is displayed. Payouts to the player are based on the final outcome and whether the player has made payment. Payouts may be increased based on a measurement of the player's participation rate in a series of games and the frequency of the games played, as measured by the device.

Abstract: A remote gaming system whereby a player can gamble against a wagering establishment or state-run lottery from a remote location on a personal computer or portable computer device where it is unnecessary to establish an on-line connection with a host computer associated with the wagering establishment, the gaming computer having associated gaming software for providing at least one wagering opportunity and enabling the player to obtain gambling credit and cash-out any resulting winnings, the host computer enabling the player to purchase and redeem gambling credit at the remote location in one embodiment of the invention using cryptographic protocols such as through a series of authenticatable message exchanges between the player and the wagering establishment, the gaming computer and the host computer directly on-line, or the gaming computer having a detachable tamper-resistant or tamper-evident credit module associated therewith or for use with a personal computer being provided to the player with preinstalle

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 gaming device, such as a slot machine, determines a balance and a “dispensed amount” that is less than the balance. The dispensed amount may be determined by, for example, receiving signals from one or more key presses that specify the dispensed amount. Alternatively, the dispensed amount may be determined in accordance with one or more “balance management rules”. The gaming device in turn dispenses the dispensed amount, for example, by dispensing an amount of currency, transferring the dispensed amount to an account or adjusting a balance of a remote gaming device. The balance is adjusted by the dispensed amount, and this adjusted balance is available for initiating a subsequent play of the gaming device.

Abstract: A system and process for generating, distributing, and processing lottery tickets guaranteed to win a drawing-based prize. Tickets are appropriately priced, and are validated at point of sale by a central server in which the ticket information is stored. Subsequent to each lottery drawing, the winning lottery numbers are compared to the entries in a never-lose ticket database to determine if any of the entries match the winning number. Winning entries are appropriately identified and tagged as inactive, while entries that have not yet won a drawing-based prize remain active for future drawings. Ticket pricing methodology is provided for appropriately pricing never-lose tickets. A method and apparatus are further provided whereby a ticket holder may query the status of a never-lose ticket directly from the server.

Abstract: A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a cryptographically-encoded permission certificate, and processes the received permission certificate to execute the transactions.

Abstract: A customer acquisition system is disclosed that allows an offeror service provider to acquire new customers by making acquisition offers to customers through the billing statements of other businesses (“billing statement issuers”). An “acquisition offer” is an offer by the offeror service provider to pay an amount owed by the customer to the billing statement issuer, or a portion thereof, provided the customer agrees to become a customer of the offeror service provider. Predetermined criteria are used to automatically include an acquisition offer for eligible potential new customers of the offeror service provider with a billing statement or on associated promotional materials, and allows the customer to accept the acquisition offer using the billing statement. The customer acquisition system optionally ensures that the customer is not an existing customer of the offeror service provider before extending an acquisition offer.

Abstract: A gaming system includes a network server connected to a plurality of gaming devices that are adapted to provide a video payout on each play based on a set of payout parameters. Memory at each gaming device stores payout parameters that correspond to each possible gaming result or outcome. When a play is initiated by a player, a gaming result is generated at a gaming device. The gaming device responds by accessing a corresponding payout parameter from the memory which may be a monetary amount, a video presentation segment or a combination thereof. If the payout is video, the network server receives the payout parameter and transmits video presentation segment to the gaming device accordingly. The gaming device then provides a video payout, in the form of displayed video presentation, to the player. The player thus receives at least one form of payment on each play.

Abstract: In accordance with one embodiment of the present invention, a method provides for determining data associated with a gaming device; determining whether the data meets at least one established criterion; and providing an offer to a player if the data meets the at least one established criterion, the offer including a condition and an amount of credit to be provided to the player in exchange for the player agreeing to the condition.

Abstract: A method of motivating players to return to a casino includes receiving a request to convert a predetermined value of casino currency to cash. Upon the receipt of the request, a premium value is calculated based at least in part on the predetermined value. Subsequently, the customer is provided an instrument having a total value equal to the predetermined value plus the premium value when the instrument is used at the casino. The instrument may comprise a check having a negotiable value equal to the predetermined value, and a second pay-line defining the total value with the premium to be provided if the check is cashed at the issuing casino.