Abstract: A method for delivering advertising data, comprising receiving end user data at a server, the data indicating available advertising spots in content data stored at an end user device; and updating from the server advertising data in the available advertising spots for presentation of the advertising data during replay of the content data at the end user device. A system is disclosed for performing the method. A data structure embedded in a computer readable medium is disclosed for containing data for performing the method.

Abstract: A method and system using a communication network such as the Internet to allow registered users the flexibility to pay a bill by using traditional non-electronic payment methods after receiving an e-mail notification. The e-mail notification contains at least summary information which is formatted in the form of a remittance which can be included with the non-electronic form of payment allowing a user to retain the ability to pay a bill non-electronically while still being electronically notified that the bill is coming due. Additionally, a registered user has the option to pay a bill electronically after receiving the e-mail by clicking on an appropriate web address embedded within that e-mail. The registered user will either be directed to a biller website or a Customer Service Provider (CSP) and/or a Business Service Provider (BSP) website and given the option to pay the bill electronically.

Abstract: A method and system for browsing and ordering from product catalogs via the Internet is disclosed. When a customer requests a catalog page, a low resolution image of the requested page is first provided to the customer. The size of the computer file corresponding to the page is reduced to be as small as possible, while still allowing products imaged on the page to be recognized. When a customer clicks on a hyperlink in the form of a blocked area in the low resolution image catalog page corresponding to a particular product, a more detailed presentation for that product is built from stored files which include a high resolution picture of the product, a headline file identifying the product, a copy file describing the product, and an order block data file providing detailed information for ordering the product. By initially providing low resolution images for requested catalog pages, such pages can be quickly downloaded to a customer's computer.

Abstract: An advertising system and method for a communication system that delivers advertisements to subscribers based on the respective subscriber data. The advertisers, through the provider of the system, have advertisements selected and delivered to the subscriber based on the subscriber data. The advertiser pays for advertisement delivery such that the provider can offer reduced rates or free communication services to the subscribers. The provider is capable through the system to update the subscriber data in real time including personal profile, purchase history, financial condition, and location. The provider through the system is capable of establishing advertisement delivery priority by evaluating the subscriber data in real time just prior to triggering advertisement delivery. The advertisement can be delivered in place of ring tones, at the end of the conversation, and while waiting for the other party to answer.

Abstract: A system is described for teaching users financial management using an online currency management system, including enabling an administrator to set up a financial account through a network. This step further includes assigning specific tasks for completion by one or more users, setting rules related to the management of play currency, and designating rewards that are earned by the one or more users through completion of the specific tasks. The system further includes providing a web-based interface for the one or more users to access and manage their own user account containing the play currency, and enabling the administrator to fund, with real currency, the purchase of the rewards by the one or more users with play currency.

Abstract: A method of executing a transaction related to the purchase of fuel. A contract is entered into by a purchaser with a card service provider or financial institution for a certain amount of fuel at a fixed or capped price offered over a predetermined duration. The fuel is purchased from a retail merchant. A payment is made or received by the purchaser depending on the difference between a prevailing retail index price and the fixed or capped price. A premium may be paid for entering into a capped price arrangement. The fixed and capped prices may be related to a retail index price at or before the time the contract is entered into. In another embodiment, the method includes receiving retail price index data for fuel sales and determining fuel sale contract criteria, with a fuel sale contract proposed for a purchaser.

Abstract: A financial terms alert generation system comprises an information retrieval module, a financial terms comparison module, and an alert transmission module. The information retrieval module is configured to retrieve financing information, customer information, and product information from one or more sources accessible on a network. The financial terms comparison module is configured to compare a customer's current financial arrangement to a potential new financial arrangement to determine whether the customer is able to enter into a new financial arrangement on terms favorable to the customer. The alert transmission module is configured to transmit an alert to a dealer in cases in which the financial terms comparison module determines that a customer is able to enter into a new financial arrangement on terms favorable to the customer. Such alerts identify the customer and the favorable financial terms.

Abstract: A charging correlation method for an application or service is provided. The method may include: receiving a service identifier assigned for an application or service; and correlating Charging Data Records CDRs generated for the application or service based on the service identifier. A charging correlation system, a billing center and an apparatus are also provided. These method and apparatus may provide a simple charging correlation process for an application or service.

Abstract: A review for a content publisher is received, the content publisher publishing content to which advertisements are targeted over a distribution network. An aggregated approval score for the content publisher is generated based on the received review and other reviews for the content publisher. The aggregated approval score is provide to an advertiser. An indication to accept or reject the targeting of the advertisements to the publisher content is received, the indication being received after providing the aggregated approval score to the advertiser.

Abstract: A method, system and program product for managing a plurality of individual client deposits for multiple clients, the method comprising: accessing, an electronic database, comprising: aggregated account information for a plurality of Federal Deposit Insurance Corporation (FDIC)-insured and interest-bearing aggregated deposit accounts held in a plurality of banking institutions, and client information for each of a plurality of the respective clients, i, comprising (i) a total of a respective client's funds deposited across a plurality of the FDIC-insured interest-bearing aggregated accounts held in a plurality of the banking institutions; and (ii) a maximum deposit percentage of the respective client funds to be held in at least one of the banking institutions; maintaining funds for said individual clients in a plurality of the FDIC-insured, interest-bearing aggregated deposit accounts at a plurality of banking institutions, wherein each of the banking institutions has at least one of the aggregated deposit a

Abstract: A system an method for providing banks with access to a previously inaccessible exiting international infrastructure. A provider bank first establishes on its system, a set of accounts for each of the customers of a client bank (the client bank environment). The client bank environment has its own Demand Deposit Account (DDA) module to process account entries and calculate interest and its own funds transfer module to initiate and to receive funds transfers. The primary interface into the funds transfer section in the client bank environment is to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank is coupled to the systems which constitute the international banking infrastructure that is able to process banking transactions on a global basis for the customers of the client bank.

Abstract: A method is disclosed for integration of open advertisements with targeted websites, including enabling a seller to place a product on auction through an auction website, wherein an auction server creates an auction listing for the product together with a first software code affiliated with the auction listing; marking the first software code to function with a targeted website in response to the seller requesting an open advertisement of the auction listing; receiving a call of the software code from a targeted website server; generating a second software code with the first software code, wherein the second software code includes a product identification to provide access to the auction server; and sending the second software code to the targeted website server, the second software code configured to create the open advertisement that displays specific information related to the auction listing to be served to an advertisement position of the targeted website.

Abstract: The present invention is a method for supporting an exchange transaction, in which users can complete exchange transactions between and/or among themselves.

Abstract: A tradable investment unit is an inseparable combination of a predetermined quantity of a tradable security together with a put option contract for the predetermined quantity of the tradable security. The combination will specify the minimum price and thereby the maximum potential loss of the tradable investment unit to purchasers. The profit potential will be unlimited as the price of the tradable security increases above the cost of the tradable investment unit.

Abstract: Equipment of a provider performs operations including facilitating establishment of first communications between the equipment of the provider and equipment of a purchasing customer to establish a billing arrangement, facilitating establishment of second communications with equipment of a selling vendor to establish a remitting arrangement, enabling the equipment of the purchasing customer to communicate with the equipment of the selling vendor by way of the equipment of the provider, obtaining transactional information relating to a purchase transaction initiated by the equipment purchasing customer, where the purchase transaction results in a billing account of the purchasing customer being charged a first fee, and initiating a remittance of a second fee with the equipment of the selling vendor Additional embodiments are disclosed.

Abstract: Systems and methods are provided for pricing, selling, and/or otherwise distributing electronic content using auction mechanisms. A randomized auction mechanism is used to determine both the number of goods that are sold and the selling price. The auction mechanism automatically adapts to the bid distribution to yield revenue that is competitive with that which could be obtained if the vendor were able to determine the optimal fixed price for the goods. In one embodiment a set of bids is randomly or quasi-randomly partitioned into two or more groups. An optimal threshold is determined for each group, and this threshold is then used to select winning bids from one or more of the other groups. In another embodiment, each bid is compared to a competing bid that is randomly or quasi-randomly selected from the set of bids. If the bid is less than the randomly-selected competing bid, the bid is rejected. Otherwise, the bid is accepted and the bidder buys the auctioned item at the price of the randomly-selected bid.

Abstract: Methods, systems, and machine-readable media are disclosed for tracking and reporting information related to compliance with a set of security requirements by one or more entities handling financial transaction information. According to one embodiment, a system can comprise one or more acquirer systems, each adapted to process information related to a plurality of financial transactions for entities involved in the transaction. A tracking and reporting system can be communicatively coupled with each of the acquirer systems. The tracking and reporting system can be adapted to collect at least a subset of the information related to the plurality of financial transactions, collect compliance information related to the entities involved in the transaction, the compliance information for each entity indicating that entity's compliance with the set of security requirements, and generate one or more reports based on the information related to the plurality of financial transactions and the compliance information.

Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Abstract: An electronic auction system which Includes a Central Auction Controller (CAC) that allows sellers to list items for auction and users to enter bids and rank srdorings Is disclosed. The CAC maintains a central database comprising a database of user information, a database of Items and bids and a database of vendor information. Administration of the system is accomplished via an I/O device and CPU and an optional e-mail processor allows automated messaging to users. This methodology allows users to effectively bid on a large number of mutually exclusive items but receive at most one item at the end of the auction.

Abstract: A rules-based schema is designed as a directed graph to model various electronic trading markets and trading constraints inherent therein such that the executability of proposed trades having multiple trade parameters can be determined by applying the trade parameters against the constraints, and confirming the executability of the trade if the constraints are satisfied.