Abstract: A method for implementing verification and payment in content services includes: pre-configuring a payment-related interface between a content service provider and an instant messaging service provider; providing the payment-related interface in a function library providing the instant messaging service's login verification interface; modifying the function library and a first jar package including a content service program provided by the content service provider, which includes: injecting the login verification interface and the payment-related interface into the first jar package and configuring the login verification interface as to be called before the content service program is executed; and combining the modified first jar package and function library to form a second jar package, modifying the value of attributes originally belonging to the first jar package in the second jar package to make the modified value of the attributes reflect corresponding attributes of the second jar package.

Abstract: Disclosed is a method for generating a fraud risk score representing a fraud risk associated with an individual, the method comprising: a) determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and b) generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data.

Abstract: A computing system facilitating electronic bill presentment and payment features for authorized users via a user interface is introduced including an analysis engine. The analysis engine, in response to user interaction with the user interface, selectively performs user-defined analysis on at least a subset of retrieved billing information associated with one or more billers. The analysis engine further generates one or more user-defined report(s) based, at least in part, on the user-defined analysis.

Abstract: The embodiments disclosed herein include new, more efficient ways to request, create, send, and receive product reviews from the Internet. One aspect of the invention is an email message for a customer. The email message includes a request to review a product obtained by the customer in a transaction; a rating input area and/or a text input area; an authentication token that includes a transaction identifier corresponding to the transaction; and an HTTP form submission command to send a response to the request from the customer to a remote computer. The response includes a rating entered in the rating input area and/or text entered in the text input area, and the authentication token.

Abstract: According to one aspect of the invention there is provided a method, comprising collecting voiceprints of callers; identifying which of the collected voiceprints are associated with fraud; and generating a whitelist comprising voiceprints corresponding to the collected voiceprints not identified as associated with fraud.

Abstract: A credit card security system method for preventing fraudulent use, comprising the steps of a credit card provider opening one account with two different card numbers, with a first “main credit card” and a second credit card for a spare. The main credit card is activated by the provider and the spare credit card remains “deactivated”. On a pre-set time basis the credit card provider will automatically upon notice to the customer, deactivate the main card and activate the spare card. If any suspicious or fraudulent transaction is detected by the credit card provider, the main credit card is deactivated. If the transaction is authorized, then the main credit card is re-activated. If the transaction is not authorized, the spare credit card is activated to be used as the main credit card. The credit card provider then replaces the deactivated credit card with a new number and sends a new credit card with the new credit card remaining deactivated.

Abstract: Providing a financial investment fund includes receiving a plurality of individual-funds corresponding to a plurality of investors respectively and aggregating the plurality of individual funds into an aggregated fund. Next, providing a financial investment fund includes purchasing a plurality of financial instruments from at least one financial institution with a first portion of the aggregated fund and placing a second portion of the aggregated fund in a transaction account. The financial investment fund may include at least the financial instruments and the transaction account. In addition, one of the at least one financial institution may use at least a portion of the first portion of the aggregated fund received in exchange for the plurality of financial instruments to perform a function of the financial institution.

Abstract: A Java 2 Enterprise Edition (J2EE) enabled server executing Java software provides a financial transaction Web service to a client each of which communicates wirelessly with the J2EE enabled server and executes Java software to conduct financial transactions between a merchant and a consumer upon an account issued by an issuer to the consumer. Each financial transaction is submitted by the merchant to an acquirer for processing by a transaction handler/payment processor, and is submitted by the transaction handler/payment processor to the issuer to obtain a payment amount for the financial transaction from the account, and wherein the issuer forwards the payment amount of the financial transaction to the transaction handler/payment processor who forwards the payment amount of the financial transaction to the acquirer to pay the merchant for the financial transaction.

Abstract: A method, software, database and system for determining modifiable lifestyle attributes which when altered, can increase the longevity of an individual is presented. Based on an individual's pangenetic (genetic and epigenetic) attributes and by comparison with databases of attributes and longevity data, specific modifiable attributes which increase longevity, based on the individual's specific pangenetic makeup, can be identified.

Abstract: A system for receiving bid requests and bid proposals sent thereto over a data-packet-network (DPN) and for matching the bid proposals to the bid requests includes at least one input/output port for receiving the bid requests and the bid proposals, at least one memory utility for storing the bid requests and bid proposals, and a set of machine readable instructions for enabling matching of the stored bid proposals to the stored bid requests.

Abstract: A method for detecting against unauthorized transmission of digital works comprises the steps of maintaining a registry of information permitting identification of digital copyrighted works, monitoring a network for transmission of at least one packet-based digital signal, extracting at least one feature from the at least one digital signal, comparing the extracted at least one feature with registry information and applying business rules based on the comparison result.

Abstract: The disclosure details implementations of apparatuses, methods, and systems directed to facilitating an entity sponsoring a trust. The sponsoring entity contributes a pool of assets (e.g., a pool of real property mortgages) to fund the trust. The system facilitates the creation of one or more classes of certificates that represent a portion of the assets held in the trust. For example, if the trust is funded by mortgages, the certificates will represent rights to different portions of principal and/or interest payments generated by the mortgages held as the asset pool. The sponsoring entity can use the system to sell all or some of the certificates to unrelated parties and to create a market in the certificates. Further, in an implementation, the sponsoring entity may also use the system to facilitate an ongoing certificate exchange program implementing a series of certificate exchange applications.

Abstract: A method of transferring money from a first user to another user through a cellular network is disclosed. The method includes a the first user buying a voucher of a specified money from market and sending a USSD string to a cellular network, the cellular network authorizing details provided by the first user, sending a notification to the first user confirming transfer of the money to the second user, sending the second user a notification informing receipt of the money from the first user, sending the second user a secret code, a vendor confirming details provided by second user by contacting the cellular network, the cellular network further confirming the second user, authorizing the vendor to pay the specified money to the second user, crediting the money to the vendor account, and sending a confirmation to the first user notifying the second user has received the cash.

Abstract: The present invention is directed toward a method of advertising on a portable media device having video and audio capabilities comprising the steps of: (a) embedding a video advertisement on the supportive identification information of a music file; (b) downloading the music file to a portable media device with a video advertise so that playing the music file generates the display of a video advertisement; (c) tracking the play count of each music file with an associated video advertisement until the play count data reaches a certain fixed number; d) recording the play count of each music file in connection with each specific video advertisement; and (f) changing the advertisement in the embedded supportive information of the music file.

Abstract: Methods for tracking customer spending: the methods may comprise receiving from the customer a first threshold amount and a period length; receiving a transaction indication for each debit transaction made by the customer during a first period; and alerting the customer if the sum of the amounts of debit transactions during the first period exceeds the first threshold amount. The methods may also comprise receiving a transaction indication for each debit transaction made by the customer during a second period; and alerting the customer if the sum of the amounts of debit transactions during the second period exceeds a second threshold amount.

Abstract: A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such as a paper check from a third party, payable to the depositor. The enabling system features a Remote Customer Terminal (RCT) with certain input devices, connected to a bank system. An image and/or other data of the financial instrument are transmitted from the RCT to the Bank of First Deposit (BOFD) where the data may be processed by conversion to Electronic Funds Transfer (EFT), via Electronic Check Presentment (ECP), or via check reconstruction. The deposit transaction can be accomplished without physical transfer of the financial instrument to or through the bank system. The system and method provide convenience and improved transaction processing speed compared to other deposit transactions of financial instruments.

Abstract: A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

Abstract: Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to pay suppliers within a predetermined period of time, such as a settlement period. Specifically, the invoiceless trading system enables a customer to obtain a discount on orders placed with suppliers in return for an immediate payment (e.g., within 24 hours) by the customer. The supplier receives payment within the predetermined period of time, and the customer receives additional cash benefits by providing an early payment to the supplier. To communicate with and transfer funds between customers and suppliers, the invoiceless trading system may use an electronic gateway and a settlement bank. In addition to creating an incentive to embrace e-commerce, both customers and suppliers avoid the need to manually process orders and use invoices to complete transactions.

Abstract: A metadata guide of audio, video, multimedia transmission, receiving and playback with advertising and bi-directional fulfillment of goods and services over the Internet includes the use of user and stream demographics. A streaming content distribution system includes a a server to a) stream content based on i) user demographics and ii) historical and real time stream demographics from a plurality of streaming content sources and b) stream advertisements based on user demographics selected by advertisers, commercial agreements and access control rules from a plurality of streaming advertisement sources before, during, and after playback of streaming content from the server over the internet to a user device including a central processing unit and a physical user interface; and a guide including metadata not input by the users for the user device to locate streaming content on the server.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for evaluating risk adjusted performance of an investment portfolio. This invention may be applied to any asset which has a value. The invention evaluates risk adjusted performance of an investment portfolio by first determining at least one positive utility concept and at least one negative utility concept describing an asset. Then, the invention normalizes the at least one negative utility concept to an equivalent negative utility concept describing or deriving from a group of assets. Finally, the invention may relate at least one positive utility concept and at least one normalized negative utility concept to determine a performance measure. In this way, the invention normalized negative asset returns such that better investor utility ratings are not falsely provided.