Abstract: Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.

Abstract: A web-based video editing system configured to edit an interactive video is provided. The web-based video editing system includes an editing system configured to receive and process one or more user interactive video editing requests, wherein the editing system is configured to process the requests by generating information indicative of a linked list; a communication device configured to: receive the generated information; examine a current state of the interactive video; and generate information indicative of the examined current state of the video; and a graphical user interface in communication with the communication device and configured to display the edited interactive video.

Abstract: A system in one embodiment includes an image forming device for forming an image from an area of interest containing different image components; an illumination device for illuminating the area of interest with light containing multiple components; at least one light source coupled to the illumination device, the at least one light source providing light to the illumination device containing different components, each component having distinct spectral characteristics and relative intensity; an image analyzer coupled to the image forming device, the image analyzer decomposing the image formed by the image forming device into multiple component parts based on type of imaging; and multiple image capture devices, each image capture device receiving one of the component parts of the image.

Abstract: A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A virtual world patron can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding the virtual world activities and transactions. The virtual world patron may also have an opportunity of engaging in related real-world activities and transactions. Designated virtual objects with special distinguishable attributes may be sponsored by a real-world entity. Some virtual world communication techniques may be used to help establish a recognizable association between the real-world entity and the designated virtual objects.

Abstract: A system, method, and computer-readable medium are provided for managing a portfolio using financial instrument rankings. A processor determines portfolio weights for financial instruments based on a ranking associated with each instrument, a cutoff rank, and a risk multiplier.

Abstract: A cooperative arrangement and method to monitor behaviors and other activities by an individual in an organization are disclosed. A personal financial disclosure statement, personal financial records, and other relevant financial data associated with an individual who is associated with, or to be associated with, the organization are obtained. Information is extracted from the personal financial disclosure statement, the personal financial records, and the other relevant financial data and input into a risk assessment algorithm. The risk assessment algorithm operates on the input information and generates risk assessment data. The risk assessment data is evaluated to make a determination of certification with respect to the individual. A decision to certify means that the risk associated with the individual, with respect to committing fraud or some other improper act with respect to the organization, is acceptable.

Abstract: Methods and systems for engaging in enhanced parimutuel wagering and gaming. In one embodiment, different types of bets can be offered and processed in the same betting pool on an underlying event, such as a horse or dog race, a sporting event or a lottery, and the premiums and payouts of these different types of bets can be determined in the same betting pool, by configuring an equivalent combination of fundamental bets for each type of bet, and performing a demand-based valuation of each of the fundamental bets in the equivalent combination. In another embodiment, bettors can place bets in the betting pool with limit odds on the selected outcome of the underlying event. The bets with limit odds are not filled in whole or in part, unless the final odds on the selected outcome of the underlying event are equal to or greater than the limit odds.

Abstract: The present invention is a console, system and method for providing an interface to a financial market trading system or to a financial market based gaming system. The invention enables the trader to trade on financial markets using an interface simulating known and popular games from the world of sports, arcade, games of chance, strategic games and the like.

Abstract: A method for performing a digital monetary transaction between a payer and payee comprising the steps of receiving a digital-cash value requested to be withdrawn from an account of a payer; generating a digital-cash code that is associated with the requested digital-cash value and communicating the digital-cash code to the payer; receiving the digital-cash value and the digital-cash code from a payee requesting to deposit the amount specified by the digital-cash value; comparing the received digital-cash value and the digital-cash code to confirm an association; and transferring funds of the amount specified by the digital-cash value to the payee. A system including a central digital-cash system and a network interface preferably can preferably operate the method.

Abstract: The present invention is directed at a system and method to rate lender profiles to determine the level of risk that is present in the loans originated or purchased by a particular lender will be based on a misrepresentation or as a result of material inaccuracies in the financial information provided by or on behalf of the borrower. The rating is preferably based on a variety of factors including at least one of, for example, prefunding controls, post closing controls, product mix, and/or loan source.

Abstract: In a computing system, information regarding a plurality of events that use a computing device is obtained, and a time-dependent increase in activity for each of at least some of the events is identified. An observed interest by a user in an event is correlated with an identified increase in activity for the event. Information about the activity at a time related to the event is provided for review by the user.

Abstract: A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

Abstract: The present invention provides a system and method to process items for sale or bid, to transmit electronic negotiations between prospective buyer and seller, and to verify the condition of the item before delivery to the buyer. The invention facilitates autonomous and remote negotiation between sellers and prospective buyers while protecting buyers from fraud and item misrepresentation. With the present invention, items can be sold individually and are not treated as standardized items that are interchangeable with similar commodity goods. The present invention also provides a waitlisting function. In addition, the functionality of traditional auction systems may be integrated with the novel features of the present invention. Furthermore, the present invention provides a system and method for conducting a reverse auction by allowing prospective buyers to list desired items.

Abstract: A communication system providing messaging services can have a receiving unit configured to receive a request to send a message, an authorization unit configured to authorize the sending of the message in response to the request, and a transmitting unit configured to transmit the authorization to send the message.

Abstract: Disclosed are systems, computer-readable medium and a method for delivering advertisements to user devices. The method includes storing first data associated with online and physical activity of plurality of customers, storing second data associated with current status of plurality of advertisers, matching a customer with an advertiser based on analysis of the first data and the second data and delivering an advertisement to a device associated with the matched customers online and physical activity. The on-line and physical activity is captured by a plurality of devices including a mobile device via a plurality of sensors.

Abstract: This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned on a portion of all of the account balances may be flexibly allocated according to customer instructions, and so that withdrawals are not limited. These objects are satisfied by holding client funds at interest-earning money market deposit accounts at one or more banks or savings institutions. More particularly, this invention provides methods for receiving client transaction information, determining a net transfer of funds into or out of each client account from transaction information, causing transfer of funds from the insured, interest-bearing deposit accounts to match the net transfer of funds into or out of each client account, and allocating interest earned by the deposit accounts to clients according to customer instructions.

Abstract: An apparatus and method for underwriting and/or rating an insurance policy, and for generating information for underwriting and/or rating an insurance policy, are provided. The system and method may include identifying a vehicle, determining a value of at least one vehicle history data variable or a group of variables, and underwriting and/or rating the policy based on the value of the at least one vehicle history data variable or a group of variables. The system and method may also include generating a score based on the value of the at least one vehicle history data variable or group of variables.

Abstract: An apparatus and method for underwriting and/or rating an insurance policy, and for generating information for underwriting and/or rating an insurance policy, are provided. The system and method may include identifying a vehicle, determining a value of at least one vehicle history data variable or a group of variables, and underwriting and/or rating the policy based on the value of the at least one vehicle history data variable or a group of variables. The system and method may also include generating a score based on the value of the at least one vehicle history data variable or group of variables.

Abstract: A method for facilitating donations to a charitable organization in which a first financial transaction involving property is linked to a second financial transaction involving a charitable donation. A fundraising program facilitates the transactions which directly contribute to affiliated charitable organizations. A property seller aligns with the fundraising program to list their property and selects a charitable organization to receive the donation. The fundraising program affiliates agent/brokers to sell the listed property. All fees and transactions are regulated through a title company at closing. The title company funds a commission to the agent/broker, a referral fee to the fundraising program, a nominal administrative fee to the fundraising program, and a percentage of the property's sale price to the charitable organization.

Abstract: An electronic transaction payment system is provided having a vendor terminal associated with a vendor who provides goods or services to a purchaser, a vendor smart-card and a vendor smart-card reader for transmitting data to and receiving data from the vendor smart-card. The system also includes a purchaser smart-card reader which is connected to the vendor terminal and which is operable for transmitting data to and receiving data from a purchaser smart-card. In operation, payment for goods purchased by the purchaser is made between the purchaser smart-card and the vendor smart-card. In a preferred embodiment, the payment data is encrypted using an encryption key specific to the transaction between the purchaser and the vendor. A third party registry terminal may also be provided for providing validation of the vendor and/or the purchaser.