Abstract: An electronic coupon communication system for generating and redeeming unique product discount coupons over public computer networks such as the Internet. The system comprises a first Internet node, an Internet coupon server and an Internet coupon notification center. The Internet coupon server generates a unique Internet coupon using a coupon generation process. The Internet coupon server accepts an on-line selection of one of the available unique Internet coupons from a user of the Internet node and transmits the coupon back to the user's printing device or e-mail storage. It then records the transaction in its coupon database and notifies the transaction to the Internet Coupon Notification Center. The Internet Coupon Notification Center subsequently records the transaction. Furthermore, a coupon redemption center can electronically verify coupon validity and record coupon redemption by communicating with the Internet Coupon Notification Center.

Abstract: A system and method are provided that, in the case of professionals having large numbers of publicly traded corporate clients, are able to use the relative probabilities of different ones of those clients suffering a professional liability triggering event and the likely relative impact of such an event on different clients, to provide professional liability coverage at either lower cost to the professional or higher profits to the provider. The right to deliver securities in the publicly traded client companies at any time during the coverage period, at the price in effect at the starting date, is secured. The covered professional or its insurer is granted the qualified right to sell those securities at the starting price. If the value of a company falls because of a professional liability triggering event, the covered party is allowed to exercise that right to sell.

Abstract: A charging method for use in an interactive on-line service where a server and terminals of users are mutually connected by a transmission medium, where a predetermined service is provided from the server to the terminals via the transmission medium, and where the fee for such service is collected from each user individually, includes the steps of opening, in the server, an imaginary account for a child of the relevant user with a limited maximum amount, and withdrawing from the imaginary account the fee for the service provided to the user's child. The server can provide a predetermined service to the relevant user's child within a range of the limited maximum amount preset in the imaginary account. When withdrawing the fee from the imaginary account, the server can restrict the service providable to the terminal.

Abstract: A system for the identification of medications in pill, capsule, tablet, and caplet for the system including the placement of machine scannable bar code symbols on the surface of the medication and the identification of the medication by use of the bar code. The resulting identification information can be analyzed by a computer program, permitting both a drug identification and verification method for use by a doctor, pharmacist, emergency room or other medical staff, paramedics, law enforcement personnel, patient and/or family members, or indeed anyone who may need to know a drug's identity, and a tracking system by inclusion of the identification data into an appropriate information database to monitor an individual's prescription drug consumption and to alert of potential harmful drug interactions.

Abstract: A method and apparatus is disclosed for interacting with a computer reservation system. The invention allows multiple sessions to be established with a computer reservation system simultaneously. When a command is received that requires multiple requests to a computer reservation system, a determination is made whether those requests can be processed simultaneously. If so, two sessions are established with a computer reservation system and a first request is made using one session while a second request is made using the other session. Datasets received in response to the requests are returned to the source of the command.

Abstract: The new method is particularly useful for inventorying frozen laboratory specimens such as found in a hospital or research center. The method includes placing a specimen at a primary location in a freezer, selecting an "identifier" unique to that specimen and displaying a symbol representing the primary location. More typically, both the storage system and the number of specimens are quite large and progressively-more-specific secondary, tertiary and even sub-tertiary locations will also be displayed. Removing the specimen from the compartment involves manipulating the freezer interface device, e.g., keypad and screen, to display at least the primary location. The user may manipulate by "scrolling" the screen or by entering certain specimen-identifying parameters such as a specimen description, the date of initial storage and others. An optional security arrangement can be incorporated and requires that persons attempting to place or remove a specimen must enter a personal identification number (PIN).

Abstract: A method for monitoring a region of a body surface includes recording at a first time a first multispectral digital image of the surface including the region, recording at a subsequent time a subsequent multispectral digital image of the surface including the region, and comparing the first and the subsequent images. Also, such a method in which the first and subsequent images are high magnification images, and further including recording low magnification images that include the high magnification images. Also, a method for forming a diagnostically useful classification of pigmented skin lesions includes using such a method to construct a database containing quantitatively extracted selected features from images recorded from a plurality of skin lesions, and correlating the features from each such lesion in the database with the medical history of the skin lesion from which the image was recorded.

Abstract: A method and apparatus for efficiently representing, maintaining and managing a project and enclosed lifecycles in a data processing system used to support a people-oriented work environment. An object-oriented language environment is utilized to represent projects, processes, states, transitions, users, roles, authorities, actors, members and activities as objects. Process, member, and authority objects inherit from project objects. State objects inherit from process objects. Transition objects inherit from state objects. Project and user objects inherit from actor objects.

Abstract: Data from a health care provider computer system is used to automatically request real-time electronic insurance eligibility verification information from health care insurance payors. A patient health insurance verification computer system is operatively connected to a patient registration computer system. The verification computer system obtains a data output stream such as a print image from the registration computer system. This data output stream is captured and broken down into separate data fields. The insurance carrier is determined, and the verification computer system determines which electronic data source to request patient eligibility data from. The verification computer system reformats the captured data to fit the data format required by the data source, establishes a communications link to the data source, and sends the reformatted data to the data source.

Abstract: A system for recordkeeping, comprising assigning a bar code label to material to be processed including information identifying the material and successively moving the material into a plurality of processing stations. At each station the bar code label is read, a second bar code label including information relating to a processing operation is assigned to the material, the second bar code label is read, a processing operation is performed in accordance with the second bar code label and a third bar code label is assigned to the material including information corresponding to results of the processing operation. The information from the first, second and third labels are stored in a main storage device.

Abstract: A electronic dealing system (EDS), implemented on a general purpose computer used in processing transactions, establishes, manages and updates values of credit lines not only between individual customers but also between groups of customers or between one customer and one group of other customers. Plural customers can be assembled as a subject, or home, group for whom a common credit line is set relative to other customers or customer groups; further, an individual customer or individual group of customers can assemble other, plural customers as an object, or opposing, group and for whom a common credit line is set.

Abstract: A system and method for forecasting future retail performance are described herein. The system includes a storage device that stores a sales history database, a weather history database, and a weather forecast database. An analyzer determines the extent to which past retail performance of a plurality of products at a plurality of locations was affected by weather using the sales history database and the weather history database. A configurator, coupled to the analyzer, estimates expected future retail performance of the products at the stores for a plurality of future time periods using the weather forecast database and results produced by the analyzer. A graphical user interface, coupled to the analyzer and the configurator, enables users to view and manipulate results produced by the analyzer and the configurator to thereby forecast future retail performance of the products at the locations.

Abstract: An electronic news translating and delivery apparatus translates the electronic news received via a network successively, and delivers the translated news to subscribers via another network. Specifically, the apparatus comprises a user manager including a register means to register news groups reserved by user, a translator which translates the articles in the news group registered in the register means of the user manager into a suitable form for the user, a translation manager to manage the translating of the news by the translator, and a delivery manager to deliver the news translated by the translator to registered users.

Abstract: Data processing for an improved securities brokerage/cash management system which supervises, implements and coordinates a composite account having a master account and one or more subaccount(s). The nested subaccounts incorporate a subset of features corresponding to the specific needs dictated by the purpose of the subaccount and thus streamline system operation for the recordkeeper.

Abstract: Verification information is provided with respect to a transaction between an initiating party and a verification-seeking party, the verification information being given by a third, verifying party, based on confidential information in the possession of the initiating party. On behalf of the initiating party, first and second tokens are generated, each of which represents some but not all of the confidential information. The first token is sent electronically via a nonsecure communication network from the initiating party to the verification-seeking party. The second token is sent electronically via a nonsecure communication network from the initiating party to the verifying party. Verification information is sent electronically via a nonsecure communication network from the verifying party to the verification-seeking party.

Abstract: A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides cardholder accounts for the first and second Internet users. When the second user sends the information product to the first user over the Internet, the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user. The front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product. The payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user.

Abstract: A scheduling computer system optimizes the match between allocation of processes and resources. To do so, the system temporarily allocates the resources to a process selected based on the attributes of the resources and the processes, as well as the processing start and desired processing end times. In doing so, the system avoids selecting processes to which resources have been already allocated. The system also determines a resulting time value and a resulting fitness value based on the temporary allocation. Using the resulting time value and the resulting fitness value, the system determines the optimum resource for a particular process and allocates the resource to the process accordingly. The system also generates a scheduling chart illustrating the resource allocation.

Abstract: A patient care and communication system which utilizes a central processing system and a plurality of remote stations electrically connected to the central processing system to facilitate audio, visual and data communications. The central processing system facilitates the audio, visual and data communications between the plurality of remote stations, and includes a system for determining which of the plurality of remote stations are transmitting the audio, visual and data communications and which of the plurality of remote stations are to receive the audio, visual and data communications. The central processing system also includes a system which establishes a communication link between the transmitting stations and the receiving stations. The remote stations include a processing system which also facilitates the audio, visual and data communications and a display for displaying the visual communications.

Abstract: A variable margin pricing system and method that generates retail prices based on customer price sensitivity. Products are grouped into pools from a first pool for most price sensitive products to a last pool for least price sensitive products. A logical relationship between margins and the customer price sensitivity is determined for the products. Based on this logical relationship and each product's pool assignment, the system and method calculate each product's margin and corresponding retail price. The method is also used to generate retail price labels having retail prices based on customer price sensitivity for the products to which the labels are to be affixed or located proximate.

Abstract: An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions based on learned relationships among known variables. The system may also output reason codes indicating relative contributions of various variables to a particular result. The system periodically monitors its performance and redevelops the model when performance drops below a predetermined level.