Abstract: Smaller investors can create and manage on a cost-effective basis a complex portfolio of securities using a mechanism that enables the investor to provide to the system the investor's preferences regarding his portfolio, to generate a portfolio, including fractional shares, that reflects the investor's preferences. The system then permits aggregation of the orders, and netting of orders, generated by multiple investors at various times during the day for execution. In addition, the structure of the computer-based system of the present invention allows its cost to be based on access to or usage of the system (such as a monthly fee) as opposed to by securities orders entered into the system as per common brokerage. The result is that the investor can create a portfolio of directly owned securities with attributes, such as diversification, similar to a mutual fund.

Abstract: The present invention is a method and apparatus for automatically managing a price of a product in a vending machine. The method and apparatus is disclosed for implementing dynamic price adjustments at various times including after stocking, after a sale of a product and at periodic intervals. The method generally includes the steps of updating inventory data, including a quantity of a product, accessing price management data associated with the product, and determining the price of the product. According to the method and apparatus of the present invention, the determined price of the product is based on the price management data and the inventory data. The determined price is then stored in a memory of the apparatus and displayed for customers. The apparatus may be a vending machine, a processing module within the vending machine, or an external module remotely transmitting the dynamically adjusted price to a vending machine.

Abstract: A personal communication and electronic commerce system for use by participating users and participating merchants in connection with incentive programs in the Network Economy. The system includes a cellular communication network that includes geographically spaced base stations that are linked to a fixed communication network. Users may have personal communication devices that can be used to allow a digital message generated on the personal communication devices by placing a call through one of the base stations and memory for storing a digital value corresponding to a monetary value. The personal communication device may also be used as a cellular position locator to determine one's geographic location and, if desired, to access information from a merchant information database containing information pertaining to a plurality of participating merchants located within the geographic territory covered by the cellular communication network.

Abstract: A system and method for applying a people network representation to aid contact between a member of an organization and a target individual selects a contact path between the member and the target supported by analysis of the level of interaction between members of the organization based on network communications of the organization. The people network of the organization is modeled. Level of interaction is analyzed using network communications that take into account the recentness and frequency of interactions, such as email, ICQ, or phone interaction. To contact a targeted individual, for instance such as to obtain expertise in a desired area, the model of the people network allows determination of a contact path between the member and target which improves the likelihood of obtaining the target's expertise. A contact path from a member may include a suggestion to contact the target through one or more intervening organization members.

Abstract: An approach for managing forecast data involving the use of a hierarchical data model to manage forecast data. Each user has forecast data and access is determined based upon the relationships between user and the hierarchical data model. Each relationship is defined by user attributes including a node assignment and primary and secondary forecasting depths for primary and secondary data hierarchies. Access to forecast data is provided by first identifying the user's assigned node in the user's primary data hierarchy and traversing to the relative primary forecasting depth with respect to the user's assigned node. Then the user's secondary data hierarchy is traversed to the absolute secondary forecasting depth. Generally, users are only permitted to change data only at their lowest level, although some users may be given privileges to override forecast data at other levels. A consensus mechanism is also provided for resolving conflict or inconsistencies in forecast data.

Abstract: A method and system providing automatic collection and updating of application usage on large number of electronic devices without user intervention. The electronic devices may be palm-sized computer systems, personal digital assistants (PDAs), or wireless telephones. On an electronic device, application usage statistics, for example, the number of times a user uses an application, are gathered and stored. Once gathered and stored, the usage statistics are transferred to a host computer, and subsequently to a server (alternatively, the electronic device can send the gathered statistics directly to a server). The server tabulates usage statistics gathered from a plurality of electronic devices and publishes the results. The users of the electronic devices that gather usage statistics can be compensated in a variety of ways (e.g., monetary, chances in a raffle, discounts on purchases etc.).

Abstract: The present invention is a method and apparatus for effectuating bilateral buyer-driven commerce. The present invention allows prospective buyers of goods and services to communicate a binding purchase offer globally to potential sellers, for sellers conveniently to search for relevant buyer purchase offers, and for sellers potentially to bind a buyer to a contract based on the buyer's purchase offer. In a preferred embodiment, the apparatus of the present invention includes a controller which receives binding purchase offers from prospective buyers. The controller makes purchase offers available globally to potential sellers. Potential sellers then have the option to accept a purchase offer and thus bind the corresponding buyer to a contract. The method and apparatus of the present invention have applications on the Internet as well as conventional communications systems such as voice telephony.

Abstract: Embodiments of methods, systems, and computer program products are provided that may facilitate selection of a job post site to which a job opening description may be posted. For example, a job post site may be selected by obtaining one or more job post site selection criterion. Multiple job post sites may then be ranked based on the selection criterion that has been obtained. Finally, the job post site may be selected based on the ranking of the multiple job post sites. Accordingly, an employer may define a job post site selection criterion that correlates with a specific type of job opening to select a job post site that may be more effective than other job post sites in recruiting employees for that specific type of job opening.

Abstract: The present invention is directed at systems and methods of inserting value into a customer account with a provider of goods or services. Methods may comprise distributing to a customer a bill pay card wherein the bill pay cards comprise information sufficient to identify the provider of goods or services, the customer, and the customer's account with the provider of goods or services; presenting the bill pay card at a point of sale (POS) location; reading or otherwise obtaining from the bill pay card the information thereon; receiving value from the customer; and crediting the value received from the customer to the customer's account with the provider of goods or services. Systems may comprise a bill pay card; a provider of goods or services; and a POS.

Abstract: A software-based, integrated member decision support system provides a method for corporations, insurance carriers, health maintenance organizations, physicians, physician groups, or other clients to efficiently provide medical, pharmaceutical, and health benefit advice and information for an enrolled population. The system contains one or more databases which include member profiles, clinical information and guidelines, pharmaceutical information and guidelines, health benefit information, and optional additional information. A caller establishes communication with the system, which directs the caller to an operator who provides the caller with medical, pharmaceutical, and/or health benefit advice based on an inquiry from the caller and the information stored on the system. The system may automatically alert the caller or the operator of important medical or pharmaceutical information.

Abstract: A system for tracking compliance to risk management policies for a given enterprise that provides risk status feedback on hierarchical managerial levels. The system notifies users of potential problems with non-compliance of enterprise policies set on a high level of enterprise management, and prompts the users to take steps to achieve compliance. The enterprise policies are designed to protect the enterprise from various forms of risk associated with enterprise activities. Accordingly, minimizing risk across enterprise operations, subdivisions, projects and applications produces an overall benefit of reduced liability or exposure to liability for the entire enterprise. A compliance status is provided by business groups at all levels of the enterprise, and consolidated for each management level to which the risk status is promoted.

Abstract: A facility for rewarding the provision of useful item reviews is described. The facility receives a plurality of item reviews, each from a source. The facility publishes each of the plurality of received item reviews, and assesses the usefulness of the published item reviews. Based upon this assessment of usefulness, the facility selects one or more of the published item reviews, and provides rewards to the sources of these selected item reviews.

Abstract: A system and method for forecasting the effects of a marketing decision on future sales by analyzing product sales strategies using archived sales data obtained from database files are disclosed. The database files may be validated so as to insure their integrity. An initial sales profile is used with a defined analysis period to calculate an adjusted weekly sales value and an uplifted sales value is found using a selected uplift percentage. A corresponding profit is calculated based on the uplifted sales value. The method may include risk analysis performed to yield comparative graphical data and to provide for refinement of the previous analysis.

Abstract: An improved supply chain management system and method is disclosed for assisting companies to improve the efficiency of supply chains. One embodiment includes a partial order planner to better handle the changes and uncertainties that inevitably occur in the real-world. One embodiment of the invention provides a supply chain management system that enables collaboration by exchanging business objectives and plans. An additional embodiment of the present invention includes an intent interpreter module that supports the implementation of intelligent decision support functionality in a graphical user interface.

Abstract: A system for deploying to a client accounting installation a general procurement and accounts payable application specifically configured for the client by an enterprise includes a database server for (1) maintaining on a storage device a database of templates describing procedures for assessing, preparing, developing, deploying and supporting the application, and for (2) serving these templates to team members operating web-enabled terminals for coordinating, recording and tracking team activities with respect to the application while generating a description for adapting a front end server and an accounting system server to the requirements of the client.

Abstract: Robust methods for determining an investment portfolio are based on investment parameters which are assumed to be error bounded rather than precisely known values. A confidence threshold is input based on the measure of confidence in the resulting worst-case portfolio performance that is desired by an investor. Using historical return data, a nominal value for the mean return for each asset, a nominal factor loading vector for each asset and a nominal factor covariance matrix are determined. Uncertainty sets, which define the region within which a parameter is statistically expected to reside are defined for the mean return vector, factor loading matrix and factor covariance matrix. The uncertainty sets are then applied to a robust investment problem of interest, based on investment objectives, such that the worst case market parameters reside within the applied uncertainty sets with a probability set by the selected confidence threshold.

Abstract: A method and apparatus for assigning a survey to a respondent are provided. According to one technique, a set of one or more screening questions are generated and provided to the respondent. Input data is received in response to the respondent answering the set of one or more screening questions. Based on how the respondent answered the set of one or more screening questions, it is determined which survey should be presented to the respondent. According to another aspect, the set of one or more screening questions is generated based on the target participation criteria that is associated with one or more active surveys.

Abstract: A system for deploying to a client accounting installation a general procurement and accounts payable application specifically configured for the client by an enterprise includes a database server for (1) maintaining on a storage device a database of templates describing procedures for assessing, preparing, developing, deploying and supporting the application, and for (2) serving these templates to team members operating web-enabled terminals for coordinating, recording and tracking team activities with respect to the application while generating a description for adapting a front end server and an accounting system server to the requirements of the client.

Abstract: Techniques are disclosed for performing free-time searches that exploit information of the type used with electronic calendars. By leveraging advanced calendaring system information and using location, other context information such as corporate policy, legal constraints, and technology constraints, and user-specific preferences to provide a complete picture of a person's availability, the functionality (and therefore the value) of scheduling systems in increased, resulting in an ability to schedule meetings with more accuracy and less rework. Various allowable participation types for meeting invitees may be specified, and each invitee's availability is determined accordingly. Location-sensitive travel times (including optional user-specific travel time adjustments) are used in preferred embodiments when in-person participation is required.

Abstract: An apparatus, method and program for user to contract a future education fee amount now and paying for the said education fees in the future. This is done by way of a contract agreeable between the institution and the user where the future fee is only payable if said user is being offered admission to the institution. The user in initiating this contract provides details of the amount that can be paid in the future for a specific course, past academic results, time to commencement, personal data, flexibility factor, the intended course etc. The responding institution will determine whether the presented merits a contract to fix a future education course fee today. If the institution should decide to offer this contract then a premium is calculated to secure this contract.