Abstract: In both an on-line and a conventional auction, an auctioneer may encourage competitive bidding behavior through the provision of rewards to those bidders whose bids meet predetermined criteria. For example, a bidder may be rewarded if her bid exceeds a prior bid by a threshold value. An auctioneer may further discourage non-competitive bidding behavior by penalizing those bidders whose bids fall below predetermined standards.

Abstract: According to some embodiments, a supplemental product or service may be offered to a user during a transaction, either in addition to products and/or services the user is purchasing, or as a replacement to one or more of the products and/or services that the user is purchasing. The functionality may be implemented, for example, in a retail embodiment where a user is purchasing products and/or services at a cash register or other point-of-sale terminal. One or more embodiments may be implemented online where a user is purchasing products and/or services using a computer, terminal, telephone or other client or user device and accessing a World Wide Web site, online catalog, interactive voice response unit or system, etc.

Abstract: A virtual environment in which characters are able to engage in a variety of financial transactions is provided. Characters who are unable to fulfill their financial obligations may enter into bankruptcy. Bankruptcy contracts may identify various conditions which must be fulfilled by the character in order to get out of bankruptcy. While in bankruptcy, the player's avatar or avatar's may be altered to indicate to the player and/or others that the character represented by the avatar is in bankruptcy.

Abstract: Products and processes are provided in which an award for a commitment from an entity to post information, via a posting site, at or before a subsequent time is offered to an entity. In response to receiving the commitment, the award is provided to the entity.

Abstract: Products and processes are provided in which an award for a commitment from an entity to post information, via a posting site, at or before a subsequent time is offered to an entity. In response to receiving the commitment, the award is provided to the entity.

Abstract: Products and processes are provided in which an award for a commitment from an entity to post information, via a posting site, at or before a subsequent time is offered to an entity. In response to receiving the commitment, the award is provided to the entity.

Abstract: Products and processes are provided in which an award for a commitment from an entity to post information, via a posting site, at or before a subsequent time is offered to an entity. In response to receiving the commitment, the award is provided to the entity.

Abstract: Products and processes are provided in which an award for a commitment from an entity to post information, via a posting site, at or before a subsequent time is offered to an entity. In response to receiving the commitment, the award is provided to the entity.

Abstract: According to some embodiments, a central controller receives a selection signal indicative of acceptance of an installment plan offer for a purchase. The central controller determines an installment charge amount to include in at least two bills for a financial account. Thereafter, bills may be generated that reflect installment charges to be paid.

Abstract: The method and apparatus for administering a reward program includes a central controller that stores a series of registrations, each of which corresponds to a purchaser of a product. The central controller calculates a measurement of product success, such as the number of products sold or the market share of the product, and determines if the measurement is within a predetermined range. The central controller may determine if the number of products sold exceeds a predetermined threshold, and a set of registrations are selected as “early-adopter” registrations that thereby define a set of early-adopter purchasers. The central controller may select a set of registrations having ordinal positions within a predetermined range of positions, so that early-adopter purchasers are defined. If the measurement of product success is within the predetermined range, a reward, such as a refund or a free product, may be provided to each early-adopter purchaser.

Abstract: According to some embodiments, a central controller receives a selection signal indicative of acceptance of an installment plan option for a transaction. The central controller determines an installment charge amount to include in at least two bills for a financial account. Thereafter, bills may be generated that reflect installment charges to be paid.

Abstract: A system and method for a supplier to offer multiple products to a first person and multiple pre-owned products to a second person is disclosed.

Abstract: Products and processes are provided in which information is received about a post for an item to be sold. The information may include type data identifying the item for sale as being a specific type of item. Based on the received type data, a posting payment amount is determined.

Abstract: According to some embodiments, a supplemental product or service may be offered to a user during a transaction, either in addition to products and/or services the user is purchasing, or as a replacement to one or more of the products and/or services that the user is purchasing. The functionality may be implemented, for example, in a retail embodiment where a user is purchasing products and/or services at a cash register or other point-of-sale terminal. One or more embodiments may be implemented online where a user is purchasing products and/or services using a computer, terminal, telephone or other client or user device and accessing a World Wide Web site, online catalog, interactive voice response unit or system, etc.

Abstract: A method enabling a frequent shopper reward system capable of tracking performance data of a plurality of members or account holders linked to a single frequent shopper account.

Abstract: A method enabling a frequent shopper reward system capable of tracking performance data of a plurality of members or account holders linked to a single frequent shopper account.

Abstract: Products and processes are provided in which information is received about a post relating to an item to be sold via a posting site. A posting payment award is determined. The posting payment award may be determined by calculating a posting payment amount. The posting award is provided in the form of a prominent feature of the post on the posting site.

Abstract: Products and processes are provided in which information is received for a post relating to an item to be sold via a posting site. A posting payment amount relating to the post is determined. The posting amount is provided as a credit for purchases. For example, the credit may be a credit that is usable for purchases via the posting site.

Abstract: A system and method for a supplier to offer multiple new products to a first person and multiple pre-owned products to a second person are disclosed. The invention includes a method wherein the supplier receives a request from the first person for a first new product. After accepting the first new product, the supplier stores data identifying the first person and data relating to the first new product in a memory of a computer. Thereafter, the second person queries the supplier about a pre-owned product. The supplier searches the memory of the computer to determine whether the data relating to the first new product satisfies the second person's inquiry for the pre-owned product. If so, the supplier transmits an offer for a second new product to the first person based on the data identifying the first person. If the offer is acceptable to the first person, the supplier provides the second new product to the first person and the pre-owned product to the second person.

Abstract: Systems, apparatus, articles of manufacture and methods are provided for establishing (e.g., online) a buyer price for a first plurality of products. In one embodiment, the buyer price is lower than a retail price of the first plurality of products. A second plurality of products that the buyer has actually received during the subsequent transaction is determined. A penalty may be assessed if the first plurality of products does not correspond to the second plurality of products.