Abstract: A method, a system, and computer readable medium comprising instructions for message delivery security validation are provided. At least one authentication setting from an end user is received at a data collection system. A validation key is generated based on the at least one authentication setting. A message and the validation key are sent to a device of a recipient. The device of the recipient are automatically authenticated using the validation key. The message is delivered to the device of the recipient upon authentication.

Abstract: A method, a system, and computer readable medium comprising instructions for message delivery security validation are provided. At least one authentication setting from an end user is received at a data collection system. A validation key is generated based on the at least one authentication setting. A message and the validation key are sent to a device of a recipient. The device of the recipient are automatically authenticated using the validation key. The message is delivered to the device of the recipient upon authentication.

Abstract: A method, a system, and computer readable medium comprising instructions for message delivery security validation are provided. At least one authentication setting from an end user is received at a data collection system. A validation key is generated based on the at least one authentication setting. A message and the validation key are sent to a device of a recipient. The device of the recipient are automatically authenticated using the validation key. The message is delivered to the device of the recipient upon authentication.

Abstract: A method, a system, and computer readable medium comprising instructions for message delivery security validation are provided. At least one authentication setting from an end user is received at a data collection system. A validation key is generated based on the at least one authentication setting. A message and the validation key are sent to a device of a recipient. The device of the recipient are automatically authenticated using the validation key. The message is delivered to the device of the recipient upon authentication.

Abstract: A method of offering a user a plurality of scenarios under which to conduct at least one primary transaction involving at least one specific item, the specific item being one of goods and services, with each one of these scenarios entailing a corresponding cost to the user. The method can include at least the following. Communication is established via a communications device between the user and a system to facilitate the primary transaction. Primary transaction data is obtained relating to the primary transaction, with the primary transaction data including data representing an identity of the user and representing the at least one specific item. The user is offered a choice between at least two scenarios under which to conduct the primary transaction, determining costs of the transaction based on allowance of receiving offers of upsell transactions.

Abstract: Intelligent selection of items encoded onto portable machine-readable entertainment media comprises receiving at least one request from at least one given viewer related to obtaining at least one instance media for viewing and identifying the given viewer based on the obtaining of the at least one instance media for viewing.

Abstract: A system, method, and computer readable medium for authorization of independent agents for processing calls and distribution of calls to authorized agents are provided. An independent agent may purchase or otherwise acquire credits for leads related to commerce transactions. The credits may be maintained by a call center and accessed by a device responsible for routing calls to agents. Calls or other transactions leads may then be directed to the independent agent, and the independent agents credits may be deducted accordingly.

Abstract: Methods for providing an offer of an upsell item to users of a given self-service device, and systems and computer-readable media suitable for practicing the methods. The method can comprise enabling initiation of a given primary transaction between a given user and the given self-service device, with the given primary transaction involving a specific good and/or a specific service that is obtained using the given self-service device. The given user is identified, and the geographic location of the given user when initiating the given primary transaction is established. A second data element relating to the given user is obtained utilizing data representing the identity of the given user. The upsell item is determined utilizing, at least in part, the second data element and data representing the geographic position of the given user. The upsell item is then offered to the given user.

Abstract: In a remote communication environment, a method for real-time presentation of information to one or more users accessing one or more websites using an electronic communications device. Various aspects of the method comprise at least the following. Communication is established via the electronic communications device between the user and the website to conduct one or more primary transactions. One or more electronic identifiers associated with the user are obtained. One or more further or additional data elements related to the user are obtained from a third party using the at least one electronic identifier. Based at least on the electronic identifier and the further data element, the information is selected for presentation to the user in real time with the primary transaction. The information is presented to the user in real time with the primary transaction.

Abstract: A system, method, and computer readable medium for authorization of independent agents for processing calls and distribution of calls to authorized agents are provided. An independent agent may purchase or otherwise acquire credits for leads related to commerce transactions. The credits may be maintained by a call center and accessed by a device responsible for routing calls to agents. Calls or other transactions leads may then be directed to the independent agent, and the independent agents credits may be deducted accordingly.

Abstract: A method and system for processing a credit request from a credit/charge cardholder which automatically applies a rules-based decision process to determine whether to credit the cardholder's account, the amount of the credit, whether to do a chargeback to the merchant, and the amount of the chargeback. Individual issuing banks who issue credit/charge cards and individual merchants may specify custom rules which must be considered before a credit is issued and/or before a chargeback to the merchant is performed. The rules set forth the conditions under which the merchant will waive its right to prove the disputed transaction such that a chargeback is automatically issued to the merchant. For example, a merchant may specify that if the transaction is $20 or less, it will accept an automatic chargeback without the merchant's involvement and if the transaction is greater than $20, the merchant wants to receive notice of the dispute and the opportunity to prove or verify the authenticity of the transaction.

Abstract: Methods, apparatus, and computer readable media for linking a prepaid calling card account to a credit card account. The linkage can occur at the time of a transaction involving the credit card account, or when the credit card account is acquired, activated, or renewed. The method can include at least the following. At least one transaction can be executed using the credit card account as payment for the transaction, or the credit card account can be acquired, activated or renewed. A prepaid calling card account is associated with the credit card account, and information related to the new prepaid calling card account is provided to a holder of the credit card account. Various aspects of the invention also provide anti-fraud and credit card recovery capability based on the above teaching.

Abstract: A system, method, and computer readable medium for authorization of independent agents for processing calls and distribution of calls to authorized agents are provided. An independent agent may purchase or otherwise acquire credits for leads related to commerce transactions. The credits may be maintained by a call center and accessed by a device responsible for routing calls to agents. Calls or other transactions leads may then be directed to the independent agent, and the independent agents credits may be deducted accordingly.

Abstract: A system, method, and computer readable medium for providing management of electronic calendar appointments are provided. A database stores records of scheduled appointments of one or more users. The scheduled appointments may be displayed in a calendar view that includes scheduled appointments of the one or more users. A user may designate scheduled appointments associated with the user as private. The calendar system may then hide the scheduled appointments designated as private such that the private appointments are not displayed for view by other users. In another embodiment, a user may select multiple days for printing of scheduled events. In still another embodiment, a user may specify an interval for searching for a period of consecutive days during which the user does not have any scheduled appointments.

Abstract: A method of offering a user a plurality of scenarios under which to conduct at least one primary transaction involving at least one specific item, the specific item being one of goods and services, with each one of these scenarios entailing a corresponding cost to the user. The method can include at least the following. Communication is established via a communications device between the user and a system to facilitate the primary transaction. Primary transaction data is obtained relating to the primary transaction, with the primary transaction data including data representing an identity of the user and representing the at least one specific item. The user is offered a choice between at least two scenarios under which to conduct the primary transaction, determining costs of the transaction based on allowance of receiving offers of upsell transactions.

Abstract: In a remote communication environment, a method for real-time presentation of information to one or more users accessing one or more websites using an electronic communications device. Various aspects of the method comprise at least the following. Communication is established via the electronic communications device between the user and the website to conduct one or more primary transactions. One or more electronic identifiers associated with the user are obtained. One or more further or additional data elements related to the user are obtained from a third party using the at least one electronic identifier. Based at least on the electronic identifier and the further data element, the information is selected for presentation to the user in real time with the primary transaction. The information is presented to the user in real time with the primary transaction.

Abstract: A method of offering a user a plurality of scenarios under which to conduct at least one primary transaction involving at least one specific item, the specific item being one of goods and services, with each one of these scenarios entailing a corresponding cost to the user. The method can include at least the following. Communication is established via a communications device between the user and a system to facilitate the primary transaction. Primary transaction data is obtained relating to the primary transaction, with the primary transaction data including data representing an identity of the user and representing the at least one specific item. The user is offered a choice between at least two scenarios under which to conduct the primary transaction, determining costs of the transaction based on allowance of receiving offers of upsell transactions.

Abstract: In a remote communication environment, a method for real-time presentation of information to one or more users accessing one or more websites using an electronic communications device. Various aspects of the method comprise at least the following. Communication is established via the electronic communications device between the user and the website to conduct one or more primary transactions. One or more electronic identifiers associated with the user are obtained. One or more further or additional data elements related to the user are obtained from a third party using the at least one electronic identifier. Based at least on the electronic identifier and the further data element, the information is selected for presentation to the user in real time with the primary transaction. The information is presented to the user in real time with the primary transaction.

Abstract: A method of offering a user a plurality of scenarios under which to conduct at least one primary transaction involving at least one specific item, the specific item being one of goods and services, with each one of these scenarios entailing a corresponding cost to the user. The method can include at least the following. Communication is established via a communications device between the user and a system to facilitate the primary transaction. Primary transaction data is obtained relating to the primary transaction, with the primary transaction data including data representing an identity of the user and representing the at least one specific item. The user is offered a choice between at least two scenarios under which to conduct the primary transaction, with a first scenario providing that the user may conduct the primary transaction, or another transaction, at a first cost to the user in exchange for the user receiving at least one offer of an upsell transaction.

Abstract: In a remote communication environment, a method for real-time presentation of information to one or more users accessing one or more websites using an electronic communications device. Various aspects of the method comprise at least the following. Communication is established via the electronic communications device between the user and the website to conduct one or more primary transactions. One or more electronic identifiers associated with the user are obtained. One or more further or additional data elements related to the user are obtained from a third party using the at least one electronic identifier. Based at least on the electronic identifier and the further data element, the information is selected for presentation to the user in real time with the primary transaction. The information is presented to the user in real time with the primary transaction.