Abstract: A system for providing an individualized health platform including a data and analytics system with patient records including a data structure having a top level problem view organized by health and care issues including current and past chronic and acute problems, a detail level problem view for each chronic and acute problem organized by each step in a diagnostic, treatment and management process, a top level status view of the health and care issues, a detail level status view of each health and care issue, and a patient's social and environmental health determinants, an adaptive knowledge engine for importing health and clinical data for analyzing the health records and assessing diagnostic, treatment, and management options, a terminal for interacting with the system, data collection devices coupled to the terminal, and a directory of vetted community and virtual-based social service organizations for addressing the social and environmental health determinants.

Abstract: A method of providing a user with an individualized health platform, includes collecting a user's health and care data, organizing the collected health and care data into a problem oriented health record, drafting health goals and a care plan for the user with the aid of a health coach, vetting the health goals and care plan using a data and analytics system to assure that the health goals and care plan are supported by peer reviewed health and clinical literature, producing individualized guidance options for addressing new acute or chronic issues, managing existing health issues, achieving the health goals, and adhering to the care plan based on the user's problem oriented health record, monitoring the user's achievements with respect to the user's health goals and adherence to the care plan, and providing additional guidance options based on the user's new health and care issues and the user's achievements and adherence.

Abstract: A method of providing a user with a dynamic, learning, integrated individualized health platform, includes collecting a user's health and care data, organizing the collected health and care data into a problem oriented health record, drafting health goals and a care plan for the user with the aid of a health coach, vetting the health goals and care plan using a data and analytics system that operates to assure that the health goals and care plan are supported by applicable peer reviewed health and clinical literature, producing individualized guidance options for addressing new acute and chronic health and care issues and for achieving the health goals and adhering to the care plan based on the user's problem oriented health record, monitoring the user's achievements with respect to specific steps for addressing new health and care issues and for the user's health goals and adherence to the care plan, and providing additional guidance options for new health and care issues and based on the user's achievements

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment at other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and the after the notification, payment between the buyer and seller is effected under the new terms.

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment at other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and the after the notification, payment between the buyer and seller is effected under the new terms.

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment at other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and the after the notification, payment between the buyer and seller is effected under the new terms.

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment at other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and the after the notification, payment between the buyer and seller is effected under the new terms.

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and after the notification, payment between the buyer and seller is effected under the new terms. In one implementation, a digital signature indicating acceptance of the new terms is received. Another embodiment of the invention is directed to a method of effecting payment that includes receiving requests to effect a set of transactions with a set of entities.

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment at other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and the after the notification, payment between the buyer and seller is effected under the new terms. In one implementation, a digital signature indicating acceptance of the new terms is received. Another embodiment of the invention is directed to a method of effecting payment that includes receiving requests to effect a set of transactions with a set of entities.

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and after the notification, payment between the buyer and seller is effected under the new terms. In one implementation, a digital signature indicating acceptance of the new terms is received. Another embodiment of the invention is directed to a method of effecting payment that includes receiving requests to effect a set of transactions with a set of entities.

Abstract: A reading or language interactive system which utilizes a mechanism to permit a computer-based instruction program in reading or language instruction to implement a shared reading program, wherein portions of the text are read by the student and portions by the computer itself. The proportion of the text “read” by each participant and the pace at which the lesson progresses can each be automatically altered based upon the proficiency of the student. In addition, the system utilizes a computer instructor to share the task of reading or language learning by modeling the task for the learner, variably controlling the amount of material that the student reads aloud based upon a computer assessment of the student's ability, helping the learner navigate through the instructional application, and participating in a joint performance that demonstrates the student's reading.

Abstract: A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and after the notification, payment between the buyer and seller is effected under the new terms. In one implementation, a digital signature indicating acceptance of the new terms is received. Another embodiment of the invention is directed to a method of effecting payment that includes receiving requests to effect a set of transactions with a set of entities.

Abstract: A reading or language interactive system which utilizes a mechanism to permit a computer-based instruction program in reading or language instruction to implement a shared reading program, wherein portions of the text are read by the student and portions by the computer itself. The proportion of the text "read" by each participant and the pace at which the lesson progresses can each be automatically altered based upon the proficiency of the student. In addition, the system utilizes a computer instructor to share the task of reading or language learning by modeling the task for the learner, variably controlling the amount of material that the student reads aloud based upon a computer assessment of the student's ability, helping the learner navigate through the instructional application, and participating in a joint performance that demonstrates the student's reading.