Abstract: A computerized marketplace for ratio-based derivatives is provided herein. A method implementing the marketplace includes the following stages: receiving a price query related to a selected derivative on two selected underlying assets, defining a ratio of their respective prices in a specified order, at a specified timestamp; applying a pricing algorithm to the query, to yield an ad hoc return or price of the derivative, relevant to the specified timestamp, wherein the price of the option (or return) is based on an estimated relative financial market performance of the selected underlying assets; and presenting the ad hoc price (or return) of the selected option, wherein at least one of: the receiving, the applying, and the presenting is executed by at least one processor.

Abstract: Apparatus for initiating a data session at a remote communication unit currently connected via a voice session, includes a cue unit for sending via the voice session to the remote unit a cue decodable as an instruction to start a data session, and an address unit for making data session address information, such as a URL, available to the data session. Thus a user is enabled to connect to a service via standard dialing and yet receive the required service in menu or graphic or other data format.

Abstract: A method and a system for providing configurable call progress tones in a telephony session by identifying a receiver of the telephony session, selecting a tone in accordance with the preferences of the receiver and providing a configurable call progress tone of the selected tone.