Abstract: A fashion product with a design pattern on a visible region. A hidden pattern different from the design pattern is further overlapped with the design pattern, and the hidden pattern is revealed in place of the design pattern by retroreflection of light toward a light source when light is directly irradiated by the light source.

Abstract: Embodiments of the present invention are directed to a system, method and apparatus for increasing transaction conversion rates for the purchase of goods or services. Embodiments of the transaction conversion system comprise an incentive apparatus, a membership database and a notification means, wherein the incentive apparatus comprises a database, an incentive selection means and a presentation means. The database contains a list of awards and a list of sources from which the set of indicia, or winning indicia can be found. The transaction conversion system presents an award to the user computer and the conditions for winning the award, wherein to be eligible to win, the user must complete a purchase transaction. The conditions for winning set forth by the incentive selection means requires the matching of the set of indicia to information located in the pre-identified source of information.

Abstract: Embodiments of the invention are directed to retention and conversion system for retaining existing members of a membership based program and encouraging new members to join the membership based program. In preferred embodiments, the system comprises an incentive program having an identifiable reward and an opportunity schedule, wherein the opportunity schedule sets forth the relationship between the membership type and extent of the opportunity to obtain the identified incentive Once a winning entry is selected, the identification of the winner is displayed in a restricted environment, wherein the winner must enter the restricted environment within a preset period of time to claim the incentive.

Abstract: The system comprises a database and a dispatcher engine. The database includes data for use in selecting an affiliate having maximum potential referral revenue generation, such as past revenue generation, user purchase history, affiliate website characteristics, user demographic data and affiliate conversion ratios. The dispatcher engine selects an affiliate website to maximize potential referral revenue generation based on data stored in the database and sends an advertisement for the affiliate to a web server for display.

Abstract: A server system comprises a database storing a list of disabled client device features authorized-to-be-enabled and an authorization client. The authorization client is communicatively coupled to the user database and to a client device. Further, the authorization client is capable to search the database to determine if a disabled feature is authorized to be used, and to send, to the client device, a command to enable the disabled feature if the client is authorized to use the feature.

Abstract: A system for selecting a credit card processor is communicatively coupled to at least two processors and a merchant. The system comprises a processing engine capable to receive an order from the merchant, select a processor from the at least two processors based on a plurality of criteria, send information associated with the order to a selected processor for processing, receiving a response from the selected processor, and sending the response to the merchant.