54908results about "Buying/selling/leasing transactions" patented technology

Disclosed is a method and apparatus of securely providing data to a user's system. The data is encrypted so as to only be decryptable by a data decrypting key, the data decrypting key being encrypted using a first public key, and the encrypted data being accessible to the user's system, the method comprising the steps of: transferring the encrypted data decrypting key to a clearing house that possesses a first private key, which corresponds to the first public key; decrypting the data decrypting key using the first private key; re-encrypting the data decrypting key using a second public key; transferring the re-encrypted data decrypting key to the user's system, the user's system possessing a second private key, which corresponds to the second public key; and decrypting the re-encrypted data decrypting key using the second private key.

Rights management information is used at least in part in a matching, narrowcasting, classifying and / or selecting process. A matching and classification utility system comprising a kind of Commerce Utility System is used to perform the matching, narrowcasting, classifying and / or selecting. The matching and classification utility system may match, narrowcast, classify and / or select people and / or things, non-limiting examples of which include software objects. The Matching and Classification Utility system may use any pre-existing classification schemes, including at least some rights management information and / or other qualitative and / or parameter data indicating and / or defining classes, classification systems, class hierarchies, category schemes, class assignments, category assignments, and / or class membership. The Matching and Classification Utility may also use at least some rights management information together with any artificial intelligence, expert system, statistical, computational, manual, or any other means to define new classes, class hierarchies, classification systems, category schemes, and / or assign persons, things, and / or groups of persons and / or things to at least one class.

A system, method, apparatus and computer program product for providing location based functions and mobile e-commerce comprising a central processing unit including a processor, a storage device, and programming stored in the storage device, a display device, an audio input device, an audio output device, a communications module, a commerce module, an image module, and a location module. The programming controls the operation of the present invention to provide functions based on location data, to facilitate commercial exchanges by wirelessly exchanging payment and product information with venders, to identify services such as venders meeting selection criteria, to wirelessly exchange select information with other users and systems, to restrict and / or monitor the use of the device based on authorized user parameters, selecting one of a plurality networks through which to communicate, detecting a trigger for performing an action based on a change in location and sensed data, storing a voice annotation with a computer data file, determining service providers and associated communication parameters, contemporaneously maintaining a wireless voice and data link, providing a system for selecting and delivering mobile advertisements, and many other functions and services that are described herein.

A system for electronic commerce (10) having personal agents (12 and 13) that represent consumers and providers in a virtual marketplace (28). Consumer personal agents conceal the identity of the consumer and are capable of creating decision agents (14) that shop for products and assist consumers in comparing and ranking products. Provider personal agents are capable of creating demand agents (16) that quantify demand and target specific consumers without learning the identity of the consumers. Based on data generated by the activities of the decision agents and on preference data maintained by consumer personal agents, provider personal agents can quantify current, historical, and future demand, simulate demand, and target specific consumers for advertising and other messages. Provider personal agents can cooperate with consumer personal agents to collect data about reasons for sales and lost sales and to offer consideration payments to consumers. Consumer personal agents can automatically reject unsolicited messages that do not satisfy the consumer's preferences.

Documents and other items can be delivered electronically from sender to recipient with a level of trustedness approaching or exceeding that provided by a personal document courier. A trusted electronic go-between can validate, witness and / or archive transactions while, in some cases, actively participating in or directing the transaction. Printed or imaged documents can be marked using handwritten signature images, seal images, electronic fingerprinting, watermarking, and / or steganography. Electronic commercial transactions and transmissions take place in a reliable, "trusted" virtual distribution environment that provides significant efficiency and cost savings benefits to users in addition to providing an extremely high degree of confidence and trustedness. The systems and techniques have many uses including but not limited to secure document delivery, execution of legal documents, and electronic data interchange (EDI).

A method to automatically retrieve data associated with content. An identifier is read that is stored on electronic readable medium storing content. The identifier is used to search a database for data associated with the content. Data that is associated with the content is retrieved as guided by the database. And the data retrieved is used to create a version of the content for electronic distribution. In accordance with another aspect of the invention, a computer readable medium is described to carry out the above method.

A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.

A system, method, apparatus and computer program product for providing location based functions and mobile e-commerce comprising a central processing unit including a processor, a storage device, and programming stored in the storage device, a display device, an audio input device, an audio output device, a communications module, a commerce module, an image module, and a location module. The programming controls the operation of the present invention to provide functions based on location data, to facilitate commercial exchanges by wirelessly exchanging payment and product information with venders, to identify services such as venders meeting selection criteria, to wirelessly exchange select information with other users and systems, to restrict and / or monitor the use of the device based on authorized user parameters, to select one of a plurality networks through which to communicate, to detect a trigger for performing an action based on a change in location and sensed data, to store a voice annotation with a computer data file, to determine service providers and associated communication parameters, to contemporaneously maintain a wireless voice and data link, to provide a system for selecting mobile advertisements, and many other functions and services that are described herein.

A system and process that provides an on-line, interactive, and fully integrated benefit-driven value exchange and settlement program that monitors, evaluates, and manages economic and personal benefits and executes functions to produce and acquire the maximum or preferred benefit items for users by guiding and automating appropriate payment and settlement actions. The present invention finds useful patterns in data; produces conclusions based on rules and experience; responds to environmental changes with or without human intervention; and, may evolve through selecting the best results from random mutations all of which are intended to maximise user value.

A method is disclosed for automatically updating the status of customers' orders and shipments via electronic mail without using a human attendant to create and send the electronic mail messages. Preferably implemented in software, the updating method allows a large set of customers to be periodically updated over a computer or communications network via electronic mail. The method utilizes a database for maintaining order and shipping status and other relevant information.

A method and apparatus for providing personalized information content over telephones is described. The creation of a voice portal is supported by the invention. Embodiments of the invention use telephone identifying information such as the calling party's number to identify, or create, user profiles for customization. The personalized content is specific to that user based on her / his telephone identifying information and may be further customized based on the current time, current date, the calling party's locales, and / or the calling party's dialect and speech patterns. Also, the telephone identifying information may support targeted advertising, content, and purchasing recommendations specific to that user. The system may use a voice password and / or touch-tone login system when appropriate to distinguish the caller or verify the caller's identity for specific activities. Typically, embodiments of the invention will immediately present a caller personalized content based on her / his profile using the appropriate dialect as well as the caller's preferred content. Profiles can be constructed as the caller uses embodiments of the invention as well as through explicit designation of preferences. For example, as the user selects topics, as well as particular content, a record of actions can be maintained. This record of actions can be used to provide suggestions and direct the personalization of the system for the user.

A system and method for conducting a multi-person, interactive auction, in a variety of formats, without using a human auctioneer to conduct the auction. The system is preferably implemented in software. The system allows a group of bidders to interactively place bids over a computer or communications network. Those bids are recorded by the system and the bidders are updated with the current auction status information. When appropriate, the system closes the auction from further bidding and notifies the winning bidders and losers as to the auction outcome.

Systems and methods are provided using combined technologies for social networking interactions using tracking, predicting, and implementing online consumer communications, browsing behavior, buying patterns, and advertisements and affiliate advertising and communications, for online coupons, mobile services, products, goods & services, entertainment shopping, auctions, bidding, bidding behavior, bidding results for targeting and filtering of promotions, online coupons, mobile services, products, goods & services, penny auctions or online auctions, advertisements and affiliate advertising or services on a three dimensional geospatial platform using geospatial mapping technology, company-local information, social networking, and social networking communities (“PGS-GM-CL / I-SN”).

Customers often have access to multiple payment methods for any given transaction. In one embodiment of the invention, a merchant obtains information regarding multiple payment methods from a customer, and sends said information to a transaction evaluator. Via computer networks, the transaction evaluator sends information about the transaction to the issuers of one or more of the payment methods. The issuers perform a cost / benefit analysis of the transactions and respond with a description of the terms under which they are willing to process the transaction. Based on the issuer response, the transaction evaluator selects one of the payment methods. By enabling participating issuers to select favorable transactions and avoid unprofitable ones, the invention can thus improve issuer profitability by directing profitable transactions to participating issuers while directing unprofitable transactions away from participating issuers or to alternate transaction methods that are more profitable or less costly.

The methods and systems described herein relate to online methods of collaboration in community environments. The methods and systems are related to an online apparel modeling system that allows users to have three-dimensional models of their physical profile created. Users may purchase various goods and / or services and collaborate with other users in the online environment.

A comprehensive system effectuates global electronic commerce on the Internet across frontiers of nations, cultures, and languages. Referral Websites serving various locales offer Buyers the opportunity to view products for purchase. A Buyer selects categories of products for viewing by using drop-down menus that organize products into a clear taxonomy that can be expressed across all languages. Having selected a category of products for viewing, a Buyer receives, from a multi-version relational database, a version of marketing information about each product. The version is one automatically sent from the database to match the Buyer's language, culture, and nationality, as deduced from the use of a particular Referral Website. A shopping cart allows Buyers to select a product for purchase in an interactive way that encourages completion of the purchase. Products can be offered with custom options and in wholesale quantities. Personalized Web pages allow comprehensive customer service after a sale.

A multimedia production and distribution system collects or assembles a media production (such as, a news program, television programming, or radio broadcast) from a variety of sources, including television stations and other media hosting facilities. The media production is categorized and indexed for retrieval and distribution across a wired or wireless network, such as the Internet, to any client, such as a personal computer, television, or personal digital assistant. A user can operate the client to display and interact with the media production, or select various options to customize the transmission or request a standard program. Alternatively, the user can establish a template to generate the media production automatically based on personal preferences. The media production is displayed on the client with various media enhancements to add value to the media production. Such enhancements include graphics, extended play segments, opinion research, and URLs. The enhancements also include advertisements, such as commercials, active banners, and sponsorship buttons. An advertisement reporting system monitors the sale and distribution of advertisements within the network. The advertisements are priced according to factors that measure the likelihood of an advertisement actually being presented or viewed by users most likely to purchase the advertised item or service. The advertisement reporting system also collects metrics to invoice and apportion income derived from the advertisements among the network participants, including a portal host and / or producer of the content.

The ShopLive system supports existing merchants and malls to better serve customers by providing easy access to merchandise and sales assistance. The shopper accesses the ShopLive system through various portals. They can be a PC, Web TV, mall kiosk, store kiosk, mobile terminal, screen telephone or any other communication device capable of connecting to a communications network. When the shopper starts the shopping mission they can logon in or if already enrolled, they can use a password for a quick entry. They may chose to shop anonymously. A shopper can set up a shopping mission by defining class of goods, price, color and the like and set out to search for that either in their physical location or remotely. Once the items are located video cameras scan the merchandise to the shopper through the terminal. The cameras may be remotely operable to swing through different views to better display the goods. Or they can view items according to pre-determined scan patterns. Sound and other sensory stimulus such as tactile sensors may be used to enhance the shopping experience. The shopper may also ask for help from an assistant (SLA) that acts just like a sales person in a retail setting. This person can help select goods and can discuss the items selected. The SLA can also check product availability and help complete the purchase as in a normal sales transaction. Or, the shopper can use the ShopLive system to check out themselves. As the shopper moves through the shopping mission, they can add items to their electronic shopping cart and have a one-stop check out or they can check out with each merchant. The shopper is also entered into the available loyalty programs and presented with coupons and rebates. At the end of the shopping mission the shopper can either physically pick up the selections are arrange shipping. The ShopLive system supports multiple selling activities including auctions. It is also a rich data-base for merchants and allows targeted advertising. A live browser accesses the shopper to present sales and incentives to the customer. The ShopLive system connects the Shopper and the merchant to make the shopping experience more effective for both.

The present invention relates generally to a consumer interactive shopping and marketing system. The system includes a portable data terminal for communicating information over a communication network. The present system has aspects that may be used within a shopping establishment or at a user's home.

An energy distribution may include a server and one or more databases. The system may communicate with an energy provider to receive energy provider data, at least one information collector to receive information collector data such as individualized energy usage data, customer preferences, and customer or location characteristics, and the one or more databases for receiving data for optimization. The system may calculate a cost of service or avoided cost using at least one of the individualized energy usage data and a system generation cost at a nearest bus. The system may also forecast individualized demand by end-use, individualized demand by location, energy prices, or energy costs. The system may optimize energy distribution, energy use, cost of service, or avoided cost using the forecasted individualized demand by end-use, the forecasted individualized demand by location, the forecasted energy prices, and the forecasted energy costs.

The disclosure provides for creating a finalized document relating to a transaction. A buyer selects documents associated with a proposed transaction and indicates trade terms of an agreement relating to the documents selected. The trade terms are presented to a seller on an electronic form via an electronic document platform. The electronic form includes a combined purchase order proforma invoice, a transportation document, and a shipping document. The seller can amend the trade terms on the form, and each amendment creates a new version of the form. Negotiations of the trade terms between the buyer and the seller are conducted electronically and the negotiated fonn detailing the negotiation of the trade terms is generated and displayed electronically, also. A compliance check is performed and is triggered in response to a digital signature of the form. Payment is initiated to the seller after a verification of credit of the buyer.

A smart electronic receipt system that provides intelligent receipts, called Smart Receipts, that electronically document a transaction between two parties and maintains a persistent connection between the two parties following a successful online transaction. A Trusted Agent on the Buyer's client system creates an order record which is stored in a database on a Trusted Agent Server and starts the transaction process with the merchant. A Smart Receipt is delivered by a Smart Receipt Agent over a secure connection from the merchant to the Trusted Agent Server upon successful completion of a purchase and reflects the details of the transaction. It is stored in a secure database on the Trusted Agent Server and is made available to the Buyer (user) through a Trusted Agent located on his machine. The Trusted Agent Server compares the order record Limited Edition Digital Objects (LEDOs) stored in database with the Smart Receipt's LEDO to find the corresponding order record. The Smart Receipt provides the customer with detailed information about an online purchase in a standardized format. Hyperlinks embedded in the Smart Receipt enable the customer to access customer service and order status. The merchant may also embed addition-al services within the Smart Receipt, including special offers for future purchases. Offers provided in a Smart Receipt can be personalized to a user's preferences which are stored on the Trusted Agent Server. Each Smart Receipt is comprised of a chain of LEDOs with each LEDO object having a unique owner. A Smart Receipt is a dynamic entity and is continuously updated until the Buyer deletes it from the Trusted Agent Server.

A computer-implemented method and system for generating and displaying a calendar containing user-selected events from user-selected categories. A plurality of categories of events are provided. The user can select which categories are of interest, and then select individual events within those categories. Events are overlaid on a calendar unique to the user. Calendars may also be shared among a number of selected users, if desired. Online purchasing and related actions can be associated with each event.

Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and / or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by issuing a new stored value card or reloading funds onto a pre-existing stored value card.

Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet of a web merchant. In one such system, an internet consumer registers with a web merchant's exclusive or preferred electronic wallet (“merchant wallet”) and provides consumer information (e.g., credit card number, mailing address, and other information) to the merchant wallet, which is stored by the merchant wallet in a database on the merchant server. Such information may be automatically populated by the consumer's personal electronic wallet. The consumer maintains current consumer information in a consumer electronic wallet on the consumer's personal computer. When the consumer visits the merchant site again, and orders goods or services, the merchant's preferred wallet can be automatically updated by the consumer's electronic wallet if any of the data in the merchant's wallet has changed. For example, the consumer wallet examines the information in the merchant wallet to determine if the information in the merchant wallet conforms to the current information in the consumer wallet. If the information does not conform, the consumer wallet communicates the current consumer information to the merchant wallet.

A business method utilizing a system comprising one or more distributed computers, application software, off-the-shelf peripheral components including keyboard-and-mouseless data entry (KDE) devices, business processes, human and KDE device readable data, related information on removable data storage media or available from external databases, and existing communications systems for speeding and improving: 1) personal or business automation, efficiency and productivity, goal attainment; 2) improving, speeding and automating the person-computer interface; 3) selection, acquisition, and tracking usage of items acquired from an existing supply chain; 4) marketing items and retaining customers buying the products, controlling their usage, and disseminating information about the products.

Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system. According to one embodiment, a method of processing a payment transaction in a mobile commerce system can comprise receiving at a first acquirer system a communication from a point-of-sale (POS) device. The communication can be related to the payment transaction and can include information identifying a financial account from which a payment is requested. A second acquirer for authorizing the payment can be identified based on the information identifying the financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the financial account. An indication of whether the transaction is authorized can be received from the second acquirer system.