75349results about "Finance" patented technology

The present disclosure controls the network and manages resources for managing network assets through in a network-based supply chain framework. Network assets are available to network users. One user may submit information reguarding potential for growth, the capacity, or the technological level of one of the network assets. Another user may submit similar information about another network asset. Based on the information from the users, the system may determine the optimal set of network assets. When network events about the assets are recieved, the events can be filtered, correlated and isolated. These events can then be translated into a standard object form for facilitating the determination of the problem causing the network event.

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 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 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.

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.

A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files related to a level of risk or safety and other software that may be related to those files.

A multidimensional energy decision system, comprising a plurality of server systems, including at least a statistics server and an interface adapted to receive and send digital information from at least a client system, and further adapted to optionally communicate with the digital exchange via a packet-based data network, wherein the multidimensional energy decision system periodically optimizes operational parameters of client system for a specific time period and a specific energy asset from client system based on forecasted conditions, and directly, or upon decision confirmation from a client system, procures or makes dispatchable energy resources, related externalities, or related derivative financial products, available to a digital exchange or other parties, wherein upon the purchase of a listed asset by another party or across digital exchange, implements dispatch procedures to satisfy the issued contract and, optionally, provides monitoring and verification of performance, is disclosed.

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 system and method relates to the field of building and administrating a patient management and health care management database containing data relevant to the clinical care of patients, to the management of the practices to which the patients belong, and to outcomes of that health care and practice management. The disclosed system encompasses (i) designing and administering paper and pen and hand held computer survey instruments; (ii) administering and collecting completed surveys (iii) building and managing a database of information collected from the surveys; (iv) analyzing data collected from the surveys; (v) and providing clinical practices with summary information. Summary information may be used to improve patient care, health outcomes, and the management of physician practices.