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Method and apparatus for analyzing data and advertising optimization

The most preferred embodiment of the present invention is a computer-based decision support system that includes three main components: a database mining engine (DME); an advertising optimization mechanism; and a customized user interface that provides access to the various features of the invention. The user interface, in conjunction with the DME, provides a unique and innovative way to store, retrieve and manipulate data from existing databases containing media-related audience access data, which describe the access habits and preferences of the media audience. By using a database with a simplified storage and retrieval protocol, the data contained therein can be effectively manipulated in real time. This means that previously complex and lengthy information retrieval and analysis activities can be accomplished in very short periods of time (typically seconds instead of minutes or even hours). Further, by utilizing the advertising optimization mechanism of the present invention, businesses, networks, and advertising agencies can interactively create, score, rank and compare various proposed or actual advertising strategies in a simple and efficient manner. This allows the decision-makers to more effectively tailor their marketing efforts and successfully reach the desired target market while conserving scarce advertising capital. Finally, the user interface for the system provides access to both the DME and the optimization mechanism in a simple and straightforward manner, significantly reducing training time.
Owner:CANNON MARK E

Consumer-directed financial transfers using automated clearinghouse networks

Consumer directed transfers of funds over the Internet are provided by a combination of systems and networks, including the Internet, email, and the Automated Clearinghouse system (ACH). A host system provided by a funds transfer service manages requests of senders to transfer funds and further manages responses of receivers to claim funds. The host system allows the sender to initiate the funds transfer by specifying the amount of the transfer and information for contacting the receiver, without the need to specify the account of the receiver for receiving the funds. Instead, the host system contacts the receiver and informs the receiver of the available funds; the receiver can then provide the necessary target account information for completing the funds transfer. The ACH is used to effect the transfer of funds, with the host system providing instructions for ACH entries to its financial institution using account information separately received from the sender and receiver. The credit risk associated with originating ACH entries is reduced by use of the Point of Sale system to verify sufficient funds in the sender's account by comparing the closing balance of the day the funds transfer is requested with the transfer amount. Sender fraud is reduced by comparing a sender provided balance (or check number/amounts) with an account balance acquired through automated means such as the POS system or ATM network.
Owner:INTUIT INC

Remote current sensor monitoring system and GPS tracking system and method for mechanized irrigation systems

A wireless interface remote monitoring system for self-propelled irrigation systems (center pivot and lateral move sprinklers) includes a remote terminal unit (RTU) mounted on an outer drive tower of the irrigation system. The RTU includes a radio transceiver capable of sending and receiving data packets over a satellite or terrestrial telemetry backbone to and from a central control computer. The RTU further includes a current sensor and a GPS receiver both for detecting movement or non-movement of the sprinkler, a microprocessor with nonvolatile memory for storing current data and GPS coordinate data from readings taken in series over time, and a pressure or flow sensor for detecting the presence or absence of water flow at the outer drive tower of the sprinkler. The current sensor connected between the RTU and a tower drive motor, allows the RTU to calculate the “movement” or “non-movement” of the irrigation system over a specified time period. Redundantly, the GPS receiver records changes in position to indicate movement or non-movement within the GPS error tolerance. Once a change from movement to non-movement or vice-versa is determined, the RTU transmits the data by satellite or radio telemetry to a central control computer which logs the movement or non-movement of the monitored drive tower, the GPS coordinate data and the water status readings, all with time and date stamp. The central control computer creates “page message” and “text message” updates as necessary on the status of individual irrigation systems and “groups” of irrigation systems that are in turn delivered to wireless devices and computers for sprinkler operators.
Owner:HAALAND KARLYLE
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