837 results about "Business transactions" patented technology

An in-vehicle device data communicates with global network based data processing resources for the purpose of transacting e-commerce and e-business. The in-vehicle device and the global network based data processing resources can effectuate a wide variety of e-commerce and e-business including accessing auto part databases, warranty, customer, and other remote databases. In addition, e-commerce and e-business transactions can include vehicle security and vehicle service management, data communicating Internet based radio, audio, MP3, MPEG, video, and other types of data. Furthermore, e-commerce and e-business transactions can include interactive advertising, promotional offers, coupons, and supporting other remote data communications.Furthermore, the in-vehicle device can also effectuate remote monitoring of vehicle performance, data communicating and accessing remote global network based content and data, and effectuating adjustments and control of vehicle operation. Remote monitoring and control of vehicle operation can be by way of a global network based data processing resources.

Apparatus and methods are provided for facilitating electronic commerce in an environment in which a service provider handles business transactions between registered users and participating vendors and shipping companies, wherein users may establish and manage primary accounts and sub-accounts to purchase goods and services from participating vendors' web sites.

The invention pertains to a method, online service, and system, for creating partnerships based on trust relationships over a public network, authenticating trade partners, infrastructure providers and collaborators to each other, and providing users with an environment suitable for conducting transactions requiring a high level of trust. A service according to the invention is a persistent authentication and mediation service (PAMS) which is provided as an on-line service. One embodiment is a method for conducting authenticated business transactions involving microprocessor equipped devices over the Internet comprising:A. providing an on-line authentication service available on the distributed network;B. authenticating a plurality of users to said on-line authentication service using a closed authentication system to produce a plurality of authenticated users; andC. connecting a group of at least two of said plurality of authenticated users under persistent mediation of said on-line authentication service, producing a connected group of authenticated users.

The system enables business people to understand the impact of business transactions, changes and events in real-time using advanced rules and analytics to filter, categorize and interpret the significance of streams of real-time information. Most business performance analysis today is done manually and this process is a time consuming and skilled task leading to a time delay in producing the analysis. This time lag between the transaction or event happening and being able to take action on the analysis is measured in weeks or months at many companies. By blending real-time information with historical data and performance goals, this system enables business users to assess business events and collaborate within teams to drive optimal business performance. Using forecasting techniques enables business managers to predict the likelihood of achieving a particular goal without relying on manual analysis by a skilled analyst. The system automatically updates the forecast based on real-time changing data, enabling the business manager to have an up to the minute and statistically valid projection of future business performance.

A web-based method and system that facilitates business transactions, including the raising of capital in global financial markets via the Internet is described. Users of the system design, structure, analyze and execute business transactions over the Internet. Users of the system described include issuers, financial institutions, intermediaries, other professional advisors (law firms, accounting firms, translation agencies, etc.) and end investors. A security means controls access to the system and restricts access to the system to only qualified users. Users of the system design and diagram a transaction structure, assign corresponding attributes to the structure design. The structure design and corresponding attributes are stored in a database. The transaction is posted as a notice or interest onto the system, wherein a user maintains the posting. A database of user and transaction information is compiled and maintained. The user profile is compared with the posted transactions to identify transactions of interest to a user. The transaction information is communicated to the user. The transaction is executed, including issuing new securities or buying or selling previously issued securities through an auction or trade process. The system provides users direct access to its community, which includes, but is not limited to, issuers, investors, intermediaries, and advisors such as law firms, consultancy firms, accounting firms, and translation agents.

An in-vehicle device data communicates with Internet based data processing resources for the purpose of transacting e-mail, e-commerce, and e-business. The in-vehicle device and the Internet based data processing resources can effectuate a wide variety of e-mail, e-commerce, and e-business including accessing auto part databases, warranty, customer, and other remote databases. In addition, e-mail, e-commerce, and e-business transactions can include vehicle security and vehicle service management, data communicating Internet based radio, audio, MP3, MPEG, video, and other types of data. Furthermore, e-mail, e-commerce, and e-business transactions can include interactive advertising, promotional offers, coupons, and supporting other remote data communications.The in-vehicle device can also include functionality for remote monitoring of vehicle performance, data communicating and accessing remote Internet based content and data, and effectuating adjustments and control of vehicle operation. Remote monitoring and control of vehicle operation can be by way of an Internet based data processing resource and can include engine control system programming and setting adjustment, vehicle monitoring, and transmission of vehicle telemetry and metric data. Vehicle telemetry and metric data can include global positioning system (GPS) data, vehicle operational data, engine performance data, and other vehicle data.The in-vehicle device can also wirelessly data communicate with a communication interface device (COM device) or an Internet appliance. Such COM devices or Internet appliances can data communicate wirelessly with an in-vehicle device and simultaneously data communicate in a wired or wireless mode of operation to Internet based data processing resources, and to other data processing resources.

An in-vehicle device data communicates with Internet based data processing resources for the purpose of transacting e-mail, e-commerce, and e-business. The in-vehicle device and the Internet based data processing resources can effectuate a wide variety of e-mail, e-commerce, and e-business including accessing auto part databases, warranty, customer, and other remote databases. In addition, e-mail, e-commerce, and e-business transactions can include vehicle security and vehicle service management, data communicating Internet based radio, audio, MP3, MPEG, video, and other types of data. Furthermore, e-mail, e-commerce, and e-business transactions can include interactive advertising, promotional offers, coupons, and supporting other remote data communications.The in-vehicle device can also include functionality for remote monitoring of vehicle performance, data communicating and accessing remote Internet based content and data, and effectuating adjustments and control of vehicle operation. Remote monitoring and control of vehicle operation can be by way of an Internet based data processing resource and can include engine control system programming and setting adjustment, vehicle monitoring, and transmission of vehicle telemetry and metric data. Vehicle telemetry and metric data can include global positioning system (GPS) data, vehicle operational data, engine performance data, and other vehicle data.The in-vehicle device can also wirelessly data communicate with a communication interface device (COM device) or an Internet appliance. Such COM devices or Internet appliances can data communicate wirelessly with an in-vehicle device and simultaneously data communicate in a wired or wireless mode of operation to Internet based data processing resources, and to other data processing resources.

A zero-footprint remotely hosted phone application development environment is described. The environment allows a developer to use a standard computer without any specialized software (in some embodiments all that is necessary is a web browser and network access) together with a telephone to develop sophisticated phone applications that use speech recognition and / or touch tone inputs to perform tasks, access web-based information, and / or perform commercial transactions. Some embodiments support concurrent call flow tracking that allows a developer to observe, using a web browser, the execution of her / his application. A variety of reusable libraries are provided to enable the developer to leverage well-developed libraries for common playback, input, and computational tasks. Embodiments support rapid application deployment from the development environment to hosted application deployment to the intended audience.

The delivery of a secure method and system of generating person to person, business to business, business to person and person to business transactions involving transfer of funds from one party (the purchaser) to a second party (the vendor). The functionality of existing credit / debit cards and the associated infrastructure is extended to provide a secure global mechanism for individuals / businesses to receive funds without revealing confidential information or having to become credit / debit accepting merchants.

A variable data business system and method provide improved production of documents in support of business operations. The system includes a server that stores business data and provides a network interface for access via a client browser. The system provides for entry, maintenance, and reporting functions of business data such mailing recipients, customer information, and business inventory. Interfaces are provided to access business data for the efficient design and production of personalized variable data documents. Themed promotional Internet websites are generated to complement themed promotional variable data document mailers. Automated electronic data gathering from third-party Internet information providers enhances the efficiency of business data collection and supports business transactions.

Methods and systems are provided for assessing the potential for fraud of an insurance claim. In some embodiments, request data may be provided to a computer system. In some embodiments, at least one fraud potential indicator may be assessed to the request data from at least one comparison of at least one request data element to at least one fraud model. In some embodiments, a fraud potential indicator may be an estimate of the potential for fraud in an insurance claim. In some embodiments, at least one fraud potential indicator for request data may be assessed based on at least one comparison of at least one request data element to additional insurance data. Some embodiments may include assessing at least one fraud potential indicator for request data based on at least one fraud potential indicator.

A framework, architecture, system and method are provided for reducing business transaction latencies thereby enabling an enterprise to run as a zero latency enterprise (ZLE). The present invention enables the enterprise to integrate its services, applications and data in real time. An enterprise running as a ZLE has a uniform global view of its past and current business transactions, including its customer interactions, internal business operations, supply chain management and more; and this uniform global view can be obtained from anywhere across the enterprise and be used for real-time decision making. Namely, an enterprise equipped to run as a ZLE is capable of integrating, in real time, its enterprise-wide data, applications, business transactions, operations and values. Consequently, an enterprise conducting its business as a ZLE exhibits superior management of its resources, operations and customer care.

A cashless business transaction system (e.g., a vending system, a material tracking system, or a highway toll system) incorporates a method and apparatus for transmitting a digital information signal. A signal generator (311) generates a constant frequency signal. A phase modulator (305) varies the instantaneous phase of the constant frequency signal to represent digital information, thereby producing a phase modulated signal (325). A tuned resonant circuit (307) filters and averages the phase modulated signal to produce a simulated FM signal, and transmits the simulated FM signal via its antenna (309). One such business transaction system (e.g., a vending system) incorporates such a transmitter to facilitate transmission of billing information from a device located within a substantially electrically shielded environment. Another such business transaction system preferably incorporates such a transmitter to facilitate half-duplex transmission of digital information regardless of whether or not the digital information is transmitted from a device located within a substantially electrically shielded environment.

Methods and systems for real-time management of sensor data, based on application level logic made available at the edge of the enterprise are disclosed. According to an embodiment of the invention, an intelligent data router is communicatively coupled to one or more data sensors and a data management server. In one embodiment, the intelligent data router executes application level logic encapsulating business rules to make real-time enterprise data decisions and execute business transactions.

In a campaign, a customer's file is reviewed to determine the offer or solicitation to send to the customer and the time such will remain open, and an e-mail message is sent to the customer that contains the offer or solicitation in text, a packet, or a URL address for a protected personalized web page (501). The packet may be opened on-line or off-line allowing the customer to provide information or terms that are subsequently sent to (505) the originator. Alternatively, such information is obtained via the protected, personalized web page to which the customer is referred. If the customer provides acceptable information and terms (510, 515), the transaction is completed (520).

A method and program product for providing paperless receipts for conducting business transactions. Biometric data and product specific identification information is collected with each purchase and included with an electronic receipt generated for each purchase. The collected product specific information may include product serial numbers for some products, all products or product valued above a minimum threshold cost. The biometric data may include a digital image of each purchaser. The electronic receipt may be passed directly to the customer.

The invention pertains to a method, on-line service, and system, for creating partnerships based on trust relationships over a public network, authenticating trade partners, infrastructure providers, and collaborators to each other, and providing users with an environment suitable for conducting transactions requiring a high level of trust. A service according to the invention is a persistent authentication and mediation service (PAMS) which is provided as an on-line service. One embodiment is a method for conducting authenticated business transactions involving microprocessor equipped devices over the Internet comprising: A. Providing an on-line authentication service available on the distributed network; B. Authenticating a plurality of users to said on-line authentication service using a closed authentication system to produce a plurality of authenticated users; and C. Connecting a group of at least two of said plurality of authenticated users under persistent mediation of said on-line authentication service, producing a connected group of authenticated users.

The present invention discloses a system and method for processing business transactions between trading partners using a central interactive platform. The processing may include comparing purchase order data and invoice data to identify matching information and non-matching information. If the information matches, the invoices are processed for payment. If the information does not match, the discrepancies are identified to the buying company or the selling company for resolution.

An in-vehicle device data communicates with Internet based data processing resources for the purpose of transacting e-mail, e-commerce, and e-business. The in-vehicle device and the Internet based data processing resources can effectuate a wide variety of e-mail, e-commerce, and e-business including accessing auto part databases, warranty, customer, and other remote databases. In addition, e-mail, e-commerce, and e-business transactions can include vehicle security and vehicle service management, data communicating Internet based radio, audio, MP3, MPEG, video, and other types of data. Furthermore, e-mail, e-commerce, and e-business transactions can include interactive advertising, promotional offers, coupons, and supporting other remote data communications. The in-vehicle device can also include functionality for remote monitoring of vehicle performance, data communicating and accessing remote Internet based content and data, and effectuating adjustments and control of vehicle operation. Remote monitoring and control of vehicle operation can be by way of an Internet based data processing resource and can include engine control system programming and setting adjustment, vehicle monitoring, and transmission of vehicle telemetry and metric data. Vehicle telemetry and metric data can include global positioning system (GPS) data, vehicle operational data, engine performance data, and other vehicle data. The in-vehicle device can also wirelessly data communicate with a communication interface device (COM device) or an Internet appliance. Such COM devices or Internet appliances can data communicate wirelessly with an in-vehicle device and simultaneously data communicate in a wired or wireless mode of operation to Internet based data processing resources, and to other data processing resources.

A system, method and computer program for ordering, paying for and delivering goods and services from a content provider to a user which assures the content provider that he will be paid and that assures the user that he will receive the content at an agreed upon price. Thus, this system, method and computer program facilitates business transactions occurring between parties who do not know each other by using a trusted third party to either take the user's order, deliver to the user's order, and / or bill the user the correct amount for the goods and services contracted for. This system, method and computer program relies on the Global System for Mobile (GSM) communications system to authenticate the user and provide algorithms and modules that are used to generate cipher keys and service responses so as to insure the content provider will be paid and that the user will not be overcharged. Further, these algorithms and modules are used to encrypt important information so as to prevent third parties from intercepting this important information. Five business model modules are detailed with numerous variations possible to accomplish the task of facilitating business transactions between parties that do not necessarily know or trust each other.

A method and program product for conducting business transactions and avoiding inadvertent overdrafts. First, the value of an intended purchase is estimated and an electronic receipt is generated for the estimate. An account identified for payment (e.g., a checking account or a credit card account) is analyzed for sufficient funds and, alerts may be provided whenever the analysis indicates that the account has insufficient funds. As a result of the alert, the purchase may be halted or another form of payment may be selected. Also, total in-store purchases may be estimated and other accounts may be analyzed to determine if, in addition to being overdrawn for the selected account, the transaction is over budget.

A protection system and associated method prevent the automatic crawler access to a company's web-based data, without impacting the ability of an interactive user, such as a consumer, to access the data and to conduct regular business transactions. In one embodiment, the protection system will not prevent the crawler from downloading data; rather, the data will be rendered non-extractable by the crawler. In another embodiment, the protection system will prevent crawler access to the data. To this end, the protection system uses any one or a combination of the following six transcoding techniques: Transcoding technique that changes the web page structure; transcoding technique that changes the web page content; transcoding technique that selectively changes web page variable names; transcoding technique that selectively converts text to images in the web page; transcoding technique that alters form values when executed; and / or transcoding technique that generates a substantial portion of, or the entire web page when executed.

A method and apparatus for encoding transactions for goods and services using an e-receipt is provided. A consumer and a merchant conduct a commercial transaction using a distributed data processing system. An electronic receipt is recorded on a removable storage medium at a first data processing system. The electronic receipt contains data concerning the commercial transaction. The removable storage medium is then read at a second data processing system. After validating the electronic receipt, another commercial transaction or another stage of the original commercial transaction may be performed. The electronic receipt may be validated for a warranty claim on goods or services subject to the purchase transaction, and the removable storage medium may be an optical card or a smart card, either of which is able to store thousands of e-receipts and other electronic documents related to a commercial transaction, with the integrity of each guaranteed through digital signature, digital certificate, etc.

A method and system is disclosed for monitoring an operation of a distributed data processing system. The system can include a plurality of applications running on a plurality of host processors and communicating with one another, such as through a message passing technique. The method includes steps executed in individual ones of the plurality of applications, of (a) examining individual ones of generated API calls to determine if a particular API call meets predetermined API call criteria; (b) if a particular API call meets the predetermined API call criteria, storing all or a portion of the content of the API call as a stored event; (c) processing a plurality of the stored events to identify logically correlated events, such as those associated with a business transaction; and (d) displaying all or a portion of the stored API call content data for the logically correlated events.

The invention relates to a method and system for authorizing a commercial transaction between a customer and a goods or service provider via an authorization service provider with authentication of the customer by comparing a biometric sample of the customer with a biometric model of the customer stored with the authorization service provider. The telephone link between the supplier and the authorization service provider is set up via a router which associates the real telephone number of the authorization service provider and the telephone number of the supplier with a virtual telephone number and transmits a code which is isochronously calculated by the router and the authorization provider with the aid of the same algorithm. The telephone link is accepted by the authorization service provider if the supplier is registered with the authorization service provider if the supplier is registered with authorization service provider under the transmitted number and if the transmitted code corresponds to the calculated code contained by said authorization service provider. An identifier and biometric code of the customer are transmitted to the authorization service provider in addition to the amount which is to be transferred. The transaction is initiated by the authorization provider if the correspondence between the biometric sample and the stored biometric model exceeds a predetermined thresh old value.

A computer program product is provided as a system and associated method for use with a web browser and an Internet, to improve the access security to a secure web site and to protect the user from undesirable hacking. The system presents a novel, secure, implicit log-off procedure in addition to the conventional express log-off and cookie termination. The implicit log-off procedure reduces the risks resulting from transiting to an insecure site while remaining logged onto a secure site. The system is comprised of a secured transaction protection module implemented on a business server that includes a security / identification module and a local database; and a notification module which is implemented on the user's browser. The system tracks the user's access state to the server, and issues a termination command shortly as soon as the notification module detects migration to another site or to an insecure page on the same site.

The present invention relates to a system and a method for carrying out personal transactions including financial transactions, e-mail transactions, and voice messaging transactions. A user of the system is issued a ten digit identification number in the form of a telephone number. The identification number may be the user's actual phone number or a pseudo phone number. The user is also assigned a PIN number which contains a single or multiple digit security element which allows the user to indicate a security problem and its nature by dialing the assigned PIN number and which allows the user to avoid tripping the security elements of the system by using a digit or digits other than that / those assigned as the significantly placed digit(s) in the PIN number. Access to the system is provided either by dialing a central telephone number or via the Internet.

A system and method for increasing the effective bandwidth of a communications network is provided by overlaying a “super” transport and caching structure over the conventional TCP / IP communications network, for example, the Internet, which increases the transfer rate of information in the communications network. The “super” transport and caching structure includes software or hardware or both added to at least two modules separated by a communications link in the communications network. The net result is that the users of the communications network have their time to access and / or retrieve information significantly reduced, and the communications network, particularly a large network, e.g., the Internet, becomes an efficient means of performing commercial transactions by both businesses and individuals.