7432 results about "E-commerce" patented technology

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, 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.

The present invention provides for the management of user information of both site server and regular web site users. A site server is provided with information stored thereon including preferences, roles, and details related to users. A database separate from the site server is also provided. The database has information stored thereon including preferences, roles, and details relating to the users. An identity of one of the users is authenticated. A single interface is displayed which provides the user access to both the site server and the database upon authentication of the identity of the user. The user is allowed to view and change the information that is stored on the site server and the database and that is associated with the user. The single interface is tailored based on the information associated with the user.

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 system and method that uses internet content and / or content metadata as a means to establish social networks. Examples include linking internet users, searchers, viewers and / or listeners of the same and / or similar internet content to each other via a platform that enables any of the following in n-dimensional environments: social networking, communications, sharing, e-commerce, advertising, search, hosting and registry services, push and pull applications, anonymous communications, and rich presence.

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 personal communication and electronic commerce system for use by participating users and participating merchants in connection with incentive programs in the Network Economy. The system includes a cellular communication network that includes geographically spaced base stations that are linked to a fixed communication network. Users may have personal communication devices that can be used to allow a digital message generated on the personal communication devices by placing a call through one of the base stations and memory for storing a digital value corresponding to a monetary value. The personal communication device may also be used as a cellular position locator to determine one's geographic location and, if desired, to access information from a merchant information database containing information pertaining to a plurality of participating merchants located within the geographic territory covered by the cellular communication network. The merchant information may be stored on a database that is accessible by merchants so those merchants can add, delete or alter information contained in their respective listings. An incentive system is also provided for creating incentives for participating users to encourage. This computer implemented incentive program for encouraging certain participant actions includes a first reward program under which participants may earn points for certain actions and a second reward program through which the redemption rate associated with a particular participant is adjusted in response to certain participant action. The incentive program has a wide range of applications, including transportation, financial services and computer gaming.

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 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.

Various methods, systems and apparatus for associating fictitious user identities (e.g. screen names, user names, email addresses, handles, etc.) used in electronic communications (e.g. over the internet or mobile network via instant messenger, e-mail, social networks, ecommerce, auction websites, etc.) with real personal information (e.g. the true identity of an individual such as their name, address, credit score, driving record, mobile number, etc.) are disclosed. One such method may include discovering, verifying and storing real personal information, associated with fictitious user identities and email addresses. The method may further include allowing a remote user or service to submit a fictitious user identity and a query requesting real-user information associated with the submitted fictitious user identity. In one possible embodiment, a targeted-advertising service may utilize real user information, associated with a fictitious user name, to target advertisements at the user of the fictitious user name.

A content modification platform facilitates personalized presentation and interaction associated with content such as web content, document content, transactional content, multimedia content, and the like. The platform provides sharing of personalization features to facilitate developing a community view of content, such as the internet Menu features are configured to modify source content through simple commands such as add, delete, replace targeted toward content and links to content. The content modification platform is beneficially and effectively used in a variety of on-line content types, environments, transactions, business activity, e-commerce, stock trading, education, human resources and many others. By facilitating a user defining what relationships between and among content is important to them, a customized view of the internet can be presented to the user.

All-in-one wireless mobile telecommunication devices, methods and systems providing greater customer-control, instant-response anti-fraud / anti-identity theft protections with instant alarm, messaging and secured true-personal identity verifications for numerous registered customers / users, with biometrics and PIN security, operating with manual, touch-screen and / or voice-controlled commands, achieving secured rapid personal / business e-banking, e-commerce, accurate transactional monetary control and management, having interactive audio-visual alarm / reminder preventing fraudulent usage of legitimate physical and / or virtual credit / debit cards, with cheques anti-forgery means, curtailing medical / health / insurance frauds / identity thefts, having integrated cellular and / or satellite telephonic / internet and multi-media means, equipped with language translations, GPS navigation with transactions tagging, currency converters, with or without NFC components, minimizing potential airport risks / mishaps, providing instant aid against school bullying, kidnapping, car-napping and other crimes, applicable for secured military / immigration / law enforcements, providing guided warning / rescue during emergencies and disasters.

Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers / payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

The present invention is directed to a system and method for providing complete electronic commerce (“E-Commerce”) transactions and solutions for a marketing company's products via the World Wide Web, including facilities for signing up new customers and recruiting, training and supporting new Independent Business Owners through an interactive online process. In another aspect, the present invention relates to the combination of a marketing business with a membership buying opportunity using both electronic commerce and face-to-face transactions. The present invention is also directed to a system and method for combining a marketing business with a membership buying opportunity, so that Independent Business Owners participating in the marketing plan can introduce customers to a membership buying opportunity and earn bonuses or commissions based on the purchases by those members, while Members in the buying opportunity can consume products or, at their option, qualify to become Independent Business Owners.

A method, system and computer readable medium for, from a central Web site, performing at least one of registering a user at a destination Web site, logging in a user at a destination Web site and managing an online financial transaction at a destination Web site, including parsing a form Web page of the destination Web site to extract form data fields therefrom; mapping form data fields of a central Web site form to corresponding extracted form data fields of the form Web page of the destination Web site; and using the mapped form data fields to perform at least one of registering a user at the destination Web site, logging in a user at the destination Web site and managing an online financial transaction of a user at the destination Web site. In another aspect, there is provided a method, system and computer readable medium for managing an online or offline financial transaction of a user, from a central Web site, including generating financial transaction account information for a user based on existing credit or debit card information; gathering from the user one or more limits that are applied to a financial transaction performed based on the financial transaction account information; receiving from a source information indicating that an online or offline financial transaction using the financial transaction account information is in progress; applying the one or more limits gathered from the user to approve or disapprove the online or offline or online financial transaction that is in progress; and transmitting an approval or disapproval signal to the source based on a result of the applying step.

Method of and system for delivering consumer product related information to consumers over the Internet. The system and method involves creating an UPN-encoded Consumer Product Information (CPIR) enabling Applet for each consumer product registered within a manufacturer-managed UPN / URL database management system. Each CPIR-enabling Applet is encapsulated within an executable file and then stored in the UPN / URL database management system. Each CPIR-enabling Applet is searchable and downloadable by, for example, (1) retailers purchasing products from an electronic-commerce enabled product catalog, (2) advertisers desiring to link consumer product information to Web-based product advertisements, or (3) anyone having a legitimate purpose of disseminating such information within the stream of electronic commerce. After downloading and extraction from its encapsulating file, the CPIR-enabling Applet is embedded within an HTML-encoded document associated with, for example, an EC-enabled store, on-line auction site, product advertisement, Internet search engine or directory, and the like. Upon encountering such an Applet-encoded HTML document on the WWW, the consumer need only perform a single mouse-clicking operation to automatically execute the underlying CPIR-enabling Applet (on either the client or server side of the network), causing a UPN-directed search to be performed against the manufacturer-defined UPN / URL Database, and the results thereof displayed in an independent Java GUI, without disturbing the consumer's point of presence on the WWW. Preferably, the CPIR-enabling Applets are realized using Java(TM) technology, although it is understood that alternative technologies can be used to practice the system and methods of the present invention.

A system, method and article of manufacture are provided for demonstrating e-commerce capabilities on a network via a simulation. Data connectivity is provided over a network between a simulated user, a simulated product distributor, a simulated product vendor, and a simulated financial service provider. An electronic catalog is displayed over a network that shows a product for sale by the simulated product vendor. The simulated user is shown browsing the electronic catalog on the network. Further, a consultation over the network, relating to the product for sale shown in the electronic catalog, is depicted between the simulated user and the simulated product distributor. Selection of the product by the simulated user is illustrated. The simulated user is portrayed to authorize payment alter an on-line review of an account of the user.

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.

A methods, systems, device, network, platform and apparatus for enabling user to post structured updated status and / or requests based on inputting & selecting pre-created or updated or collaboratively updated generalized or standardized parts of structured updated status and / or requests including types of activities, actions, events, transactions, purposes, user actions, named entities, nodes, items, objects, fields, rules, syntax, locations, keywords, categories, date(s) & time(s) and enabling 115 sever(s) to receive, store, process structured updated status and / or requests and / or user data and / or automatically monitor track, record, store & process user's activities, actions, events, transactions, interactions, senses, behavior, communications, collaborations, sharing, participations, workflows, tasks & requirements and / or enabling to search, match, determine, select & present prospective, suggested, candidate, matched, relevant & contextual connections or connectable user(s) and dynamically presented or suggested or associated or attached links including link(s) of application(s), service(s), object(s), interface(s) & multimedia type(s) of content(s) to user(s) or entity / entities of network(s) and enable user(s) or entity / entities of network(s) to dynamically establishing connections and / or dynamically conducting one or more activities, actions, events, transactions including e-commerce transactions & deals, interactions, communications, collaborations, sharing, searching, presentations, participations, workflows & tasks with one or more selected user(s) or entity / entities of network(s) from presented prospective, suggested, candidate, matched, relevant & contextual connections or connectable user(s) based on provided or associated or presented or suggested one or more or group(s) of links of application(s), service(s), object(s), interface(s) & multimedia type(s) of content(s).

According the present invention, there is provided a method and system for facilitating an electronic commerce (e-commerce) transaction by a consumer, the method comprising: acquiring a purchase amount for an e-commerce transaction between a consumer and an Internet shopping portal; querying each of a plurality of consumer accounts for associated financial information; evaluating said associated financial information obtained for each of the plurality of consumer accounts; and facilitating a selection of one or more accounts based on the evaluation step to enable the consumer to complete the e-commerce transaction.

A personal communication and electronic commerce system for use by participating users and participating merchants in connection with incentive programs in the Network Economy. The system includes a cellular communication network that includes geographically spaced base stations that are linked to a fixed communication network. Users may have personal communication devices that can be used to allow a digital message generated on the personal communication devices by placing a call through one of the base stations and memory for storing a digital value corresponding to a monetary value. The personal communication device may also be used as a cellular position locator to determine one's geographic location and, if desired, to access information from a merchant information database containing information pertaining to a plurality of participating merchants located within the geographic territory covered by the cellular communication network. The merchant information may be stored on a database that is accessible by merchants so those merchants can add, delete or alter information contained in their respective listings. An incentive system is also provided for creating incentives for participating users to encourage. This computer implemented incentive program for encouraging certain participant actions includes a first reward program under which participants may earn points for certain actions and a second reward program through which the redemption rate associated with a particular participant is adjusted in response to certain participant action. The incentive program has a wide range of applications, including transportation, financial services and computer gaming.

The present invention provides for a method and system for measuring data quality of service in a wireless network using multiple peripatetic (i.e. mobile) and / or stationary, unattended, position, and performance instruments (PUPPIs) that are remotely controlled by a back end processor. In some embodiments of the invention, the data service whose quality is measured relates to wireless Internet access, e-commerce transactions, wireless messaging, or push technologies. In other embodiments of the invention, the system includes an element that is located within the wireless network infrastructure, for example, at the WAP gateway to monitor the wireless data protocol and to perform benchmarking measurements.

E-commerce which may include delivery of a good ordered or purchased over a network (e.g., the Internet) to a purchaser / user, and / or arranging for electronic payment of the good is accomplished while securing private and personal information of purchasers / users. Proxy software is provided for user computers, one or more proxy computers, or both, for users to communicate with vendors anonymously over the network, provide for delivery of an ordered good and provide for electronic payment, while securing the user's private information.

Systems and methods for communicating risk using token assurance data are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers / payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. An authorization request message can include a token assurance level code that is indicative of a token assurance level associated with a generated token. External or internal entities may use the token assurance level to evaluate risk associated with a payment transaction that uses the token.

Methods and Systems for Global Online Brands Social Networks (BSN) Platform and Framework are disclosed for managing Users' Profiles, brands group lists, Brand user Friends, User created Brand Networks and related Members, Publications, Applications, Services and Communications and Collaborations among users. Further, it also manages brand owners' brand networks and members, and brand experts to enable and facilitate users for branded products and services related sales or e-commerce, marketing, promotion and support services, alternative products and services brands lists. BSN also provides Social Customers Relationship Management (SCRM) and Multi Brand Customers Services Life Cycle (MCSLC) Framework to facilitate brand owners and customers.

A search and recommendation system employs the preferences and profiles of individual users and groups within a community of users, as well as information derived from categorically organized content pointers, to augment electronic commerce related searches, re-rank search results, and provide recommendations for commerce related objects based on an initial subject-matter query and an interaction history of a user. The search and recommendation system operates in the context of a content pointer manager, which stores individual users' content pointers (some of which may be published or shared for group use) on a centralized content pointer database connected to a network. The shared content pointer manager is implemented as a distributed program, portions of which operate on users' terminals and other portions of which operate on the centralized content pointer database. A user's content pointers are organized in accordance with a local topical categorical hierarchy. The hierarchical organization is used to define a relevance context within which returned objects are evaluated and ordered.

A technique for evaluating fraud risk in e-commerce transactions between consumer and a merchant is disclosed. The merchant requests service from the system using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used. The system performs analysis including data integrity checks and correlation analyses based on characteristics of the transaction. Other analysis includes comparison of the current transaction against known fraudulent transactions, and a search of a transaction history database to identify abnormal patterns, name and address changes, and defrauders. In one alternative, scoring algorithms are refined through use of a closed-loop risk modeling process enabling the service to adapt to new or changing fraud patterns.

Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.