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5789 results about "Information exchange" patented technology

Information exchange or information sharing is the act of certain entities (e.g. people) passing information from one to another. This could be done electronically or through certain systems. These are terms that can either refer to bidirectional information transfer in telecommunications and computer science or communication seen from a system-theoretic or information-theoretic point of view. As, "information," in this context invariably refers to (electronic) data that encodes and represents the information at hand, a broader treatment can be found under data exchange.

Method and system for remote delivery of retail banking services

A practical system and method for the remote distribution of financial services (e.g., home banking and bill-paying) involves distributing portable terminals to a user base. The terminals include a multi-line display, keys “pointing to” lines on the display, and additional keys. Contact is established between the terminals and a central computer operated by a service provider, preferably over a dial-up telephone line and a packet data network. Information exchange between the central computer and the terminal solicits information from the terminal user related to requested financial services (e.g., for billpaying, the user provides payee selection and amount and his bank account PIN number). The central computer then transmits a message over a conventional ATM network debiting the user's bank account in real time, and may pay the specified payees the specified amount electronically or in other ways as appropriate. Payments and transfers may be scheduled in advance or on a periodic basis. Because the central computer interacts with the user's bank as a standard POS or ATM network node, no significant software changes are required at the banks' computers. The terminal interface is extremely user-friendly and incorporates some features of standard ATM user interfaces so as to reduce new user anxiety.
Owner:OFFICIAL PAYMENTS

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

Publishing layout wizard

InactiveUS6931591B1Expensive to maintainExpensive to updateCathode-ray tube indicatorsNatural language data processingGraphicsWeb browser
The present invention facilitates the specification and distribution of templated content materials by a content provider over an information exchange network such as the Internet. The present invention incorporates a system for managing inventories of graphical elements and their relationships to pre-defined page templates. A database capable of keeping track of users and their corresponding access privileges within the system is employed to monitor user activity. Ultimately, through the use of a software component delivered over the Internet for use within standard web browsers, end-users are able to populate templates under the constraints imposed by the rules of the manufacturers at the time of template design. These population elements which “fill in the blanks” of the pre-defined templates may be either of type IMAGE or TEXT. Image regions are populated by choosing from a subset of the entire image inventory, while TEXT types can be completely free form, with specific rules guiding justification, point size, font, and leading, or “fill in the blank” form with the same constraint rules as free form. Once the end user has met all of the criteria for a fully populated template, the system provides sophisticated means for downloading a high resolution file (such as a print-ready file or other file representation of the composed publication) which encapsulates all resources needed (layout, images, fonts, and constraint geometries) to fulfill the requirements of the publication. The downloaded file may be printed or published by electronic transfer, e.g., to a publisher for printing of the actual publication.
Owner:SAEPIO TECH

Group key distribution

A method for distributing a secret key from a key holder H to intended group members M. The method assumes that during the distribution process each party, a group member M and the key holder H, can decrypt and encrypt exchanged information such that the encrypter knows that the decrypter will be the intended party. The method preferably uses a public key / private key encryption technique in which, for example, a trusted Certificate Authority in a public key infrastructure signs the certificates to provide the public keys involved in the encryption. Alternatively, the method, together with a symmetric cipher, uses a shared secret, established in an authenticated mechanism that is outside the information exchanges of the invention. Additionally, the method uses a strong mixing function that takes several items of data as input and produces a pseudo-random authentication (or digest). Inputs to the mixing function include identity stamps that are generated by each member M and key holder H. These inputs can be the identity of the stamp generator, such as a network address, port, or protocol, a timestamp, and / or a secret value that is known only to the stamp generator. The stamps include information to bind member M if generated by key holder H, and to bind key holder H if generated by member M. Consequently, the invention authenticates each communication exchange between member M and key holder H.
Owner:CISCO TECH INC

Systems, methods and devices for trusted transactions

The invention discloses a system for enhancing trust in transactions, most particularly in remote transactions between a plurality of transactional parties, for instance a seller and buyer(s) of goods and/or services over a public computer network such as the internet. Trust is disclosed to be a multivalent commodity, in that the trust that is to be enhanced relates to information about the subject matter of the transactions (e.g., the suitability of the goods and services sold), the bona fides of the supplier of the goods and services, the appropriateness of a pricing structure for a particular transaction or series of transactions, a quantum of additional transactional value that may be imparted to the transactional relationship, security of information exchange, etc. An important contributor to trust for such aspects of the transaction is disclosed to be the use of highly-secure steganographic computer processing means for data identification, authentication, and transmission, such that confidence in the transaction components is enhanced. By providing an integrated multivalent system for enhancing trust across a variety of categories (for a variety of transaction species, including those in which the need for trust is greater on the part of one party than of another, as well as those in which both require substantial trust enhancement), the invention reduces barriers to forming and optimizing transactional relationships.
Owner:WISTARIA TRADING INC

Interactive computer program for measuring and analyzing mental ability

An interactive automatic system and technique for measuring and training of mental ability. In the illustrative embodiment, the invention is implemented on a computer which automatically presents a variety of visual and auditory stimuli. The system then measures reaction to the stimuli, adjusts certain stimulus parameters, and provides scores in response thereto. The scores are tabulated and displayed for analysis. In particular embodiments, the invention tests for physical reaction time, perceptual awareness thresholds, attention level, speed, efficiency and capacity of information processing by the brain and elementary cognitive processes, including memory, memory access and decision-making speed. The invention measures, identifies and quantifies noise in the subject's brain and elementary cognitive processing system, and the information exchange rate between the subject's left and right brain hemispheres. The inventive system compiles a history of the test scores, renders an overall performance rating, and delivers comments based on the subject scores. The complexity of the tests are adjusted based on the scores to optimally challenge cognitive capacities, thereby rendering more accurate evaluations of cognitive capacity, and optimizing learning of desired improvements in perceptual, physical and mental response speeds and efficiencies.
Owner:BCI

Vehicle collision prewarning method and apparatus

The invention discloses an early warning method and a device for vehicle collision. The early warning method is characterized in that the method comprises the following steps: after a vehicle is fired, colliding an early warning system to begin initializing each parameter, using an OBD information collection module, a sensor information collection module and a GPS information collection module to collect information of the vehicle, using an inter-vehicle information exchange module to collect peripheral vehicle information, sending the information of the vehicle to the peripheral vehicles, calculating individualized collision probability according to self state of a driver, and warning the driver; and the device consists of the OBD information collection module, the sensor information collection module, the GPS information collection module, the inter-vehicle information exchange module, an information exchange module in the vehicles, a collision detection module and a vehicle collision warning module. Each module exchanges information in the vehicle through a wireless local area network in the vehicle, does not change an electric line of the vehicle and does not increase wire harness inside the vehicle, and can effectively reduce occurrence of traffic accidents, so as to reduce casualties.
Owner:HUBEI UNIV OF AUTOMOTIVE TECH +1
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