9142 results about "Library science" patented technology

Rights management information is used at least in part in a matching, narrowcasting, classifying and / or selecting process. A matching and classification utility system comprising a kind of Commerce Utility System is used to perform the matching, narrowcasting, classifying and / or selecting. The matching and classification utility system may match, narrowcast, classify and / or select people and / or things, non-limiting examples of which include software objects. The Matching and Classification Utility system may use any pre-existing classification schemes, including at least some rights management information and / or other qualitative and / or parameter data indicating and / or defining classes, classification systems, class hierarchies, category schemes, class assignments, category assignments, and / or class membership. The Matching and Classification Utility may also use at least some rights management information together with any artificial intelligence, expert system, statistical, computational, manual, or any other means to define new classes, class hierarchies, classification systems, category schemes, and / or assign persons, things, and / or groups of persons and / or things to at least one class.

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 method and system is provided for storing and manipulating customer purchase information received from a plurality of sources. A computer system may be used comprising a storage device for storing the customer purchase information and a processor for processing the customer purchase information. The method may include receiving the customer purchase information; organizing the customer purchase information within a predetermined organizational structure; creating a customer preference based at least in part on the customer purchase information; and aggregating customer purchases for merchant classes based on the customer purchase information so as to generate aggregated customer purchase information. The method may further include generating marketing information based on at least one of the customer preference and the aggregated customer purchase information.

A method of managing documents related to a patent application. In one embodiment the method includes generating an invention disclosure from a first client system coupled to a server system over a first communication network, where the first client system is associated with a first technology developer; storing the generated invention disclosure in a database accessible to the server system; drafting a patent application for the invention disclosure from a second client system coupled to the server system over a second communication network, where the second client system is associated with a patent practitioner; storing the drafted patent application in the database; generating an instruction to file the patent application from a client system associated with either the technology developer or the patent practitioner; and receiving the instruction at the server system and causing the patent application to be filed in a patent office.

A system and method for building and / or manipulating a centralized medical image quantitative information database aid in diagnosing diseases, identifying prevalence of diseases, and analyzing market penetration data and efficacy of different drugs. In one embodiment, the diseases are bone-related, such as osteoporosis and osteoarthritis. Subjects' medical images, personal and treatment information are obtained at information collection terminals, for example, at medical and / or dental facilities, and are transferred to a central database, either directly or through a system server. Quantitative information is derived from the medical images, and stored in a central database, associated with subjects' personal and treatment information. Authorized users, such as medical officials and / or pharmaceutical companies, can access the database, either directly or through the central server, to diagnose diseases and perform statistical analysis on the stored data. Decisions can be made regarding marketing of drugs for treating the diseases in question, based on analysis of efficacy, market penetration, and performance of competitive drugs.

A system and method for creating a unified commercial real estate data model through collection, distribution and use of information in connection with commercial real estate and for creating a web-based marketplace that facilitates the efficient and secure buying and selling of commercial properties. The invention provides a digital marketplace in which the members of the commercial real estate and related business community can continuously interact and facilitate transactions by efficiently exchanging accurate and standardized information. The present invention also facilitates mortgage lending and provides enough information to allow lenders to underwrite a property. The present invention also provides a mobile data gathering and dissemination vehicle as well as a system tracking and dispatch of mobile vehicles. The present invention further provides correlation of data stored in a remote location to vehicle position in real time.

A computer-based customer tracking system uses a passive biometric identification for identifying customers. Neither the customer, nor any establishment personnel, are required to enter any informational data with respect to the customer; identification is done completely biometrically. Biometric identification information is sent to a central computer processor, which searches files in a library for matching biometric data. If no match is found, the processor opens a new file in the library, assigning a code or identification number to the file. Information with respect to the customer's biometric data, along with any transactional information, are stored in the file. If prior activity information stored in the file exceeds a predetermined level, information with respect to the customer's prior activity is retrieved from the file and sent to a terminal, preferably at the location of the transaction. Any new information from the transaction is then sent to the processor and stored for future access. The processor scans the files periodically, and deletes files for which the activity level in the file is below a certain predetermined level over a preselected time period. Deletion of inactive files precludes the processor memory from being overloaded with information which is not useful to the establishment, and also reduces the amount of time necessary for the processor to search library files for biometric matches.

A surrogate system for the transparent control of electronic commerce transactions is provided through which an individual without a credit card is enabled to shop at online merchant sites. Upon opening an account within the surrogate system, the account can be funded using numerous fund sources, for example credit cards, checking accounts, money orders, gift certificates, incentive codes, online currency, coupons, and stored value cards. A user with a funded account can shop at numerous merchant web sites through the surrogate system. When merchandise is selected for purchase, a purchase transaction is executed in which a credit card belonging to the surrogate system is temporarily or permanently assigned to the user. The credit card, once loaded with funds from the user's corresponding funded account, is used to complete the purchase transaction. The surrogate system provides controls that include monitoring the data streams and, in response, controlling the information flow between the user and the merchant sites.

A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.

A system for navigating an online information system is disclosed. Subscribers provide topic and action preferences to traverse to a customized content area in which related tasks may be completed. Customized content areas are reached after subscribers make three or fewer selections. Paths to customized content areas are similar for all combinations of topics and actions so subscribers learn quickly how to navigate to any area of the information service.

The method comprises processing plural product information records from the product information sources into one or more groups based on which product information records are likely to correspond to the same product, correlating a unique product ID corresponding to the product associated with each of said groups to identify the product, comparing each identified product to categories of a taxonomy to determine a category for the identified products in the taxonomy, and determining attributes for each categorized product based on the product information records corresponding to each group, creating product specifications based on the determined attributes and storing the product specification in the corresponding determined categories of the taxonomy.

An electronic book having various features for manipulating text or other information. The subscriber may highlight, cut and paste, copy and paste, and annotate information within an electronic book. A multiple page view feature permits the subscriber to simultaneously view any plurality of pages of an electronic book, and a multiple screen feature permits the subscriber to view one or more pages on a viewer having multiple screens. A picture-in-picture feature permits the subscriber to simultaneously view a page of an electronic book along with other content, such as a television program or information from another electronic book. The picture-in-picture feature may display an electronic book page as a main image wrapped around an inset image.

The invention concerns a system for managing resources, which can take the form of (a) computer-compatible information, such as data files and programs, and (b) non-computer-compatible information, as data contained on microfiche, and (c) physical objects. The resources are located at graphically diverse sites. The invention contains a descriptive profile for each resource, and allows any user to search all profiles, and to search the profiles according to "fields" (a database term), such as by location of the resources, or by category of the resources. The user can order delivery of a selected resource, and the system causes delivery of the resource to be executed, irrespective of the form (eg, physical object) of the resource. The invention allows a provider of a new resource to limit access to the resource, by identifying users who are authorized to obtain access to the resource. Non-authorized users cannot obtain access to the profiles of these resources.

A Web site is provided that contains an array of informative resources including for-pay services and extranet functions to serve consumers and traditional players in the financial services industry, including financial counselors, mortgage brokers, direct lenders, large national credit issuers, and third-party credit report re-sellers, plus information seekers such as the press, consumer groups, and government agencies. A primary focus is to educate consumers, consumer groups, and the consumer press by offering them access to the exceptionally high-quality information, both general and personal, about the practices of collection, storing, reporting, and evaluating consumer credit data.

Methods and systems for carrying out financial transactions include creating unique aliases for payment instrument having associated identification numbers, associating the created aliases to the payment instruments and enabling consumer use of the aliases to carry out financial transactions. Various special point-of-sale devices may be employed to carry out the financial transactions.

Embodiments of the present invention provide verification and / or authentication service engines that provide a customizable solution that can be “dialed” based on the risk level assigned to individual or grouped applications. The systems can also incorporate internal and external sources of data used to verify information provided by the user. It is dynamic and can pull information from a myriad of sources during the verification process, enabling credit reporting agencies (e.g., Equifax and others), FSPs, and other service providers to facilitate real-time approval and access to products and services.

A search system associates contextual metadata with search terms and / or stored terms to facilitate identification of relevant information. In one implementation, a search term is identified (4304) from a received search request. The search term is then rewritten (4306) in standard form and the standard form term is then set (4308) as the current search parameter. A source database is then searched (4310) using the current search parameter. If any results are obtained (4312) these results may be output (4320) to the user. If no results are obtained, a parent classification of the search term is set (4316) as the current search parameter and the process is repeated. The invention thereby provides the ease of use of term searching with the comprehensiveness of category searching.

The present invention discloses a method for providing presence information, a watcher, a presence server, a presence system and a presentity. It enables the provisioning of history and future presence information, while the prior arts can provide only presence information corresponding to the current time. The method provided by the present invention includes: setting time elements of presence information; recording relevant time information of presence information in the time elements; providing the watcher with presence information together with relevant time information.

In one embodiment, a ticket entry system and method include a program management system, a spatial management system, a data management system, and a user interface. The program management system receives contact information and a search criteria for a locate request. The program management system transmits the search criteria to the spatial management system. The spatial management system geocodes the search criteria and retrieves map data from the data management system corresponding to the search criteria geocode. The spatial management system transmits the map data to the program management system. The program management system transmits the map data to the user system and, in return, receives an indication of a site location where the operation is to be performed. The program management system transmits the site location indication to the spatial management system. The spatial management system geocodes the site location indication and transmits the site location geocode to the program management system. The program management system creates a locate ticket, which comprises the site location geocode and the contact information.

A purchase-transaction-settled online consumer referral and reward system and method using real-time specific merchant sales information is provided. The system offers merchants a one-stop place for freely publishing of their real-time and specific sales offers and offers a risk-free service to merchants to use, who will be charged only after a referred purchase occurs and a revenue income is made. The system also allows merchants to determine how much they pay to the service provider for each referred purchase transaction, based on their profit margin and market competitiveness and the system serves all merchants, online or offline, big or small, and regardless of buy, sell, and payment settlement technologies in use. The system also offers consumers a one-stop place for finding matching sales offers specifically meeting their needs, refers consumers to merchants to buy at existing merchant establishments and rewards consumers with each purchase transaction led from the service provider.

The present invention is related to a method for issuing a credit card to a customer in combination with providing credit management information services for the customer. Customers are solicited by various means and a credit account is offered to the customer. The exact terms of the credit account offered depend on the creditworthiness of the customer. The customer also receives credit management information services including information as to what actions the customer could take to improve the customer's credit rating and improve the terms of the credit account. After a credit account is issued to the customer, the customer receives additional and on-going credit management information services, including credit management information based on the customer's use of the credit account.

A method and system for providing integrated credit derivative brokerage services, the method or system including or using a credit trading arrangement, a credit trade capture arrangement, a trade management service arrangement to process trade data for the credit trading arrangement and the credit trade capture arrangement, and a central repository arrangement to store market data and shared reference data.

A method of viewing information associated with data in a spreadsheet, includes providing a document including data and information associated with the data, parsing the document to retrieve the associated information, processing the associated information to break the associated information down into at least one sentence, categorizing the at least one sentence to determine whether the at least one sentence corresponds to at least one category in a taxonomy corresponding to the data, assigning an association strength to the categorized at least one sentence, the association strength indicating a likelihood that the categorized at least one sentence actually corresponds to the at least one category in the taxonomy, filtering the at least one categorized sentence based on the association strength to determine whether to match the categorized at least one sentence with the at least one category in the taxonomy and outputting only the categorized at least one sentence matched with the at least one category in the taxonomy.

A computer system and method is disclosed for pre-qualifying vendors for buyers and / or industries using vendor criteria information associated with buyers and / or industries and vendor qualification information associated with vendors. Vendors and buyers enter the vendor qualification information and vendor criteria information, respectively, into a database in a hierarchical and relational manner. The computer system compares entered vendor qualification information to stored vendor criteria information to pre-qualify vendors for buyers and / or industries. The computer system further monitors the stored vendor qualification information and requests updated vendor qualification information from the vendors to maintain vendor qualification on a per industry and / or per buyer basis.

A system for managing documents, comprising: interfaces to a user interface, proving an application programming interface, a database of document images, a remote server, configured to communicate a text representation of the document from the optical character recognition engine to the report server, and to receive from the remote server a classification of the document; and logic configured to receive commands from the user interface, and to apply the classifications received from the remote server to the document images through the interface to the database. A corresponding method is also provided.