4732 results about "Purchasing" patented technology

A method and apparatus for providing personalized information content over telephones is described. The creation of a voice portal is supported by the invention. Embodiments of the invention use telephone identifying information such as the calling party's number to identify, or create, user profiles for customization. The personalized content is specific to that user based on her / his telephone identifying information and may be further customized based on the current time, current date, the calling party's locales, and / or the calling party's dialect and speech patterns. Also, the telephone identifying information may support targeted advertising, content, and purchasing recommendations specific to that user. The system may use a voice password and / or touch-tone login system when appropriate to distinguish the caller or verify the caller's identity for specific activities. Typically, embodiments of the invention will immediately present a caller personalized content based on her / his profile using the appropriate dialect as well as the caller's preferred content. Profiles can be constructed as the caller uses embodiments of the invention as well as through explicit designation of preferences. For example, as the user selects topics, as well as particular content, a record of actions can be maintained. This record of actions can be used to provide suggestions and direct the personalization of the system for the user.

A computer-implemented method and system for generating and displaying a calendar containing user-selected events from user-selected categories. A plurality of categories of events are provided. The user can select which categories are of interest, and then select individual events within those categories. Events are overlaid on a calendar unique to the user. Calendars may also be shared among a number of selected users, if desired. Online purchasing and related actions can be associated with each event.

The present invention relates to a music identification / purchasing system, specifically to a method for marking the time and the name of the radio station in portable device such as a key holder, watch, cellular phone, beeper or the like which will allow the user to learn via internet or regular telephone the name of the song, artist and / or music company by matching the stored data with broadcast archive. The system will allow for purchase of the full length of the identified music item or related music. An alternate embodiment provides the listener with convenient means to record a segment of the music in which he / she is interested. The recorded music segment is played back into an apparatus which can identify the song based on the play back and provide the user with information on the identified song such as title, singer or artist, composer, producer, etc., and provide related purchasing information. The user can make selections and provide payment data to the music identification / purchasing system which will result in the selections being delivered to the user by mail.

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

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.

In some embodiments, systems, methods, and / or articles of manufacture may determine a rewards group comprising at least a first member and a second member, determine a reward that the group may earn in exchange for completing purchases at a retailer or for performing a task. Embodiments may further comprise determining, based at least partially on a count of group members and a value of the reward, purchasing or task completion conditions the group must satisfy in order to earn the reward. Some embodiments may comprise providing the conditions to the group, determining an acceptance of the conditions by the group, and registering the group for the reward. According to some embodiments, the reward may be provided to the group (or portions thereof) upon a determination that the conditions are satisfied (or at least partially satisfied).

A system for conducting an agreement between two parties relying on a trusted a third party includes a first party generating a first view of the agreement and transmitting the first view of the agreement to the third party, a second party independently generating a second view of the agreement and transmitting the second view of the agreement to the third party, a wireless network connecting the first party and the second party, and a wired or wireless network connecting the second party to the third party. The trusted third party, receives the first view of the agreement and the second view of the agreement, verifies conditions including that the identities of the parties that transmitted the agreements and that the independent views of the agreement are consistent with each other, and takes action to execute the agreement if the conditions are satisfied.

Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.

Methods and apparatus that deliver a searching experience that is substantially akin to consultation with a human expert, and that satisfies a user's information need in fulfilling projects such as purchasing, shopping, procurement, bartering, requesting for quotes, in online retail, traditional retail, wholesale, health care, travel, real estate, restaurant-going, entertainment, logistics, and sourcing are disclosed. Search results often contain entities that provide services and products. Records being searched are associated with industry sectors in a broad sense. Industry sector information is first derived from a user query; and is used in determining relevant and adequate additional questions for a searcher, and in matching, ranking, and presenting search results.

A method, system, and apparatus are provided for allowing users to readily obtain information associated with a selected item from a remote location. More specifically, a user at the location of the first entity operates a portable imaging device to capture an image of identifying data, such as a barcode, that identifies a selected item. The captured image is then communicated to a server operated by a second entity that is different than the first entity to obtain item information (e.g., price, availability, etc.) associated with the selected item. The item information is communicated back to the portable imaging device for display to the user while the user remains at the location of the first entity. In other embodiments, the information extracted from the captured image may also be used to forecast future purchasing activity for the selected item.

Methods and systems for facilitating the selecting and / or the purchasing of items are provided. Items to be purchased may be clothing items. The use of a visualization pane comprising an avatar may be used to facilitate item selection. The avatar may represent a person such as a user and clothing items may be represented on the avatar so as to provide a preview of how the clothing items would look on the user. Searching for purchasable items may be done textually or visually using key images or by a combination of both. Key images selected from a dictionary of key images may to represent search criteria. Coupon offers may be presented to a user which may be redeemable instantly or later at a store location.

A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In various embodiments of the invention, at least one master account is established for a client. A pool of limited use account identifiers or secondary account identifiers, that are separate and distinct from the master account, is associated with the master account by a purchasing system or account management system. Each of the limited use account identifiers may be used by the client to purchase items from merchants.

A computer-implemented method for targeting marketing content to an online user, includes the steps of collecting data describing the user in a user profile, comparing the user profile with a target profile and presenting the user with content based on the comparison. The user profile includes a photographic likeness of the user, as well as information derived from the user's photographic likeness. Certain content may be dynamically created for the user based on the user profile and may include the photographic likeness of the user, which may be altered to incorporate a portion of the content into the photographic likeness. In this manner, personalized advertisements for cosmetics, jewelry, clothing and other items may be created. The user profile also includes data describing the user's browsing habits and responses to context-specific survey questions. In one embodiment, metrics are assigned to the user profile data, and a data index identifying the user's preferences and purchasing habits is calculated for the user based on the assigned metrics. Each metric may also have an associated confidence factor, which causes the metric value to decay over time.

A method for conducting a purchasing agreement for goods and services between a consumer and a merchant through a trusted a third party and using a wireless network includes generating, by the consumer, a first view of the agreement and transmitting the first view of the agreement to the third party, generating, independently by the merchant, a second view of the agreement and transmitting the second view of the agreement to the third party, and receiving, by the third party the consumer view of the agreement and the merchant view of the agreement, verifying identities of the merchant and the consumer and that the details of the independently generated views of the agreements are consistent and taking action to execute the purchasing agreement if the conditions are satisfied. The third party includes a Secure Transaction Server.

Systems and methods for tracking, differentiating and awarding loyalty credits to patrons of a gaming establishment are disclosed. Tracking can be facilitated by and loyalty credits can be stored on patron issued loyalty credit instruments such as printed tickets, magnetic-striped cards, room keys, portable wireless devices and smart cards. Loyalty credits can be awarded for and combined with other loyalty credits awarded for gaming activities involving wagers, game play, and possible monetary awards, as well as purchasing activities involving the procurement of food, lodging, entertainment, transportation, merchandise or services. Theoretical all expenditures profiles can be established for patrons based upon the gaming activities and purchasing activities of the patrons. Customized comps can be awarded on the initiative of the gaming establishment and without any specific request from a patron. Such comps can be based on tracked information on gaming activities and purchasing activities of the patrons.

Social media content items are mapped to relevant time-based media events. These mappings may be used as the basis for multiple applications, such as ranking of search results for time-based media, automatic recommendations for time-based media, prediction of audience interest for media purchasing / planning, and estimating social interest in the time-based media. Social interest in time-based media (e.g., video and audio streams and recordings) segments is estimated through a process of data ingestion and integration. The estimation process determines social interest in specific events represented as segments in time-based media, such as particular plays in a sporting event, scenes in a television show, or advertisements in an advertising block. The resulting estimates of social interest also can be graphically displayed.

A secure product purchasing system and method are disclosed to allow for online purchase of goods or services by means of a proprietary graphical or barcode-represented printed or on-line digital product code and details to be either sent to or discovered by a customer, so as to be scanned then paid for using a secure financial closed-loop proxy account and a pre-registered personal handheld mobile device where all funds within the account remain in an “inactive” non-usable state until activated and allocated only by the customer through the mobile handheld device, wherein the merchant is registered to the secure financial closed-loop proxy account.

The invention provides methods for facilitating a cooperative purchasing service. One method includes: providing a conditional purchase opportunity including a purchase threshold, providing information associated with the a conditional purchase opportunity to at least one display node, receiving a contingent purchase input from a user having a social network user profile, and associating the conditional purchase opportunity with the user profile. A further method includes: requesting cooperative purchase feed formatted content associated with a social network user account, receiving cooperative purchase feed formatted content including a cooperative purchase offer in response to the request, and providing the a cooperative purchase offer including a social network identifier, at a social network user interface. A further method includes: providing a feed formatted cooperative purchasing opportunity, receiving a request to send the cooperative purchasing opportunity to a associate, and Indexing the cooperative purchasing opportunity to an associate feed based on the request.

Disclosed is a remote lottery ticket purchasing or gaming event bet placement system using E-911 compliant cell phones. E-911 compliant cell phones provide the location of the caller, enabling the system of the present invention to determine in which jurisdiction the caller is located. The system further uses at least one identifier that the caller must provide, allowing an age check to be made. The use of both pieces of information, location and age, is used by the system to remotely purchase lottery tickets or make bets in full legal accordance with what is allowed in the caller's jurisdiction.

Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value (CVV) are disclosed. A credit / debit card is able to generate a dynamic card verification value (CVV). Such a card may also include an indication that the dynamic CVV is to be used as a security code for purchasing or other transactions. A card-based financial transaction can be authorized in accordance with the use of a dynamic CVV by receiving a transaction authorization request for a specific credit / debit card, wherein the transaction authorization request includes a dynamic CVV. The dynamic CVV can be compared to at least a portion of a one-time password generated for the specific credit / debit card, and a transaction authorization can be sent to the merchant or vendor when the dynamic CVV matches all or a portion of the one-time password.

Systems and methods are provided for combined social behavior tracking, online surveillance and web bot software technologies via a mobile device or computer for tracking online consumer behavior and data, cookies, embedded advertisements, predicting online consumer behavior, buying patterns by monitoring online activities, online communications, search inquiries, social networking, social plugins, social applications, advertisements, purchasing, behavior, and buying patterns, consumer address books and contact lists, blogs, chat rooms, friends, acquaintances and strangers, instant messaging, text chat, internet forum, service providers, travel and hospitality, real estate, educational services, ancillary services (as defined herein) and delivery system for behavior targeting and filtering of coupons, mobile services, products, goods and services, advertisements and service providers and related company information on a three dimensional geospatial platform using multi-dimensional and scalable geospatial mapping associated with entities providing and / or members of the service and / or social networking.

Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and underage gambling, and (3) helps to limit other abuses in areas of e-commerce that are perceived to pose special risks, such as Internet gaming, travel, and consumer purchasing of electronic goods. To accomplish the above goals, various embodiments of the financial transaction system (1) establish operating and transaction processing protocols for merchants, Internet payment service providers, acquiring banks, and card schemes and (2) provide automated systems for monitoring and securely processing payment and financial transactions.

A real-time transaction processing Consumer Products Distribution System (PDMS) reduces distribution costs, facilitates the distribution of products to consumers and makes online shopping practical. The PDMS integrates Collaborative Inventory Sharing, Order Aggregation, Consumer Predictive Purchasing, Product Transport Support Service, Display Shops, Uniform Consumer Preference Codes, Integrated Virtual Technical Support Centers, and other convenient features. Consumers purchase products through web sites of local and remotely located retailers preferably using Predictive Purchasing. The items purchased from multiple retailers are aggregated at a consumer selected Order Aggregation Site (OAS) based upon a consumer specified schedule. The consumer can pick up the aggregated orders at the selected OAS or have the aggregated orders delivered to a residence. Commercial carriers process consumer parcels at OASs where they are combined with Aggregated Orders for pickup or delivery. Consumers are given incentive discounts to promote the use of Predictive Purchasing, which significantly improves supply chain productivity.

A system and method for displaying still video images related to video content in an interactive broadcast television system. The system and method of the present invention may also be used for simulating an Internet home page on an interactive television system. The present invention thus supports hyperlinked web-like navigational capabilities in an interactive television system. According to the method of the present invention, the video delivery system provides or broadcasts one or more audio / video channels each comprising video content and also provides or broadcasts at least one still image channel comprising a plurality of still video images, preferably MPEG-2 compressed still images. The user or viewer can select options displayed on the television screen to view desired information. When the set top box receives user input selecting an option to view one of the linked still images, the set top box captures the requested image from the still image broadcast channel, stores the image in memory, and displays the captured still video image corresponding to the selection. The still image being displayed may have associated interactive program content for displaying further selections, wherein these selections may be for viewing other images or content, for ordering information, or purchasing products. The user can thus selectively navigate between the video content and stills in a web-like hyperlinked fashion. In one embodiment, when a user is navigating through still images, the television program or video content which was being viewed is displayed in a small window overlaid on the still image being displayed. Also, when the set top box captures a requested image from the still image broadcast channel, the set top box preferably also pre-caches or pre-loads other related still images based on the probabilty that these related images will be subsequently requested by the user. The invention also includes an embodiment which provides user requested still images "on demand" on a dedicated "search" channel.

A method and system for previewing accessories prior to purchasing is disclosed. In one embodiment a first image of a portion of a person can be provided to an input device. Then, a second image including an image of an accessory is selected from an electronic database of accessory images. After obtaining the first and second images, data of the first and second images are used to generate data of a composite image, preferably on a server computer. The composite image is displayed on an output device and includes an image of the accessory on the person. The input device, the output device, and the client computer can be located at a first location, while the server computer is located at a second location. In this image, the accessory can be previewed by the customer before purchasing the accessory. Preferably, the accessories include sunglasses, jewelry, eyeglasses or other personal fashion items, which are purchased over the Internet or at a kiosk in communication with the Internet.

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

A method and system are described for providing a streamlined method for using, for example, streaming media samples to promote and sell music, videos and related merchandise on the Internet in response to searches for entertainment related information. When a consumer enters an Internet search query that includes a Media Keyword, a corresponding media sample or sample set is identified for the consumer to select to receive as a stream or download onto the Consumer Device, along with search results pertaining to the requested information and purchasing options. The media sample or sample set is provided as a link in a web page containing search results generated for the consumer. The media sample link may be indicated on the web page as a preferred, personalized or sponsored search result.