251results about How to "Improve business satisfaction" patented technology

What is disclosed in this application is: an Internet payment system. An Internet payment system comprising a user device with a processor, Internet connection apparatus and an Internet browser. The Internet payment system also includes a participating merchant server supporting web pages on which product or service offerings are displayed in response to queries from the user device using the connections apparatus and browser. The merchant server interacting with the user device browser permits a user to select at least one offering and to indicate a method of payment, at least one method of payment being a transfer link. The Internet payment system also comprises a participating financial institution server maintained by a financial institution at which the user has a financial account. The server permits the user to gain direct access to his financial account. In addition, the Internet payment system includes a main transportation server to which both the user device and merchant server are connected in response to the user selecting the transfer link as the method of payment. The merchant server transmits information to the main transport server regarding payment required for the selected offering and the main transport server provides a selection of financial institutions from which the user can select an institute at which he has an account for payment for the offering. The main transport server transmits user inputs directly to the financial institution server to authorize payment to the merchant for the offering without storing the inputs.

A multi-tier data storage system includes a first data storage unit for storing recently loaded data files; a second data storage unit coupled to the first data storage unit for archiving data files residing on the first data storage unit for more than a predetermined period of time; and, a third data storage unit coupled to the second data storage unit, the third data storage unit caching files archived in the second data storage unit if the data file is unavailable on the first data storage unit.

The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

An online video advertising platform and marketplace. The present invention enables sellers to enhance the way they market products by providing them with a platform that uses location, images, product information, and Internet video. Because images and text are static and videos are dynamic, a seller can better represent their product and receive a better price and quicker sale as a result of the dynamic presentation. The marketplace uses both a database and “cloud computing” file storage system. So when a new user is created, there is both an entry in the database, and file structure with the username or other unique identifier in the file system. The database then stores pointers to these files. All listings are tied to a central product (listing) Id (PID). Videos can be searched for by both video and product related metrics. Videos file themselves are tagged with product metadata.

The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

It is necessary to completely remove overlapping of signals between plural PONs in order to make the PONs coexist. Accordingly, it is required to share or intensively manage bandwidth use conditions over an optical fiber that serves as a common band between plural systems. Therefore, transmission clocks should be synchronized with high accuracy between plural systems. A reference clock is provided from an external device or a representative OLT to the entire systems to perform clock synchronization between plural systems, so that the overall systems are synchronized by synchronizing each OLT with the reference clock. A hierarchical management method is selected that manages ONUs under the control of each OLT by managing band use information arranged for each OLT with respect to an external device or a representative OLT for sharing of bandwidth use conditions between plural systems.

An online business payment method that provides credit and cash flow management for at least one seller of products or services, at least one buyer of the products or services, and a financial institution via a business payment system accessible via a network connection. The method includes first establishing a credit line for the buyer by the financial institution. Next, placing a purchase order for a product or service by the buyer to the seller and entering a purchase order number into the business payment system. Next, accepting the purchase order by the seller and providing the product or service to the buyer. Next, sending an invoice by the seller to the buyer and entering the invoice into the business payment system against the purchase order number. Next, approving the invoice by the buyer, entering the approval into the business payment system and notifying the financial institution of the approved invoice by the business payment system. Finally, approving payment of the approved invoice by the financial institution and paying the invoice by transferring money from the buyer's credit line to an account of the seller. The seller sets a payment term for the invoice and pays a seller's fee to the financial institution upon receipt of the invoice payment. The seller's fee depends upon the invoice payment term. The buyer pays interest to the financial institution when the invoice payment term is not met. Access to the online business payment system is secure and selective access permissions are defined for each member.

A method and system for dynamic queuing utilizes a SIP messaging structure within a call center's architecture for interacting with a caller. The method and system can be used for ACD services developed for IP telephony using SIP as the signaling protocol. A SIP subscriber can also interact with an ACD system in the Public Switched Telephone Network (PSTN) work space. In the latter case, a PSTN-to-IP gateway carries the bearer path and call level signaling between the two spaces, and corresponding Computer Telephony Integration (CTI) signaling links are used for linking the ACD specific signaling between the two spaces.

A system for challenge-response authentication is provided by receiving, from an external terminal over a communication network, a request for access to a service. A plurality of objects is presented to a user via a display. A plurality of codes is received over the communication network, each of the plurality of codes corresponding to one of the plurality of objects. The plurality of codes are matched to a plurality of alphanumeric characters according to a predetermined table. An alphanumeric string is generated from the plurality of alphanumeric characters and the alphanumeric string is compared to a user identifier stored in a database. Based on the comparing, a determination is made as to whether to grant the user access to the service.

Systems and systems are disclosed for a portable device that employs voice recognition and/or encoding/decoding techniques which may be employed to gather, analyze and identify the media's content class, language being spoken, topic of conversation and/or other information which may be useful in selecting targeted advertisements. The portable device uses this information to produce dynamic research data descriptive of the nearby natural languages and/or content. Once the portable device has produced dynamic research data, it communicates any dynamic research data to a centralized server system server where the dynamic research data is processed and used to select the one or more most suitable targeted advertisement. The selected targeted advertisement is then communicated to and/or inserted in the ad delivery device. Alternatively, the portable device may communicate dynamic research data directly to the ad delivery device where multiple advertisements for one or more products in various languages are stored.

Systems, methods, machines and platforms are provided which detail a technique for utilizing a mobile social-business platform capable of building and managing a community of people so they can plan, coordinate and manage their lives in an efficient, social and financially beneficial way from a mobile device. Additionally, this application details a technique for building a network of select unique people's who will gain access to incentives from a vast combination of sources within their networks previously unavailable to them.

The present invention relates to a method and system using an online website that provides personalized and comprehensive fitness, nutrition, motivation, and training information to registered users, typically without directing them to other sites or requiring the purchase of products. The invention provides an interactive, easy to use, personalized homepage for each user. The user has access to selectable Modules focused on different areas of fitness which open within the personalized homepage to help them improve general fitness ability, strength, speed, agility and flexibility or aid in prevention of and recovery from injuries while providing nutritional guidance, injury prevention and treatment tips, and/or coaching instructions.