13204 results about "Operations management" patented technology

A nutrition and activity management system is disclosed that monitors energy expenditure of an individual through the use of a body-mounted sensing apparatus. The apparatus is particularly adapted for continuous wear. The system is also adaptable or applicable to measuring a number of other physiological parameters and reporting the same and derivations of such parameters. A weight management embodiment is directed to achieving an optimum or preselected energy balance between calories consumed and energy expended by the user. An adaptable computerized nutritional tracking system is utilized to obtain data regarding food consumed, Relevant and predictive feedback is provided to the user regarding the mutual effect of the user's energy expenditure, food consumption and other measured or derived or manually input physiological contextual parameters upon progress toward said goal.

CCRM is a business method and computer software system, to be used by Enterprises selling portfolios of products / services, aiming to optimize the expected value of transactions (or contracts) with consumers or business customers. At a transaction level, CCRM estimates the probability of choice of potential offers by the customer. These offers may be presented alone with possible variation of their attributes (such as price), or in combinations / sets, or in sequences. CCRM calculates the probability of consequent conversion and realization of the sale. Probabilities of choice and conversion are forecasted based on a disaggregated customer choice model, taking into account customer characteristics and stated preferences as well as product / service attributes such as price. Offers are then scored and ranked by expected value based on their revenue, cost and choice probability. Finally, CCRM recommends which offer(s) to present to the customer, at which price(s) and in which display / sequence order, to maximize a business objective function such as the expected value of the transaction / contract.

A player tracking system for tracking customer activity for a casino establishment having gaming sections and non-gaming sections. The player tracking system includes a plurality of player tracking cards for distribution to respective participating customers that incorporate respective customer accounts associated with respective customer IDs. The system further includes a plurality of gaming activity player tracking units positioned in the gaming section of the casino establishment proximate the gaming activity which cooperates with the player tracking cards to monitor the gaming activity data of the respective customer, and a plurality of non-gaming activity player tracking units positioned in the non-gaming section of the casino establishment proximate the non-gaming activity which cooperates with the player tracking cards to monitor the non-gaming activity data of the respective customer. A computer system includes a database of the respective customer accounts associated with respective customer Ids, and each gaming activity player tracking unit and each non-gaming activity player tracking unit coupled to the computer system to process the respective gaming activity data and non-gaming activity data for each respective customer.

The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.

A security system 63 and an electronic group 62 to be stored in a home network 6 are controlled by a home sever 61. A home network management facility 5 obtains status information showing the status of the electronic device group 62 from home server 61 when a user of electronic device group 62 operates a terminal 1 to make a request to home network management facility 5. Next, home network management facility 5 displays a screen for showing the status of electronic device group 62 on a display unit of terminal 1 based on the received status information, generates display information for displaying a screen for prompting input of a control instruction of the home-located electronic devices to the user on the display unit of terminal 1, and transmits the display information to terminal 1. And, home network management facility 5 performs remote control of electronic device group 62 based on the received control instruction via home server 61 when obtaining the control instruction from terminal 1.

A method and system for providing incentive programs over a computer network is provided in which a host may provide sponsoring companies with the capability to buy prepackaged or self-built incentive programs, offer such incentive programs to consumers, provide sponsoring companies and retailers with the capability to associate prizes with incentive programs, provide sponsoring companies, retailers and consumers with convenient fulfillment of prizes, and store and manipulate databases regarding all of the foregoing.

The invention provides systems and methods for facilitating the sale of commodity-like goods / services. The commodity-like goods / services at which the invention is directed, are of a type that are relatively indistinguishable from one brand, identity and / or outlet to another in end-use functionality and features. These types of goods / services are many times sold at retail under various brands or identities at multiple locations, to the final end user. Such goods / services may also or separately be of a type that are repeatedly purchased at intervals, and / or for which the price varies between purchases, from outlet to outlet or brand to brand. The goods / services may also be of a character such that they are not deliverable to the consumer, but require the consumer to travel to the retailer outlet. The system and methods also provide information relating to the consumers and competitors of a retailer of such goods / services. The invention establishes methods and procedures to define, organize, collect, distribute, and maintain information that can be used by the owner of a business selling commodity-like goods / services as well as by its customers. This information may include, but is not limited to, name brand of the product, location of the retailer, price of the product, other related goods / services available and their prices, and promotions. These processes may be performed and implemented on a computer network that is accessible in real time via a suitable communication device, such as a computer, wireless communication device, telephone or the like. A database of such information is created, allowing the consumer and other retailers to query the database using various search criteria. The consumer has the opportunity to obtain information about retailers of commodity-like goods / services that meet the consumer's requirements, and pricing may be guaranteed by the retailer.

A system, including a planning module, a control module and a receiver module, configured to schedule display of one or more advertising impressions of available advertising inventory. The planning module enables scheduling a requested quantity of advertising impressions in accordance with target criteria. Further, the planning module enables selecting an advertising impression goal for advertisement, assigning an advertising type and defining a weight for the advertisements. The control module receives the schedule, the advertising type and the defined weights and generates one or more metadata files that contain target criteria, advertising type and weights for the advertisements. The one or more metadata files, with the advertisements, are delivered to the receiver module that is configured to define a display frequency for the advertisements based upon one or more of the metadata files. The receiver module selectively displays advertisement content associated with the advertisements to achieve the advertising impression goal.

A nutrition and activity management system is disclosed that monitors energy expenditure of an individual through the use of a body-mounted sensing apparatus. The apparatus is particularly adapted for continuous wear. The system is also adaptable or applicable to measuring a number of other physiological parameters and reporting the same and derivations of such parameters. A weight management embodiment is directed to achieving an optimum or preselected energy balance between calories consumed and energy expended by the user. An adaptable computerized nutritional tracking system is utilized to obtain data regarding food consumed, Relevant and predictive feedback is provided to the user regarding the mutual effect of the user's energy expenditure, food consumption and other measured or derived or manually input physiological contextual parameters upon progress toward said goal.

A disclosed cashless instrument transaction clearinghouse includes a network interface allowing the cashless instrument transaction clearinghouse to communicate with a number of gaming properties and a processor configured to enable the validation of cashless instruments at a gaming property different from where the cashless instrument was generated. Methods are provided at the cashless instrument transaction clearinghouse and at the gaming properties that enable cashless instrument transactions across multiple gaming properties including multi-site promotions. In addition, methods are provided at the cashless instrument transaction clearinghouse that allow 1) a transfer of resources from an account at a first gaming property to an account or device at a second gaming property, 2) account information access, 3) generation of cashless transaction threads comprising a plurality of related cashless transaction, 4) awards and services based upon properties of a cashless transaction thread and 5) local resource accounts maintained at the clearinghouse.

A system and method for incentivizing holders of financial accounts, e.g., credit card account holders, to engage in certain activities with those accounts. Account holders may be provided an up-front incentive based on a commitment to engage in certain account activities in the future. If the account holder fails to satisfy his commitment, at least a portion of the value of the incentive may be charged to a customer account. Rewards provided to an account holder to encourage particular account activities also may include merchandise rewards, discounts and rebates or entries into a lottery type drawing for prizes.

Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs include the size of the consumer's spending wallet over a particular time period, the total number of the consumer's revolving cards, the consumer's revolving balance, the consumer's average pay-down percentage for revolving cards, total number of the consumer's transacting cards, the consumer's transacting balance, a number of balance transfers transacted by the consumer, the total amount of the consumer's balance transfers, the consumer's maximum revolving balance, the consumer's maximum transacting balance, the consumer's credit limit, size of the consumer's revolving spending, and the size of the consumer's transacting spending.

Exemplary embodiments of the present invention provide a method of health insurance market risk assessment including receiving first data including demographic and cost data for members of a health insurance plan in a current market, receiving second data including demographic data for the current market, and receiving third data including demographic data for a new market. The first to third data are used to transform a distribution of the plan members to account for differences between the current and new market demographic data and to estimate probabilities of enrollment in the new market. A statistical model is learned to predict risk in the new market using the transformed distribution and the estimated probabilities. The statistical model is used to determine risk of entering the new market.

A high performance capability assessment model helps a utility industry business meet the challenges of the global marketplace. As a result, the utility industry business can achieve the clarity, consistency, and well-defined execution of core processes that reduce inefficiencies and waste that result from unnecessary process complexity and exceptions. In addition, the high performance capability assessment model helps the utility industry business to identify specific areas in which improvements may be made and understand how to make the improvements, and establishes levels of capability along the way to reaching an ultimate capability goal.

The present invention sets forth a system, method, and computer program product for automating an interaction between a buyer and an electronic, variable, dynamic pricing online auction service. The method can include receiving a registration of a buyer at an Internet enabled buyer bidding site, a portfolio, and account information. The method can also receive entered information about financial transaction instruments, contact information, and product preferences in an auction profile. The method can receive a search query for a desired product from product auctions of a plurality of auction sites and can use a search agent or a meta-search agent, and can provide returned auctions, including retrieving and presenting current status of product auctions. The method can receive a selection of returned auctions to store in the portfolio for tracking by scan agents and for bidding by bid proxies. The method can receive selections of product auctions of the returned auctions and place the product auctions into the portfolio for use by a cascaded bid proxy. The method can provide auction monitoring by scan agents of temporal progression of product auctions, and can notify someone via a messaging center of any changes in relevant aspects of the status that could prevent an initial bid from being placed by a bid proxy. The method can enable activation of bid proxies as an auction nears completion to begin placing bids until the auction is won or lost by auction closing and can confirm a counter-offer has not out-bid. The method can compute and execute another higher bid if a counter-offer has been made and accepted, higher than the most recent bid detected

A method of providing financing is provided. The method provides financing for allowing a customer to purchase a product selected from an inventory of products maintained by a dealer. The method includes the steps of maintaining a database of the dealer's inventory, gathering information from the customer, calculating a credit score for the customer based at least in part on the information gathered from the customer, determining an advance amount to be paid to the dealer for each individual product in the dealer inventory in the event that that particular product is sold to the customer, calculating a front-end profit to be realized by the dealer for each individual product in the dealer inventory, and presenting a financing package to the dealer for each individual product in the dealer's inventory.

A system and method for facilitating, coordinating and managing the operation of a competitive marketplace via the Internet. The system and method collect bids for market services from a plurality of customers, calculators a clearing piece for the market service and calculates settlement information based on the clearing piece calculated and the bids collected.

The present invention is directed to a contact center 100 comprising (a) an input operable to receive a contact from a customer, the customer having an associated value to the contact center 100 and (b) a contact selector 216 operable to select a resource of the contact center 100 to service the contact based, at least in part, on the associated value. The associated value reflects one or more of a historic, predicted, and current monetary expense of the contact center to service the customer.

Disclosed is a gaming system and method designed or configured to provide wins of restricted credits. Restricted credits may be awarded according to the same or a different pay table than cashable credits on the same machine or at the same gaming property. Where separate pay tables are used for restricted and cashable credits, the invention may be implemented with a machine that accepts and pays only restricted credit according to a single, fixed internal payout schedule (“pay table”). Alternatively, the invention may be implemented with a machine that pays restricted credit according to one fixed internal pay table and cashable credit according to another fixed internal pay table. Or, a machine may pay restricted credit according to an external pay table provided by a host system to which the machine is connected.

A system, method and computer program product are disclosed for handling contracts in a supply chain management framework. One of a plurality of contracts is selected. The selected contract template is transmitted to a supply chain participant. Data is received from supply chain participants utilizing a network. This data relates to the sale of products by the supply chain participants. The contract templates are then enforced in accordance with the data.

Patients with certain chronic diseases such as diabetes require medical treatment according to a set time-related treatment plan. Such a treatment plan must be adapted accordingly in the case of long-haul journeys to countries with a time difference. A method for this has the steps of recording an regular treatment plan for administering the medicine, recording the point of departure and destination as well as the time of travel of the long-haul journey, determining the time zone difference between the point of departure and the destination and producing an adapted travel treatment plan based on the regular treatment plan depending on the time zone difference and the time of travel. The invention enables a patient to achieve a structured adaptation of his individual treatment plan to the time difference in the destination country of the journey in a convenient manner.

An Internet-based consumer product brand marketing communication system which enables manufacturers, retailers and their respective agents, and consumers to carryout product-related functions along the demand side of the retail chain. A central RDBMS (i.e. data warehouse) stores a central database of consumer product related information resource files (IRFs) each IRF being indexed with a Universal Product Number (UPN) assigned thereto by the manufacturer of the consumer product, or its designated agent, which relates to the consumer product. A first subsystem enables a manufacturer's marketing, brand and / or product managers to create and manage a local RDBMS containing UPN-indexed IRFs related to the consumer products of the manufacturer being offered for sale in both physical and / or electronic marketplaces, and periodically transport the local RDBMS of UPN-indexed IRFs to the central RDBMS by electronic data transport techniques. The local RDBMS of UPN-indexed IRFs is selected by the manufacturer's marketing, brand and / or product managers so as to create a desired brand image for each the consumer product of the manufacturer. A second subsystem enables consumers to access one or more UPN-indexed IRFs in the central RDBMS, to request and obtain information about a manufacturer's consumer product so as to make informed / educated purchases along the demand side of the retail chain. A third subsystem enables manufacturers and their advertising and marketing agents to access one or more UPN-indexed IRFs in the central RDBMS to display consumer product advertisements to consumers, at or near the point of purchase or sale within both physical and / or electronic retail shopping environments so as to project the desired brand image to consumers. A fourth subsystem enables retailers and their marketing and promotional agents to access one or more UPN-indexed IRFs in the central RDBMS, to promote consumer products to consumers, at or near the point of purchase or sale within both physical and / or electronic retail shopping environments so as to promote the sale of such products in inventory.

An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer.

A system, method and article of manufacture are provided for initiating bidding in a virtual trade financial environment. First, a form is submitted to a plurality of buyers providing details on products or services available from a plurality of sellers. This is to prompt the submission of bids on the products or services. The bids are then received from the buyers utilizing a network. Thereafter, the bids are categorized based on a predetermined criteria. The categorized bids are subsequently sent to the sellers utilizing the network. Offers are then received from the sellers in response to the bids utilizing the network. The offers are displayed to the buyers for closing transactions between the buyers and the sellers.

An Internet-based consumer product marketing, merchandising and education / information system which enables manufacturers, their agents, retailers and their agents, and consumers to carryout product-related functions along the demand side of the retail chain. A central UPN / TM / PD / URL RDBMS stores a central database of UPN / TM / PD / URL links. A first subsystem enables a manufacturer's marketing, brand and / or product managers to create and manage a local database of UPN / TM / PD / URL links related to the consumer products of the manufacturer being offered for sale in both physical and / or electronic marketplaces, and periodically transport local database of UPN / TM / PD / URL links to central UPN / TM / PD / URL RDBMS by electronic data interchange techniques. The local database of UPN / TM / PD / URL links is managed within a local UPN / TM / PD / URL RDBMS, and selected by the manufacturer's marketing, brand and / or product managers so as to create a desired brand image for each consumer product of the manufacturer. A second subsystem enables consumers to access one or more UPN / TM / PD / URL links in central UPN / TM / PD / URL RDBMS, to request and obtain information about a manufacturer's consumer product so as to make informed / educated purchases along the demand side of the retail chain. A third subsystem enables manufacturers and their advertising and marketing agents to access one or more UPN / TM / PD / URL links in central UPN / TM / PD / URL RDBMS, to display consumer product advertisements to consumers, at or near the point of purchase or sale within both physical and / or electronic retail shopping environments so as to project the desired brand image to consumers. A fourth subsystem enables retailers and their marketing and promotional agents to access one or more UPN / TM / PD / URL links in central UPN / TM / PD / URL RDBMS, to promote consumer products to consumers, at or near the point of purchase or sale within both physical and / or electronic retail shopping environments so as to promote the sale of such products in inventory.

Provided are a method, system, and program for receiving a request to remove a record. A determination is made as to whether a state associated with the record includes at least one hold state and whether the state associated with the record includes at least a retention period that has not expired. The request to remove the record is denied in response to determining that the state associated with the record includes at least one of at least one hold state and one retention period that has not expired.

A method and apparatus for efficient handling of product returns to reduce associated costs. A computer system at a regional product return center scans a returned product for identifying information, accesses a manufacturer return approval computer system through the internet or the like, and then submits the identifying information to the manufacturer for return approval. The manufacturer computer system utilizes the identifying information to access an electronic registration database to determine whether the returned product satisfies applicable return criteria. If so, the product is approved for return to the manufacturer. The regional product return center preferably scans a plurality of returned products in a single session. In response to the product identifying information submitted by the regional product return center, the manufacturer provides a list of approved returns and unapproved returns, along with a return authorization number for the batch of approved returns. The regional product return center then assembles the approved product returns into a box, shipping pallet, or the like, applies a label indicating the return authorization label, and ships the batch to the manufacturer. Shipping costs can be saved by omitting rejected product returns from the shipment. The manufacturer can handle the approved product returns from the regional return center as a batch, thereby reducing costs.

The system disclosed is for making payments using a new type of bank check combined with electronic funds transfer (EFT) facilities The new type check is not a negotiable instrument and is intended for delivery to the payor's bank rather than to the payee. The check instructs the payor's bank to make a payment by EFT from the payor's bank account directly to the bank account of the payee at the payee's bank, normally via the Federal Reserve's Automated Clearing House (ACH) facility. The system includes means for making a true, but inoperative, copy of each check at the time the check is written. Other embodiments of the invention are special checks, which look like conventional checks, but on their reverse sides display printed matter stating that they are non-negotiable and are payable only pursuant to special procedures.