The disclosure proposes an electronic device and method for displaying and moving a cursor across a first part of a touchscreen in response to detection of a slide gesture applied to a second part of a touchscreen, activating a graphical user interface object indicated by the cursor after detection of a release of the slide gesture or detection of a discontinuation of the slide gesture or detection of a force-press gesture applied to the second part of the touchscreen.
G06F 3/04883 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] utilisant des caractéristiques spécifiques fournies par le périphérique d’entrée, p.ex. des fonctions commandées par la rotation d’une souris à deux capteurs, ou par la nature du périphérique d’entrée, p.ex. des gestes en fonction de la pression exer utilisant un écran tactile ou une tablette numérique, p.ex. entrée de commandes par des tracés gestuels pour l’entrée de données par calligraphie, p.ex. sous forme de gestes ou de texte
G06F 3/0481 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] fondées sur des propriétés spécifiques de l’objet d’interaction affiché ou sur un environnement basé sur les métaphores, p.ex. interaction avec des éléments du bureau telles les fenêtres ou les icônes, ou avec l’aide d’un curseur changeant de comport
G06F 3/0482 - Interaction avec des listes d’éléments sélectionnables, p.ex. des menus
A system that self-remediates damage wherein the system recognizes an abnormal physical stress to the system, determines that the system has been damaged and remediates the damage by salvaging what is undamaged or providing alternative ways to handle the broken parts of the system.
Systems and methods include receiving a physical currency transfer request from a physical currency receiver device of a physical currency receiver, and identifying a physical currency deliverer device of a physical currency deliverer. A physical currency delivery confirmation code is then associated with a recipient identified in the request, and a virtual currency address controlled by the physical currency deliverer and included in a virtual currency public ledger is identified to the receiver device. A reimbursement request code is then received from the deliverer device and verified using the physical currency delivery confirmation code. In response to the verification, a multi-signature transaction that has been previously signed by the physical currency receiver is then signed to cause a virtual currency amount to be transferred via the virtual currency public ledger to the virtual currency address controlled by the physical currency deliverer.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Systems and methods to switch from a first communication mode to a second communication mode are disclosed herein. A level of communication between a first user and a second user in a first communication mode is detected. The first communication mode is included in a first communication interface displayed on a device of the first user. A second communication mode is selected based on the detected level of communication between the first user and the second user in the first communication mode. A switch from the first communication mode to the second communication mode is caused. The second communication mode is included in a second communication interface.
Systems and methods are provided that allow a proprietor of a location or merchant to which a user is interacting through a third party to send a push notification to a user device associated with the user using the third party as a proxy. The provided systems and methods may assign an interaction identifier to the user and interaction when an interaction request is received by the third party that may be later used to identify the user and user device to which a notification received from the proprietor or merchant will be pushed. The user may be able to define rules and settings that limit the scope and timing of the push notifications that can be received, and the third party may determine if notifications received from the proprietor or merchant meet these rules and settings before pushing the notifications to the user device and user.
Methods and systems for improving a shopping experience are described. A customer brings items of clothing to try on in a dressing room. The customer's exact location is provided to the store clerk with the assistance of a beacon located in the dressing room. The store clerk also knows the exact items the customer has brought into the dressing room because a reader in the dressing room reads tags associated with the items. The customer may be provided with information on suggested products, such as alternative or complementary items to the items the customer selected.
A search engine determines a number of pages to present to a user based on one or more of a variety of factors. The search engine may send the search results to a client machine, which may present a subset of the results along with a pagination control in a scrollable interface. The pagination control may present the number of pages determined by the search engine. The search engine may also determine a number of search results to present prior to the presentation of non-scrollable user interface (UI) elements based on the same or different factors. After the amount of scrolling exceeds a threshold, a non-scrollable UI element may be displayed. Additional thresholds may exist, such that additional non-scrollable UI elements are added as the user continues to scroll.
A communication device may have a set of web cookies designated for a specific location. When the communication device enters the specific location, the set of web cookies, which are designated for the specific location, may be used to customize a web page displayed at the communication device. When the communication device exits the specific location, the set of web cookies, which are designated for the specific location, may be inactivated. Different sets of web cookies may be designated for different locations. For example, a set of web cookies may be designated for home and another set of web cookies may be designated for work. The communication device may activate an appropriate set of web cookies based on the location of the communication device.
Systems and methods for providing a payment application personalized for a merchant physical location include receiving a first customer location from a first customer device that is running a payment application. A first merchant physical location is then determined to be associated with the first customer location and, in response, first merchant physical location personalization information is retrieved. The first merchant physical location personalization information is then provided for display as a user interface on at least one personalized merchant physical location screen that is provided on the first customer device using the payment application. The at least one personalized merchant physical location screen is configured to send an instruction to the payment application provider device to make a payment from a first customer account associated with the first customer to a first merchant account associated with the first merchant physical location.
Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant without a request from the user, generating a payment code without a request from the user, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.
A system to effectuate passive check-in with respect to a user's mobile device is described. A server system may be configured to receive communications from a GPS-enabled mobile device (e.g., a mobile phone), extract a stream of locations from the received communications, and use the location information to determine whether a boundary-crossing event has occurred with respect to the mobile device. In response to detecting a boundary-crossing event, the server may communicate a message, such as a recommendation, to the mobile device.
Systems and methods described herein may enable a user to add an incentive displayed along with content on a networked television to a digital wallet associated with the user. The user may be capable of selecting the displayed incentive using a remote control in communication with the networked television, or using their mobile device which may be in direct communication with the networked television, or in communication with the networked television over a network. When the user selects the displayed incentive for storage in a digital wallet, the user may be prompted to authenticate to a provider associated with the digital wallet, wherein the authentication may be performed through the networked television using the remote control. The incentive may then be added to the user's digital wallet and may be used or applied when the user performs a transaction using the digital wallet.
H04N 21/441 - Acquisition de l'identification d'un utilisateur final
H04N 21/45 - Opérations de gestion réalisées par le client pour faciliter la réception de contenu ou l'interaction avec le contenu, ou pour l'administration des données liées à l'utilisateur final ou au dispositif client lui-même, p.ex. apprentissage des préféren
H04N 21/4722 - Interface pour utilisateurs finaux pour la requête de contenu, de données additionnelles ou de services; Interface pour utilisateurs finaux pour l'interaction avec le contenu, p.ex. pour la réservation de contenu ou la mise en place de rappels, pour la requête de notification d'événement ou pour la transformation de contenus affichés pour la requête de données additionnelles associées au contenu
Systems and methods for providing routine suggestions include receiving a plurality of user activity data associated with locations within a home location area of a user at a plurality of different times. A subset of the plurality of user activity data is determined to include a location type and a reoccurring time period. A routine identifier is then provided to the user that includes the location type and a plurality of attributes associated with the location type. Routine details that rank the plurality of attributes associated with the location type are then received. A confirmed routine is then associated with the user that includes the location type, the reoccurring time period, and the ranked plurality of attribures. The confirmed routine may the be used to provide routine suggestions that suggest locations to the user to contine with their routines when they are away from the home location area.
Systems, methods, apparatus, processes, computer program code and means for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction. The method includes obtaining a token for use in said transaction, said token including information usable to identify a token issuer and a value of said token and providing said token to a second device associated with said second party, wherein said second device transmits said value of said token to said token issuer with information usable to identify said second party.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of third party mobile electronic devices, storage components adapted to store user information, participating merchant information, or any combination thereof, and processors in communication with the communication interfaces and storage components. The processors are adapted to facilitate automatic wireless transactions between third party users of the third party mobile electronic devices and the participating merchants when the third party devices are present at the participating merchants without any affirmative activity by the third party users.
Systems and methods are provided for generating and using a token for authorizing a payment to satisfy an agreement for goods and/or services. The token may be generated based on information related to the agreement, as well as a specified validity period and token type. The generated token may then be used within the specified validity period to authorize a payment to satisfy the agreement. The token may be a limited-use token having a predetermined number of uses, such that after the token has been used the predetermined number of times, the token may be destroyed such that the payment is not authorized more than the predetermined number of uses.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
17.
ENVIRONMENT AND METHODS FOR ENABLING ELECTRONIC TRANSACTIONS
A method includes receiving a request for registered payment options associated with a user computing device, where the request includes an identifier uniquely identifying one of the user computing device and the user. The method includes identifying one or more payment options associated with the device identifier, where each of the one or more payment options is associated with respective payment instrument information. The method includes providing one or more codes, where each code of the one or more codes identifies a respective payment option of the one or more payment options. The method includes receiving a first code of the one or more codes and transaction information. The method includes accessing, based upon the first code, payment instrument information associated with the payment option identified by the first code, and causing the processing of the payment instrument information in relation to a transaction identified by the transaction data.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
19.
SYSTEM AND METHODS FOR SECURE ENTRY OF A PERSONAL IDENTIFICATION NUMBER (PIN)
A system for conducting mobile transactions with a personal identification number (PIN) is provided. The system includes a display unit configured to generate and display an initial state of the PIN and a mobile device in communication with the display unit. The mobile device includes a user interface for modifying the initial state of the PIN and indicating a final state of the PIN, and is configured to transmit signals corresponding to modifying the initial state of the PIN and indicating the final state of the PIN to the display unit. A method for inputting a PIN is also provided.
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
20.
ELECTRONIC PAYMENTS TO NON-INTERNET CONNECTED DEVICES SYSTEMS AND METHODS
There is provided systems and method for an electronic payment to a non-Internet connected device. The methods include transmitting information corresponding to at least one item for sale at a non-Internet connected machine, receiving a purchase request from a user device for the at least one item from the non-Internet connected machine, and communicating, using a hardware processor of a payment provider server, an approval of the purchase request to the user device, wherein the user device is configured to transmit a purchase authorization to the non-Internet connected machine using a wireless connection.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
An application on user's mobile device (having a display screen) generates a transaction- specific barcode on the display, where the barcode contains a plurality of funding sources for the transaction and/or merchant loyalty, reward, or membership numbers. The barcode can be scanned to make purchases at a point of sale (POS).
An application on user's mobile device (having a display screen) generates a transaction-specific barcode on the display, where the barcode contains a plurality of funding sources for the transaction and/or merchant loyalty, reward, or membership numbers. The barcode can be scanned to make purchases at a point of sale (POS).
A card reader for use with a mobile device includes a rotatable face that can be rotated over a portion of the mobile device so that when the user slides a card through the card reader, the overlapping portion of the rotatable face prevents the card reader from spinning or rotating. A foot and/or a housing for a jack on the bottom of the card reader prevents the card reader from accidently turning off the mobile device during use.
G06K 7/08 - Méthodes ou dispositions pour la lecture de supports d'enregistrement avec des moyens de perception des modifications d'un champ électrostatique ou magnétique, p.ex. par perception des modifications de la capacité entre des électrodes
A system and method for user identification and personalization based on automotive identifiers are described. Image data of a vehicle is received from an image capture device. Vehicle identification information is extracted from the image data. A data record associated with a user is retrieved using the vehicle identification information. A personalized communication for the user is generated based on the retrieved data record. The personalized communication may be transmitted to a device. The personalized communication may comprise a recommendation.
Systems and methods for providing check-in based payment processing are discussed. In an example, a method for check-in based payment processing can include receiving check-in data, generating a pre-approval, sending a one-time-use PIN, receiving a validated transaction, and processing a payment. The check-in data can include a merchant identifier and user information identifying a user registered with the check-in service and associated with a mobile device. The pre-approval can include a one-time-user PIN. The validated transaction can include the one-time-user PIN associated with the pre-approval.
An electronic payment system provided by a mobile communication device, the system including a memory storing instructions for interacting with a EMV card reader to cause payment from an issuing bank associated with a cardholder to an acquiring bank of a merchant associated with the electronic payment processing system; and one or more processors in communication with the memory configured to: initiate a transaction by passing transaction information, including a transaction amount, to the EMV card reader; receive encrypted payment authorization from the EMV card reader to process a payment from the issuing bank to the acquiring bank, wherein the one or more processors are in communication with the EMV card reader; pass the encrypted payment authorization to the acquiring bank over a data connection; and receive a confirmation of payment from the acquiring bank over the data connection.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
27.
APPLICATIONS LOGIN USING A MECHANISM RELATING SUB-TOKENS TO THE QUALITY OF A MASTER TOKEN
87543593 Abstract Methods and systems allow a user to log in to a device so that a number of apps become accessible on the device without the user repeatedly logging in to each different app as the user launches multiple apps. A mechanism provides a master token with a quality score and sub-tokens for each app that can use the sub-token and the score quality to evaluate the security level provided by the initial login, allowing each app to skip its own login process and providing enhanced efficiency and convenience for the user. A method includes authenticating a user; creating a master token on the user device; creating a sub-token of the master token for an app launched on the device; the app skipping the login process of the app in response to the sub-token so that the app proceeds directly to validating a transaction. Date Recue/Date Received 2020-12-22
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
28.
APPLICATIONS LOGIN USING A MECHANISM RELATING SUB-TOKENS TO THE QUALITY OF A MASTER TOKEN
Methods and systems allow a user to log in to a device so that a number of apps become accessible on the device without the user repeatedly logging in to each different app as the user launches multiple apps. A mechanism provides a master token with a quality score and sub-tokens for each app that can use the sub-token and the score quality to evaluate the security level provided by the initial login, allowing each app to skip its own login process and providing enhanced efficiency and convenience for the user. A method includes authenticating a user; creating a master token on the user device; creating a sub-token of the master token for an app launched on the device; the app skipping the login process of the app in response to the sub-token so that the app proceeds directly to validating a transaction.
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06F 21/34 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
29.
DIFFERENTIAL CLIENT-SIDE ENCRYPTION OF INFORMATION ORIGINATING FROM A CLIENT
A method may include allocating a number of public keys, where each respective public key is allocated to a respective entity of a number of entities; storing a number of private keys, where each respective private corresponds to a respective public key; storing one or more decryption algorithms, where each respective decryption algorithm is configured to decrypt data previously encrypted using at least one encryption algorithm of the encryption algorithms. Each respective encryption algorithm may be configured to encrypt data using at least one public key. Each respective decryption algorithm may be configured to decrypt data using at least one private key. The method may include receiving encrypted data, where the encrypted data is encrypted using a first public key and a first encryption algorithm, and the encrypted data is provided over a network.
H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
H04W 12/02 - Protection de la confidentialité ou de l'anonymat, p.ex. protection des informations personnellement identifiables [PII]
30.
DIFFERENTIAL CLIENT-SIDE ENCRYPTION OF INFORMATION ORIGINATING FROM A CLIENT
A method may include allocating a number of public keys, where each respective public key is allocated to a respective entity of a number of entities; storing a number of private keys, where each respective private corresponds to a respective public key; storing one or more decryption algorithms, where each respective decryption algorithm is configured to decrypt data previously encrypted using at least one encryption algorithm of the encryption algorithms. Each respective encryption algorithm may be configured to encrypt data using at least one public key. Each respective decryption algorithm may be configured to decrypt data using at least one private key. The method may include receiving encrypted data, where the encrypted data is encrypted using a first public key and a first encryption algorithm, and the encrypted data is provided over a network.
H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
A merchant initiates a payment process by sending transaction details, merchant information, and a user or customer phone number to a payment service provider. The payment service provider sends a message to the user device, either asking the user to confirm the payment or communicating an authorization code. In the former, the user may be asked to simply confirm or communicate a user code. In the latter, the user communicates the authorization code to the merchant, who then communicates it to the payment servicer provider. In either case, once received and approved, the payment service provider sends a confirmation message to the merchant and the user that the payment has been approved and processed. Communication can be by text or verbal.
A user can transfer items, such as a money, a payment request, virtual goods, listings, etc., by flicking the item on a user device, such as a smart phone. The selected item then moves out of the display and onto the display of a recipient device. The transfer can be completed when the user and recipient have an established trust relationship or authorize the transfer.
G06F 17/00 - TRAITEMENT ÉLECTRIQUE DE DONNÉES NUMÉRIQUES Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des fonctions spécifiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
H04W 12/68 - Sécurité dépendant du contexte dépendant des gestes ou des comportements
A user's smart phone is used for payments and holding information, similar to what is contained in a physical wallet. Depending on transaction details, user preferences, and location, one or more "best" funding instruments for the transaction are selected for the user, who may then revise if desired. Access to different functions or information within the phone may vary and require different authentication/security levels depending on type of use (e.g., payment or non-payment) and details of use (e.g., high payment amount vs. low payment amount, use of sensitive information vs. non-sensitive information).
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication
A method and a system for currency weighted cross border listing exposure utilize a favorability factor that may be determined between a first and a second currency. A search may be executed that returns listings in both currencies. A subset of those listings in the second currency may then be presented in accordance with the favorability factor.
35.
MOBILE PHONE PAYMENT PROCESSING METHODS AND SYSTEMS
Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.
A method to optimize calls to a service by components of an application running on an application server is provided. The method includes receiving a first call and a second call, the first call made to a service by a first one of a plurality of components included in the application, and the second call made to the service by a second one of the plurality of components; selecting one of a plurality of optimizations, the plurality of optimizations including orchestrating the first call and the second call into a third call to the service; and, in response to the selecting of the orchestrating of the first call and the second call into the third call as the one of the plurality of optimizations, orchestrating the first call and the second call into the third call.
H04L 65/1063 - Serveurs d'applications fournissant des services réseau
H04L 67/04 - Protocoles spécialement adaptés à la portabilité du terminal
H04L 67/1001 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour accéder à un serveur parmi une pluralité de serveurs répliqués
H04L 12/16 - Dispositions pour la fourniture de services particuliers aux abonnés
In some example embodiments, a system and method is shown that includes receiving a purchase request through an Electronic Payment Financial Network (EPFN), the purchase request including a token to identify a merchant server. The system and method further includes comparing the token against a merchant identifier value to determine that that token is assigned to the merchant server. Additionally, the system and method includes transmitting a purchase request authorization authorizing an online transaction, where the token and merchant identifier value are equivalent.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
A payment application framework may include metaphors and constraints. The metaphors may be associated with actors and objects that are part of the payment transactions. The constraints may include rules and parameters that may be used to process the payment transactions.
A payment application framework may include metaphors and constraints. The metaphors may be associated with actors and objects that are part of the payment transactions. The constraints may include rules and parameters that may be used to process the payment transactions.
A system and method for determining relevancy for dynamic data sets is disclosed. A specific embodiment for use in an internet marketplace is presented wherein the relevancy for a descriptive factor associated with an item is increased when a user selects that item. To prevent abuse of the relevancy determination system, various embodiments incorporate abuse prevention measures. In one embodiment, a user's selection of the user's own items does not affect the relevancy system. In one embodiment, only a first selection of a particular item by a user will affect the relevancy system and any additional selections of that item will have no effect. In another embodiment, the size of the changes made due to the selections of particular user to the relevancy system are correlated to that user's reputation score.
41.
USING REPUTATION MEASURES TO IMPROVE SEARCH RELEVANCE
A system and method for determining relevancy for dynamic data sets is disclosed, A specificembodiment for use in an internet marketplace is presented wherein the relevancy for a descriptive factor associated with an item is increased when a user selects that item, To prevent abuse of the relevancy determination system, various embodiments incorporate abuse prevention measures. In one embodiment, a user's selection of the user's own items does not affect the relevancy system. In one embodiment, only a first selection of a particular item by a user will affect the relevancy system and any additional selections of that item will have no effect. In another embodiment, the size of the changes made due to the selections of particular user to the relevancy system are correlated to that user's reputation score.
42.
SYSTEM AND METHOD FOR ACTIVATING INSURANCE COVERAGE
There is disclosed a method and system for activating insurance coverage. In an embodiment, a system for activating insurance coverage comprises: activation means operable by a customer for activating insurance coverage; verification means for verifying whether activation of insurance coverage is permissible; a timer for providing the date and time of activation of insurance coverage by the customer; and non-volatile storage means for archiving instances of activation of insurance coverage by the customer, together with the date and time of activation. The timer may be synchronized to a standard broadcast time signal, and the activation means may include authorization means for authorizing the customer to request the activation of insurance coverage. The non-volatile storage means is either tamper-proof or tamper-evident, and may be audited for verification of activation of insurance coverage in the event of an insurance claim.
brevets
