Advertising is presented on a computer screen in the form of an animated multimedia character that will be referred to here as a "Shoshkele." The Shoshkele appears on the screen in an intrusive way at times which, to the user, are unpredictable, and it is entirely out of his control. The Shoshkele can move over the entire screen and is in the top layer of the display of the browser program, so it ...

The present invention provides a communication medium for a financial modeling and counseling system between a user and live advisor. A user interface provides various communication options for the user to select from. The options include voice, talk, video, clips, email and chat as well as direct access by a stand alone telephone. With most option the user and the live advisor have access to a co...

The present invention is a graphical user interface within the context of a financial planning and management system and method. The model consists of a user intention modeling module and an investment planning module. The graphical user interface displays a model and many of its related characteristics simultaneously and allows the user to interactively manipulate the model by selecting various f...

The present invention relates to an automated coaching system for financial modeling and counseling system. The automated coaching system enables the user to analyze the user's investment portfolio and dispense context sensitive automated advice to the user based on the user inputted financial data, preferences and financial goals. The automated coaching provides its advice to the user in syntacti...

An apparatus and method for selecting a lowest bidding vendor from a plurality of vendors (8) of a customized good or service, including receiving a set of vendor's attributes from each of the plurality of vendors (8) representing their respective capabilities, and receiving an invitation-for-bid data from the buyer (6) defining a custom job for which the buyer (6) desires price quotes or bids. Th...

The invention relates to a method for securing trade. A customer establishes a data communication contact with a server, which is at least in a data transmitting connection with a service supplier. After the data transmitting connection has been established, selects, confirms and/or makes a payment for his/her acquisition, such as buying a product, a service and/or a gambling contract. The server,...

Ein Verfahren zur Durchführung eines Schaltvorgangs in einem Antriebssystem, welches Antriebssystem (10) ein Antriebsaggregat (12) umfasst, welches über eine automatisierte Kupplungsanordnung (20) in Drehmomentübertragungsverbindung mit einer Eingangsseite (24) einer Getriebeanordnung (26) bringbar ist, umfasst die Schritte: a) nach Erzeugung eines Schaltbefehls, Verstellen der Kupplungsanordnung ...

A production method of polymer particles produces graft polymer particles by contacting a coagulant with a polymer latex (A) obtained by graft polymerizing a monomer containing methylmethacrylate to a rubber-like polymer. The method comprises a coagulation step in which polymer latex (A) is discharged into a stirring tank from an immersed nozzle provided so that the cross-sectional surface area of...

A stretched polyamide film obtained by melt-kneading and extruding a mixed resin (Z) containing a polyamide resin (X) and a modified resin (Y) into a film followed by biaxial stretching, wherein the polyamide resin (X) is obtained from a diamine component containing not less than 70 mol% of a metaxylenediamine and from a dicarboxylic acid component containing not less than 70 mol% of an alpha , ...

In einem Verfahren zur Entfernung einer wasserunlöslichen Ausrüstung von Aramidfasern werden die als Kurzschnitt, Wirrfaser oder textiles Flächengebilde vorliegenden Aramidfasern mit einem Mittel behandelt, das mindestens ein hydrophiles Fluid enthält.; A process for removing water insoluble aramide fiber finish as short section, irregular or flat textile fibers and treatment with an agent contain...

Route guidance information capable of displaying a route can be generated in an easy-to-understand, user-friendly manner even on a small screen of a navigation system. To generate such information, route guidance information at plural guide points on the route between plural points is so constructed that each piece of route guidance information will fit in the area of one screen. Display positions...

An information distribution system provided with the instant messaging functions including distribution of advertisements and news. When receiving an initial signal (31) associated with a connection request from a subscriber in a terminal group (20A), a main server (11) sends the current IP address information used by the terminal group (20A) to a terminal group (20B). Thereafter the two terminal ...

It is an object of the present invention is to provide an electronic commerce system and so on for enhancing the flexibility of electronic commerce over the Internet and for allowing users to perform commerce more easily. In order to achieve the object, when a server device (20) sends predetermined image data corresponding to a traded subject, an identification information adding processing (205) ...

Die Erfindung betrifft ein Kontaktvermittlungsverfahren, bei dem durch einen Steuerungscomputer automatisch Nachrichten erzeugt und übermittelt werden. Dabei werden in einer Profildatenbank gespeicherte Personenprofile der an dem Verfahren beteiligten Personen verwendet. Um die Nachrichtenübertragung an außerhalb ihrer Wohnung befindliche Personen zu ermöglichen und die Vermittlung auf Personen zu...

Method for automatic ABC analysis of an enterprise cost structure using business data for turnover by customer and product, data relating to the direct costs of an enterprise for products and customers and data about indirect costs. Accordingly products and customers are represented in an ABC matrix, according to ABC classification together with associated data. Independent claims are included for...

Durchführung von Zahlungsvorgängen, wobei eine Kasse eine Zahlungsaufforderung drahtlos an ein mobiles Gerät eines Kunden überträgt, dieses die Zahlungsaufforderung prüft, bei positivem Ergebnis daraus eine Zahlungsanweisung erzeugt, diese an eine Zahlungszentrale übermittelt, die Zahlungszentrale die Zahlungsanweisung prüft, bei positivem Ergebnis die Zahlungszentrale der Kasse eine Zahlungsbestä...

A system and method for Internet bill presentment and payment using a "push" model to intelligently "push" bills from the billing entities (110) to the customers (70) without the active enrolment by the customer. Initially, a bill servicing entity data mines payments made by the customers (70) to that billing entity. The data mining reveals the financial institution (50) that a customer (70) uses ...

A self-service terminal, such as an automated teller machine (12), is described. The terminal (12) has a display (52), and includes means (44,84) for accessing a mobile portal (30), whereby the terminal (12) is operable to retrieve information adapted for viewing on a portable device, and to present at least some of the retrieved information to a user on the display (52). The terminal (12) may als...

An ordering process linking products tried or identified in a real world setting to the Internet, and possibly combined with a real world buying solution, is disclosed with a coding system, label, Internet site with an eventual order form. The coding system identifies the product and possibly the product price, inventory holder, retailer and/or other parties by assigning each element or party thei...

A disc cartridge (110) includes a cartridge body (111) having an optical disc (112) rotatably accommodated in the cartridge body (111) and having an aperture (114) radially to expose a part of a signal recording region of the optical disc (112) to outside, a shutter (115) movably mounted on the cartridge body (111) to open or close the aperture (114) of the cartridge body (111), and first and seco...