Abstract:
A medical device and method of use thereof that provides a new means for administering injectable compounds into a targeted area of skin on the body of a human in an automated or semi-automated way, which eliminates the human factors of subjectivity with regards to placement, depth, volume and coverage.
Abstract:
This invention teaches systems and methods for identifying, targeting and destroying cancer cells. As cells progress from a normal to a cancerous state their accelerated metabolic rates and adapted pathways generate a higher heat signature that serves as a targeting beacon for a specialized cell killing vector. Suitable vectors include modified or adapted viruses, modified or adapted intracellular bacteria and/or engineered liposomes. Especially preferred is the bacterial vector because of its ease of production. The bacterial vector is selectively targeted to recognize cells whose temperature is slightly elevated and ambient pH suppressed due to cancer related alterations to metabolism. An additional targeting feature, such as recognition of the MCT4 transmembrane protein exaggeratively expressed on the cancer cell outer membrane, may provide additional targeting specificity. Embodiments featuring facultative extracellular and intracellular growth capable bacteria have the preferred feature that culture conditions for producing the vector can be optimized solely for the one organism and need not be compromised to support or optimize host cell maintenance.
Abstract:
A method of and system for a user executing a mobile transaction. A virtual wallet is generated on a mobile device, the mobile wallet including a reward value component. Information about an item desired to be purchased by the user is input to the mobile device. A proposed payment solution is generated from the virtual wallet that is sufficient to pay for the item and then presented to a point of sale terminal. The point of sale terminal then executes instructions from the proposed payment solution sufficient to execute payment for the item.
Abstract:
A method and system for generating and distributing incentives. An incentive server computer (ISC) receives a user identification from a mobile device that identifies an associated user. The ISC determines the location of the mobile device, and uses the user identification to determine one or more reward programs with which the user has a reward account. For each such reward program, the ISC determines if the location of the mobile device is within a predefined distance of a merchant affiliated with the reward program, and if so then generates a purchase incentive for the user to redeem at the merchant and transmits the purchase incentive to the mobile device. As a result, incentives are provided to those purchasers who are within a predefined proximity to the merchant, and who are more likely to use the incentive since they are already a member of an affiliated reward program.
Abstract:
A wireless beacon message management system and method of operating the system with a mobile device. At least one wireless beacon is strategically located in a premises, such as a building or other geocentrically defined area. Each wireless beacon has means for transmitting a wireless beacon signal, wherein the wireless beacon signal includes a beacon data message that has a beacon identification that identifies the beacon transmitting the signal, and optionally the content being delivered. A mobile device such as a smartphone, tablet or the like receives the wireless beacon signal and analyzes it to extract the beacon identification and optional beacon content. The mobile device may then apply one or more software filters to the beacon data message that enables the mobile device to initiate an action based on the filtered beacon data message.
Abstract:
A method of operating a data collection and analysis system. An exchange computer receives customer identification data associated with a customer. A quantitative analysis algorithm determines whether the exchange computer has received an amount of customer identification data sufficient for the customer to be uniquely identified, and if so, then a linking service computer or a plurality of remote database computers perform a qualitative analysis algorithm with the customer identification data to determine if the customer identification data is sufficient for the customer to be uniquely identified. If the qualitative analysis algorithm passes, then customer information may be retrieved from the remote databases and collated and analyzed at the exchange computer. The customer may automatically register with reward programs using already-entered user information. A data analysis embodiment enables offers to be generated that are tailored towards specific users.
Abstract:
A managed credit system and method including a POS computer and a credit server computer interconnected via a computer network. The credit server computer includes a credit account database on which a credit account associated with a consumer is established, a purchase rules database on which a set of purchase rules is stored, and processing circuitry programmed to receive from the point of sale device a purchase request comprising an identification of the consumer and a price of the product. The processing circuitry is also programmed to determine if the purchase request should be authorized by (i) ascertaining if the purchase request complies with the set of purchase rules and (ii) verifying that the credit account contains credits sufficient to pay for the purchase request.
Abstract:
A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment.
Abstract:
A method of providing rewards to a user by storing, in a portable computing device, user profile data which may be accessed by a merchant terminal only if allowed by the user. A merchant terminal interacts with the portable computing device by accessing the user profile data from the portable computing device if allowed by the user, and providing the user with a reward in accordance with the user profile data allowed by the user to be accessed by the merchant terminal, wherein the merchant terminal provides a relatively greater reward to the user when the user allows relatively more user profile data to be accessed by the merchant terminal and a relatively lesser reward to the user when the user allows relatively less data to be accessed by the merchant terminal.
Abstract:
A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.