text:
Browser does not support script.
Subjects taught at LSE | Services and divisions (administration)
All research groups | Research subject areas
International Relations Department
London School of Economics &
Political Science
Houghton Street
London WC2A 2AE
United Kingdom
Department staff contact details
NB: the Department is physically located in Clement House, 97-99 The Aldwych, London WC2.
Finding your way around LSE: room numbering and accessibility
Follow us on Twitter @LSEIRDept
The International Relations Department is pleased to present our popular video:
International Relations: An Introduction
Download link (right-click, save as)
Watch on YouTube
Featuring academics from the International Relations Department at the LSE, 'International Relations: an introduction' is a 10-minute film about the study of international relations, particularly at the LSE. The film looks at what we study, and why, and also at major themes and how to approach them, and debates Star Trek and whether there will ever be world peace.
Contributors: Professor William A Callahan, Dr Toby Dodge, Dr Jens Meierhenrich, Professor Iver Neumann, Professor Karen Smith, Dr Stephen Woolcock
International Relations Public Lecture:
The Modern Mercenary: private armies and what they mean for world order
Speaker: Dr Sean McFate
Chair: Professor Christopher Coker
Date: Monday 19 October 2015, 6.30-8pm
Venue: Wolfson Theatre, New Academic Building
McFate provides an unparalleled perspective into the nuts and bolts of the private military industry, as well as a sobering prognosis for the future of war.
Sean McFate (@seanmcfate) is Associate Professor at the National Defense University, Senior Fellow at the Atlantic Council and Adjunct Professor at Georgetown School of Foreign Service. Sean is an alumnis at the London School of Economics and Political Science (LSE).
Christopher Coker is Professor of International Relations at LSE.
This event is free and open to all with no ticket or pre-registration required. Entry is on a first come, first served basis.
For any queries contact email@example.com or 0207 955 6043.
Suggested hashtag for this event for Twitter users: #LSEMcFate
LSE Politics and International Relations is ranked fourth in 2015 world university rankings by subject
LSE Politics and International Relations has been ranked fourth in the QS World University Ranking by Subject 2015 tables for Politics and International Studies.
The LSE scored 92.1 out of 100, following Harvard University, Princeton University and Oxford University. Scores take into account academic and employer reputation surveys, along with citations per faculty. The methodology is explained in detail here.
IR Fred Halliday Memorial Lecture:
Conflict-related sexual violence: The politics of the UN
Security Council's approach to the protection of civilians
Speaker:Professor Anne Marie Goetz
Chair: Professor Chris Hughes
Date: Thursday 19 November 2015 Time: 6.30 - 8.00pm
Venue: Old Theatre, Old Building
This lecture will provide a history of the policy processes leading to the Security Council resolutions recognizing conflict related sexual violence as a tactic of warfare and outlining political, security, judicial and humanitarian responses.
Anne Marie Goetz is Clinical Professor at the Centre for Global Affairs, New York University.
Chris Hughes is Head of the Department of International Relations at the London School of Economic and Political Science.
This event is free and open to all with no ticket required.
Entry is on a first come, first served basis.
For any queries, please contact email@example.com or 020 7955 6043.
IR student Dimitrios Stroikos wins ISA prize
One of the IR Department's research students, Dimitrios Stroikos, has just been awarded 'The English School Award for Outstanding Research Paper by a Younger Scholar' awarded by the ISA English School section, for his paper on "International Society in Orbit: Reconceptualizing Order on the Higher Frontier."
He will receive the award at the 2016 ISA convention in Atlanta.
Attention all applicants for MPhil/PhD in 2016
All applicants for MPhil/PhD who wish to be considered for School Scholarships for entry in MT 2016, need to apply by 11 January, 2016.
Self funded applicants are strongly encouraged to apply by 11 January, 2016, but applications will be accepted throughout the academic year.
2015 Millennium Conference
Failure and Denial in World Politics
Date: 17-18 October, 2015
Location: The London School of Economics and Political Science (LSE), London, UK.
International relations are enmeshed in political failure and denial: from the governing of global climate change, financial collapse, and nuclear proliferation, to liberal statebuilding, development, and the potential for pandemics. Failure and denial reside in the background of world politics. In spite of their ubiquity and global relevance, however, it is paradoxical that these concepts remain under-theorised and under-conceptualised in International Relations scholarship. The 2015 Millennium Conference thus aspires to open new and critical grounds for debate and discussion by examining this paradox. It is a call for IR to theorise what has remained in the background of its thought and theory until now: failure and denial in world politics.
For full information click here.
Research Excellence Framework (REF) 2014
We are proud to announce that the LSE International Relations and Government submission to the Research Excellence Framework (REF) 2014 has been ranked first in the UK for the percentage of its research graded world leading or internationally excellent. For full details click here.
Pippa Malmgren, LSE International Relations alumnus, talks to LSE Connect
Pippa received an MSc International Relations 1986 and a PhD in 1991 from the IR Department. She has an illustrious career as a political economist. She served as financial market advisor to the President in the White House and on the National Economic Council from 2001-2002. She was a member of the President's Working Group on Financial Markets and the Working Group on Corporate Governance. She dealt with Enron, Sarbanes Oxley as well the Anti-Money Laundering provisions of the Patriot Act and had responsibility for terrorism risks to the economy on the NEC after 9/11.
Read the interview here.
Professor Fred Halliday's papers available to view online
A collection of Fred Halliday's papers is now available to view via the LSE Archives. The collection consists of over 350 files of personal effects, correspondence, memoirs, draft texts, travel-notes and work documents, all available for researchers to consult. The collection should appeal to students of the history and politics of the Middle East and those with an interest in the more theoretical issues dealt with in the discipline. A bibliography listing all of Halliday's academic works, both published and unpublished, has also been created.
Further information available here.
For more news for the IR Department, visit our News and Events page.
European Foreign Policy Unit engaged in debate on BrexitThe current debates in the UK about the future of its relationship with the European Union are heating up, with pressure groups being formed to press the case for a yes or a no vote in the referendum on British … Continue reading →
News from the European Foreign Policy UnitThe European Foreign Policy Unit (EFPU) is one of several research units based in the International Relations Department. It links seven full-time members of staff, and acts as a focus for research and teaching on issues relating to European foreign … Continue reading →
Professor Peter Trubowitz launches new United States CentrePeter Trubowitz, Professor of International Relations, is the Director of a new United States Centre at LSE, formally launching in late October. A part of the Institute of Global Affairs, the US Centre will serve as a hub for global … Continue reading →
Introducing Dr Janina DillDr Janina Dill joined the LSE International Relations Department as Assistant Professor in September 2015. She introduces herself here: I am delighted to join the LSE's IR department. My previous three jobs were all at the University of Oxford: a … Continue reading →
Introducing Dr Julia GrayDr Julia Gray joined the LSE International Relations Department as Assistant Professor in September 2015. She introduces herself here: I received a PhD in political science from the University of California, Los Angeles; an MSc with distinction in International Political … Continue reading →
The Dominique Jacquin-Berdal Travel Grant awarded for 2015The Dominique Jacquin-Berdal Travel Grant was established by the International Relations Department at the LSE in memory of Dr Dominique Jacquin-Berdal who was a lecturer in the Department from 1999 until her death in 2006. She taught on nationalism and … Continue reading →
Future War
Christopher Coker
(Polity Press 2015)
Will tomorrow's wars be dominated by autonomous drones, land robots and warriors wired into a cybernetic network which can read their thoughts? Will war be fought with greater or lesser humanity? Will it be played out in cyberspace and further afield in Low Earth Orbit? Or will it be fought more intensely still in the sprawling cities of the developing world, the grim black holes of social exclusion on our increasingly unequal planet? Will the Great Powers reinvent conflict between themselves or is war destined to become much 'smaller' both in terms of its actors and the beliefs for which they will be willing to kill?
In this illuminating new book Christopher Coker takes us on an incredible journey into the future of warfare. Focusing on contemporary trends that are changing the nature and dynamics of armed conflict, he shows how conflict will continue to evolve in ways that are unlikely to render our century any less bloody than the last. With insights from philosophy, cutting-edge scientific research and popular culture, Future War is a compelling and thought-provoking meditation on the shape of war to come.
Diplomacy and the Making of World Politics
Edited by Ole Jacob Sending, Vincent Pouliot and Iver B. Neumann
Cambridge Studies in International Relations, Cambridge University Press 2015)
This book examines world politics through the lens of diplomatic practice. It argues that many global phenomena of our time, from the making of international law to the constitution of international public power, through humanitarianism and the maintenance of global hierarchies, are made possible and shaped by evolving forms of diplomacy. The study of diplomacy is largely dominated by firsthand accounts and historical treaties, with little effort at theoretical discussion. This book shows how diplomatic studies can benefit from more explicit theorizing, and argues that the study of world politics should pay more attention to what goes on in the diplomatic 'engine room' of international politics.
Contentious Politics in the Middle East
Popular Resistance and Marginalized Activism beyond the Arab Uprisings
(Palgrave Macmillan 2015)
Edited by Fawaz A. Gerges
While the Arab people took center stage in the 'Arab Spring' protests, academic studies focus on state structure, regime nature, militaries, and external powers to understand popular uprisings in the Middle East. Contentious Politics in the Middle East redresses a gap in focus as it analyzes the complexities of popular agency through the framework of contentious politics theory, without neglecting the negotiations between the people and structural factors. The book's chapters apply familiar questions raised by theorists to the under-researched case study of the Middle East after the uprisings.
Edited by Fawaz A. Gerges and featuring insights from top scholars, this collection seeks to answer these important questions as it advances contentious politics theory.
Evaluating transitional justice: accountability and peacebuilding in post-conflict Sierra Leone
(Palgrave Macmillan, 2015)
Edited by Kirsten Ainley, Rebekka Friedman and Christopher Mahony
Demonstrating groundbreaking analysis, this is the first major study to evaluate the transitional justice programme in Sierra Leone. Rather than focusing on a single mechanism, the authors examine how the Special Court, Truth and Reconciliation Commission (TRC), local justice initiatives and reparations programme interacted. Contributors to the book include the Prosecutor of the Special Court and one of the Commissioners from the TRC, alongside a range of experts on transitional justice, on international law and on Sierra Leone. The authors consider the political and normative drivers of transitional justice and the lessons that the Sierra Leone programme stands to offer other post-conflict situations. The importance of long-term planning, local partnership and the management of the politics and trade-offs for future transitional justice programmes cannot be underestimated. This edited volume makes a significant contribution to the field by demonstrating how contextual knowledge should be used alongside normative standards when evaluating transitional justice.
The Global Transformation: History, Modernity and the Making of International Relations
(Cambridge University Press, 2015)
Barry Buzan and George Lawson
The 'long nineteenth century' (1776–1914) was a period of political, economic, military and cultural revolutions that re-forged both domestic and international societies. Neither existing international histories nor international relations texts sufficiently register the scale and impact of this 'global transformation', yet it is the consequences of these multiple revolutions that provide the material and ideational foundations of modern international relations. Global modernity reconstituted the mode of power that underpinned international order and opened a power gap between those who harnessed the revolutions of modernity and those who were denied access to them. This gap dominated international relations for two centuries and is only now being closed. By taking the global transformation as the starting point for international relations, this book repositions the roots of the discipline and establishes a new way of both understanding and teaching the relationship between world history and international relations.
Read the symposium on the book here.
For more publications by members of the IR Department, visit the pages on Staff Publications: new books, older books and Staff Publications: articles and chapters.
Prospective applicants
Applicants wishing to apply for the BSc IR, MSc IR and MSc IR Research, the MSc IR Theory, the MSc IPE and MSc IPE Research and the MPhil/PhD programme should read the following Frequently Asked Questions (FAQS):
FAQs for prospective BSc International Relations applicants
FAQs for prospective MSc International Relations applicants
FAQs for prospective MSc in International Political Economy (IPE) applicants
FAQs for prospective MSc International Relations Theory applicants
FAQ for prospective MPhil/PhD International Relations applicants
Offer holders and current students
These are divided into the following sections:
General questions
Questions for first-year undergraduates
Questions for taught course graduate students
Questions for first-year research students (MPhil/PhD)
Centres and units
Use of this website is subject to, and implies acceptance of, its Terms of use (including Copyright and intellectual property, Privacy and data protection and Accessibility). The London School of Economics and Political Science is a School of the University of London. It is a charity and is incorporated in England as a company limited by guarantee under the Companies Acts (Reg no. 70527).The registered office address of the School is: The London School of Economics and Political Science, Houghton Street, London WC2A 2AE, UK; Tel: +44 (0)20 7405 7686


text:
Daily Life
DL Food
Previous thumbnails
Next thumbanils
Beautiful erotic French film, Blue is the Warmest Colour is a study of appetite - for food, and also life and love. Adele is often seen eating, and if anything, the film will make you desperate for a bowl of spaghetti.
Please enter your friend's name
Please enter a valid email address
Please enter your name
Please enter your comment
Thank You.
Your email has been sent.
Behold, the pimped-up, utterly decadent versions of our favourite classic desserts...
Don't feel like braving the old outside? Why not do some baking experiments for your favourite people this weekend? Yep, that includes ...
So, they're sticking up to 28 hotdogs in pizza crusts now. The world really is an amazing place.
Sorry. An error occurred when submitting the form.
Please try again later.
21 times actors looked nothing like themselves
Bright sparks
New hues
'90s celebrities offspring who are becoming cooler than their parents
Images that changed the way we see female nudity
26 AprFrom the chocolate fountain in Charlie and the Chocolate Factory to the mouth-watering family feast in Eat Drink Man Woman, we've picked out the most sumptuous scenes from our favourite foodie classics.
Skip to:
Variable rates as low as 3.99% p.a + no monthly fees
More Info
Earn 3 times the Velocity Points in first 3 months
Find Out More
$100 off a single Coles Supermarket shop. T&Cs apply
Check it Out
Compare all the prices and plans from all carrliers
iPhone 6s
From $61/mth with over 200 options across 12 iPhone models
Phone Plans

subset: commoncrawl


text:
Valve have released Team Fortress 2 for the Mac. If you don't own a Mac, there are four reasons why you should still care, and one of them rhymes with Spraining Node.
They've added a long-overdue training mode that relies on their excellent TF2 bots. It's got a little firing range full of cardboard cutouts that teach you how to be a good soldier - close up cut-outs can only be bust with your shovel, your shotgun harms mid-range foes, and the rocket launcher is reserved for the distant targets. It teaches reloading, aiming, and the switching of weapons. It doesn't actually tell you how to walk around though, but who would need to know that? Oh, right.
There's only one way to get this unlockable accessory - if you log into the game using a Mac before Monday, you'll receive a shiny pair of white earbuds just like iPods use to make sound happen in your ears. Your only challenge then is to work out how to cloak as a spy with no right mouse button. Try holding cmd+shift+f10. If you don't log in using a Mac before Monday, you'll have to be content with working out your aggression on anyone spotted with white earbuds.
It's all big and chunky! The buttons are white! Eww! It also taunts you with classes you suck at. So what if I've got one capture as a Scout? It was probably the last capture. And my team had probably just rage quit.
There's also a new comic and a trailer up at the Mac Update page. They're obviously trying to leverage the PC/Mac rivalry to repopulate some servers, but I doubt that'll ever happen. Mac gamers are too snooty and elitist to respond to constant taunting from PC gamers.


text:
Add to Favorite List:
Create a new folder:
Next »
Hot webcam babe fucked hard
Recognize a pornstar in this video?
Help make pornstars easier to find on Tube8 by telling us who is in this video.
Thanks! The pornstar names will be added to this video when enough users submit the same names.
You must enter a pornstar name that already exists in our database.
- Category: Amateur
- Views: 1,512,974
- Added: 5 years ago
- Description: Real brunette teen with great body fucks on webcam
- Tags: brunette, teen, petite, babe, homemade, hardcor
- Pornstars: Add Pornstar
- Favorite by: 1774
- Featured: 5 years ago
- Report This Video
Video Comments
Top Video Comments
All Video Comments (11)
5 years ago
5 years ago
Dark pussy lips...doesn't that mean she's part chow?
- 0 people liked this -
5 years ago
5 years ago
Whats gross is that she has a black dirty looking pussy and asshole...eww..
- 0 people liked this -
5 years ago
5 years ago
when your pussy is the same color as your asshole thats kinda gross
- 0 people liked this -
Related Videos
AdBlock blows! Please disable the add-on to ensure you get the most out of Tube8's features and functionality. Read about why you shouldn't use AdBlock. Close


text:
Sunday, August 2, 2015
Vicuna Chocolate in Petersborough, New Hampshire
Boston artist Allison Cekala brought me to what she said was the best chocolate place in Peterborough. On our want list was a tea she had enjoyed just days before, Cocoa Tea with a shot of chocolate. I had hot and she had cold. The freshly baked super chocolate chip cookie was my beverages companion and i consumed them as slow as I could possibly eat chocolate while having a colorful and charming conversation with Ms. Cekala. It happens that her work which is primarily video based, is partially inspired and follows in the tradition of the Center for Land Use Interpretation. Now isn't that a small world? Matt and Sara, were your ears burning?
MacDowell Arts Colony in Petersborough, New Hampshire
Deepest apologies for being absent from this blog. As some of you know, my art projects have been in unusual abundance this year including a group exhibit at Document Coffee Bar, new work premiering at the Granary Art Center in Utah, participation in the Little Tokyo Utility Box Project (my piece is an homage to Misora Hibari), a new work for the COLA exhibit at the LA Municipal Art Gallery, an artist residency at the Smithsonian Museum of American History, the completion of Season Six of Ear Meal Webcast and currently a six week artist residency at the MacDowell Art Colony in New Hampshire. Accordingly, I give you the lunch at the MacDowell. Every day, three solid meals prepared by New Hampshire's finest. I am in the Heinz Studio, a lush studio where I am working on my new sound installation, Conical Sound: Antoni Gaudi and Simon Rodia. The Heinz is awesome and my fellow residents are a cavalcade of amazing creative individuals who I have the pleasure of conversing with daily. The images are of the lunch baskets, delivered to us each day. We are spoiled but inspired to work even that much harder on our individual objectives!
Monday, June 8, 2015
Hoy Ka Noodles in Hollywood
Always a very enjoyable time with Jennifer Moon and Mr. Snuggles. This time we tried a Vietnamese Noodle place in Hollywood. I don't remember who suggested it. I don't think it was me. I guess that leaves Jennifer or Mr. Snuggles. Hoy Ka Noodles, 5401 Hollywood Blvd LA CA 90027
Ebaes on Union Avenue
A pleasant surpris, Ebaes at 2314 S Union Ave LA CA 90007. We arrived very early to an event at the Veraslavasay Panoramic and walked across the street to sample this restaurant we'd never been to. It was an Asian fushion place, hip and decorative in a sort of old school rustic Asian way. We wanted something not too filling so we shared ramens. They were excellent. We also shared a beer with a funny name.
Hammer Cafe at the Hammer Museum
After seeing the various awesome exhibitions at the Hammer, we decided to grab a snack before we got back on our bikes. French fries, salad and salmon. Very delicious and nourishing. The best part was sitting across the way was Weird Al Yankovich. Another Hollywood moment.
Copenhagen Pastry in Culver City
Jennifer Moon told me about this place but it took almost two years for me to finally partake. The pastries were fluffy, buttery and sweet. The place is well designed and clean, refreshing with a bit of attitude. It's oddly European in a non-European environment. Delicious treats with an old world heart. 11113 Washington Blvd Culver City CA
Sunday, April 26, 2015
Daily Grill in DTLA
I think this is a chain but I decided to check it out anyway, having passed by it for years. It's in DTLA near the Standard Hotel. Daily Grill is located at 612 S Flower St LA CA 90017. I wanted fish so i ordered the Fish and Chips. I had a discussion with the server about by need for less salt and they tried their best to not add salt to the batter but the fish was fried in a fryer that had already fried many salty foods. It turned out tasting less salty than normal and I ended up using a lot of vinegar. i have to say I really appreciated the cook willing to accommodate my new dietary needs. The F&C was delicious!(NOTE: Looks like they closed 060815)
Subscribe to: Posts (Atom)


text:
Got it!
We'll remember your season preference for the rest of your visit.
You are viewing reviews from a season you previously selected.
Show all reviews
No reviews are available for the season you selected.
We booked on line & stayed one night only- which is often difficult to get on the Gold Coast. Large spacious appartment, secure parking, short stroll to the beach. Great Greek restaurant & bar nearby. Friendly managers.
My wife and I booked the Santorini for two nights to attend a wedding on the Gold Coast. Booking was easy and we arrived after hours and had no real problems getting the key. The apartment was well appointed and comfortable. Position was very good - easy access to the beach and plenty of eating options nearby. We had a...
We recently stayed in a beautiful apartment at Santorini. We loved the spacious apartment and as the weather was superb we used the pool, BBQ and lovely hot spa every day. It is a very short walk to the magnificent Nobbys Beach and we enjoyed long beach walks. Just outside the gate at Santorini are a myriad of shops and...
I never wrote a review. I hate the culture of complaining. I have traveled my whole life and I am very open minded when it comes to people, accommodation and so on.
But the manager at this place and his wife are just very unhappy people.I did not have any problems with them but the conversations around the pool and...
We stayed for 10 nights in a 3 bedroom apartment. The apartment decor itself was slightly dated however it was very clean and well managed. As there were 4 of us using 2 vehicles it was inconvenient only having 1 key fob as you need to use a key fob in order to access the parking.
The salt water pool,...
We stayed in a 2-bedroom apartment with our children. For the price only two positives can be said that they were clean & convenient (5mins) to the beach for our 2 nights accommodation. From booking in - it was apparent they were not busy at all. The rooms are OLD & DATED. The Bathroom & Showers could do with some...
My partner and I stayed at the Santorini for three nights in October last year. Being a special occasion I asked for high floor room, which was not delivered, I found the staff to be slightly unaccommodating at times, we required information on how to get to theme parks and a vague uninterested response is what we received.
Apart from...
I stayed in an apartment with some friends. I think the decor is quite outdated, and beds were a bit old and squeeky, but overall it was relatively clean and served its purpose for the price we were willing to pay for one night. If you don't want to be in Surfers Paradise then it's in a good location with...
We travelled with a relatively large group over the New Year period and couldn't have asked for a better experience. Nothing was too much trouble for Daniel and his team and all our requests were met in terms of changed and additional bedding etc.
These apartments are a good size and located in a great spot with everything you need...
These apartments are huge, which would be great if your here with your family. Plenty of room for the kids, balcony good size, bedrooms are a good size and the living area is huge.
There is a dining table and couches, kitchen has all you need with cutlery/plates/toaster pots and pans etc.
Bathrooms are great as in there is plenty...


text:
Choose Between Four Options
- C$75 for one two-hour soap- or lotion-making workshop (C$150 value)
- C$140 for two two-hour soap- or lotion-making workshops (C$300 value)
- C$195 for three two-hour soap- or lotion-making workshops (C$450 value)
- C$240 for four two-hour soap- or lotion-making workshops (C$600 value)
Click here to view the class schedule.
In an era of modern conveniences, there are many things we use often—but rarely give a second thought to. One of those things is soap. Luckily, places like Mellemee have revived the ancient and magical craft of soap-making. And at Mellemee, it's not just boring bars of soap, either. During workshops, visitors learn to mix, melt, pour, and even package soaps that look like candies, cupcakes, and chocolate bundt cakes. Suitable for all ages, the classes teach students how to make the colorful creations themselves, and also the importance of never eating soap, no matter how delicious it may look.
96% of 50 customers recommend
"our 5 years old and myself joined the soap making workshop. Great instructions by amazing instructor! we had a great time! Beautiful bars of soaps we designed..."
"our 5 years old and myself joined the soap making workshop. Great instructions by amazing instructor! we had a great time! Beautiful bars of soaps we designed are the best Christmas gift for his aunties'!"
"Alice was awesome!"
"great learning experience, it was a lot of fun"
10 Jopling Ave South
Etobicoke, ON M9B 3P5
+16478664813Get Directions
10 Cox Boulevard
Unit 1
Markham, ON L3R 4G2
+16478664813Get Directions
403 Dundas Street West
Toronto, ON M5T 1G6
+16478664813Get Directions


text:
Rainy Day Ideas for the Summer Holidays
So, the school holidays have finally arrived! A big cheer from most of us as we take a break from the school run, and the shouts of 'Uniform on!'. 'Eat your breakfast!', 'Shoes on!'…'Quick…we're going to be late!'
And as we long for sunny days playing in the park, garden and on the beach….it appears that the weather is not necessarily playing ball!
A real mixed bag here in Somerset today – cloudy, rain, heavy rain and gorgeous sunshine!
So what tricks have we got up our sleeves for those rainy days whilst at home or on holiday?
Rainy Day ideas for under £5
Need a secret stash to get you through the challenging days on the school holidays? All this is just £5! You can find all of this in our end of line offers!
Rainy Day Ideas for Under £10
Craft sets, scratch art sets and more will keep them busy! All this is available for under £10!
The forecast is good for tomorrow, so a day out is planned for us…but if the forecast is wrong again, then I may be calling on my secret stash of goodies
Happy Holidays!


text:
Written on: 02/11/2010
wish i could give it less than 1 star to be honest!
if you don't have problems all goos and well, but the moment you do nobdy will help you!
your network will blame apple, apple will blame network, insurance won;t cover because it's still in warranty an you will be stuck with a phone that doesn't work even though it was supplied like that in the first place.
i was told "you don't have proof that it was supplied like that so we can do it for £300"
do not fall for the iphone it is a CON.
normally with phones i just ring up my network, report the problem and they sort it out i can't believe how difficult it has been with the iphone - absolutely rubbish.
As rated by our community of reviewers
" THE BEST ITEM " Read More
" Great Smartphone " Read More
Written by markward260
" Great phone! " Read More
" Phone is good, but... " Read More
Written by apereira
" Keeps crashing " Read More


text:
The Security Council
In Brief...
- 15 members: five permanent members with veto power and ten non-permanent members, elected by the General Assembly for a two-year term.
- Meetings are called at any given time when the need arises.
- Rotating presidency: Members take turn at holding the presidency of the Security Council for one month.
Under the Charter, the Security Council has primary responsibility for the maintenance of international peace and security. It has 15 Members, and each Member has one vote. Under the Charter, all Member States are obligated to comply with Council decisions.
The Security Council takes the lead in determining the existence of a threat to the peace or act of aggression. It calls upon the parties to a dispute to settle it by peaceful means and recommends methods of adjustment or terms of settlement. In some cases, the Security Council can resort to imposing sanctions or even authorize the use of force to maintain or restore international peace and security.
The Security Council also recommends to the General Assembly the appointment of the Secretary-General and the admission of new Members to the United Nations. And, together with the General Assembly, it elects the judges of the International Court of Justice.
Latest News
Mali: peace process 'back on track' but vigilance necessary, says UN envoy
06 October 2015 The road towards peace and the implementation of an accord to end instability and violence in Mali is full of obstacles, the United Nations envoy for the country today told the Security Council, noting that these difficulties have been encountered sooner than he had expected.
Following latest deadly attack in Jerusalem, UN chief warns of 'dangerous slide towards escalation'
04 October 2015 United Nations Secretary-General Ban Ki-moon has strongly condemned the attacks on Saturday in the Old City of Jerusalem, including the killing of two members of an Israeli family and injuries to Israelis and Palestinians in subsequent incidents in various Jerusalem neighborhoods.


text:
We work in New Mexico to support animal welfare legislation, fight animal cruelty in all forms, rescue animals in danger and engage citizens to promote the protection of animals. Find out how you can help animals here in New Mexico and around the country. Frequently asked questions Contact Us
Meet Our Western Regional Director
Scott Beckstead is the HSUS western regional director, overseeing 13 states, including New Mexico. Contact the regional director
There are no action alerts in your state at this time. Please check back soon or join our email list to get the latest alerts.
Get Mobile Alerts
Text HSUSNM to 30644 to receive text alerts from The HSUS with ways to make a critical difference for animals in New Mexico. (Message and data rates may apply.)
Volunteer for the Animals
There are many ways to volunteer with us—from helping animals at our care centers, to assisting the HSUS Animal Rescue Team, to organizing community outreach. Learn More
October 2, 2015
On the Move: Watching out for migrating birds
September 21, 2015
Additional Volunteer Opportunities
September 17, 2015
HSUS Internship Opportunities
September 15, 2015
Interns, State Affairs—Various States
August 20, 2015
Special Projects Volunteer—District Leader Program


text:
I'll come up with 12 games every week. I'll have them up on Monday or Tuesday of each week. I'll only try to use teams from Major conferences or small conference teams that have a shot at being in the NCAA tourney, and I'll only choose games that are to be played on Friday - Sunday.
You'll pick the winners and post them here or on the GB10 thread, PM them to me, just get them to me. Whether you post them here or not, I will add them to the blog to make them easy to keep up with.
My thinking is that keeping up with the regular season will enhance your brackets come March.
as for the bowl pick 'em just submit your bowl picks before the game starts and you're good.
Good Luck!
This week's games:
(Rankings Reflect AP rankings and record at the begining of the week)
***Scoreboard ***
* Saturday *
There's only one game this weekend soooooo
bye week lol
Bowls (Feel free to pick ahead)
(Rankings reflect BCS rankings)
*Dec. 21th*
Beef 'O' Brady's Bowl
Southern Miss (8-4) vs Louisville (6-6) Louisville: 31-28
*Dec. 22nd*
Maaco Bowl
#19 Utah vs #10 Boise State Boise State: 26-3
*Dec. 23rd*
Poinsettia Bowl
Navy (9-3) vs San Diego State (8-4) San Diego State: 35-14
*Dec. 24th*
Hawaii Bowl
#24 Hawaii vs Tulsa (9-3) Tulsa: 62-35
*Dec. 26th*
Little Caesars Bowl
Florida International (6-6) vs. Toledo (8-4) Florida International: 34-32
*Dec. 27th*
Independance Bowl
Air Force (8-4) vs. Georgia Tech (6-6) Air Force: 14-7
*Dec. 28th*
Champs Sports Bowl
#22 West Virginia vs. NC State (8-4) NC State: 23-7
Insight Bowl
#12 Missouri vs. Iowa (7-5) Iowa: 27-24
*Dec. 29th*
Military Bowl
East Carolina (6-6) vs Maryland (8-4) Maryland: 51-20
Texas Bowl
Illinois (6-6) vs. Baylor (7-5) Illinois: 38-14
Alamo Bowl
#14 Oklahoma State vs. Arizona (7-5) Oklahoma State: 36-10
*Dec. 30th*
Armed Forces Bowl
Army (6-6) vs. SMU (7-6)
Pinstripe Bowl
Kansas State (7-5) vs. Syracuse (7-5)
Music City Bowl
North Carolina (7-5) vs. Tennessee (6-6)
Holiday Bowl
#18 Nebraska vs. Washington (6-6)
*Dec. 31st*
Meineke Bowl
South Florida (7-5) vs. Clemson (6-6)
Sun Bowl
Notre Dame (7-5) vs. Miami (FL) (7-5)
Liberty Bowl
#25 UCF vs. Georgia (6-6)
Chick-Fil-A Bowl
#20 South Carolina vs. #23 Florida State
*Jan. 1st*
TicketCity Bowl
Northwestern (7-5) vs. Texas Tech (7-5)
Capital One Bowl
#16 Alabama vs. #9 Michigan State
Outback Bowl
Florida (7-5) vs. Penn State (7-5)
Gator Bowl
#21 Mississippi State vs. Michigan (7-5)
Rose Bowl
#5 Wisconsin vs. #3 TCU
Fiesta Bowl
Connecticut (8-4) vs. #7 Oklahoma
My Basketball Picks:
Basketball Picks:SportsJunkie76---- --
mattries37315------ --
Basketball pick standings:(Correct picks, S/N, weeks participated)
17. SportsJunkie76 (2)
16. CoachBib13 (2) , EagleMtnAirtax (2)
15. TexYat (2)
12. mattries37315 (2) , redwingsNSK (2)
11. wildcatsfan1 (2)
10. ramblinon (2)
9. Bradman125 (1)
7. LilMagill2 (1)
6. Hoosierguy1019 (1)
Weekly Highs:
Week 1: EagleMtnAirtax- (10-2)
Week 2: SportsJunkie76- (9-3)
My Bowl Picks: 10 (14 games played)
welp.. they had a chance
Everybody else took them... lol pook kicker
Gonna take the Aztecs here. SDSt played a great season. Beat Air Force, Navy has been winnning but besides the East Carolina demolition nothing stands out for me.
Two top 10 offenses but hawaii actually plays some defense... and they're home of couse.
idk, always an obscure game with an obscure team winnning lol. Toledo only lost to Northern Illinois in conference. FIU beat Troy. when you know nothing about either team you cant really go wrong.
Air Force had a good year this year. I really like this team and think they match up well against G tech. G tech has the #1 rushing offense in the country... Air Force has the #2.
Should be a really good game. West Virginia has a very strong defense and average offense while NC State is good on offense and defense. West Virginia really caught their stride at the end of the season.
Iowa played horribly down the stretch. Sure they've had time to correct their issues but....
East Carolina held a team below 27 once the entire season. Their defense is terrible. This East Carolina team killed me in the iddle of the season. Maryland also has the fridge factor... maybe they play harder for their coach on his way out. Maybe they lay down...
I'll compare Baylor to a baby Michigan. All offense, no defense to be found. Now they played 3 good teams at the end of their schedule but losing your last 3 isnt exactly gaining momentum going into the bowl season.
I really wanted to take Arizona but couldnt here. I like them, wouldnt mind seeing them win. I could see them trying to get into a shootout but i think OK State has more firepower, despite thier lesser defense.
Bowl Picks:
Mattries37315-------- 5
wildcatsfan1--------- - 7
Hoosierguy1019------ 9
LilMagill2------------- 6
ramblinon------------- 5
Meuse2Win----------- 4
EagleMtnAirtax----- - 4
redwingsNSK--------- 5
TexYat---------------- 6
Broncos#7--------- ----NA 5
Bradman125----------- 5
Bowl Pick standings:
(14 games played)10. Coach Bib13, Hoosierguy1019
9. wildcatsfan1 , TexYat
8. LilMagill2 , Broncos#7
7. ramblinon, RedwingsNSK
6. Mattries37315 , Meuse2Win , EagleMtnAirtax
5. Bradman125
Bib's Pick 'em Winners
Bib's College Football Pick 'em 3: redwingsNSK(2010)
Bib's College Bball Pick 'em 2: SportsJunkie76
Bib's Bowl Pick 'em 2: Valencourt
Bib's College Football Pick 'em 2: Overall-Valencourt. Per Week average-Valencourt (2009)
Bib's College Basketball Pick 'em: Overall - Wingnut 4Life, Per Week Average redwingsNSK
Bib's Bowl Pick 'em: Wingnut 4life
Bib's College Football Pick 'em: Overall - Fresh LA Style and Drookabeeyacht, Per Week Average- Phanaholic (2008)


text:
All Android applications categories
All Android games categories
by: Bnc | 0
**This application does almost nothing as is!**
Super Key will unlock and give you Pro features, as well as no ads in all of my current, and future applications. Instead of purchasing single licenses for each application, you can make a one time purchase that's valid for everything, while helping me continue development.
Tags: bnc pro , bnc , shortcut renamer rename apps , bnc for droid 3


text:
The Routt County Office of Emergency Management is advising residents and businesses to prepare for high water this spring. Typically snowmelt and rainfall cause the Yampa River and its tributaries to swell close to or beyond flood Continue reading
Tag Archives: tributaries
Routt County High Water Plan Available Online
Posted in News
Tagged debris removal, flood stage, high water, rainfall, Routt County Office of Emergency Management, safety, sandbagging, snowmelt, tributaries, Yampa River
Tipton Questions USDA's Water Claims
Yesterday, Congressman Scott Tipton (R-CO) questioned U.S. Department of Agriculture Undersecretary Robert Bonnie during a House Agriculture Subcommittee hearing to review the Interpretive Rule Regarding the Applicability of Clean Water Act Agricultural Exemptions. During the hearing, Tipton contested Bonnie's claims that agriculture producers' access to water would be Continue reading
Posted in News
Tagged Clean Water Act, Congressman Scott Tipton, Environmental Protection Agency, EPA, Forest Service Groundwater Directive, groundwater, House Agriculture Subcommittee, Interpretive Rule Regarding the Applicability of Clean Water Act Agricultural Exemptions, navigable, regulatory overreach, streams, surface water, tributaries, U.S. Department of Agriculture, Undersecretary Robert Bonnie, water


text:
EU opens anti-trust probe into Qualcomm
The EU launched an anti-competition probe Thursday into US computer chip giant Qualcomm, the latest of a series of investigations into top American companies.
The EU launched an anti-competition probe Thursday into US computer chip giant Qualcomm, the latest of a series of investigations into top American companies.
Although the iPod's popularity has waned, Apple is updating its music player for the first time in nearly three years by giving the flagship Touch model a faster processor and better cameras.
A method for designing materials capable of slowing the propagation of light over a broad range of wavelengths has been developed by researchers at the A*STAR Institute of High Performance Computing.
Social computing researchers have teamed up with a top London creative marketing and communications agency to create a new social media analytics programme.
Microsoft will launch Windows 10 on July 29.
A study carried out by researchers from Robotics and Cybernetics Research Group (RobCib) at Centre for Automation and Robotics (CAR) has used a drone to measure the temperature, humidity, luminosity and carbon dioxide concentration ...
The revelation that the data breach at the U.S. government's personnel office was actually much worse than the government originally thought is following a familiar script.
Random-access memory, or RAM, is where computers like to store the data they're working on. A processor can retrieve data from RAM tens of thousands of times more rapidly than it can from the computer's disk drive.
A novel scheme to generate optical Schrödinger cat states leads to unprecedented size and preparation rate.
Facebook unveiled a new tool Thursday giving users more control of what they see in their news feeds, allowing them to override the choices made by algorithm.


text:
One of the first hiking blogs to come out of Australia and stand the test of time, is Neil Fahey's Bushwalking Blog. He's a bit of a pioneer in the area and his efforts have been an inspiration to many - not just to get outdoors and go walking - but to jump into blogging. Oh and to top it off... he's a nice bloke too! He's recently launched a new online business (AussieHikingTours.com) that is a … [Read more...]
Queenstown in Winter – More than just skiing
If you're like me, and didn't grow up in a family of skiers, the thought of hitting a resort town in winter probably leaves you colder than a top station in a blizzard... if you even know what that means. It's the thought of all those wind blown red noses, goggle tans and ludicrously fluffy apres ski boots, traipsing around on a Seven 11 brown slushi of ice on the ground, that could leave the … [Read more...]
13 Tips to using a Menstrual Cup
One of the annoying little things about being a woman who loves the outdoors, is deciding how to manage your period out in the wilderness. I say little things because in the scheme of things, once you're out there, breathing clean air, hauling butt up a ridgeline, the hope is that having the painters in or surfing the crimson wave isn't going to affect your experience. Well, that's the hope … [Read more...]
New Adventure Magazine for Women
I've never really thought of the outdoors or the concept of adventure as having a gender. I go out there and experience wild places just the same as my male friends do, seeing the same things, hearing the same things, placing our feet and hands in the same places. However, I've been thinking a bit lately about the things I feel in these places and I'm wondering if they're unique to being female … [Read more...]
How to Remove a Tick
Every few weeks I escape the Monday to Friday routine by meeting up with a fellow self employed friend and together, we skive off for a few hours feeling the freedom of being in the bush and going for a hike whilst most other people are at work, keeping their wilderness dreams for the weekend. We don't usually venture too far from home and living in Sydney means that we are not only surrounded … [Read more...]
Walking Kangaroo Island – The Video!
I recently posted about my fun trip hiking on South Australia's Kangaroo Island, but it's taken a while for me to get around to editing the video! Well, wait no more... here is part 1 of my walking Kangaroo Island video, starring my fabulous buddies Frances, Lisa and Marcia, as we take on the challenge to walk every tourist walking trail in the western part of the island in 3 days. I hope you … [Read more...]
Pack Weight Saving Tip: Sunscreen
I'm always looking for ways to reduce my overall pack weight, without losing comfort or impacting personal safety. Reason being, I really want to bushwalk long into my 70s (and hopefully 80s) and want to do everything possible to protect my knees and joints! It's surprising how lots of little reductions can end up making a big impact. This week's tip is a pertinent one, as I have just … [Read more...]
Recipe for Tiramisu when hiking
Here's a completely decadent (yet dead easy) dessert, for when you've had a tough day on the track. I made it on the last day of a 6 day trip to a remote part of Western Australia and it was the perfect celebratory end to a great week exploring the Kimberley region. Ingredients Savoiardi Biscuits (aka Italian Ladyfingers) 1 per person 1 Coffee bag 1 packet Tiramisu mix … [Read more...]
How to find South with the Southern Cross
Thinking back to when I made the leap from day walks to overnight walks, I remember being struck (not literally!) by the night sky. The sheer immensity of light and beauty, that danced above my head throughout the night, was one of those awe inspiring moments that even today, 15 years later, constantly surprises me when I get up for my 2am pee. https://youtu.be/kRlCbrl9dgw I reckon the … [Read more...]
How to Pack Cheese for Hiking Lunches
I reckon that one of the best things about spending time in the bush, is being able to enjoy good food out there, with amazing views and great friends. It's just like going to the best restaurant in town, only with a view and ambience that they'll never be able to compete with. When it comes to hiking lunches, I've tended to toe the food safety line and only carry processed cheese such as Laughing … [Read more...]
- 1
- 2
- 3
- …
- 6
- Next Page »


text:
Ever wondered why toll both collectors wear latex gloves? Blogger PJ of Broke in the Suburb explains. She used to work as a bank teller and recently wrote all about why money disgusts her.
Aside from all the nasty stuff she saw on cash itself, I never really thought about some of the sides of life you would see working as a bank teller. In particular, I loved the story about the woman who insisted a ghost was writing bad checks on her account. I'll have to try that one!
Anybody else out there worked as a bank teller? What's the weirdest thing you have witnessed?
Want FREE help eliminating debt & saving your first (or next) $100,000?
Money Under 30 has everything you need to know about money, written by real people who've been there. Enter your email to receive our free weekly newsletter and MoneySchool, our free 7-day course that will help you make immediate progress on whatever money challenge you're facing right now.
We'll never spam you and offer one-click unsubscribe, always.


text:
FOOTBALL: 'No evidence' of match-fixing in Oxford City match
Mark Edwards, Sports Editor. Call me on 01865 425451 / / Sport
The Football Conference say there is "no evidence" that an Oxford City fixture was involved in match-fixing last season.
A report by Federbet, the European organisation which monitors suspicious gambling patterns, claimed 11 games in England – ten of which were played in the Conference – have fallen victim to betting fraud.
City's 1-1 draw at home to Workington on Tuesday, December 10, is one of the games listed as being under scrutiny.
But the Conference issued a strongly-worded statement expressing their disappointment in the report from the Belgium-based company.
"The Football Conference works closely with the Football Association on all matters concerning integrity within our sport," their statement said.
"This relationship with the Football Association includes liaison around any suspicious betting activity or patterns.
"At this time, there is no evidence that any of the fixtures specifically listed by Federbet, relating to our competition, have been the subject of report or investigation.
"Therefore we are at a loss to understand what evidence may exist for Federbet to make such claims?
"Federbet has not consulted with the Football Conference about making such alleged information public."
- Highlights from the Oxford City v Workington game
City chairman Brian Cox was equally surprised at the report.
"This is news to us," he said. "We know nothing about it."
City goalkeeper Mark Scott saved two penalties in the game, which saw Adam Learoyd put City ahead only for Ben McKenna to level for Workington in the second half.
Cox added: "It was a terrible game. The ball was hardly ever on the ground."
Latest Sport news
Liam Sercombe loving life at Oxford United
12:30pm Monday 5th October 2015
LIAM Sercombe declared he is having the time of his footballing life at Oxford United after scoring two late goals in a 3-1 victory at Accrington Stanley.
Oxford United fans' chat
11:59am Monday 5th October 2015
Have your say on the main talking points at Oxford United in our 60-minute interactive discussion for supporters.
Back-to-back wins 'almost perfect', says Oxford United head coach Michael Appleton
8:30am Monday 5th October 2015
MICHAEL Appleton hailed an "almost perfect" week as Oxford United added a 3-1 win at Accrington Stanley to their midweek victory at York City.
FOOTBALL: Justin Merritt full of praise for Oxford City
8:10am Monday 5th October 2015
JUSTIN Merritt hailed Oxford City after their 4-0 win at Chelmsford City in Vanarama National League South.
FOOTBALL: Abingdon United's goal drought continues
8:00am Monday 5th October 2015
Abingdon United extended their goalless run to three gameswhen they lost 4-0 away to Binfield in the Uhlsport Hellenic League Premier Division on Saturday.
Oxford United's finishing was key, says John Coleman
7:30am Monday 5th October 2015
OXFORD United's clinical edge in the final third was key to their victory, according to beaten Accrington Stanley manager John Coleman.
FOOTBALL: Williams's first-half hat-trick sparks North Leigh's derby victory
7:00am Monday 5th October 2015
A superb first-half hat-trick by Morgan Williams gave North Leigh a 4-2 victory away to Bishops Cleeve in the preliminary round of the FA Trophy on Saturday.
FOOTBALL: Stunning Oxford City go on rampage in stunning second half + VIDEO
7:00am Monday 5th October 2015
Dominant Oxford City hit four second-half goals at Chelmsford City to strengthen their hold on second place in Vanarama National League South with a 4-0 win.
VIDEO: Watch highlights from Oxford United's win at Accrington Stanley
12:00pm Sunday 4th October 2015
SEE the key moments as Oxford United won for the second time on the road in the space of five days with a 3-1 success at Accrington Stanley.
Accrington Stanley 1 (Crooks 70), Oxford Utd 3 (O'Dowda 21, Sercombe 79 & 87)
4:57pm Saturday 3rd October 2015
LIAM Sercombe scored twice in the final 11 minutes to give Oxford United their second away victory in five days.
Promoted Stories
Comments are closed on this article.


text:
|Número de publicación
|Tipo de publicación
|Número de solicitud
|Fecha de publicación
|13 Dic 2001
|Fecha de presentación
|14 Mar 2001
|Fecha de prioridad
|14 Mar 2000
|También publicado como
|Número de publicación
|Elaine Mason
|Cesionario original
|Mason Elaine Scott
|Exportar cita
|BiBTeX, EndNote, RefMan
|Citas de patentes (28), Citada por (58), Clasificaciones (26), Eventos legales (5)
|Enlaces externos: USPTO, Cesión de USPTO, Espacenet
[0001] This application is related to, and claims the benefit of the earlier filing date of U.S. Provisional Patent Application (Serial No. 60/189,224), filed Mar. 14, 2000, entitled "Early-Payment Discount for E-billing System," the entirety of which is incorporated herein by reference.
[0002] 1. Field of the Invention
[0003] The present invention relates to e-commerce customer-support services, and particularly, to enhanced features for a web-based billing system tool enabling customers to pay their invoices relating to telecommunications products and services on-line.
[0004] 2. Discussion of the Background
[0005] Currently, there is no telecommunications enterprise or vendor providing telecommunications services that provide a fully integrated communications offering on the Internet with comprehensive product and services information, including electronic billing analysis and interactive customer support. In the area of billing for telecommunications products funds transfer (EFT) or public switched telephone network (PSTN) dial-up credit card payment of their invoices.
[0006] Existing comprehensive world-wide-web/Internet-based invoicing and payment systems (hereinafter "e-Billing") enables customers to easily receive and analyze their invoices, and, in addition, enable customers to pay their invoices, electronically via electronic funds transfer. This "e-Billing" system includes a comprehensive software and system infrastructure that provides a variety of tools for enabling customers of telecom companies to receive, analyze and pay their invoices by a variety of methods, via a single comprehensive interface.
[0007] It is becoming increasingly desirable for telecommunications enterprise customers to pay their invoices "on-line", due to the ease of processing and cost reduction from the view point of the billing enterprise. However, many customers have been resistant to conduct any e-business transactions on-line and are unwilling to pay their invoices electronically, for a variety of reasons.
[0008] Thus, to promote on-line customer invoice payment, it would be highly desirable to employ an Early Payment Discount ("EPD") mechanism enabling providing an incentive for customers to receive an early payment discount on invoice current charges for paying their invoice electronically through the E-Billing service within a designated number of days from receipt of their invoice.
[0009] The present invention addresses the above stated needs by providing an early payment discount mechanism for an e-billing system that provides an incentive for customer's early payment of invoice current charges.
[0010] According to one aspect of the invention, there is provided an Early Payment Discounts ("EPD") mechanism that enables customers to automatically receive an early payment discount for paying their invoice electronically, e.g., via electronic funds transfer, EFT, through an e-Billing system within a designated number of days from receipt of invoice. The designated number of days is determined by the business case and may change periodically, e.g., every six months. Any EPD discount provided is based on the current invoice charges. The EP percentage discount is automatically calculated depending upon the date that the EFT payment is made. EFT account payment screens will automatically display the percentage discounts depending and the time period of EPD availability. As an example, on-line customers may receive a first discount amount, e.g., of two percent (2%) for EFT payment within a first set time period, e.g., five (5) days, of receiving the invoice, or, a second smaller discount amount, e.g., one percent (1%), for EFT payment within a second set time period, e.g., ten (10) days, of receiving the invoice. It is the case that early payment discounts do not apply to past due amounts, and preferably apply only if the user submits payment for the full amount. In the preferred embodiment, the EPD mechanism implements a rate table representing the two tiers (e.g., 2% and 1%). Each month, when the invoices are received from the enterprise billing system, a calculation is performed based on the eligibility criteria. If the criteria are met, that invoice appears online with a 'discounted' or 'adjusted' total amount due for each tier. The payment section of the application displays the amount of the discount and the date it should be paid in order for the customer to receive the discount.
[0011] Further to this, multiple discount periods may be offered with the percentage of discount varying by the date payment is made.
[0012] Advantageously, the EPD system of the invention reduces the enterprises "Days Receivable Outstanding" thus, providing significant savings the telecommunciations enterprise.
[0013] A more complete appreciation of the invention and many of the attendant advantages thereof will be readily obtained as the same becomes better understood by reference to the following detailed description when considered in connection with the accompanying drawings, wherein:
[0014]FIG. 1 is a diagram of an e-billing system architecture employing an early-payment discount (EPD) mechanism, in accordance with an embodiment of the present invention;
[0015]FIG. 2 is a diagram of a process for generating EPD incentives for inclusion in on-line customer invoices, according to an embodiment of the present invention;
[0016] FIGS. 3(a) and 3(b) are diagrams of an example electronic bill statement and presentment system 200 employed by a third-party for generating on-line invoices having the EPD incentive, according to an embodiment of the present invention;
[0017] FIGS. 4(a)-4(e) are diagrams of exemplary web pages providing the users invoice/payment screens including the EPD incentive, according to an embodiment of the present invention; and
[0018]FIG. 5 is a diagram of a computer system that performs in accordance with an embodiment of the present invention.
[0019] In the following description, for the purpose of explanation, specific details are set forth in order to provide a thorough understanding of the invention. However, it will be apparent that the invention may be practiced without these specific details. In some instances, well-known structures and devices are depicted in block diagram form in order to avoid unnecessarily obscuring the invention.
[0020] Although the present invention is discussed with respect to an Internet-based billing system, it is recognized that the present invention has applicability to any packet switched network.
[0021] As shown in FIG. 1, there is depicted a physical hardware architecture of an exemplary e-billing system 100 (e.g., the MCIWorldcom Interact system). As shown in FIG. 1, there is provided a billing system represented as cloud 110. Relating specifically to e-Billing, a link via a double firewall 125 a is provided to interface the billing system 100 with a third-party vendor electronic bill statement and presentment system 200 that functions to generate and present on-line billing invoices for customers of the telecommunications enterprise over the Internet via double firewall 125 b. In operation, a file including a customers billing/invoice data is provided by the Billing system (e.g., accounts receivable department) to the third-party system 200 where web-pages including corresponding versions of the customer invoices are generated and posted on-line. Customers initially do not have access to the web based invoices. Instead, the on-line invoices are available to the enterprise audit department which checks the invoices for format compliance and billing total amount accuracy. As soon as the on-line version of the invoices are approved by the audit department, they are flagged as available on-line and the third party system 200 notifies the customer and posts the invoices on-line for the customer access. Via public Internet 120 access through the MCI "Interact" web server portal to the suite of web-based applications including the e-billing application (not shown), the customer's may pay their invoices.
[0022] FIGS. 2, 3(a)-3(c) particularly depict a data flow summary 300 and the invoice generation process involving the billing enterprise and the third-party electronic bill statement and presentment system for generating invoices and applying EPD discount according to the invention. As shown in FIG. 2, a first step 303 depicts generally, the step of providing the customer invoice data to the third-party electronic billing and presentment system 200 (FIG. 1). This information may be provided in flat format files to the third-party system and may comprise softcopy images of the customers paper invoices. Preferably, a process is performed whereby data is extracted from the enterprise legacy billing system 110 and transported to a common data store maintained by the third party system 200. As depicted in FIG. 3(a), there are two methods in which a billing system 110 may provide bill data to the third party e-billing payment and presentment system 200: by either providing a filtered extract 125 including only those bills destined for electronic delivery, or, they can provide a non-filtered extract 150 that includes all bills. In the latter scenario, the third-party system is required to match bill data against an enrollment store 190 as depicted in FIG. 3(a). There are several formats that the billing system may provide to the third-party system 200 including, but not limited to: AFP (IBM's Advanced format printing), Line Data, Xerox Metacode, and electronic data interchange (EDI) electronic file format. Once the extract has been completed by the billing system 110, the data is then routed to the third-party system 200 for processing. Implementing known techniques, a dedicated communication circuit may be used to route this data to the third party system for high volume billers, or a Value Added Network (VAN) 175 may be implemented as well for receiving the data and routing data to the billing database. Once the data has been sent to the VAN, the third-party system 200 sweeps the assigned VAN mailbox on a regular basis to obtain bill data and load it to an interim data store 180 on an electronic bill presentment and payment ("EBPP") server 195, as shown in FIG. 3(c). As further shown in FIG. 2, at step 309, business rule criteria for applying EPD to the invoice billing data for customers is transmitted to the third-party system for application to the invoices. As will be explained in greater detail herein, this billing data includes the discount period(s) and one or more levels of discount percentages for the billing period. Then, as shown in FIG. 2, there is the step performed by the third-party system of processing the extracted customer data and generating invoices for on-line presentation. This step is depicted in greater detail in FIGS. 3(b) and 3(c).
[0023] Referring to FIG. 3(b), once customer invoice data has been loaded to the interim data store 180 on the EBPP server 180, it is parsed for loading into a database, e.g., Oracle database 210. This process involves several steps, including known processes such as facilitated by BlueGill™ software available from BlueGill Technologies, Inc, the content and disclosure of which is incorporated by reference herein. First, the raw input file is moved to a working directory that is monitored by a continuously running splitter process 182 in a server. Once the file arrives in this directory, the splitter 182 automatically begins the process of splitting the file into distinct statements, generating a single working file for each. Also during this process, the splitter parses each statement for key information such as the account number, invoice amount. The splitter process only generates a working file 205 for those statements whose account number matches with an account in the enrollment data store 190. This step assumes that a statement definition file 192 a and an extract definition file 192 b have been previously created and loaded to the server. These files 192 a,b define how to locate key elements within the statement, and which elements will be extracted and loaded as a discreet bill on the server. Second, the working files 205 are input to a second working directory that is monitored by an extract process 184 continuously running on the server. The extract process begins processing statements as soon as the working files 205 arrive. The extract process parses through each work file (statement) based on the location of information defined in the extract definition, and extracts key elements that were defined in the statement definition. This information is then compressed into a Binary large object (BLOB) (except for key fields such as account and statement date) and loaded to the Oracle database 210 as a distinct statement record to be later accessed via a web-based server interface. Once all working files 205 have been processed, the process repeats with the next extract from the billing enterprise.
[0024] The actual generation of the final on-line (HTML) invoice is now described with respect to FIG. 3(c). As illustrated in FIG. 3(c), the third-party EBPP server 195 hosts the Oracle database 210 that warehouses all customer invoice data in a format accessible by the web-server interface. The stored bills include all necessary information to generate a complete invoice for the customer including bill summary, bill detail, and all data elements originally defined in the statement definition. A method is additionally invoked to apply business rules for determining whether the customer may receive an EPD discount, and if determined that a EPD discount is to be applied, generated additional data including the discount amount, and the discount availability period. The primary output mechanism is a web-server interface which services requests from various processes and acts as the sentry between requesting processes, e.g., an HTML server 250 and the Oracle® database 210. Compressed customer invoice data in the database is instantiated only on request via the interface which serves requests from a web application, or alternately from scheduled processes from a Consolidated Service Provider (CSP) that facilitates the transport of information.
[0025] Before bill data is presented to the customer, HTML presentation templates are implemented which serves as the "frame" within which invoice data will be presented. The invoice data includes the EPD discount data, including the amount of the discount and the discount availability period, for presentment on the on-line customer invoice.
[0026] Returning now to FIG. 2, as indicated at step 315, prior to making the on-line invoice available to the customer, the third party system informs the audit department of the billing system that the web pages containing invoice frames are available for audit/review. Audit review of the generated on-line invoice is depicted at step 318 and is typically performed manually to ensure that the generated on-line invoice conforms to the original paper invoice. At this step, a verification is made that the EPD data is correctly applied for that customer and that the EPD amount and expiration dates are correctly indicated.
[0027] Then, at step 321, if the auditing department approves of the on-line html version of the invoice, the third party system is notified at step 324. If an error is detected in the invoice, for example, an incorrect total invoice amount, the audit department assigns that invoice a severity code, and informs the third-party system accordingly. Based on the severity code, the third-party system will regenerate the html invoice, for further audit approval, e.g., for high severity codes, or correct the error and continue with the posting of the invoice to the customer.
[0028] Assuming that the audit process has approved the generated on-line invoice, and given that the audit process may take a day or more to process, the third-party system automatically recalculates the discount availability periods for accuracy at step 324, and generates a notification via e-mail that the customer's invoice is now available on-line for the customer. Preferably, the date of email notice of statement posting must be stored for calculation of start and end dates and, discounts are to be stored until the next statement.
[0029] Referring back to FIG. 3(c), once the approved HTML templates are loaded, the EBPP server 195 processes requests using the web application that has been developed.
[0030] As customers 99 access the Interact web site via computer devices 99 executing a web-browser (e.g., preferably including Netscape or Internet Explorer v4.0 or higher), they may first authenticate themselves by entering their User ID and password. E-billing system authorizations are based on customer profile information maintained by the system and an Interact Universal Authentication ("UA") system which implements a UA server 145 (FIG. 1) for providing a real-time interface with the e-Billing system 100. The User Authentication system process is described in greater detail in commonly owned, co-pending U.S. patent application Ser. No. 00/000,000 (COS-99-027, Attorney Docket 11042y) entitled UNIVERSAL AUTHENTICATION FOR COMMUNICATIONS NETWORK MANAGEMENT, the disclosure of which is incorporated herein by reference thereto. After successful log-in and access to the e-billing system, the HTML web server receives a customer request and passes it to the web application, which in turn generates a request to the interface. The interface receives the request, processes the authentication against the enrollment store, and returns a response to the web application. The web application generates the resulting HTML using the pre-built templates and serves the response to the customer. This process is essentially the same for all requests, whether they be for authentication, presentment of invoice summary, invoice detail including applicable EPD discount, or otherwise. However, as requests for invoice data are processed, the content is instantiated from the database 210 by the Interface.
[0031] Finally, as depicted in FIG. 2, at step 327, a customer logs in to the Interact system web-site and selects the e-billing option. As the request is made from the customer, the EPD data is calculated, and the invoice data and EPD data, is populated within the HTML template, and the entire HTML page is returned to the customer 99 for viewing via HTML web server 250 (FIG. 3(c)). The templates are built for web-direct delivery.
[0032] In the preferred embodiment, any EPD discount provided is based on the current invoice charges. The invoice screens will thus, automatically calculate the percentage discount depending upon the date that the EFT payment is made. As an example, on-line customers may receive a first discount amount, e.g., of two percent (2%) for EFT payment within a first set time period, e.g., five (5) days, of receiving the invoice, or, a second smaller discount amount, e.g., one percent (1%), for EFT payment within a second set time period, e.g., ten (10) days, of receiving the invoice. It is understood that the enterprise marketing team preferably determines the discount terms including the designated number of days and these terms are determined by the business case and may change periodically, e.g., every six months. It is the case that early payment discounts do not apply to past due amounts, and preferably apply only if the user submits payment for the fall amount. In the preferred embodiment, the EPD mechanism employed by the third-party billing system implements a rate table (not shown) representing the two tiers (e.g., 2% and 1%). Each month, when the invoices are received from the enterprise billing system 100, a calculation is performed based on the eligibility criteria. If the criteria is met, that invoice appears online with a 'discounted' or 'adjusted' total amount due for each tier. The payment section of the application displays the amount of the discount and the date it should be paid in order for the customer to receive the discount.
[0033]FIG. 4(a) illustrates a typical "current" invoice web-based display screen 400 including html frame 402 generated in accordance with the e-billing system described herein. As shown is a bar 401 indicating the current billing period, the name of the account, the invoice date and number. Further provided are fields that are populated with the account data including: a total charges field 404 populated with the current invoice charges; a field 406 populated with the total outstanding charges amount (unpaid balance); and, a field 410 populated with the total amount due. A "pay now" button 415 selectable by the user is provided to initiate an EFT payment against the invoice.
[0034] Alternately, as shown in FIG. 4(a), from a menu bar 411 providing other user e-billing system options, the user may select a "pay invoice" button 412 for initiating payment of the invoice.
[0035] Upon selection of either the "pay now" button 415 or, the "pay invoice" button 412, an EPD home page 425 is displayed at the user browser as illustrated in FIG. 4(b). In FIG. 4(b), the EPD home page 425 includes an html frame 430 presenting the customer with a banner 432 explaining the EPD discount option for the customer. The frame is further populated with information 435 for enabling immediate EFT payment of the invoice by customer selection of the Pay button 440, or, make a later scheduled payment by selection of Schedule button 445. The EFT payment information is automatically populated with the bank account information, invoice date, number, total current charges, and the calculated EPD amount 437 based on the applied percentage, and, the total amount due 439 when the discount is applied. Provided in the frame 430 is a banner 447 indicating what percentage is being applied for the EPD, and which is populated with the re-calculated date 449 indicating the time period within which the EPD is effective. It is understood that this date is calculated based on the on-line invoice posting date. Furthermore, according to the invention, it is understood that the web application executing on the BG EBPP server (FIG. 3(c)) pre-populates the calculated EPD amount 437, the total amount due 439 and, the re-calculated date 449 depending upon the point in time when the customer has accessed the on-line invoice. For instance, if the user has accessed the on-line invoice 11 days after the posted invoice date, then that customer would not be eligible for the first tier of discount, e.g., 2% within ten (10) days of invoice date, and accordingly the EPD home screen 425 will not display the first tier EPD criteria. However, if the customer is within a second tier EPD criteria, the EPD home screen will be automatically populated with the second tier discount criteria, e.g., 1% within 20 days of invoice date, for example. This principle applies for each EPD tier when multiple discount periods are offered with the percentage of discount varying by the date payment is made.
[0036] Upon selection of the "pay now" button 440 from the EPD home page, an electronic payment confirmation home page 450 is displayed at the user browser as illustrated in FIG. 4(c). In FIG. 4(c), the e-payment confirmation page 450 includes an html frame 460 presenting the customer with information confirming electronic payment of that invoice including the application of the discount, i.e., EPD credit amount 462, and the payment amount with the EPD credit applied 464. It is understood that, for effecting the EPD, the customer must adhere to the following business rules: 1) customer must pay electronically within 10 days, for example, from the date the invoice was posted; 2) customer must have no outstanding charges from your previous month's invoice; and, 3) customer must pay the invoice in fall.
[0037] If on the other hand, the user has selected the Schedule button 445 from the EPD home page 425, a scheduled payment page 475 is displayed at the user browser as illustrated in FIG. 4(d). In FIG. 4(d), scheduled e-payment edit page includes an html frame 480 that includes an entry field 486 that enables the customer to enter an EPD date, and, a banner 481 reminding the user to take advantage of the EPD discount by scheduling the payment date on a date no later than the determined discount expiration date 484 which is populated by the system. After the user enters a payment date, the user clicks a continue button 487 where a scheduled EDP confirmation screen 490 is displayed at the user browser as illustrated in FIG. 4(e).
[0038] In FIG. 4(e) the scheduled EDP confirmation screen 490. Preferably, the web application executing on the BG EBPP server (FIG. 3(c)) makes a determination as to whether the customer entered scheduled payment date is within the applicable EPD discount time window. If the scheduled payment date is outside the window, a banner 491 is displayed on html frame 492 reminding the user that the scheduled payment date was greater than the EPD discount time window, and that, the customer may reschedule the payment for prior to the determined discount expiration date 484 by returning to the schedule e-payment edit page 475 (FIG. 4(d)). Otherwise, if the user desires to maintain the payment terms without the discount, the customer enters the submit button 494. Thus, no discount will be applied as shown in the EPD field 437 which indicates no discount.
[0039] It should be understood that, besides making a determination as to whether the customer entered scheduled payment date is within the applicable EPD discount time window. the calculation is made as to whether the EPD discount is to be applied.
[0040]FIG. 5 illustrates a computer system upon which an embodiment according to the present invention may be implemented. Computer system 501 includes a bus 503 or other communication mechanism for communicating information, and a processor 505 coupled with bus 503 for processing the information. Computer system 501 also includes a main memory 507, such as a random access memory (RAM) or other dynamic storage device, coupled to bus 503 for storing information and instructions to be executed by processor 505. In addition, main memory 507 may be used for storing temporary variables or other intermediate information during execution of instructions to be executed by processor 505. Computer system 501 further includes a read only memory (ROM) 509 or other static storage device coupled to bus 503 for storing static information and instructions for processor 505. A storage device 511, such as a magnetic disk or optical disk, is provided and coupled to bus 503 for storing information and instructions.
[0041] Computer system 501 may be coupled via bus 503 to a display 513, such as a cathode ray tube (CRT), for displaying information to a computer user. An input device 515, including alphanumeric and other keys, is coupled to bus 503 for communicating information and command selections to processor 505. Another type of user input device is cursor control 517, such as a mouse, a trackball, or cursor direction keys for communicating direction information and command selections to processor 505 and for controlling cursor movement on display 513.
[0042] According to one embodiment, the e-billing functions are provided by computer system 501 in response to processor 505 executing one or more sequences of one or more instructions contained in main memory 507. Such instructions may be read into main memory 507 from another computer-readable medium, such as storage device 511. Execution of the sequences of instructions contained in main memory 507 causes processor 505 to perform the process steps described herein. One or more processors in a multi-processing arrangement may also be employed to execute the sequences of instructions contained in main memory 507. In alternative embodiments, hard-wired circuitry may be used in place of or in combination with software instructions. Thus, embodiments are not limited to any specific combination of hardware circuitry and software.
[0043] Further, the functions of the e-billing system may reside on a computer-readable medium. The term "computer-readable medium" as used herein refers to any medium that participates in providing instructions to processor 505 for execution. Such a medium may take many forms, including but not limited to, non-volatile media, volatile media, and transmission media. Non-volatile media includes, for example, optical or magnetic disks, such as storage device 511. Volatile media includes dynamic memory, such as main memory 507. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise bus 503. Transmission media can also take the form of acoustic or light waves, such as those generated during radio wave and infrared data communication.
[0044] Common forms of computer-readable media include, for example, a floppy disk, a flexible disk, hard disk, magnetic tape, or any other magnetic medium, a CD-ROM, any other optical medium, punch cards, paper tape, any other physical medium with patterns of holes, a RAM, a PROM, and EPROM, a FLASH-EPROM, any other memory chip or cartridge, a carrier wave as described hereinafter, or any other medium from which a computer can read.
[0045] Various forms of computer readable media may be involved in carrying one or more sequences of one or more instructions to processor 505 for execution. For example, the instructions may initially be carried on a magnetic disk of a remote computer. The remote computer can load the instructions relating to e-billing functions remotely into its dynamic memory and send the instructions over a telephone line using a modem. A modem local to computer system 501 can receive the data on the telephone line and use an infrared transmitter to convert the data to an infrared signal. An infrared detector coupled to bus 503 can receive the data carried in the infrared signal and place the data on bus 503. Bus 503 carries the data to main memory 507, from which processor 505 retrieves and executes the instructions. The instructions received by main memory 507 may optionally be stored on storage device 511 either before or after execution by processor 505.
[0046] Computer system 501 also includes a communication interface 519 coupled to bus 503. Communication interface 519 provides a two-way data communication coupling to a network link 521 that is connected to a local network 523. For example, communication interface 519 may be a network interface card to attach to any packet switched local area network (LAN). As another example, communication interface 519 may be an asymmetrical digital subscriber line (ADSL) card, an integrated services digital network (ISDN) card or a modem to provide a data communication connection to a corresponding type of telephone line. Wireless links may also be implemented. In any such implementation, communication interface 519 sends and receives electrical, electromagnetic or optical signals that carry digital data streams representing various types of information.
[0047] Network link 521 typically provides data communication through one or more networks to other data devices. For example, network link 521 may provide a connection through local network 523 to a host computer 525 or to data equipment operated by a service provider, which provides data communication services through a communication network 527 (e.g., the Internet). LAN 523 and network 527 both use electrical, electromagnetic or optical signals that carry digital data streams. The signals through the various networks and the signals on network link 521 and through communication interface 519, which carry the digital data to and from computer system 501, are exemplary forms of carrier waves transporting the information. Computer system 501 can transmit notifications and receive data, including program code, through the network(s), network link 521 and communication interface 519.
[0048] The techniques described herein provide several advantages over prior approaches to executing payment of bills over an on-line system. This arrangement advantageously provides an integrated e-billing system for payment and analysis of invoice information.
[0049] While the invention has been particularly shown and described with respect to preferred embodiments thereof, it will be understood by those skilled in the art that the foregoing and other changes in form and details may be made therein without departing from the spirit and scope of the invention. More specifically, the system administrative and early payment discount system described may apply to any generic applications available via the Web and is not limited to the telecommunications industry.
|Patente citada
|Fecha de presentación
|Fecha de publicación
|29 Jul 1994
|11 Feb 1997
|Borland International, Inc.
|Methods for hypertext reporting in a relational database management system
|31 Oct 1995
|16 Dic 1997
|Mastercard International, Inc.
|System and method for bill delivery and payment over a communications network
|15 Ago 1996
|3 Mar 1998
|Teleflex Information Systems, Inc.
|Method and apparatus for processing discrete billing events
|6 Feb 1997
|28 Jul 1998
|Borland International, Inc.
|Methods for hypertext reporting in a relational database management system
|2 Jun 1995
|3 Nov 1998
|International Business Machines Corporation
|Method and system for bill presentation and payment reconciliation
|14 Dic 1995
|9 Feb 1999
|Cybercash, Inc.
|Electronic transfer system and method
|6 Ago 1997
|16 Mar 1999
|Continental Cablevision, Inc.
|Telecommunication user account management system and method
|9 Dic 1996
|16 Mar 1999
|Sun Microsystems, Inc.
|Method and system for electronic bill payment
|5 Jun 1997
|11 May 1999
|Intuit, Inc.
|Personal online banking with integrated online statement and checkbook user interface
|7 Mar 1997
|1 Jun 1999
|France Telecom
|Method of prepaying for consumption of telephone calls
|8 Jul 1997
|21 Sep 1999
|Midwest Payment Systems
|System and method for paying bills and other obligations including selective payor and payee controls
|8 Oct 1997
|5 Oct 1999
|Visa International Service Association
|Electronic statement presentment system
|19 Sep 1996
|19 Oct 1999
|Manufacturing Management Systems, Inc.
|Method and apparatus for industrial data acquisition and product costing
|21 Nov 1997
|2 Nov 1999
|Craig Michael Watson
|Integrated bill consolidation, payment aggregation, and settlement system
|24 Oct 1997
|23 Nov 1999
|Ge Capital
|System and method for pre-authorization of individual account transactions
|3 Nov 1997
|30 Nov 1999
|Mci Communications Corporatioin
|System and method for establishing and managing links among customer accounts maintained within a telecommunications system
|4 Nov 1997
|4 Abr 2000
|A.T.&T. Corporation
|Method and apparatus for billing for transactions conducted over the internet
|6 Abr 1999
|18 Abr 2000
|Avista Advantage, Inc.
|Computerized bill consolidation, billing and payment authorization with remote access to the billing information
|30 Oct 1995
|23 May 2000
|Clear With Computers
|Integrated computerized sales force automation system
|3 Mar 1998
|11 Sep 2001
|Checkfree Corporation
|Electronic bill processing
|11 Ene 1999
|17 Dic 2002
|David Philip Cook
|Method and system for custom manufacture and delivery of a data product
|14 Sep 1999
|9 Sep 2003
|Jay S. Walker
|Method and apparatus for administering a survey
|12 Mar 1998
|30 Ago 2001
|Steve Goldband
|Interactive customer support for computer programs using network connection of user machine
|8 Mar 2001
|1 Nov 2001
|Mcnair Edward Parry
|Bill paying with the aid of a scanner
|4 Dic 2000
|29 Nov 2001
|Perell William S.
|Data certification and verification system having a multiple- user-controlled data interface
|1 Mar 2001
|28 Feb 2002
|Paperless online merchant account approval and provisioning system and method therefor
|6 May 1999
|19 Sep 2002
|Warren S. Gifford
|Unified communication services via e-mail
|23 Abr 2004
|9 Dic 2004
|Checkfree Corporation
|Device for conducting secure transactions over a network
|Patente citante
|Fecha de presentación
|Fecha de publicación
|2 May 2000
|4 Sep 2007
|Fast 101 Pty Ltd.
|Invoiceless trading and settlement method and system
|16 Ago 2001
|20 May 2008
|Robert Alan Neubert
|Method of maximizing accounts payable discounts
|29 Jun 2005
|2 Jun 2009
|Oracle International Corp.
|Browser based remote control of functional testing tool
|7 Jul 2006
|2 Mar 2010
|Trading Technologies International Inc.
|Regulating order entry in an electronic trading environment to maintain an actual cost for a trading strategy
|16 Ene 2007
|11 May 2010
|William James Duncan
|Invoiceless trading and settlement method and system
|31 May 2001
|6 Jul 2010
|Oracle America, Inc.
|Methods and systems for delivery of information upon enrollment in an internet bill presentment and payment environment
|26 Jun 2006
|18 Ene 2011
|Tc3 Health, Inc.
|Healthcare claims loss control systems and methods
|31 Ene 2000
|17 May 2011
|Jpmorgan Chase Bank, N.A.
|System and method for integrating trading operations including the generation, processing and tracking of and trade documents
|14 Ene 2010
|9 Ago 2011
|Trading Technologies International Inc.
|Regulating order entry in an electronic trading environment to maintain an actual cost for a trading strategy
|5 Abr 2010
|31 Ene 2012
|Jpmorgan Chase Bank, N.A.
|System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
|24 Jun 2011
|10 Abr 2012
|Trading Technologies International Inc.
|Regulating order entry in an electronic trading environment to maintain an actual cost for a trading strategy
|14 Ene 2011
|24 Jul 2012
|Tc3 Health, Inc.
|Healthcare claims loss control systems and methods
|16 Jun 2011
|14 Ago 2012
|Jpmorgan Chase Bank, N.A.
|System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
|14 Oct 2005
|21 Ago 2012
|David Alan Haley
|Method for facilitating a transaction between buyers and sellers
|18 Jun 2009
|4 Dic 2012
|American Express Travel Related Services Company, Inc.
|System and method for flexible deferred payment terms
|6 Jul 2012
|9 Jul 2013
|Jpmorgan Chase Bank, N.A.
|System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
|15 Mar 2013
|20 Ago 2013
|Fast 101 Pty Ltd.
|Invoiceless trading and settlement method and system
|5 Jun 2008
|27 Ago 2013
|The Western University Company
|Consolidated payment options
|2 Mar 2012
|10 Sep 2013
|Trading Technologies International, Inc.
|Regulating order entry in an electronic trading environment to maintain an actual cost for a trading strategy
|1 Dic 2004
|8 Oct 2013
|Jpmorgan Chase Bank, N.A.
|Methods and systems for discounts management
|18 Jun 2009
|19 Nov 2013
|American Express Travel Related Services Company, Inc.
|System and method for flexible election of payment terms
|7 Ene 2009
|7 Ene 2014
|Jpmorgan Chase Bank, N.A.
|System and method for processing transactions using a multi-account transactions device
|12 Feb 2008
|25 Feb 2014
|Fast 101 Pty Ltd.
|Invoiceless trading and settlement method and system
|6 Sep 2007
|4 Mar 2014
|American Express Travel Related Services Company, Inc.
|System and method for flexible payment terms
|13 Ago 2008
|3 Jun 2014
|Moneygram International, Inc.
|Electronic bill payment with variable payment options
|24 Nov 2003
|10 Jun 2014
|Verizon Data Services Llc
|Methods and systems for preemptive rejection of calls
|24 Nov 2003
|10 Jun 2014
|Verizon Data Services Llc
|Methods and systems for CPN triggered collaboration
|24 Nov 2003
|24 Jun 2014
|Telesector Resources Group, Inc.
|Methods and systems for notification of call to device
|24 Nov 2003
|24 Jun 2014
|Verizon Data Services Llc
|Methods and systems for automatic forwarding of communications to a preferred device
|24 Nov 2003
|24 Jun 2014
|Telesector Resources Group, Inc.
|Methods and systems for single number text messaging
|20 Feb 2014
|24 Jun 2014
|Fast 101 Pty Ltd.
|Invoiceless trading and settlement method and system
|17 Jun 2013
|1 Jul 2014
|Verizon Data Services Llc
|Interactive assistant for managing telephone communications
|24 Nov 2003
|5 Ago 2014
|Verizon Data Services Llc
|Methods and systems for computer enhanced conference calling
|16 Ene 2014
|5 Ago 2014
|American Express Travel Related Services Company, Inc.
|System and method for flexible payment terms
|27 Feb 2002
|28 Oct 2014
|Verizon Patent And Licensing Inc.
|Method and apparatus for calendared communications flow control
|26 Jul 2013
|30 Dic 2014
|The Western Union Company
|Consolidated payment options
|13 Nov 2013
|16 Jun 2015
|Jpmorgan Chase Bank, N.A.
|System and method for financial services device usage
|14 Oct 2011
|22 Sep 2015
|Bill.Com, Inc.
|Enhanced electronic data and metadata interchange system and process for electronic billing and payment system
|22 Jun 2001
|27 Dic 2001
|Praveena Varadarajan
|Method and system hosting of multiple billers in an internet bill presentment and payment environment
|25 Ago 2003
|1 Jul 2004
|Juei-Mei Wang
|System and method for managing accounts payable
|28 Feb 2003
|2 Sep 2004
|Mabrey Sheila M.
|Methods and systems for managing accounts payable
|12 Mar 2004
|11 Nov 2004
|Andrew Greene
|Electronic bill presentation and payment system
|1 Dic 2004
|22 Dic 2005
|Mcrae Xuan
|Methods and systems for discounts management
|29 Jun 2005
|4 Ene 2007
|Oracle International Corporation
|Browser based remote control of functional testing tool
|26 Jun 2006
|11 Ene 2007
|Bregante George J
|Systems and methods for scoring loss control opportunities in healthcare claims
|26 Jun 2006
|11 Ene 2007
|Bregante George J
|Healthcare claims loss control systems and methods
|26 Jun 2006
|11 Ene 2007
|Bregante George J
|Systems and methods for determining indications of fraud in healthcare claims
|5 Jun 2008
|1 Ene 2009
|The Western Union Company
|Consolidated Payment Options
|18 Jun 2009
|8 Oct 2009
|American Express Travel Related Services Company, Inc.
|System and method for flexible deferred payment terms
|13 Ago 2008
|18 Feb 2010
|Gordon Smith
|Electronic bill payment with variable payment options
|24 Ago 2009
|29 Abr 2010
|American Express Travel Related Services Company, Inc.
|System and method for rewarding a consumer based upon positive behavior of a group
|13 Oct 2011
|Jpmorgan Chase Bank, N.A.
|System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
|9 Feb 2012
|Bill.Com, Inc.
|Enhanced Electronic Data and Metadata Interchange System and Process for Electronic Billing and Payment System
|1 Nov 2012
|Jpmorgan Chase Bank, N.A.
|System and Method for Varying Electronic Settlements Between Buyers and Suppliers with Dynamic Discount Terms
|12 Sep 2012
|21 Mar 2013
|Konica Minolta Business Technologies, Inc.
|Service provision system including plurality of subsystems for providing the same service, and service provision method
|14 May 2013
|10 Oct 2013
|Jpmorgan Chase Bank, N. A.
|System and Method for Varying Electronic Settlements Between Buyers and Suppliers with Dynamic Discount Terms
|16 Ene 2014
|17 Jul 2014
|Inworks Servicing, LLC
|Method and System for Improving Performance of Endowments
|11 Abr 2014
|7 Ago 2014
|At&T Intellectual Property I, L.P.
|Methods, Systems, and Products for Distributing Digital Media
|Clasificación de EE.UU.
|705/40, 705/39, 705/14.35, 705/14.39, 705/26.1
|Clasificación internacional
|Clasificación cooperativa
|Clasificación europea
|27 Feb 2003
Owner name: WORLDCOM, INC., MISSISSIPPI
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:MASON, ELAINE SCOTT;REEL/FRAME:013450/0190
Effective date: 20010705
|3 May 2007
Owner name: MCI, LLC, NEW JERSEY
Free format text: MERGER;ASSIGNOR:MCI, INC.;REEL/FRAME:019247/0162
Effective date: 20060109
Owner name: MCI, INC., VIRGINIA
Free format text: CHANGE OF NAME;ASSIGNOR:WORLDCOM, INC.;REEL/FRAME:019247/0735
Effective date: 20040419
Owner name: MCI, INC., VIRGINIA
Free format text: CHANGE OF NAME;ASSIGNOR:WORLDCOM, INC.;REEL/FRAME:019244/0543
Effective date: 20040419
|17 Dic 2010
Owner name: VERIZON BUSINESS GLOBAL LLC, NEW JERSEY
Free format text: CHANGE OF NAME;ASSIGNOR:MCI, LLC;REEL/FRAME:025523/0801
Effective date: 20061120
|22 Abr 2014
Owner name: VERIZON PATENT AND LICENSING INC., NEW JERSEY
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:VERIZON BUSINESS GLOBAL LLC;REEL/FRAME:032734/0502
Effective date: 20140409
|2 Jul 2014
|Fee payment
Year of fee payment: 4