Rovi Technologies Corporation

Other

Rovi Guides, Inc.

United Video Properties, Inc.

David Barber

Patrick J Hughes

William Junkin

Michael Treger

A system and method for providing a corporate 'co-signor' for potential purchasers of an automobile who do not meet captive lender or standard bank approval guidelines. The corporate co-signor does not sign or execute loan documents alongside the purchaser in a manner similar to co-signors in the prior art, but instead guarantees the loans that are underwritten using a 'cosignloan' product implemented in agreement with a captive lender. The loan is based on a payment-to-income (PTI) basis, supported by the security provided by the corporate co-signor. The dealer will then be able to use the &#x201c;cosignloan&#x201d; product parameters to provide appropriate new, used, or certified pre-owned vehicles to the customer/purchaser. The corporate co-signor receives an administration fee for each loan. The administration fee, in one embodiment, is sent to a reserve account by the captive lender from the dealer booking proceeds. The reserve account is controlled by the corporate co-signor and the captive lender, and has specific debit and credit guidelines to ensure that sufficient funds are available to pay defaulted loans for a particular year until all loans booked in that year are satisfied.

System and method for establishing and managing reserve accounts associated with automotive loan approval

Systems and methods for integrating graphic animation technologies with fantasy sports contest applications are provided. This invention enables a fantasy sports contest application to depict plays in various sporting events using graphic animation. The fantasy sports contest application may combine graphical representation of real-life elements such as, for example, player facial features, with default elements such as, for example, a generic player body, to create realistic graphic video. The fantasy sports contest application may provide links to animated videos for depicting plays on contest screens in which information associated with the plays may be displayed. The fantasy sports contest application may play the animated video for a user in response to the user selecting such a link. In some embodiment of the present invention, the fantasy sports contest application may also customize animated video based on user-supplied setup information. For example, the fantasy sports contest application may provide play information and other related data to allow a user to generate animated videos using the user's own graphics processing equipment and graphics animation program.

Systems and methods for integrating graphic animation technologies in fantasy sports contest applications

The fantasy sports contest application of the present invention alerts the user of necessary roster changes before an upcoming fantasy sports competition. The fantasy sports contest application may evaluate the user's team roster before an upcoming fantasy sports competition to ensure that all roster spots on the team roster are filled with athletes available for real-life competitions. The fantasy sports contest application may also identify roster changes and roster transactions that may be beneficial to a user's fantasy sports contest team roster. The fantasy sports contest application may recommend roster changes and roster transactions to the user by evaluating the performance of athletes using performance criteria. The performance criteria can be based on the past performance of athletes, either overall, or for certain situations. The performance criteria may be predefined by the system, user-editable, or any suitable combination thereof.

Systems and methods for roster management in fantasy sports contest applications

Systems and methods for providing multimedia highlight segments featuring real-life action related to fantasy sports competition. Links to highlight segments are provided in conjunction with fantasy sports contest information. A Highlight Center is provided with links to compilations of highlight segments featuring the best action culled from a pool of highlight segments. The user may be alerted of newly available highlight segments affecting fantasy scoring while the user watches a fantasy sports related television broadcast.

Fantasy sports contest highlight segments systems and methods

Advertisements are displayed in a fantasy sports contest application in conjunction with fantasy sports contest information and may be interactive in nature. The advertisements may be used to inform the user of prizes being awarded for performance in the fantasy sports contest based on real-time action in a related sports broadcast. The advertisements may be intelligently scheduled around events in a related sports broadcast. The advertisements may be selected according to a user's demonstrated interests. The advertisements may be targeted to the user's specific geographic location. The advertisements may also be used to inform a user of an awarded prize, and to enable the user to claim the awarded prize.

Systems and methods for providing advertisements in a fantasy sports contest application

Systems and methods for using an interactive television program guide application to access fantasy sports contests are presented. In some embodiments of the present invention, the interactive television program guide application may display information indicating to a user that one or more programs is related to a fantasy sports contest. In some embodiments of the present invention, the application may provide to the user a schedule of programs related to one or more fantasy sports contests in which the user participates. The application may provide additional features to fantasy sports contestants including automatic recording of programs related to a user's fantasy sports contest, playback of highlight video clips for events that affect a user's fantasy sports contest standing, and targeted advertisements for fantasy sports contests.

Systems and methods for using an interactive television program guide to access fantasy sports contests

Systems and methods are presented for presenting advertisements to users of a fantasy sports contest application. Advertisements are displayed in conjunction with fantasy sports contest information and may be interactive in nature. The advertisements may be selected according to a user profile. The user profile may include information on the user's demonstrated interests, which may be determined using the user's preferences in the fantasy contest, prior television viewing habits, and other suitable information.

The fantasy sports contest application of the present invention alerts the user of necessary roster changes before an upcoming fantasy sports competition. The fantasy sports contest application may evaluate the user's team roster before an upcoming fantasy sports competition to ensure that all roster spots on the team roster are filled with athletes available for real-life competitions. The fantasy sports contest application may also identify roster changes and roster transactions that may be beneficial to a user's fantasy sports contest team roster.

Growing community of inventors

Tulsa, OK, United States of America

David Barber