We claim:
1. A data transmitting apparatus comprising:
a means for inputting digital contents;
a means for encoding additional information as invisible electronic watermark information and embedding the encoded information into said digital contents; and
a means for outputting the digital contents into which said invisible electronic watermark information is embedded.
2. A contents distributing apparatus for visibly arranging additional information on digital contents and distributing the contents, comprising:
a receiver means for receiving a first information signal consisting of the digital contents in which additional information is embedded as invisible electronic watermark information;
a decoding means for decoding the additional information as invisible electronic watermark information embedded into said received first information signal and extracting it as visible watermark information; and
a visible watermark information superimposing means for superimposing the extracted visible watermark information into the digital contents to form a second information signal;
said contents distribution apparatus distributing said additional information as visible information together with said digital contents.
3. A contents distributing apparatus for visibly arranging additional information on digital contents and distributing the contents, comprising:
a receiver means for receiving a first information signal consisting of the digital contents in which additional information is embedded as invisible electronic watermark information;
a decoding means for decoding the additional information as invisible electronic watermark information embedded into the received first information signal and extracting it as visible watermark information;
a visible watermark information superimposing means for superimposing the extracted visible watermark information into the digital contents to form a second information signal; and
a selector means for selecting and outputting said first information signal or second information signal,
said contents distribution apparatus distributing said additional information as visible information together with said digital contents.
4. A contents distributing apparatus for visibly arranging additional information on digital contents and distributing the contents, comprising:
a receiver means for receiving a first information signal consisting of the digital contents in which additional information is embedded as invisible electronic watermark information;
a memory means for storing digital contents in the received information signal;
a decoding means for decoding the additional information as invisible electronic watermark information embedded into said received information signal and extracting it as visible watermark information;
a visible watermark information superimposing means for superimposing the extracted visible watermark information into the digital contents read out of said memory means to form a second information signal, and
a means for outputting the second information signal,
said contents distribution apparatus distributing said additional information as visible information together with said digital contents.
5. The contents distribution apparatus, according to claim 2, wherein said additional information is either right owner information or information on viewinglistening restriction.
6. The contents distribution apparatus, according to claim 3, wherein said additional information is either right owner information or information on viewinglistening restriction.
7. The contents distribution apparatus, according to claim 4, wherein said additional information is either right owner information or information on viewinglistening restriction.
8. A contents distribution system for distributing digital contents, comprising:
a transmitting means for encoding additional information as invisible electronic watermark information, embedding the encoded information into said digital contents and transmitting the digital contents with the additional information to a network as a first information signal; and
a distributing means for receiving said first information signal from the network, decoding the additional information as the embedded invisible electronic watermark information, extracting it as visible watermark information, superimposing it again into the digital contents to form a second information signal, and transmitting the signal,
the contents distribution system distributing the digital contents with the additional information visibly arranged thereon.
9. A data storage apparatus capable of visibly arranging additional information on digital contents and outputting the digital contents of this arrangement, comprising:
an input means for receiving a first information signal consisting of digital contents in which additional information is embedded as invisible electronic watermark information;
a memory means for storing the digital contents in the received information signal;
a decoding means for decoding the additional information as invisible electronic watermark information embedded in said received information signal and extracting it as visible watermark information;
a visible watermark information superimposing means for superimposing the extracted visible watermark information into the digital contents read out of said memory means to form a second information signal; and
an output means for outputting the second information signal,
wherein said input means and said output means are configured as an interface of a file system, and are capable of outputting said additional information as visible information together with said digital contents.
10. A digital contents distribution method of visibly arranging additional information on digital contents and distributing the digital contents of this arrangement,
said method comprising the steps of:
receiving a first information signal consisting of the digital contents in which the additional information is embedded as invisible electronic watermark information;
decoding the additional information as invisible electronic watermark information embedded in the received information signal and extracting it as visible watermark information; and
superimposing the extracted visible watermark information into the digital contents to form a second information signal,
wherein said additional information is distributed as visible information together with said digital contents.
11. A digital contents distribution method of visibly arranging additional information on digital contents and distributing the digital contents of this arrangement,
said method comprising the steps of:
receiving a first information signal consisting of the digital contents in which the additional information is embedded as invisible electronic watermark information;
decoding the additional information as invisible electronic watermark information embedded in the received first information signal and extracting it as visible watermark information;
superimposing the extracted visible watermark information into the digital contents to form a second information signal; and
selecting and outputting said first information signal or second information signal,
wherein said additional information is distributed as visible information together with said digital contents.
12. A digital contents distribution method of visibly arranging additional information on digital contents and distributing the digital contents of this arrangement,
said method comprising the steps of:
receiving a first information signal consisting of the digital contents in which the additional information is embedded as invisible electronic watermark information;
storing the digital contents in the received information signal;
decoding the additional information as invisible electronic watermark information embedded in the received information signal and extracting it as visible watermark information;
superimposing the extracted visible watermark information into the digital contents read out of said memory means to form a second information signal; and
outputting the second information signal;
wherein said additional information is distributed as visible information together with said digital contents.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A computer-readable medium comprising computer-readable instructions for insurance, said computer-readable instructions comprising instructions that:
receive data from an issuer of a financial card, the data pertaining to a purchase made by a user with the financial card at a merchant, the data comprising a purchase amount of the purchase and a merchant category code (MCC) of the merchant;
determine that the purchase amount exceeds a threshold purchase amount;
determine that the MCC matches a predetermined MCC of a plurality of predetermined MCCs;
generate a listing of each item associated with the purchase and providing the listing to the user;
receive from the user an insurance indication with respect to each item in the listing; and
insure each item in the listing in accordance with the insurance indication for each item in the listing.
2. The computer-readable medium of claim 1, wherein the financial card comprises a credit card or a prepaid card.
3. The computer-readable medium of claim 1, wherein each of the plurality of predetermined MCCs has an associated threshold purchase amount, and wherein the instructions that determine that the purchase amount exceeds the threshold purchase amount comprises instructions that determine that the purchase amount exceeds the associated threshold purchase amount of the predetermined MCC that matches the MCC of the merchant of the purchase.
4. The computer-readable medium of claim 1, wherein the instructions that generate the listing of each item associated with the purchase comprises instructions that receive item data of each item associated with the purchase from the user.
5. The computer-readable medium of claim 1, wherein the instructions that generate the listing of each item associated with the purchase comprises instructions that receive item data of each item associated with the purchase from the merchant.
6. The computer-readable medium of claim 1, further comprising instructions that request an acceptance from the user to insure at least one item in the listing and receive the acceptance from the user, and only insure the at least one item upon receiving the acceptance.
7. The computer-readable medium of claim 6, wherein the acceptance is requested from the user via email or instant messaging.
8. An insurance method, comprising:
providing a computer having an insurance processor and an inventory generator;
receiving data, by the insurance processor from an issuer of a financial card, the data pertaining to a purchase made by a user with the financial card at a merchant, the data comprising a purchase amount of the purchase and a merchant category code (MCC) of the merchant;
determining, by the insurance processor, that the purchase amount exceeds a threshold purchase amount;
determining, by the insurance processor, that the MCC matches a predetermined MCC of a plurality of predetermined MCCs;
then generating a listing of each item associated with the purchase and providing the listing to the user by the inventory generator;
receiving at the insurance processor from the user an insurance indication with respect to each item in the listing; and
insuring, by the insurance processor, each item in the listing in accordance with the insurance indication for each item in the listing.
9. The method of claim 8, wherein the financial card comprises a credit card or a prepaid card.
10. The method of claim 8, wherein each of the plurality of predetermined MCCs has an associated threshold purchase amount, and wherein determining that the purchase amount exceeds the threshold purchase amount comprises determining that the purchase amount exceeds the associated threshold purchase amount of the predetermined MCC that matches the MCC of the merchant of the purchase.
11. The method of claim 8, wherein generating the listing of each item associated with the purchase comprises receiving item data of each item associated with the purchase from the user.
12. The method of claim 8, wherein generating the listing of each item associated with the purchase comprises receiving item data of each item associated with the purchase from the merchant.
13. The method of claim 8, further comprising requesting an acceptance from the user to insure at least one item in the listing and receiving the acceptance from the user, and only insuring the at least one item upon receiving the acceptance.
14. The method of claim 13, wherein the acceptance is requested from the user via email or instant messaging.
15. An insurance system, comprising:
at least one subsystem that receives data from an issuer of a financial card, the data pertaining to a purchase made by a user with the financial card at a merchant, the data comprising a purchase amount of the purchase and a merchant category code (MCC) of the merchant;
at least one subsystem that determines that the purchase amount exceeds a threshold purchase amount;
at least one subsystem that determines that the MCC matches a predetermined MCC of a plurality of predetermined MCCs;
at least one subsystem that generates a listing of each item associated with the purchase and providing the listing to the user;
at least one subsystem that receives from the user an insurance indication with respect to each item in the listing; and
at least one subsystem that insures each item in the listing in accordance with the insurance indication for each item in the listing.
16. The system of claim 15, wherein the financial card comprises a credit card or a prepaid card.
17. The system of claim 15, wherein each of the plurality of predetermined MCCs has an associated threshold purchase amount, and wherein determining that the purchase amount exceeds the threshold purchase amount comprises determining that the purchase amount exceeds the associated threshold purchase amount of the predetermined MCC that matches the MCC of the merchant of the purchase.
18. The system of claim 15, wherein generating the listing of each item associated with the purchase comprises receiving item data of each item associated with the purchase from the user.
19. The system of claim 15, wherein the at least one subsystem that generates the listing of each item associated with the purchase comprises at least one subsystem that receives item data of each item associated with the purchase from the merchant.
20. The system of claim 15, further comprising at least one subsystem that requests an acceptance from the user to insure at least one item in the listing and receives the acceptance from the user, and only insures the at least one item upon receiving the acceptance.
21. The system of claim 20, wherein the acceptance is requested from the user via email or instant messaging.