03rd week of 2013 patent applcation highlights part 45 |
Patent application number | Title | Published |
20130018716 | METHOD AND APPARATUS FOR ADMINISTERING A REWARD PROGRAM - The method and apparatus for administering a reward program includes a central controller that stores a series of registrations, each of which corresponds to a purchaser of a product. The central controller calculates a measurement of product success, such as the number of products sold or the market share of the product, and determines if the measurement is within a predetermined range. The central controller may determine if the number of products sold exceeds a predetermined threshold, and a set of registrations are selected as “early-adopter” registrations that thereby define a set of early-adopter purchasers. The central controller may select a set of registrations having ordinal positions within a predetermined range of positions, so that early-adopter purchasers are defined. If the measurement of product success is within the predetermined range, a reward, such as a refund or a free product, may be provided to each early-adopter purchaser. | 2013-01-17 |
20130018717 | INFORMATION PROCESSING APPARATUS, REBATE PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, REBATE PROCESSING METHOD, AND REBATE PROCESSING SYSTEMAANM Sabe; KohtaroAACI TokyoAACO JPAAGP Sabe; Kohtaro Tokyo JPAANM Iwama; TakashiAACI TokyoAACO JPAAGP Iwama; Takashi Tokyo JPAANM Kamitani; HiroshiAACI TokyoAACO JPAAGP Kamitani; Hiroshi Tokyo JPAANM Shimizu; OsamuAACI KanagawaAACO JPAAGP Shimizu; Osamu Kanagawa JPAANM Takiguchi; MasashiAACI TokyoAACO JPAAGP Takiguchi; Masashi Tokyo JP - An information processing apparatus includes an electric power related information obtaining unit mounted on or connected to equipment and configured to obtain electric power related information with regard to the equipment and a communication unit configured to transmit the electric power related information obtained by the electric power related information obtaining unit to a rebate processing apparatus connected via a network. A rebate processing apparatus includes a communication unit configured to receive electric power related information transmitted from an information processing apparatus mounted on or connected to equipment via the network, a rebate reference calculation unit configured to calculate a rebate reference functioning as a reference for a rebate processing on the basis of the electric power related information, and a rebate processing unit configured to perform a predetermined rebate processing on the basis of the rebate reference. | 2013-01-17 |
20130018718 | System and Method for Providing Advertising Content in an Electronic Group ConversationAANM Cumming; Joel GeorgeAACI WaterlooAACO CAAAGP Cumming; Joel George Waterloo CA - A system and method are provided for detecting a change in membership of a group of participants in a group conversation in a messaging application to define a new group of participants. Information common to all members in the new group of participants is determined using profiles associated with each member in the new group of participants. Advertising content associated with the common information is determined and provided to each participant in the new group. | 2013-01-17 |
20130018719 | ANALYZING EFFECTS OF ADVERTISING - One or more systems, processes, and models are provided to determine the effectiveness of different elements of an advertising campaign. Using the one or more systems, processes, and models, advertising effectiveness metrics are determined that indicate the relative effectiveness of the different elements of the campaign. A model may be generated by the system using information about the manner in which consumers are exposed to advertisements. The information, for example, can include a history of exposures to advertisements in the campaign that occur before a user submits input, such as a survey response. In addition, the information also can include a history of exposures to advertisements in the campaign that occur after the user submits input, such as a survey response. As a result, the effectiveness can be distributed across multiple exposures experienced by consumers rather than a single exposure. | 2013-01-17 |
20130018720 | METHODS AND SYSTEMS FOR PROCESSING ADVERTISEMENT INTERACTIONS FOR INTERNET ADVERTISING - Computer systems and methods for processing advertisement interactions are provided. In some embodiments, the computer systems and methods may comprise serving an advertisement to an Internet-connectable device in response to an advertisement request; receiving advertisement interaction data resulting from a user interaction with the advertisement; determining an application to execute on the Internet-connectable device based on the advertisement interaction data; and causing the Internet-connectable device to execute the application. | 2013-01-17 |
20130018721 | METHODS AND SYSTEMS FOR TRACKING ELECTRONIC COMMERCE TRANSACTIONS - Systems and methods are disclosed for tracking user access to an advertisement and user transactions with an electronic commerce computer associated with the advertisement. In accordance with one aspect of the disclosed technology, a transaction tracking computer associates an identifier with each access (e.g., click) of an advertisement. Transactions that occur at the electronic commerce computer that are related to the advertisement will be reported to the transaction tracking server together with the identifier. In one embodiment, if the reported transaction is a duplicate of a previously reported transaction, then the reported transaction is determined to be invalid. In one embodiment, if the reported transaction occurs more than a predetermined amount of time after the time the identifier was initially generated, then the reported transaction will also be determined to be invalid. | 2013-01-17 |
20130018722 | SYSTEM AND METHOD FOR GENERATING A KEYWORD BIDAANM Libby; Bradd EldenAACI SarpsborgAACO NOAAGP Libby; Bradd Elden Sarpsborg NO - A method for generating at least one keyword bid is provided. The method comprises accessing, over a computer network, marketing keyword data including bid data, advertising spend data, and revenue data, estimating a first relationship between the revenue data and the bid data, estimating a second relationship between the advertising spend data and the bid data, and generating at least one keyword bid based at least in part on the first relationship and the second relationship. | 2013-01-17 |
20130018723 | SEARCH-AWARE CONDITIONAL BIDDING ON ADVERTISEMENT DISPLAYAANM KHANNA; AmitAACI SunnyvaleAAST CAAACO USAAGP KHANNA; Amit Sunnyvale CA US - Systems, methods, and computational solutions are discussed herein relating to the selection and assignment of show and no-show bids to advertisements based on overlap and/or association between search results and advertisements presented in conjunction therewith. Advertisers may provide ads with show and no-show bids to vary ad presentation cost based on search results. Systems and methods for enabling and enacting such bid and ad display techniques are disclosed herein. | 2013-01-17 |
20130018724 | BUYER GROUP INTERFACE FOR A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018725 | BUYER GROUP TARGETED ADVERTISING IN A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018726 | Communicating Personalized Messages Using Quick Response (QR) Codes - In some embodiments, a method includes receiving an identification of an intended recipient of a physical package and a personalized message having content based on the identity of the intended recipient. The method further includes identifying a uniform resource locator (URL) comprising a reference to a webpage that displays the personalized message and one or more advertisements regarding products or services related to the physical package. A Quick Response (QR) code encoding the URL comprising the reference to the webpage that displays the personalized message and the one or more advertisements may be generated. The method further includes transmitting the personalized message and the one or more advertisements to the intended recipient via the webpage in response to the intended recipient accessing the URL encoded by the QR code. | 2013-01-17 |
20130018727 | Behavior Monitoring and Reinforcement System and Method - A system, method and computer software that provides for a computer implemented system and method for comprehensive reinforcement of human behavior by capturing environmental information for participants and reinforcing their daily choices in their environments. Unique applications of technology are used to record, reinforce and document the desired behavior activities of participants in order to track, promote, encourage and further reward the desired behavior. | 2013-01-17 |
20130018728 | CONCURRENT SEARCHING FOR PRODUCTS AND ASSOCIATED BUYER GROUPS IN A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018729 | SYSTEM AND METHOD FOR ADVERTISEMENT PLACEMENTAANM Liu; XinzheAACI HangzhouAACO CNAAGP Liu; Xinzhe Hangzhou CN - Advertisement placement includes: obtaining one or more advertisement query keywords; determining, using one or more computer processors, in a multi-level advertisement information store, a selection of advertisement information for placement; and presenting the selection of advertisement information to be placed at a client. The multi-level advertisement information store comprises advertisement information organized into a plurality of first-level categories, and each first-level category is associated with a respective plurality of subordinate levels of categories. | 2013-01-17 |
20130018730 | METHOD AND APPARATUS FOR DISTRIBUTING PROMOTIONAL MATERIALSAANM Morris; NadiaAACI DecaturAAST GAAACO USAAGP Morris; Nadia Decatur GA USAANM Basso; AndreaAACI MarlboroAAST NJAACO USAAGP Basso; Andrea Marlboro NJ USAANM Hines; TaraAACI New YorkAAST NYAACO USAAGP Hines; Tara New York NY USAANM Ivanov; AlekseyAACI Atlantic HighAAST NJAACO USAAGP Ivanov; Aleksey Atlantic High NJ USAANM Mikan; JeffreyAACI AtlantaAAST GAAACO USAAGP Mikan; Jeffrey Atlanta GA US - A system that incorporates teachings of the present disclosure may include, for example, computer instructions to identify a subscriber leader, identify a plurality of subscriber followers that track activities of the subscriber leader, detect from the activities of the subscriber leader a behavioral pattern that influences a consumption behavior of the subscriber followers, receive a request for media content from at least one of a plurality of devices of the subscriber followers, identify in the media content a substitutable product, select a promotional system to supply a promotional product according to at least one of a winning bid supplied by the promotion system and the behavioral pattern, substitute the substitutable product in the media content with the promotional product to generate updated media content, and transmit the updated media content to the at least one of the plurality of devices of the subscriber followers. Other embodiments are disclosed. | 2013-01-17 |
20130018731 | DISPLAYING ADVERTISEMENTS IN A COMPUTER NETWORK ENVIRONMENT - A method of presenting advertising to viewers in a computer network environment includes monitoring a viewer's interactions with an associated computer system, and adjusting a timing of displayed advertisements on the viewer's associated computer system based on one or more of the viewer's monitored interactions. | 2013-01-17 |
20130018732 | SYSTEMS AND METHODS FOR COMPUTER-CREATED ADVERTISEMENTS - The invention relates to a computerized method for a user to create an advertisement by displaying a plurality of advertising formats for selection by a user; displaying a template corresponding to a selected advertising format; displaying a plurality of product references for selection by the user; displaying on the template a selected product reference to create a proposed advertisement; and creating a preview of the proposed advertisement, all of which may be implemented using the Internet. The invention further relates to a computerized system for creating an advertisement that comprises a template database for storing advertising formats; a product database for storing product references; and a computer to access the databases. Preferably, the user has a network interface such as Internet access that permits access via a remote location, software to permit a user to specify specifications such as quantity, printing information, ship date, paper type, pricing information, and payment information, and may be configured to receive images and text for new products. | 2013-01-17 |
20130018733 | SYSTEM AND METHOD FOR COMPUTER-CREATED ADVERTISEMENTS - Methods, systems, and computer readable media for of automatically rendering an advertisement element on an advertisement are disclosed. The method includes the steps of obtaining an advertisement element to be rendered on the advertisement, comparing the advertisement element to a set of stored markup records, determining which stored markup record is closest in at least one attribute to the advertisement element, rendering the advertisement element in accordance with the closest markup record, and displaying the rendered advertisement element on the advertisement. | 2013-01-17 |
20130018734 | Method and Apparatus for Displaying Advertising and Other Information in Classrooms and Other Locations - A method of combining information about student enrollment in classes and student behavior, to be targeted as an audience for the display of advertisements and other information. Advertisement slots may be sold, either for a predetermined price or in connection with an online auction format, Advertisements can be displayed using multiple modes of communication—including, but not limited to, projection within classroom, via the Internet or through a mobile device. Advertisers can to “bid” on advertising space in “real-time” thus creating an instantaneous marketplace for targeted delivery of advertisements or other information to targeted groups of students. | 2013-01-17 |
20130018735 | System and Method for interaction specific advertising media distribution - A system and a method are used to display and distribute interaction specific advertisement media. The system comprises a server, a plurality of interactive display stations, and a plurality of primary network connections. Each interactive display station is communicatively coupled to the server by a primary network connection. Each interactive display station comprises a general interest display, a plurality of peripheral ad panels, a process control module, at least one camera, and a plurality of network connections. The peripheral ad panels are positioned around the general interest display, and the process control module manages the software that is used to display and distribute the advertisements. The specific advertisement playing on the display stations depend on whether or not a person is in front of the display station and the demographic characteristics of that person. | 2013-01-17 |
20130018736 | SYSTEM AND METHODS THEREOF FOR VISUAL ANALYSIS OF AN IMAGE ON A WEB-PAGE AND MATCHING AN ADVERTISEMENT THERETO - A method for matching an advertisement item to a multimedia content element. The method comprises extracting at least one multimedia content element from a web-page requested for display on a user node; generating a signature of the at least one multimedia content element; searching for at least one advertisement item respective of the signature; and causing the display of the at least one advertisement item within a display area of the web-page. | 2013-01-17 |
20130018737 | PROVIDING A RELIABLE TRUST INDICATOR FOR CONTENT - A technique is provided for providing a trust indicator for a particular webpage. The trust indicator may indicate whether publishers of web content and/or end-users trust the content of the particular webpage and whether the particular webpage is popular. A user requests, via a web browser a webpage to be displayed. A process associated with the webpage requests a value to be displayed along with the webpage. The value may indicate 1) a number of links that link to the webpage, 2) a number of user-created tags that have been associated with the webpage, or 3) a trust rank that a web crawler associates with the webpage. A trust rank may be based, at least in part, on user-created tags that have been associated with the webpage. A value may also be associated with an advertisement that is displayed along with a particular webpage. | 2013-01-17 |
20130018738 | FOREIGN CURRENCY SOLUTION - In general terms, the present invention relates to methods and apparatuses for providing a foreign currency solution. In some embodiments, a method is provided that includes: (a) establishing a foreign currency account for a domestic account holder; (b) receiving a domestic currency payment for funding the foreign currency account; (c) exchanging the domestic currency payment to produce an exchanged foreign currency payment; (d) crediting the foreign currency account by the amount of the exchanged foreign currency payment; and (e) authorizing a foreign currency transaction involving the foreign currency account and the domestic account holder. Other embodiments relate to configuring a mobile device to operate as a mobile wallet, such that the mobile device includes a foreign currency account module and/or a domestic currency account module that can be used to engage in both domestic currency and foreign currency transactions. | 2013-01-17 |
20130018739 | Systems and Methods for Providing a Transaction Card Package Assembly Including Sample Product or Service - A transaction card package assembly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same. | 2013-01-17 |
20130018740 | FINANCIAL TRANSACTION PROCESSING USING A MOBILE COMMUNICATIONS DEVICE - A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device. | 2013-01-17 |
20130018741 | SYSTEMS AND METHODS FOR MERCHANDISE CHECKOUT - Systems and methods for recognizing and identifying items located on the lower shelf of a shopping cart in a checkout lane of a retail store environment for reducing or preventing loss or fraud and increasing the efficiency of a checkout process efficiency. The system includes one or more visual sensors that can take images of items and a computer system that receives the images and automatically identifies the items. The system can be trained to recognize the items using images taken of the items. The system relies on matching visual features from training images to match against features extracted from images taken at the checkout lane. Using the scale-invariant feature transformation (SIFT) method, for example, the system can compare extracted visual features of the images to the features stored in a database to find one or more matches, where the found one or more matches are used to identify the items. | 2013-01-17 |
20130018742 | NFC TRANSACTIONS USING PAYMENT CREDENTALS STORED AT A REMOTE SERVER - A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device. | 2013-01-17 |
20130018743 | ORDER ACCUMULATION WEBSITEAANM Yang; BillsonAACI Taipei CityAACO TWAAGP Yang; Billson Taipei City TWAANM Yang; Tony Tung-YuAACI Taipei CityAACO TWAAGP Yang; Tony Tung-Yu Taipei City TW - A order accumulation website includes a pre-order unit for receiving orders of a transaction from buying at least one commodity from consumers by a name or a keyword of the commodity; other consumers can also join the transaction so as to form an accumulation of orders; a commodity database recording names, prices, qualities and packaging of the commodities; a seller bidding unit receiving a price list based on the pre-ordering good provided by the consumers; the price list being called out from the database or from a seller real time to respond the orders of the transaction; the price list being provided by default sellers firstly; wherein the pre-order is provided before the provision of the price list; and the price list lists a plurality of prices for a commodity; the prices are descended with an increment of the order quantity. | 2013-01-17 |
20130018744 | DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018745 | SOCIAL NETWORKING BASED DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018746 | BUYER GROUP DEFINITION FOR A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018747 | BUYER GROUP FORMATION BASED ON SOCIAL NETWORKING IN A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018748 | INTEGRATED BUYER GROUP AND SOCIAL NETWORKING INTERFACE FOR A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018749 | TARGETING USERS WITH BUYER GROUPS IN A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018750 | INFRASTRUCTURE SUPPORTING HOSTING OF BUYER GROUPS IN A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018751 | USER PROFILE AND INTERACTION HISTORY BASED BUYER GROUP MATCHING IN A DEMAND DRIVEN PROMOTION SYSTEM - A system and method for providing a demand driven promotion system supporting social networking and searching, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2013-01-17 |
20130018752 | SYSTEM AND METHOD FOR REAL TIME AUCTION BIDDING - A vehicle auction bidding and valuation apparatus and method which employs a personal computing device to retrieve information related to a particular vehicle being auctioned and display potential profit information for the user in real time during the auction. When the user (typically a automobile dealer or reseller) selects a particular vehicle identification number or year, make and model, the personal computing device electronically retrieves valuation information for the vehicle and displays it for the user. The personal computing device may also be programmed with known business rules for various lenders or may retrieve the business rules information from one or more lender servers. The lender business rules are used to determine and display expected resale profits for the vehicle. | 2013-01-17 |
20130018753 | ON LINE WEB PORTAL FOR PRIVATE NETWORK SERVICE PROVIDERS - A web-enabled user interface is provided to enable the carriers of private networks to interact and to offer services to one another. The web-enabled user interface is integrated to a switch fabric configured to provide interconnection services for the carriers. The web-enabled user interface is configured to enable the carriers to assign different roles to different representatives. Each of the representatives is granted certain rights and permissions by an administrator representative based on the representative's role. The web-enabled user interface is configured to present to each representative a unique interface based on their roles thus providing each representative a unique experience. | 2013-01-17 |
20130018754 | Online Sales Method for Information Handling Systems and Related Peripherals - A configurator is provided with the ability to present to a user how each choice or change to an information handling system would affect the performance of the information handling system for an intended use. More specifically, during an online sales process, the customer is first presented with a list of gaming genres or gaming titles for which the information handling system to be purchased is targeted to use along with a base or recommended configuration. The configuration process proceeds with each discrete choice now presented to the user not only with the price but also with the specific system performance impact of that item, such as showing a Frame Per Second indication. A new set of fields are provided for each item in the configuration database and may be proportional to the number of gaming genres or titles presented to the customer at the first selection screen. | 2013-01-17 |
20130018755 | Method and System of Recommending ItemsAANM Zhang; WeiAACI HangzhouAACO CNAAGP Zhang; Wei Hangzhou CN - A recommendation system may acquire historic data associated with a user ID. The historic data may include multiple item IDs associated with the user ID. The recommendation system may calculate first multiple correlations between an item ID of the multiple item IDs and other IDs of the multiple item IDs based on the historic data. The first multiple correlations may be used to determine multiple correlated item IDs associated with the item ID. Using the multiple correlated item IDs, the recommendation system may align a user-item scoring matrix to generate an aligned scoring matrix. The aligned scoring matrix may be used to determine a recommended item collection. | 2013-01-17 |
20130018756 | METHOD AND SYSTEM AUTOMATICALLY TO SUPPORT MULTIPLE TRANSACTION TYPES, AND TO DISPLAY SELLER-SPECIFIC TRANSACTIONS OF VARIOUS TRANSACTION TYPES IN AN INTEGRATED, COMMINGLED LISTING - This invention provides for a method of (or apparatus for) facilitating the display of items of multiple transaction types in a commingled listing. The display of items of multiple transaction types in a commingled listing may include items which are being offered by a specific Seller at a network based commerce facility. | 2013-01-17 |
20130018757 | HOSTED ORDER PAGE/SILENT ORDER POST PLUS FRAUD DETECTION - Generally, embodiments of the invention are directed to methods, computer readable medium, servers and systems for enabling merchants to use hosted order pages (HOPs) and/or silent order posts (SOPS) and thereby avoid handling payment information and the costs associated Payment Card Industry (PCI) compliance, while at the same time utilize third-party fraud detection screens and thereby avoid costs associated with fraudulent transactions. | 2013-01-17 |
20130018758 | QUIDLRAANM BALASUBRAMANIAN; RAGHURAMAACI OrangeAAST CAAACO USAAGP BALASUBRAMANIAN; RAGHURAM Orange CA USAANM Peachavanish; PeachawatAACI Long BeachAAST CAAACO USAAGP Peachavanish; Peachawat Long Beach CA USAANM Eger; PatrickAACI IrvineAAST CAAACO USAAGP Eger; Patrick Irvine CA US - Embodiments of systems and methods are described. These embodiments may be used to facilitate an electronic payment or request for electronic payment for real-time transactions. In particular, the embodiments comprise a hand-held communication device associated with a payer, an electronic device associated with a payee and an application server associated with an electronic payment transaction application. The hand-held communication device is adaptable to execute the application software that is configured to generate or read a machine readable barcode. The electronic device is also adaptable to execute the application software which is configured to scan or capture the machine readable barcode. The application server is configured to facilitate the electronic payment between the hand-held communication device and the electronic device. The machine readable barcode is generated with a rapidly expiring timestamp which allows the payer and payee to conduct the real-time electronic payment transaction in a secure and cost effective way. | 2013-01-17 |
20130018759 | THIRD PARTY TOKEN SYSTEM FOR ANONYMOUS SHIPPING - A method and a system for a third party token system for anonymous shipping are described. A selection of shipping service providers approved by a recipient is received. A token corresponding to a mailing address of the recipient is generated. The token corresponding to the mailing address of the recipient is sent to a shipping service provider approved by the recipient. The token is valid only for the shipping service providers selected by the recipient. | 2013-01-17 |
20130018760 | System & method for organizing tradeAANM Barabash; MichaelAACI KatonahAAST NYAACO USAAGP Barabash; Michael Katonah NY US - A method of organizing a trade includes introducing into an electronic data processing system by a plurality of users information about the users and about items which they are willing to sell, searching in the electronic data processing system by the same users of the plurality of users information about items which they are willing to buy, where, in the event that one of the plurality of users finds an item in the electronic data processing system which the one user is willing to buy, generating by the electronic data processing system a connection between an item to sell, information about which the one user introduced into the electronic data processing system, and the item to buy, information about which the one user found in the electronic data processing system. Based on connections so formed, finding by the electronic data processing system in the plurality of users a plurality of groups of users, such that in each of the groups of users all items of all users of each of the groups can be sold and bought exclusively by all the users within each of the groups. | 2013-01-17 |
20130018761 | Consumer-Level Food Source Information Tracking, Management, Reviewing, and Rating Method and SystemAANM Kwak; Sung BokAACI MilpitasAAST CAAACO USAAGP Kwak; Sung Bok Milpitas CA US - A consumer-level food source information tracking and management system and a related method are disclosed. In one embodiment of the invention, a producer provides producer-specific and package-specific information for a particular food package to a consumer-level food source information tracking and management server. The consumer-level food source information tracking management server associates the producer-specific and package-specific information with a unique identifying code on a consumer-level food source information label attached to the particular food package. A retail consumer who uses a user interface device (e.g. smart phone, a computer) can operatively connect to the consumer-level food source information tracking and management server via a data network (e.g. Internet, LAN). The retail consumer may enter the unique identifying code on the consumer-level food source information label into the user interface device to access, review, and rate the producer-specific and package-specific information and share ratings and reviews with peers. | 2013-01-17 |
20130018762 | System and Apparatus for Facilitating Transactions Between Two or More Parties - The present invention provides a system and apparatus for facilitating transactions involving one or more intellectual properties. A web site is provided using one or more server computers that have a posting for each of the one or more intellectual properties. The intellectual properties include copyrighted material, such as books, music, videos, television shows, movies, software, applications, games or a combination thereof. A selection of one of the intellectual properties is received from one or more client communications devices. Public information and one or more terms for a further disclosure of the selected intellectual property are sent to the one or more client communications devices. A request for an additional level of detail about the selected intellectual property is received from the one or more client communications devices. The additional level of detail about the selected intellectual property is provided to the one or more client communications devices. | 2013-01-17 |
20130018763 | Systems and methods for creating and using a graphical representation of a shopperAANM Ajala; DareAACI Hoffman EstatesAAST ILAACO USAAGP Ajala; Dare Hoffman Estates IL US - Systems and methods are utilized by a user to create a graphical representation of a person. Specifically, a user may be an individual who may utilize the graphical representation of the person for purchasing goods from an online source. Moreover, the graphical representation of the person may generally have the dimensions of the person such that the user may utilize the graphical representation to determine whether a particular article of clothing or accessory may fit the person's dimensions and/or style. Moreover, systems and methods for determining a preferred style aid the user in searching for clothing and/or accessories to fit or otherwise match the person's preferred style. | 2013-01-17 |
20130018764 | Methodology For Charging Of Discrete Resource Reservation Based ServicesAANM Deng; YuAACI Yorktown HeightsAAST NYAACO USAAGP Deng; Yu Yorktown Heights NY USAANM Nguyen; Thao N.AACI KatonahAAST NYAACO USAAGP Nguyen; Thao N. Katonah NY USAANM Perng; Chang-ShingAACI Bedford HillsAAST NYAACO USAAGP Perng; Chang-Shing Bedford Hills NY USAANM Rendahl; Randy A.AACI RaleighAAST NCAACO USAAGP Rendahl; Randy A. Raleigh NC USAANM Sailer; AncaAACI ScarsdaleAAST NYAACO USAAGP Sailer; Anca Scarsdale NY USAANM Swirszcz; Grzegorz M.AACI OssiningAAST NYAACO USAAGP Swirszcz; Grzegorz M. Ossining NY US - Methods, apparatus, and articles of manufacture are disclosed. These perform the following: accessing records of previous usage within a billing period of service units for customers, wherein the service units are discrete sizes of services for resource types, wherein each usage of an individual one of the service units has start and stop events, and wherein each resource type has a price fixed as of a date of the previous usage; dividing the billing period into time periods determined using the start and stop events for the usage of all of the service units; using the accessed records and the time periods and based on one or more criteria, assigning resource types to the previous usage in the time periods of the service units by the customers; and determining total charge for a selected customer based on the assignments of the resource types and corresponding prices for the selected customer. | 2013-01-17 |
20130018765 | SECURING APPLICATIONS ON PUBLIC FACING SYSTEMSAANM FORK; MICHAEL J.AACI GIBSONBURGAAST OHAACO USAAGP FORK; MICHAEL J. GIBSONBURG OH USAANM GLOE; CHRISTOPHER T.AACI ROCHESTERAAST MNAACO USAAGP GLOE; CHRISTOPHER T. ROCHESTER MN USAANM PATERSON; KEVIN G.AACI SAN ANTONIOAAST TXAACO USAAGP PATERSON; KEVIN G. SAN ANTONIO TX US - Techniques are disclosed for configuring a virtual machine instance accessed over a publically routable network address to host intranet applications. A virtual (or “dummy”) interface on the virtual machine instance is assigned an IP address that is inaccessible from the public interface. An application executed on the virtual machine instance is bound to a port on the network address assigned to this dummy interface. A virtual private network server assigns client's IP addresses that can be routed to the dummy interface. When a client computing system connects to the VPN server over the virtual machine instance's public interface, the client forwards traffic destined for the dummy interface's inaccessible network over the VPN connection. | 2013-01-17 |
20130018766 | MINIMALIST APPROACH TO ROADWAY ELECTRIFICATION - Method of commerce and system components that enable the sale of electricity on-request to independent vehicle operators for propulsion. Electricity could be delivered by conventional roadway overhead electric line components (see FIG. | 2013-01-17 |
20130018767 | APPARATUS AND METHOD FOR ACQUIRING CLIENT DATA TO PROCESS A FINANCIAL ACCOUNTAANM Williams; SimonAACI Walnut CreekAAST CAAACO USAAGP Williams; Simon Walnut Creek CA USAANM Lynde; Zachary H.AACI AustinAAST TXAACO USAAGP Lynde; Zachary H. Austin TX US - A method for acquiring data to process a financial account is provided which includes receiving a request to process the financial account. The request includes a print stream of data for a client received in a print protocol. The method further includes converting the print stream of data into wire format data, and transmitting the wire format data to a server to process the financial account. A method is provided for processing a financial account which includes receiving a request from a client to process the financial account. The request includes a print stream of data for a client received in a print protocol. The method further includes extracting data elements from the received wire format data, and processing the financial account using the extracted data elements. The receiving includes receiving encrypted wire format data which has been converted from the print stream of data for the client received in a print protocol. | 2013-01-17 |
20130018768 | PRICING CASH SETTLED ON-THE-RUN TREASURY FUTURES CONTRACTSAANM Sturm; FrederickAACI ChicagoAAST ILAACO USAAGP Sturm; Frederick Chicago IL USAANM Boudreault; JamesAACI PalatineAAST ILAACO USAAGP Boudreault; James Palatine IL USAANM Grombacher; DanielAACI EvanstonAAST ILAACO USAAGP Grombacher; Daniel Evanston IL USAANM Winkler; JulieAACI NapervilleAAST ILAACO USAAGP Winkler; Julie Naperville IL US - The disclosed embodiments relate to determining a listing date, an expiration date and the cash settlement price of a futures contract, i.e. a Treasury Futures, for the delivery of the most recently issued, referred to as an on-the-run, US treasury Note of a particular maturity by reference to the U.S. Treasury Auction cycle and the difference between a resultant industry surveyed swap rate and a resultant industry surveyed swap spread of the respective tenors (time remaining until maturity) of the on-the-run treasury futures. | 2013-01-17 |
20130018769 | LISTING AND EXPIRING CASH SETTLED ON-THE-RUN TREASURY FUTURES CONTRACTSAANM Boudreault; JamesAACI PalatineAAST ILAACO USAAGP Boudreault; James Palatine IL USAANM Wiley; JohnAACI New YorkAAST NYAACO USAAGP Wiley; John New York NY USAANM Sturm; FrederickAACI ChicagoAAST ILAACO USAAGP Sturm; Frederick Chicago IL USAANM Kronstein; JonathanAACI ElmhurstAAST ILAACO USAAGP Kronstein; Jonathan Elmhurst IL USAANM Spain; SuzanneAACI ChicagoAAST ILAACO USAAGP Spain; Suzanne Chicago IL USAANM Barker; PeterAACI ChicagoAAST ILAACO USAAGP Barker; Peter Chicago IL US - The disclosed embodiments relate to determining a listing date, an expiration date and the cash settlement price of a futures contract, i.e. a Treasury Futures, for the delivery of the most recently issued, referred to as an on-the-run, US treasury Note of a particular maturity by reference to the U.S. Treasury Auction cycle and the difference between a resultant industry surveyed swap rate and a resultant industry surveyed swap spread of the respective tenors (time remaining until maturity) of the on-the-run treasury futures. | 2013-01-17 |
20130018770 | VARIABLE EXPOSURE CONTRACTAANM Co; RichardAACI ChicagoAAST ILAACO USAAGP Co; Richard Chicago IL USAANM Youngren; SteveAACI ElginAAST ILAACO USAAGP Youngren; Steve Elgin IL USAANM Wiley; JohnAACI New YorkAAST NYAACO USAAGP Wiley; John New York NY USAANM Boberski; DavidAACI WestportAAST CTAACO USAAGP Boberski; David Westport CT USAANM Labuszewski; JohnAACI WestmontAAST ILAACO USAAGP Labuszewski; John Westmont IL USAANM Nyhoff; JohnAACI DarienAAST ILAACO USAAGP Nyhoff; John Darien IL US - The disclosed embodiments relate to a futures contract, the value of which is based on the value of the underlying asset multiplied by a variable multiplier value which is based on a variable parameter. | 2013-01-17 |
20130018771 | LOGGED DERIVATIVE CONTRACTAANM Co; RichardAACI ChicagoAAST ILAACO USAAGP Co; Richard Chicago IL USAANM Youngren; SteveAACI ElginAAST ILAACO USAAGP Youngren; Steve Elgin IL USAANM Wiley; JohnAACI New YorkAAST NYAACO USAAGP Wiley; John New York NY USAANM Boberski; DavidAACI WestportAAST CTAACO USAAGP Boberski; David Westport CT USAANM Labuszewski; JohnAACI WestmontAAST ILAACO USAAGP Labuszewski; John Westmont IL US - The disclosed embodiments relate to creation and administration by automated means of Logged derivatives contracts. These contracts, e.g. a futures contract or “over the counter” (OTC) derivative, are cash-settled derivatives based on, and quoted by reference to, the natural logarithm of the value of the underlying product, e.g., the S&P 500. | 2013-01-17 |
20130018772 | SYSTEMS AND METHODS FOR ESTABLISHING FIRST ON THE FOLLOW TRADING PRIORITY IN ELECTRONIC TRADING SYSTEMS - Various systems and methods are provided for enabling one or more participants in an electronic trading system to have exclusive trading privileges. When one or more criteria and/or a status of trading rights are met, a trading system may award a participant with trading priority to trade on an incoming contra order. The participant may also have an associated order modified as a result of an incoming contra order and/or be caused to automatically trade on an incoming contra order. | 2013-01-17 |
20130018773 | ORDER MATCHINGAANM Edvardson; Hannes JorgenAACI UppsalaAACO SEAAGP Edvardson; Hannes Jorgen Uppsala SE - The disclosure relates to an automated trading system, comprising an interface for receiving a plurality of orders comprising bid orders and ask orders and a trading module for matching the bid orders and the ask orders, the trading module comprising a memory for storing the plurality of orders, a subset sum module configured to find the subset sums of the bid orders and the subset sums of the ask orders of the plurality of orders, and an order matching module for matching a combination of bid orders to a combination of ask orders based on the subset sums for the bid orders and the subset sums of the ask orders. | 2013-01-17 |
20130018774 | SYSTEMS AND METHODS FOR PROVIDING ENHANCED VOLUME-WEIGHTED AVERAGE PRICE TRADING - Systems and methods for providing trading using an eVWAP price in an illiquid market are provided. In an illiquid market there may be little or no actual trades. During a trading period, the eVWAP price is therefore determined from not only trades, but also unmatched bids and offers. The eVWAP price is determined when new information becomes available or at a specified time interval. The final eVWAP price is determined when the sampling period ends. Once the final eVWAP price is determined, the value of the final eVWAP price is published for use as a price to settle a contract. | 2013-01-17 |
20130018775 | System and Method for Preventing Cross Trading - Information regarding the current state in the market is used to prevent orders from crossing. In an example provided herein, when an order is entered into a market, information regarding current positions in the market is taken into account to determine whether the order will cross with other orders. If the orders would cross, appropriate action is taken to prevent the crossing of orders in a way suitable for the person or persons trading. The teachings described herein may be used for any reason to prevent orders from crossing. Moreover, they may be used in other areas of trading to assist the trader in obeying any other rule or regulation that might involve analyzing current positions in the market before taking action. | 2013-01-17 |
20130018776 | System and Method for Income Risk Assessment Utilizing Income Fraud and Income Estimation ModelsAANM Xie; JianjunAACI PowayAAST CAAACO USAAGP Xie; Jianjun Poway CA USAANM Chi; Hoi-MingAACI PowayAAST CAAACO USAAGP Chi; Hoi-Ming Poway CA USAANM Noe; RogerAACI PowayAAST CAAACO USAAGP Noe; Roger Poway CA USAANM Barnett; MikeAACI PowayAAST CAAACO USAAGP Barnett; Mike Poway CA USAANM Gaddis; BrentAACI PowayAAST CAAACO USAAGP Gaddis; Brent Poway CA USAANM Baker; JamesAACI PowayAAST CAAACO USAAGP Baker; James Poway CA US - A method of income validation and evaluation for income risk assessment is disclosed in one embodiment. The method includes receiving a borrower loan request including a plurality of borrower data selected from the group consisting of: an employment type code, a borrower date-of-birth, a borrower zip code and a stated monthly income. The method further includes analyzing the received plurality of borrower data with respect to a stored plurality of borrower data to generate a normalized plurality of borrower data, implementing, if the stated monthly income is non-zero, an income fraud model utilizing at least the normalized plurality of borrower data including the employment type code, the borrower date-of-birth and the borrower zip code to determine an income fraud score based on the normalized plurality of borrower data, implementing an income estimation model utilizing at least the normalized plurality of borrower data and an age-band to determine a predicted income, and determining a risk assessment value as a function of the income fraud model and the income estimation mode. | 2013-01-17 |
20130018777 | SYSTEMS, METHODS AND APPARATUS FOR SOCIAL NETWORK-BASED LENDING - Systems, methods and apparatus for lending are disclosed that match borrowers with potential lenders. Social media is utilized to disseminate information about lending opportunities to members of a borrower's social network or lender's social network. | 2013-01-17 |
20130018778 | VIRTUAL GIFT CARD - A virtual gift credit system that automatically attaches gift credit to a payment account or vehicle of the gift recipient upon issuance of the gift credit is herein described. By attaching the gift credit amount to the recipient's payment account, subsequent purchases made using the payment account, and of the type associated with the gift credit, are automatically settled by applying the gift credit amount to the purchase amount. Further, the invention does not require gift recipients to share confidential account information with gift providers in order for the gift providers to bestow gift credit upon the gift recipients. Through the use of aliases, which serve to tie an identifier, such as a gift recipient's telephone number, email address or the like to a gift recipient's payment account, the invention does not require that the gift provider know any information about the financial accounts of the intended gift recipient. | 2013-01-17 |
20130018779 | ALIAS-BASED MERCHANT TRANSACTION SYSTEM - A system and method for using an alias to conduct financial transactions at a merchant is provided. The system and method allows a user to provide an alias identifying the user or a business in order to conduct transactions without needing to know or provide actual account numbers. Aliases are associated with users and businesses and can be linked to financial accounts of the user and business. When the method determines that the user is attempting to conduct a transaction using the alias, the method determines the account number associated with the alias and completes the transaction using the alias. The method may also evaluate the transaction to determine whether pre-determined rules are complied with and provide confirmation to the user that the transaction has completed. | 2013-01-17 |
20130018780 | M-COMMERCE VIRTUAL CASH SYSTEM, METHOD, AND APPARATUS - A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification. | 2013-01-17 |
20130018781 | MERCHANT DATA CLEANSING IN CLEARING RECORD - A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content. | 2013-01-17 |
20130018782 | METHODS AND SYSTEMS FOR FACILITATING MOBILE DEVICE PAYMENTS USING CODES AND CASHBACK BUSINESS MODEL - Provided are methods and systems for facilitating mobile device payments using codes and cashback business model. Upon installation of an application on a mobile device, a customer may specify his payment information, which may include data on a credit/debit card or a bank checking account. Once the payment information has been specified, the customer may receive a unique code encoding his payment information. The customer may then start scanning product barcodes with his mobile device. To make payment for products, the unique code displayed on a screen of the customer mobile device may be scanned by a payment receiver mobile device. The payment receiver mobile device may further display customer records stored in a database of a payment processing system. Based on the customer records, the customer may be provided with various cashback opportunities, as well as credits and discounts. | 2013-01-17 |
20130018783 | Efficient Stored-Value Card Transactions - A method includes receiving a stored-value card transaction request from an access point. The stored-value card transaction request is associated with a package identification number, and the package identification number is associated with a plurality of stored-value cards. The method further includes generating a plurality of children transaction requests based on the stored-value card transaction request. The method further includes sending at least one of the plurality of children transaction requests to a first card party. The method further includes sending at least another of the plurality of children transaction requests to a second card party. The second card party may be the same or different from the first card party. | 2013-01-17 |
20130018784 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount. | 2013-01-17 |
20130018785 | MERCHANT BILL PAY - Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer. In some embodiments, a method includes: (a) receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount and an alias associated with a payment recipient, (b) in response to receiving the payment request, determining, via a computing device processor, whether the payment recipient is a registered payment recipient based on the alias, and (c) in response to determining the payment recipient is a registered payment recipient based on the alias, communicating, via the intermediary computing device, the payment request to the payment recipient based on the payment recipient being the registered payment recipient. | 2013-01-17 |
20130018786 | ELECTRONIC BILL PAY AND BILL PRESENTMENT ACCOUNT NUMBER TREATMENT SYSTEM AND METHOD - A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer. | 2013-01-17 |
20130018787 | ATM PROVIDED PAYMENT PROCESS - System, method, and computer program product are provided for a user to send and receive P | 2013-01-17 |
20130018788 | VIDEO-ASSISTED SELF-SERVICE TRANSACTION DEVICE - While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. An error may occur during the transaction. In response to detecting the error, video agent(s) having video or audio functionalities to service the error may be identified. Servicing the error may also be based on a length of a wait time to connect to an appropriate video agent. If the wait time exceeds a predetermined threshold, an error receipt identifying the error and other information may be printed by the self-service video transaction device. If the wait time does not exceed the predetermined threshold, a display device of the self-service video transaction device may display an option for the user to connect to the video agent terminal. | 2013-01-17 |
20130018789 | Systems and methods for estimating the risk that a real-time promissory payment will defaultAANM Kaufmann; BernhardAACI St. MargrethenAACO CHAAGP Kaufmann; Bernhard St. Margrethen CH - Systems and methods are set forth for estimating the risk on-line promissory payment transaction (PPT) will default. A systematic approach is set forth using aspects of human survival behavior under stressful life situations enhanced with transaction velocity settings and parameterized business rules before an actual payment is deposited at a financial institution. | 2013-01-17 |
20130018790 | UNIVERSAL ADDRESSING SCHEMEAANM Gururajan; RaghuramAACI San JoseAAST CAAACO USAAGP Gururajan; Raghuram San Jose CA US - A method and a system for a universal addressing scheme are described. A physical address validation module retrieves and validates a physical address associated with an e-mail address received from a third party server. A financial transaction validation module retrieves a financial account associated with the e-mail address and operates a financial transaction on the financial account. A third party authentication module authenticates the third-party server prior to communicating the physical address and operating the financial transaction to the third-party server. | 2013-01-17 |
20130018791 | FRAUD DATA EXCHANGE SYSTEM - A fraud data exchange system performs a method for processing a transfer request using shared fraud data including receiving a transfer request comprising information corresponding to an account to be debited and information corresponding to an account to be credited, approving the information corresponding to the account to be debited, and accessing a database to retrieve fraud data. The database includes fraud data shared among two or more financial institutions, and the fraud data includes a plurality of entries, each entry corresponding to one or more accounts and comprising one or more data fields. Each data field corresponds to a characteristic of the accounts and tends to indicate whether the transfer request is fraudulent. The method includes determining a likelihood of fraudulent activity, based on the accessed fraud data and determining, based at least in part on the determined likelihood of fraudulent activity, whether to complete the transfer. | 2013-01-17 |
20130018792 | PARENTAL CONTROLS - Various techniques are provided for establishing financial transaction rules to control one or more subsidiary financial accounts. In one embodiment, a financial account management application stored on a processor-based device may provide an interface for defining financial transaction rules to be applied to a subsidiary account. The financial transaction rules may be based upon transaction amounts, aggregate spending amounts over a period, merchant categories, specific merchants, geographic locations, or the like. The device may update the financial transaction rules associated with a subsidiary account by communicating the rules to an appropriate financial server. Accordingly, transactions made using the subsidiary account by a subsidiary account holder may be evaluated against the defined rules, wherein an appropriate control action is carried out if a financial transaction rule is violated. | 2013-01-17 |
20130018793 | METHODS AND SYSTEMS FOR PAYMENTS ASSURANCE - Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer. | 2013-01-17 |
20130018794 | MOBILE COMMUNICATION DEVICE BASED MONETARY TRANSFER SYSTEM - Systems and methods are disclosed for performing transactions using secure images. A device may collect transaction details and initiates the creation of a secure image. Upon creation of the secure image, the device may provide the secure image to second device participating in the transaction by displaying the secure image in a manner that allows the second device to capture the secure image or by providing the secure image in an electronic message. The second device may use the secure image to identify the transaction by providing the secure image to a secure server. Upon receiving the secure image, the secure server may provide transaction details to the second device. The second device may then send a confirmation of the transaction to the secure server, which may then complete the transaction. Use of the secure image allows the transaction to be performed without exposing sensitive transaction details. | 2013-01-17 |
20130018795 | Multi-Channel Data Driven, Real-Time Fraud Determination System For Electronic Payment Cards - Exemplary embodiments for detecting electronic payment card fraud include receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system through a first application programming interface (API); generating transactional profiles for each of at least payment cards, the ingress channel, the egress channels, and funding sources of the payment cards; in response to receiving transaction data for a current payment card transaction, evaluating the transaction data using a predictive algorithm that compare the transaction data to the transactional profiles to calculate a probabilistic fraud score for the current transaction; evaluating the probabilistic fraud score and the current transaction data based on a set of rules to generate a recommendation to approve, decline or review the current transaction; and transmitting the recommendation back to the payment card system via a second API. | 2013-01-17 |
20130018796 | Multi-Channel Data Driven, Real-Time Anti-Money Laundering System For Electronic Payment Cards - Electronic payment card money laundering detection includes receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system through a first API; generating transactional profiles for each of at least payment cards, the ingress channel, the egress channels, and funding sources of the payment cards; in response to receiving transaction data for a current payment card transaction, evaluating the transaction data using a predictive algorithm that compares the transaction data to the transactional profiles to calculate a probabilistic money laundering score for the current transaction; evaluating the probabilistic money laundering score and current transaction data based on a set of rules to generate a suspicious activity report that recommends whether to approve or report the current transaction; and transmitting the suspicious activity report back to the payment card system and transmitting the suspicious activity report to an identified regulatory body. | 2013-01-17 |
20130018797 | Authentication System and Authentication Method - In order to prevent leakage of an authentication symbol string such as a credit card number, and enable a user to be authenticated: an ID issuance server | 2013-01-17 |
20130018798 | System and Methods for Facilitating Fund Transfers Over a Network - In accordance with embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a financial institution over the network, wherein the financial institution includes a first user account related to a user. The systems and methods include receiving a fund transfer request from the financial institution on behalf of the user and establishing a second user account related to the user based on user information passed with the fund transfer request. The systems and methods include processing the fund transfer request by linking the first user account to the second user account based on the user information passed with the fund transfer request, receiving funds from the financial institution associated with the first user account, and depositing the received funds in the second user account on behalf of the user. | 2013-01-17 |
20130018799 | CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH SUB-TIER DOCUMENT EXCHANGE AND APPROVAL FEATURES - Systems and methods for managing a construction payment process wherein a higher degree of functionality is provided to primary users and only a limited subset of functionality is provided to sub-tier contractors. One construction of the system is configured to receive an electronically signed document and a request for payment from the sub-tier contractor. The request for payment is presented to a first primary user who is a contractual parent of the sub-tier contractor. When approval of the request for payment is received, a payment is initiated from a project payor to the sub-tier contractor. In some embodiments, the project payor is a contractual grandparent of the sub-tier contractor and a contractual parent of the first primary user. | 2013-01-17 |
20130018800 | Secure Authorization of a Financial Transaction - Embodiments herein include a method implemented by a client device used by a consumer to securely conduct a financial transaction. The method includes generating a unique message digest by applying a cryptographic hash function to payment information uniquely associated with the consumer. The method also entails encrypting the unique message digest using a public key of a public-private key pair uniquely issued to the consumer, to obtain an encrypted digest. Finally, the method includes encrypting the encrypted digest and an index value using a symmetric key, to generate a card number to be sent to an authorization server for authorization of the financial transaction. This index value maps at the authorization server to the private key of the public-private key pair and to the payment information. | 2013-01-17 |
20130018801 | Enterprise Intelligence ('EI') Management In An EI FrameworkAANM Reddington; Francis X.AACI SarasotaAAST FLAACO USAAGP Reddington; Francis X. Sarasota FL USAANM Sahota; NeilAACI Costa MesaAAST CAAACO USAAGP Sahota; Neil Costa Mesa CA US - Enterprise Intelligence (‘EI’) management in an EI framework including: analyzing, by an assembly analysis engine, a plurality of EI assemblies, each EI assembly configured to carry out a business capability upon execution; choreographing, by an assembly engine, execution of one or more of the EI assemblies; and reporting, by the assembly engine to an EI administrator, information related to execution of the one or more of the EI assemblies. | 2013-01-17 |
20130018802 | SYSTEM, METHOD, AND COMPUTER-READABLE MEDIA FOR COMMERCIALIZATION OF A PHARMACEUTICAL PRODUCTAANM McCormick; LianaAACI HobokenAAST NJAACO USAAGP McCormick; Liana Hoboken NJ US - A computer-implemented method, apparatus, and system for commercialization of a pharmaceutical product may be provided. Pharmaceutical product date information, resource name information, and resource allocation may be received. One or more execution dates may be calculated using the received date information. Tasks, milestones, and deliverables may be calculated using multiple stages of pharmaceutical commercialization, one or more execution dates, the resource name information, and the resource allocation information. Linkages between the tasks, the milestones, or the deliverables may be calculated, wherein the linkages may include dependencies, predecessors, or successors that may schedule the commercialization of the pharmaceutical product. A workflow structure may be calculated using the resource name information, tasks, milestones, deliverables, resource allocation information, and the date information. The workflow structure may be customized to accommodate the needs of each product launch, for example. | 2013-01-17 |
20130018803 | SYSTEM AND METHOD FOR PROVIDING TECHNICAL SUPPORT THROUGH A REMOTE SESSIONAANM Challu; UdhayanAACI GurgaonAACO INAAGP Challu; Udhayan Gurgaon IN - A system and computer implemented method for providing technical support through a remote session. The method begins by receiving, at a customer support servicer, a customer support request. Next, a customer support server routes the customer support request to an available analyst based on one or more conditions. The method proceeds to commence a remote session between a user's computing device and the available analyst's computing device. The issue/query is identified next, followed by generation of an action plan to solve the issue. Following this, the analyst transfers the remote session and the action plan to a technician. Finally, the technician implements the action plan on the remote session to solve the user query. | 2013-01-17 |
20130018804 | System and Method for the Analysis of Pricing Data Including a Sustainable Price Range for Vehicles and Other Commodities - Embodiments disclosed herein can produce and present sustainable price information to help dealers to price vehicles for sustainability and facilitate consumers in making purchase decisions. In one approach, a sustainable price range for a specific vehicle configuration may be based on an average profit margin (APM) determined utilizing historical sale prices and an estimated actual dealer cost. Other approaches may utilize some or all of the following steps: determine APM and build a model of distribution of profit margins by APM, build a model to adjust APM by certain variables, identify sustainable levels for the inventory, production, and incentives variables feeding into the APM model, plug those in to get the averages for those sustainable levels, identify sustainable percentile cutoffs for a given profit margin, then use this relationship with the now identified sustainable levels as inputs to find the overall sustainable profit margin. | 2013-01-17 |
20130018805 | Method and system for linking information regarding intellectual property, items of trade, and technical, legal or interpretive analysis - An apparatus for and a method of analyzing intellectual property (IP) is provided. In accordance with a preferred embodiment of the invention, an apparatus (and corresponding method) is provided for linking information regarding intellectual property (e.g., patents, trademarks, copyrights, trade secrets, etc.), items of trade (e.g., products, services, etc.), and analysis (e.g., technical, legal, interpretative, etc.). In an exemplary embodiment, an intellectual property analyzer may be provided with one or more modules (e.g., identifier module, report generator, linking module, etc.) to automatically and manually retrieve, gather, compile, store and process information for performing and reporting analysis of intellectual property. | 2013-01-17 |
20130018806 | Method for Facilitating Transactions Between Two or More Parties - The present invention provides a method for facilitating a transaction between two or more parties. A server computer is used to determine whether a contact information and an identity validation information of a second party are accurate. Whenever the contact information and the identity validation information of the second party are accurate, one or more documents are modified by attaching and identity validation from a first party and the identity validation from the second party to the one or more documents. | 2013-01-17 |
20130018807 | Method for Facilitating Transactions Between Two or More Parties - The present invention provides a method for facilitating transactions involving one or more intellectual properties. A web site is provided using one or more server computers that have a posting for each of the one or more intellectual properties. The one or more intellectual properties include copyrighted material, such as books, music, videos, television shows, movies, software, applications, games or a combination thereof. A selection of the intellectual properties is received from one or more client communications devices. Public information and one or more terms for a further disclosure of the selected intellectual property are sent to the one or more client communications devices. A request for an additional level of detail about the selected intellectual property is received from the one or more client communications devices. The additional level of detail about the selected intellectual property is provided to the one or more client communications devices. | 2013-01-17 |
20130018808 | MULTI-PARTY LEGAL ENFORCEMENT SYSTEM AND METHODAANM Schwartz; MartinAACI BrooklynAAST NYAACO USAAGP Schwartz; Martin Brooklyn NY USAANM Rosenbaum; JosephAACI BrooklynAAST NYAACO USAAGP Rosenbaum; Joseph Brooklyn NY US - A system and method for implementing a resolution to a landlord tenant dispute. In an embodiment, a database stores party information, legal form information and case information. First electronic case information representing a dispute is received and a petition for evicting at least one tenant associated with the dispute is generated and transmitted to a process server. Second electronic case information representing additional information associated with the dispute is received, and one or more actions and corresponding schedules for implementing the eviction are determined. One or more of copies of court documents associated with the eviction, the one or more actions and corresponding schedules; and the first electronic case information is provided, for example, over the Internet. The actions due are tracked for completion, and alert(s) representing that at least one of the one or more actions is coming due or is past due are transmitted to a party associated with the at least one of the one or more actions. Thereafter, a warrant for implementing the eviction is ordered. | 2013-01-17 |
20130018809 | COMPUTER-IMPLEMENTED METHOD AND SYSTEM FOR EVALUATING ECO-FUNCTIONAL PROPERTIES OF A PRODUCTAANM LI; YiAACI Hong KongAACO HKAAGP LI; Yi Hong Kong HKAANM Muthu; Subramanian SenthilkannanAACI Hong KongAACO HKAAGP Muthu; Subramanian Senthilkannan Hong Kong HKAANM Hu; JunyanAACI Hong KongAACO HKAAGP Hu; Junyan Hong Kong HK - A computer-implemented method for evaluating eco-functional properties of a product, comprising: providing four inputs including raw materials, process of manufacture, functional properties and ecological properties of the product; providing five outputs including Quality, Functionality, Human Impact, 3R's (Reduce, Recycle, Reuse), and Environmental Impact; connecting the inputs and outputs using predetermined rules to generate an eco-functional model; and wherein the eco-functional properties of the product are evaluated using the eco-functional model to derive an Eco-Functional Index which is computed by the equation: ΣESI+HTI+EII+FI+Eco-I, where ESI is an Ecological Sustainability Index, EII is an Environmental Impact Index, HTI is a Human Toxicity Index, FI is a Functionality Index and Eco-I is an Ecological Index. | 2013-01-17 |
20130018810 | SYSTEMS AND METHODS FOR ARRANGING SOCIAL MEETINGS IN CONJUNCTION WITH SPACE/SEAT RESERVATIONSAANM VonAllmen; GeorgeAACI CincinnatiAAST OHAACO USAAGP VonAllmen; George Cincinnati OH US - Systems and methods for meeting new people outside the scope of a dating service or match making service are disclosed. In particular, the system connects the owners of “space/seat inventory” with their customers in a way that multiple customers with similar interests can interact with each other. As used herein, the phrase “space/seat inventory” means hotel rooms, airline seats, tour bus seats, cruise ship rooms, packaged vacation trips, and the like. | 2013-01-17 |
20130018811 | APPLICANT SCREENING - A system of screening servers, screener client computers, and screening kiosks distribute an applicant screening process among multiple sites and multiple participants. To facilitate and secure communications of screening results and applicant actions, a personal identification code is provided that identifies individual sets of screening results. In this manner, the applicant is authenticated and can then enter appropriate applicant profile data into a secure screening account, such as via a screening kiosk. Screening results may be generated for the applicant in association with a unique personal identification code. This code can then be communicated to the screener, who can access the screening results along with a recommendation, if desired, by sending the code to a screening server. | 2013-01-17 |
20130018812 | System for Regulation of Continuing Education RequirementsAANM Cherner; Eugene H.AACI LombardAAST ILAACO USAAGP Cherner; Eugene H. Lombard IL USAANM Fialko; Steve R.AACI WheelingAAST ILAACO USAAGP Fialko; Steve R. Wheeling IL US - Various embodiments are directed to a Continuing Education Registration and Search System to allow various users of the System to track, search, register, audit and/or manage various aspects of their continuing education requirements. The System may provide a plurality of user interfaces over various computer networks for use by various users where all continuing education information can be exchanged between the various users. The various users in the System may have accounts in the System, search through a variety of classes and providers with user provided feedbacks, and register for and purchase classes within the System. The System may also provide the current status and remaining requirements to the users and update the status and remaining requirements as classes are taken and completed by users. The System may also provide recommendations of classes to the users based at least in part on information stored within the System. | 2013-01-17 |
20130018813 | Computerized Net Price Calculation Method and System with Total Cost and Affordability CalculationAANM Carroll; Craig V.AACI Double BayAACO AUAAGP Carroll; Craig V. Double Bay AUAANM Childress; David M.AACI SacramentoAAST CAAACO USAAGP Childress; David M. Sacramento CA USAANM McCormack; Eric S.AACI WhitmanAAST MAAACO USAAGP McCormack; Eric S. Whitman MA USAANM Nguyen; Christiane ThyAACI West SacramentoAAST CAAACO USAAGP Nguyen; Christiane Thy West Sacramento CA USAANM Dao; TuongvyAACI West SacramentoAAST CAAACO USAAGP Dao; Tuongvy West Sacramento CA USAANM Lee; MiseeAACI SacramentoAAST CAAACO USAAGP Lee; Misee Sacramento CA US - A computerized method and system for conveying the affordability of an individual's choice of post-secondary educational program by determining the total cost, estimated student aid awards and net price of attending a specific academic institution. The computer system receiving a student's and their family's personal, financial, and academic information and combining that information with specific and individualized cost of attendance information from one or more academic institutions. The computer system then calculates the total cost of attending the school, the estimated net price, and out of pocket expenses based on the information provided by the student. Additionally, the computer system and method provides affordability analysis tools to help student further understand the cost of funding and repaying the cost of an educational program under various scenarios. | 2013-01-17 |
20130018814 | SYSTEM AND METHOD FOR REPUTATION SCORING - The present invention generally relates to online reputations. Specifically, this invention relates to a system and method for analyzing, determining, reporting and modifying an online reputation of a business, professional or individual. The online reputation of a business, professional or individual being comprised of a numeric value, calculated at least in part on positive reviews of the business, professional or individual, negative reviews of the business, professional or individual and the types of websites the positive or negative reviews reside upon. | 2013-01-17 |
20130018815 | Decomposing A Process Model In An Enterprise Intelligence ('EI') FrameworkAANM Reddington; Francis X.AACI SarasotaAAST FLAACO USAAGP Reddington; Francis X. Sarasota FL USAANM Sahota; NeilAACI Costa MesaAAST CAAACO USAAGP Sahota; Neil Costa Mesa CA US - Decomposing a process model in an Enterprise Intelligence (‘EI’) framework, including: receiving, by a process model decomposer, a process model for an EI assembly; identifying, by the process model decomposer in dependence upon an EI framework metamodel, component parts of the process model; and generating, in dependence upon the identified component parts, a taxonomy breakdown comprising a definition of a process classification. | 2013-01-17 |