04th week of 2009 patent applcation highlights part 49 |
Patent application number | Title | Published |
20090024423 | System and Method for Automated Vehicle Tracking - A system and method for enhancing revenue of vehicle dealerships by increasing both the number of service appointments made by customers at the dealership as well as the number of those appointments which are kept by customers. A computer automated, Internet-based method is provided for supervising the appointment making and the service providing process at vehicle service locations. Service department activity at multiple service locations maintained by a single dealership or by multiple dealerships can be monitored so that material and labor resources can be efficiently allocated and managed between the multiple locations. | 2009-01-22 |
20090024424 | SYSTEM AND METHOD FOR DYNAMIC LINKING OF BUSINESS PROCESSES - An embodiment of the invention provides a system and a method for dynamically linking of a business process that allows switching between the business processes based on business needs at pre-defined places of the business process. A business process is a set of tasks or activities that are to be performed to complete a transaction. These switching between the business processes are dependent on the context in which the business processes are used. This context can be defined and modified based upon the changing needs of the business. The invention allows the same business process to be utilized in different contexts without the need for redevelopment. In one embodiment, to implement the dynamic linking of the business process, a business process service layer is provided that process developers can leverage to add points of variability in their processes. The business process service layer talks to a server platform which in turn can execute business logic using the business process database. The business process is built by reusing the existing business processes and linking between these business processes. Thus, this reusability of the business process makes it possible to tailor the process as per the changing needs of the business. | 2009-01-22 |
20090024425 | Methods, Systems, and Computer-Readable Media for Determining an Application Risk Rating - Methods, systems, and computer-readable media provide for determining an application risk rating. According to embodiments, a method for determining an application risk rating is provided. According to the method, a technology risk score is determined. The technology risk score indicates a technology status associated with a business system. A capacity risk score is determined. The capacity risk score indicates a capacity status associated with the business system. A business risk score is determined. The business risk score indicates a criticality of a function provided by the business system. An application risk rated is determined based on the technology risk score, the capacity risk score, and the business risk score. | 2009-01-22 |
20090024426 | Method and Apparatus for Dynamic Evolution in Business Performance Management - A policy-driven approach to Business Performance Management (BPM) evolution is to capture the mechanism of BPM solution evolutions. These policies are executed by the runtime infrastructure which transforms and interprets evolution policies and allows fine granularity controls on solution evolution. At transformation time, the relationship among the event processing progress and the runtime state is derived based on the observation model. Such relationship information allows verification of freshness of migrating data and parallelization of runtime state validation and event processing. Consistent and efficient evolution of BPM solutions transit while event processing is operational. | 2009-01-22 |
20090024427 | Analyzing time series data that exhibits seasonal effects - To analyze a time series of data that exhibits seasonal effects, the time series is processed to obtain a representation in the frequency domain. According to the representation, plural cycle lengths are identified as representing different seasonal effects of the data in the time series, where a first of the plural cycle lengths is greater than a second of the plural cycle lengths. | 2009-01-22 |
20090024428 | System for and method of processing business personnel information - Information for personnel of a plurality of business organizations is collected. For each person, the information includes the name of the person, the identity of a business organization that the person currently works for and biographical information containing any affiliations identified for the person. Information for a plurality of affiliations is collected and a table of the affiliations is generated, the table of affiliations being stored in computer-readable storage. From the collected information, a data structure is generated and is stored in computer-readable storage. The first data structure includes an entry for each match between the biographical information of a person and an affiliation included in the table of affiliations. A query of a user may be responded to by executing a computer-implemented process on the first data structure. Results of the query are displayed for the user. | 2009-01-22 |
20090024429 | GRAPHICAL RISK-BASED PERFORMANCE MEASUREMENT AND BENCHMARKING SYSTEM AND METHOD - A system and method provides analysis of pre- and post-project effects on frequency and severity of operational loss. The method includes the computation of the frequency of incidents and the severity of incidents for equipment based on recorded incident data. Risk, a function of frequency and severity, is calculated before and after a project to determine if the project has changed the risk of an incident in a piece of equipment or facility and if the project has changed the nature of risk (i.e. increasing severity while decreasing frequency). The method may be used to compute forecast estimates of future operational losses, assess goals for improving current performance relative to demonstrated industry performance, and determine statistical confidence intervals of forecast such that risk, and changes in risk, may be visually quantified and communicated. | 2009-01-22 |
20090024430 | METHOD FOR OPTIMIZING ROUTES FOR VEHICLE PARKING ENFORCEMENT - A method for optimizing routes for vehicle parking enforcement includes collecting input variable data, optimizing a parking enforcement route based on the input variable data, and communicating the optimized parking enforcement route to an enforcement agent. | 2009-01-22 |
20090024431 | Methods, Systems, and Computer-Readable Media for Providing Future Job Information - Methods, systems, and computer-readable media provide for providing future job information. According to embodiments, a method for providing future job information is provided. According to the method, a number of non-dispatched jobs within a future time frame for a plurality of buckets and a plurality of turfs is determined. A numeric indicator indicating the number of non-dispatched jobs associated with at least one turf and at least one bucket is displayed. | 2009-01-22 |
20090024432 | Business Process Management System and Method - A system and method for managing business processes. In one embodiment, electronic business rules are provided that define actions to execute a business process workflow. A workflow queue is provided with a plurality of actions for performing the business process workflow based on the electronic business rules. Typically, at least a portion of the actions are role-based. A user may navigate and select an outstanding action from the workflow queue based on a role associated with the user. A real-time status for each action in the workflow queue can be provided upon request. | 2009-01-22 |
20090024433 | SCHEDULING TASK-RELATED ACTIVITIES IN A COLLABORATION SOFTWARE TOOL - Methods, systems, and computer program products for scheduling task-related activities are disclosed. In one example, the values of a one or more of variables on which an activity is dependent are used to determine the attainability of an activity. Information relating to the variables and/or the attainability of the activity can be recorded, or used to generate notifications and/or invitations for users. | 2009-01-22 |
20090024434 | TARGETED DIVIDEND REINVESTMENT PLANS AND METHODS OF ESTABLISHING SAME - A method of establishing a targeted dividend reinvestment plan associated with environmental management projects, and financial securities generated therein. In one embodiment, the method comprises steps of providing a dividend reinvestment plan, identifying at least one environmental management project, generating financial securities (e.g. “green” shares or other financial instruments) associated with the environmental management project(s), receiving a direction from investors participating in the dividend reinvestment plan to invest funds through a purchase by the investor of financial securities associated with the environmental management projects, issuing the financial securities to investors, and allocating the funds to the environmental management project(s). | 2009-01-22 |
20090024435 | Methods, Systems, and Computer-Readable Media for Providing Notification of a Last Job Dispatch - Methods, systems, and computer-readable media provide a notification of a last job dispatch. According to embodiments, a method for providing a notification of a last job dispatch is provided. According to the method, whether a technician is dispatched to a last job is determined. In response to determining that the technician is dispatched to the last job, a visual cue indicating that the technician is dispatched to the last job is provided. | 2009-01-22 |
20090024436 | Methods, Systems, and Computer-Readable Media for Determining a Plurality of Turfs from Where to Reallocate a Workforce to a Given Turf - Methods, systems, and computer-readable media provide for determining a plurality of turfs from where to reallocate a workforce to a given turf. According to embodiments, a method for determining a plurality of turfs from where to reallocate a workforce to a given turf is provided. According to the method, an indication of the given turf is received. Optimal turfs from where to reallocate technicians to the given turf are determined from a plurality of turfs. Visual cues for identifying at least a portion of the optimal turfs are generated. | 2009-01-22 |
20090024437 | Methods, Systems, and Computer-Readable Media for Providing A Ratio of Tasks Per Technician - Methods, systems, and computer-readable media provide for providing a ratio of tasks per technician. According to embodiments, a method for providing a ratio of tasks per technician is provided. According to the method, a number of tasks associated with a given geography is determined. A number of technicians dispatched to the given geography is determined. The ratio of tasks per technician is determined based on the number of tasks and the number of technicians. The ratio of tasks per technician is displayed. | 2009-01-22 |
20090024438 | Methods, Systems, and Computer-Readable Media for Providing Workforce To Load Information - Methods, systems, and computer-readable media provide for providing workforce to load information. According to embodiments, a method for providing workforce to load information corresponding to a plurality of turfs is provided. According to the method, a number of hours of pending and assigned work orders corresponding to the plurality of turfs, a number of tickets corresponding to the plurality of turfs, and a number of technicians dispatched corresponding the plurality of turfs are determined. A plurality of textual indicators, each indicating one of the plurality of turfs, are displayed. A first plurality of numeric indicators, each indicating the corresponding number of hours of pending and assigned work, are displayed. A second plurality of numeric indicators, each indicating the corresponding number of tickets, are displayed. A third plurality of numeric indicators, each indicating the corresponding number of technicians dispatched, are displayed. | 2009-01-22 |
20090024439 | METHOD AND SYSTEM FOR PROVIDING FEEDBACK TO A CHAIRPERSON IN AN ELECTRONIC MEETING SCHEDULING SYSTEM IN ORDER TO ENABLE IMPROVED MEETING RESOURCE MANAGEMENT - A system for providing feedback to a chairperson in an electronic meeting scheduling system to enable improved meeting resource management, in which a chairperson can indicate the attendance modes that are permitted for specific invitees to a meeting. The meeting invitations indicate to the invitees the attendance modes they are permitted to use. Meeting invitees are presented with user interface options allowing them to select from potentially multiple attendance modes, determined in response to inputs from the chairperson, and/or in response to information describing resources. As meeting resources are allocated to accepting invitees, those resources become unavailable for selection by subsequently accepting invitees. Meeting acceptances are collected such that indications of how accepting attendees will attend the meeting are made available in a chairperson interface so that the chairperson can adjust resources allocated for the meeting to reflect how accepting attendees are planning to attend. | 2009-01-22 |
20090024440 | Automated Workflow Via Learning for Image Processing, Documentation and Procedural Support Tasks - A method to manage workflow tasks having the steps of conducting at least one procedure, wherein the at least one procedure has at least one workflow task, recording each workflow task completed in the at least one procedure in a database, analyzing each workflow task completed, wherein the analysis completed identifies each task that may be completed automatically without need for human intervention, define workflow tasks for a given procedure that are to be completed automatically, inputting a user defined procedure, retrieving workflow tasks pertaining to the user defined procedure that are automatically performed, and conducting the user defined procedure, wherein workflow tasks defined as automatic are automatically performed. | 2009-01-22 |
20090024441 | APPARATUS AND METHODS FOR INFORMATION SHARING ACROSS ORGANIZATIONS - A method of leveraging disperse expertise is disclosed. The method comprises identifying a problem to be solved; searching a database of experts; locating one or more experts to solve the problem; reviewing a profile of each of the one or more experts located in the search; drafting a request for proposal information/request for information which includes a discussion of the problem; sending the request for proposal/request for information to the team of experts; receiving responses to the request for proposals/request for information from the team of experts; and utilizing the response to help find a solution to the problem. | 2009-01-22 |
20090024442 | SYSTEM AND METHODS FOR INCREASING SAFETY AND EFFICIENCY IN OIL FIELD OPERATIONS - Systems and methods for increasing safety and efficiency in oil field operations are provided. A monitor displays a map of an oil field that includes oil well objects, oil field facility objects, surface work crew objects, sub-surface work crew objects, and safety zones objects and work equipment rig objects. Each of the objects includes a date and location attribute. Each of the work crew objects are coded by a visual indicator to indicate a type of work, and selection of a work crew object produces a text box with a description of the associated work. A safety zone object is associated with the work crew objects and has a radius attribute that can be used to identify scheduling conflicts. A scheduling conflict is identified, and at least one work crew object is rescheduled via a domain-specific software application from which the crew object was extracted to remove the conflict. | 2009-01-22 |
20090024443 | SYSTEMS AND METHODS FOR MANAGING LARGE OIL FIELD OPERATIONS - Systems and methods for managing large oil field operations are provided. A oil field map is displayed on a monitor. The oil field map includes oil well objects, oil field facility objects, surface work crew objects, subsurface work crew objects, safety zones objects, and work equipment rig objects associated with at least one work crew object and having a geographic locater device for tracking its location, each of the objects include a date attribute and a location attribute. The oil field map is customizable by date and has a date selector tool. At least two surface or sub-surface work crew objects are scheduled via a domain-specific software application from which the surface or sub-surface work crew object was extracted. The scheduling of the surface or sub-surface work crew objects is repeated until all surface and sub-surface work crews are scheduled for a date range of interest. | 2009-01-22 |
20090024444 | Forecasting based on a collection of data - To forecast data, an initial collection of data having a first length is received. In response to determining that the first length of the initial collection of data is insufficient for performing forecasting using a forecasting algorithm, an order of the initial collection of data is reversed to provide a reversed collection of data. Forecasting is applied on the reversed collection of data to estimate additional data values to combine with the initial collection of data to provide a second collection of data having a second length greater than the first length. The forecasting algorithm is applied on the second collection of data. | 2009-01-22 |
20090024445 | Building market models - A trend of attributes associated with plural market participants is determined. A representation of the trend is computed, and market models for the market participants are built according to the representation of the trend. | 2009-01-22 |
20090024446 | Providing a model of a life cycle of an enterprise offering - According to information regarding an enterprise offering, characteristics of a life cycle of the enterprise offering are determined. A model including functions representing segments of the life cycle is produced based on the determined characteristics. | 2009-01-22 |
20090024447 | ANALYSIS OF MARKETING AND ENTERTAINMENT EFFECTIVENESS USING CENTRAL NERVOUS SYSTEM, AUTONOMIC NERVOUS SYTEM, AND EFFECTOR DATA - Central nervous system, autonomic nervous system, and effector data is measured and analyzed to determine the effectiveness of marketing and entertainment stimuli. A data collection mechanism including multiple modalities such as Electroencephalography (EEG), Electrooculography (EOG), Galvanic Skin Response (GSR), etc., collects response data from subjects exposed to marketing and entertainment stimuli. A data cleanser mechanism filters the response data. The response data is enhanced using intra-modality response synthesis and/or a cross-modality response synthesis. | 2009-01-22 |
20090024448 | PROTOCOL GENERATOR AND PRESENTER DEVICE FOR ANALYSIS OF MARKETING AND ENTERTAINMENT EFFECTIVENESS - A protocol generator and presenter device provides stimuli to a subject to allow analysis of the effectiveness of marketing and entertainment materials. A protocol generator generates presentation parameters such as length of presentation, number of repetitions, number of physiological baselines, etc. The presenter device uses the presentation parameters to elicit responses from a subject that are then measured and analyzed using multiple neurophysiological modalities. Feedback is provided to the protocol generator and presenter device to dynamically update presentation parameters. | 2009-01-22 |
20090024449 | HABITUATION ANALYZER DEVICE UTILIZING CENTRAL NERVOUS SYSTEM, AUTONOMIC NERVOUS SYSTEM AND EFFECTOR SYSTEM MEASUREMENTS - A system performs habituation analysis using central nervous system, autonomic nervous system, and effector data. Subjects are repeatedly exposed to stimulus material and data is collected using mechanisms such as Electroencephalography (EEG), Galvanic Skin Response (GSR), Electrocardiograms (EKG), Electrooculography (EOG), eye tracking, and facial emotion encoding. Data collected is analyzed to determine habituation and associated wear-out profiles for stimulus material. | 2009-01-22 |
20090024450 | LOST SALES DETECTION AND ESTIMATION USING RETAIL STORE DATA - Methods, systems, and apparatus, including computer program products, for detecting and estimating lost sales. A demand distribution for a product provided by a retail presence is determined. A probability of a lost sales occurrence is evaluated, including determining a predetermined time period and a probability of no sales over the predetermined time period. A determination of whether no sales have occurred over a time period corresponding in length to the predetermined time period is made. If the probability of no sales is below a threshold, an estimate of lost sales is determined. | 2009-01-22 |
20090024451 | Entertainment concept evaluation; decision matrix method - A Entertainment Concept Evaluation is achieved through the use of a Decision Matrix Method. The decision process is a critical tool for aggregating entertainment content on the Internet as well as the monetization of chosen concepts. | 2009-01-22 |
20090024452 | METHODS, SYSTEMS AND APPARATUS FOR DELIVERY OF MEDIA - Systems, methods and apparatus for collecting data and presenting media to a user are provided. The systems generally includes a data gathering module associated with an electronic device. The data gathering module communicates gathered data to a management module, which manages at least one user profile based on the gathered data. The management module may select media for presentation to a user based on the user profile, and the selected media may be displayed to the user via a media output device co-located with the user, such as a display of the user's mobile electronic device or a television, computer, billboard or other display co-located with the user. Related methods are also provided. | 2009-01-22 |
20090024453 | DIRECT MARKETING SYSTEM FOR MATCHING CALLER VALUE TO RISK AND REVENUE - A method for direct marketing comprising establishing a first communications link between a prospective customer using a device having a unique identification number and a communications device, automatically transmitting the unique identification number associated with the prospective customer's device to the communications device, establishing a second communications link between the communications device and a computer operably connected to a memory apparatus having a prospective customer database comprising prospective customer information associated with the unique identification number of the prospective customer's device, in which the information in the database determines prospective customer value which can be used to determine subsequent operations and marketing actions with the prospective customer. | 2009-01-22 |
20090024454 | System and method for evaluating real estate transactions - Evaluating a real estate transaction based on preliminary data about the transaction. An evaluation system employs a transaction evaluator software module that can receive input about a customer and a type of financial product. The transaction evaluator software module also has access to a variety of data sources defining parameters for the investing institution. When the transaction evaluator receives input for a customer, it retrieves the relevant parameters for investing and performs a series of calculations to determine the likelihood that the customer's transaction will be approved. The results of the calculations can be displayed to the user in a graphical format for a range of transaction values. The graphical presentation of the calculations assists the user in determining whether to proceed with the transaction. | 2009-01-22 |
20090024455 | Methods, Systems, and Computer-Readable Media for Providing an Indication of Hightime - Methods, systems, and computer-readable media provide for providing an indication of hightime. According to embodiments, a method for providing an indication of hightime is provided. According to the method, whether at least one of a plurality of technicians exceeds an allotted time with which to complete a job is determined. In response to determining that at least one of the plurality of technicians exceeds the allotted time, an indication that at least one of the plurality of technicians exceeds the allotted time is provided. | 2009-01-22 |
20090024457 | SYSTEM AND METHOD FOR INTERACTIVE CONTESTS - A system and method provide content review, distribution, ranking and access and automate creation and performance of contests among sets of content-based contestants. The system and method provide customizable interactive, ongoing, multi-level, multi-round contests with expert review of and filtered submission of content-based contestants. Among other advantages, providers may use the system and method to obtain expert and consumer review and ranking of their content. | 2009-01-22 |
20090024458 | Position-based Charging - A method of position-based charging comprises the steps of identifying journey details, including a plurality of position data each representing a location of a position-sensing device during a journey. A cost is determined for the journey and the cost and an identification of the position-sensing device are forwarded from the position-sensing device to a payment processing service. | 2009-01-22 |
20090024459 | METHOD AND SYSTEM FOR REWARD POINTS EXCHANGE BETWEEN ACCOUNTS - A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from of the reward servers and credits the accumulated rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access. | 2009-01-22 |
20090024460 | CURSOR PATH VECTOR ANALYSIS FOR DETECTING CLICK FRAUD - A system and method for detecting click fraud where the movement of a cursor on a web page is tracked prior to an advertisement on the web page being clicked by a controller of the cursor. The tracking is performed by client code on a client device displaying the web page. A path taken by the movement of the cursor is mapped to at least one vector associated with the path by the client code. The at least one vector is useable to detect a click fraud. | 2009-01-22 |
20090024461 | CURSOR PATH VECTOR ANALYSIS FOR DETECTING CLICK FRAUD - A system and method for detecting click fraud where data related to at least one vector associated with a path taken by movement of a cursor on a web page prior to an advertisement on the web page being clicked by a controller of the cursor is received. Click fraud is detected based on an analysis of the received data. A pattern in the at least one vector is analyzed to determine if the cursor movement is human-like and a click fraud detected if the cursor movement is not human-like. In another embodiment, the at least one vector associated with the path is stored and compared with previously stored vectors associated with the path and a click fraud detected if the stored at least one vector is analogous to at least one of the previously stored vectors associated with the path. | 2009-01-22 |
20090024462 | METHOD AND SYSTEM FOR PROVIDING TARGETED OFFERS BASED ON A CREDIT ATTRIBUTE - A method and system for providing targeted advertising to consumers is disclosed. Identifying information for a consumer is received. A credit attribute for the consumer using the identifying information is retrieved. At least one advertisement is stored in which each advertisement includes a corresponding credit attribute range. An advertisement for presentation to the consumer is selected based on the credit attribute of the consumer and the credit attribute range of the advertisement. | 2009-01-22 |
20090024463 | TECHNIQUES FOR IMPROVING USER ENGAGEMENT WITH ADVERTISEMENTS - Methods and apparatus are described for stimulating user engagement with advertising content. Presentation of an interface in a display for viewing by a user is facilitated. The interface includes a content window occupying a substantially fixed location in the interface. Presentation of a sequence of units of content in the content window, some of which are advertisements is facilitated. Various techniques are described to encourage user engagement and interaction with the content window. | 2009-01-22 |
20090024464 | METHOD AND SYSTEM FOR PROVIDING CONSUMER DEFINED COUPONS - A method and system for providing consumer defined coupons includes a process for providing consumer defined coupons whereby a consumer proposes/defines the parameters or “terms” of a proposed coupon and/or marketing offer that the consumer feels would compel the consumer to purchase a product and/or service, shop at a defined store, or perform some other defined action. The consumer defined coupon terms are then provided to a potential coupon provider. The potential coupon provider is then provided the opportunity to review the consumer defined coupon terms. The potential coupon provider is then provided the opportunity to accept the consumer defined coupon terms, reject the consumer defined coupon terms, and/or propose alternative coupon terms. If the potential coupon provider accepts the consumer defined coupon terms, a coupon is then created and provided to the consumer. | 2009-01-22 |
20090024465 | ADAPTIVE ADVERTISEMENT PLACEMENT RESPONSIVE TO SEARCH TERMS - Embodiments of the present invention address deficiencies of the art in respect to search engine ad placement and provide a method, system and computer program product for adaptive ad placement responsive to search terms. In one embodiment of the invention, a method for adaptive ad selection can be provided. The method can include placing both an ad and a search component within a page, auto-completing a search fragment for the search component with a keyword list, matching the keyword list to a new ad, and inserting the new ad into the page. In this regard, placing the ad within the page can include placing a default ad for the page within the page to be replaced by the new ad responsive to the auto-completion of the search component. | 2009-01-22 |
20090024466 | METHOD AND SYSTEM FOR SELLING DISCOUNTED FUEL - A system and method for selling discounted fuel which takes advantage of the efficiencies, lower transactional costs, and other savings of grocery stores and similar businesses to provide discounts at conventional fuel stations. The method is implemented by a grocery store or other business; a host computer system; one or more participating fuel stations; and a communications network for providing communications between the host computer system, the business, and the fuel station. | 2009-01-22 |
20090024467 | Serving Advertisements with a Webpage Based on a Referrer Address of the Webpage - Methods for selecting advertisements to serve to a client requesting a primary webpage is provided. The client displays a referring webpage having a hyperlink to the primary webpage. Upon selection of the hyperlink, the client sends a request to a content server storing the primary webpage, the request including a referrer of the primary webpage comprising a URL address of the referring webpage. The content server sends the primary webpage to the client which includes the referrer and an advertisement request mechanism configured to make an advertisement request to an advertisement server and attach the referrer to the advertisement request. The advertisement server uses the referrer to select one or more advertisements to serve to the client. The referrer may comprise one or more search query terms submitted by the client. The advertisement server may also use the content of the primary webpage to select the one or more advertisements. | 2009-01-22 |
20090024468 | System and Method to Facilitate Matching of Content to Advertising Information in a Network - A system and method to facilitate matching of content to advertising information in a network are described. A request for advertising information is received over a network, the advertising information to he displayed for a user entity in association with content information within a web page requested by the user entity. Advertising information related to one or more themes of the content information on the web page is further determined, the themes representing subject matter contextually related to the content information. Advertisements are further selected from the advertising information based on keywords and metadata stored within the web page and based on a set of predetermined parameters stored within the data storage module. The selected advertisements are further ranked to obtain a ranked list of advertisements. The ranked list of advertisements is subsequently optimized based on feedback data to obtain a list of optimized advertisements to be displayed for the user entity on the requested web page. | 2009-01-22 |
20090024469 | System and Method to Facilitate Classification and Storage of Events in a Network - A system and method to facilitate classification and storage of events in a network are described. An event and associated content information are received from an entity over a network. The content information is further analyzed to determine one or more themes representing subject matter related to the content information. The event is further classified according to the themes into one or more corresponding categories. Finally, the event is stored into one or more corresponding databases of a data storage module according to the one or more corresponding categories. | 2009-01-22 |
20090024470 | VERTICAL CLUSTERING AND ANTI-CLUSTERING OF CATEGORIES IN AD LINK UNITS - A technique, method, apparatus, and system to provide related ad link units with vertical clustered or anti-clustered categories to be displayed with web page content for view by a user. In one implementation, a method is provided. The method includes selecting a first ad link category for a first position of an ad link unit. One or more second ad link categories are identified using one or more similarity measures, where at least one second ad link category has one or more similarity measures associated with the first ad link category. | 2009-01-22 |
20090024471 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PROCESSING PAYMENTS - A payment processor for providing a payment service includes a transaction processor to process a transaction request. An application programming interface links a merchant to the transaction processor based on an identifier. A merchant center, located between a gateway and a point of sale device of the merchant, queries a database for information associated with a buyer and the merchant based on information received from the point of sale device, to generate the transaction request based from merchant transaction data received from the point of sale device and the information associated with the buyer and the merchant received from the database, and to communicate the transaction request to the transaction processor. The transaction processor also communicates information associated with the transaction request with the merchant based on the identifier. | 2009-01-22 |
20090024472 | Method and system for generating and controlling the distribution and use of personal promotion codes by targeted customers - A method and a system for generating personal promotion codes from the computing resources of a provider of services are described. Internal promotion codes including a family ID field and a serial ID field comprised of alphanumeric characters are first generated. The internal promotion codes are then encoded into a corresponding series of external promotion codes also comprised of alphanumeric characters, which render the internal promotion codes unintelligible. After which the series of external promotion codes is packed into an encrypted file which is forwarded to a client application of the provider of services to have the external promotion codes distributed to its customers. The external promotion codes later submitted to the client application by the customers are further validated by the provider of services. | 2009-01-22 |
20090024473 | SYSTEM AND METHOD FOR VIRTUAL EBOX MANAGEMENT - The present invention is directed towards systems and methods for providing content to a plurality of users. The method of the present invention comprises generating an interactive coupon and transmitting said coupon to at least one electronic mailbox (eBox), said eBox corresponding to a geographical location. The method provides a graphical user interface to display said electronic mailbox and displays said coupon through said graphical user interface. | 2009-01-22 |
20090024474 | SYSTEM AND METHOD FOR VIRTUAL EBOX MANAGEMENT - The present invention is directed towards systems and methods for providing content to a plurality of users. The method of the present invention comprises generating an interactive coupon and transmitting said coupon to at least one electronic mailbox (eBox), said eBox corresponding to a geographical location. The method provides a graphical user interface to display said electronic mailbox and displays said coupon through said graphical user interface. | 2009-01-22 |
20090024475 | NEURO-FEEDBACK BASED STIMULUS COMPRESSION DEVICE - A stimulus compression device determines neuro-feedback significance corresponding to stimulus material and modifies the stimulus material using neuro-feedback significance measures. For example, the stimulus compression device determines portions of a media stream corresponding to low neuro-feedback significance and removes them from the media stream. Compression of stimulus material may involve removal, modification, repetition, bit rate adjustment, resolution adjustment, etc. Transitions can be smoothed or lengthened to further improve processed stimulus material. | 2009-01-22 |
20090024476 | METHOD AND SYSTEM FOR ENHANCED GEOGRAPHICALLY-BASED AND TIME-BASED ONLINE ADVERTISING - A method for presenting advertisement images on a display screen, comprising: subdividing a map image into a plurality of geographic regions; associating a first advertisement image with a first region and a second advertisement image with a second region, the first and second regions being ones of the plurality of geographic regions; receiving a signal indicative of a region-of-interest, the region-of-interest being another of the plurality of geographic regions; selecting an advertisement image for the region-of-interest from among the first and second advertisement images; generating a presentation of the region-of-interest, the presentation including a view of the advertisement image; and, displaying the presentation on the display screen. | 2009-01-22 |
20090024477 | SYSTEM FOR MARKETING CAMPAIGN SPECIFICATION AND SECURE DIGITAL COUPON REDEMPTION - Product vendors are provided with a system for performing a marketing campaign to mobile communication device users, providing offers as instruments, such as digital coupons, to a selected group of users of the mobile communication devices and validating the integrity of the instruments. The invention has two phases: the selection of the components of the instrument from a menu provided by a social networking organization; and validating the instrument upon redemption from the product vendor. In the first phase, the product vendor selects elements from the menu relevant to the campaign, such as timing, nature of the offer, targeting of the recipients, etc. In the second phase, the instrument is encoded as to the marketing campaign and an arbitrary designation which initiates a pattern as the instrument is redeemed. The product vendor inspects the instrument to ensure that the encoding is correct during the redemption process. | 2009-01-22 |
20090024478 | System and Method for Asset Accumulation and Risk Management - The system and method of the present invention removes barriers that undermine efficient risk-management. The invention prioritizes consumers by predicting their unmet demand for risk protection. Once deemed eligible, consumers are enrolled and funds are allocated to the payment of a premium for income insurance, contribution to a financial vehicle such as a savings or investment product, and payment of a premium for savings loss insurance. Active participants are eligible for income protection in case of job loss, systematic savings and ownership of public equities, principal protection and incentives based on utilization. The system and method of the present invention is calibrated on an ongoing basis to the behaviors of target consumers. | 2009-01-22 |
20090024479 | COMMUNITY-BASED RECYCLING SYSTEM AND METHODS THEREOF - Embodiments of the present invention generally relate to a community-based recycling system and methods of utilizing same. In one embodiment of the present invention, a community-based recycling system comprises a first entity, providing recyclable material, a second entity, providing recyclable material, a load determining device for obtaining a qualitative or quantitative measurement of the recyclable material accumulated from both the first entity and the second entity, and a reward granted equally to each of the first entity and the second entity, wherein the reward corresponds to a value generated from the measurement of the recyclable material. | 2009-01-22 |
20090024480 | Method And System For Publishing Online Advertisement - The present disclosure discloses a method for publishing an online advertisement, including: downloading a raw advertisement creative file needed for publishing an advertisement; updating an advertisement target file according to the downloaded raw advertisement creative file; and displaying the advertisement according to the updated advertisement target file. The present disclosure further provides a system for publishing an online advertisement, an advertisement processing apparatus and an advertisement service apparatus. The solution enables dynamic advertisement publication in online games. Furthermore, an advertisement index file can be adopted in the solution to contain advertisement management parameters adapted to manage the advertisements displayed in online games, therefore the advertisement publication can be more flexible and the advertisements can be more effective. | 2009-01-22 |
20090024481 | Method and system for generating a real time offer or a deferred offer - A system for generating a real time offer or a deferred offer, including: an interface element, for at least one specially programmed general-purpose computer, arranged to receive an order from an end user device (EUD), the order including an first or service available from a business entity; and an offer element, in a processor for the computer, arranged to: generate, prior to fulfillment of the order by the business entity and using at least one of a first set of rules or a first artificial intelligence program stored in a memory unit for the computer, a first offer fulfillable as part of the order; and generate, prior to fulfillment of the order by the business entity and using the processor and at least one of a second set of rules or a second artificial intelligence program stored in the memory unit, a second offer fulfillable after fulfillment of the order by the business entity; and transmit, using the interface element, the first and second offers to the EUD. | 2009-01-22 |
20090024482 | System and method for deploying an ad widget - The present invention provides a system and method for deploying a requested widget as an advertisement on a remote device. The system comprising means for determining location of the remote device, means for determining if the requested widget to be placed on the remote device exists, and means for serving the requested widget as an advertisement to the remote device if the location is enabled for the requested widget and the requested widget exists. The present invention can also be viewed as a method for deploying a requested widget as an advertisement on a remote device. The method operates by determining location of the remote device, determining if the requested widget to be placed on the remote device exists, and serving the requested widget as an advertisement to the remote device if the location is enabled for the requested widget and the requested widget exists. | 2009-01-22 |
20090024483 | System and method for redeeming affinity rewards as political contributions - Systems, methods and computer program products for facilitating the redemption of affinity reward points as political contributions are disclosed. In an aspect, “points” or “miles” created through various existing affinity programs prevalent in the credit card and airline industries can be redeemed as political donations. Typically, such reward, award or bonus “points” or “miles” have been redeemed for free or discounted rewards such as airline tickets, hotel room stays, restaurant vouchers or other goods and services. However, millions of vested affinity points or miles are left unused (i.e., unredeemed). The present invention allows a consumer who holds such points or miles to link to a political campaign, political party or political action committee allowing excess points to be converted into cash donations to such political campaigns, political parties or political action committees. | 2009-01-22 |
20090024484 | SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS - In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data. | 2009-01-22 |
20090024485 | System And Method For Determining The Level Of An Authentication Required For Redeeming A Customers Award Credits - A redemption system for use with Low Authentication Promotion (LAP) programs. The redemption system includes a method for use with a network promotion system. The network promotion system provides awards to consumers for participation in promotion programs. The method performs steps of receiving award transaction information describing awards earned by consumers for participation in promotion programs, maintaining an award history database that contains the award transaction information, receiving a request from a consumer to redeem at least a portion of the awards earned by the consumer, and determining a level of consumer authentication required from the consumer to redeem the at least a portion of the awards, wherein the level of consumer authentication is determined from the award transaction information maintained in the award history database. | 2009-01-22 |
20090024486 | ONLINE MARKETPLACE FOR INTELLECTUAL PROPERTY - A method for providing an internet network based marketplace for intellectual property assets comprises the steps of producing a list of intellectual property assets which a poster wishes to license or sell, and making the list of intellectual property assets accessible to the network to viewers interested in licensing or acquiring one or more items on the list of intellectual property in a controlled format, wherein the list of intellectual property assets may be uploaded from a poster via a transfer of data over the internet. Either the poster or the viewer may be alerted in response to alert criteria about information pertaining to the list of intellectual property | 2009-01-22 |
20090024487 | METHOD AND SYSTEM FOR OFFERING AND COMMERCIALIZING PROPOSALS - A method for facilitating the development of research proposals is provided. Each user is registered as a supplier or as a buyer. Then, for each of the suppliers, one or more proposal abstracts are accepted. Each proposal abstract is stored in a database. A search request for proposal abstracts meeting a criteria is received from at least one of the buyers. A list of matching proposal abstracts that meet the criteria of the search request is sent to the one of the buyer. A request to view one or more of the proposal abstracts from the list of matching proposal abstracts is received from one of the buyers. Each of the one or more proposal abstracts is sent to the buyer. | 2009-01-22 |
20090024488 | SYSTEMS AND METHODS FOR IMPLEMENTING CENTRALIZED WORKFLOW MANAGEMENT FOR MULTIPLE DISPARATE ENTITIES - Systems and methods are provided to facilitate services for performing artists and their respective agents, managers, and other business representatives to interact and transact commerce with each other, and with buyers or purchasers of performing arts appearances within a secure online environment. In certain aspects, the systems and methods of the present invention advantageously leverage an online community and electronic processes of traditional entertainment procurement, and provide multiple entities with a customized cross-platform over the Internet without requiring certain relationship management software platforms. | 2009-01-22 |
20090024489 | REPUTATION BASED DISPLAY - A computer-implemented method for managing the display of items to which consumers may respond, which comprises the following: determining a first display position for an item based at least in part on a reputation associated with a profile to which the item belongs; causing the item to be displayed at the first display position; and during a lifetime of the item, adjusting the reputation associated with the profile to which the item belongs based on an aggregated consumer response with respect to the item, adjusting the display position of the item to a second display position based at least in part on the adjusted reputation associated with the profile, and causing the item to be displayed at the second display position. | 2009-01-22 |
20090024490 | System and method for web to package printing - A beginning to end solution is provided for ordering package printing on-line. A system and method for web to package printing is disclosed providing users online selecting, designing and proofing of a desired product in a three dimensional view. | 2009-01-22 |
20090024491 | SYSTEM AND METHOD TO CALCULATE PROCUREMENT OF ASSETS - A system and method to calculate a mode of procurement of at least one asset is provided. The system comprises a tracking element operable to generate a signal representative of a location of the at least one asset, and a controller in communication with the at least one tracking element. The controller includes a processor operable to execute program instructions representative of the acts of measuring a utilization of the at least one asset having a unique identifier over at least one time interval, calculating a projected need of the at least one asset over a predetermined future time interval dependent on the utilization of the at least one asset, calculating a mode of procurement of the projected need of the at least one asset dependent on the projected need of the at least one asset, and displaying the mode of procurement to the user. | 2009-01-22 |
20090024492 | Method and system for disk drive inventory - A post manufacturing inventory system to improve disk drive inventory after manufacturing are disclosed. One embodiment provides a computer system having serial number scanning capabilities to scan manufactured disk drive during a post manufacturing inventory count to reconcile with a drive count during manufacturing. In addition, a count verifier is coupled to the scanning unit to enable the inventory control system to verify real-time information read from the disk drives during inventory with pre-stored information pertaining to each drive. | 2009-01-22 |
20090024493 | METHOD AND SYSTEM FOR MONITORING FORESTRY PRODUCTS - A method and system for monitoring forestry products are provided in the present invention, wherein at least one active communicating device is disposed on a forestry product, and reading and transmitting devices are also disposed in specific locations for building a monitoring and management mechanism to protect the forestry products from stealing. By means the method and system of the present invention, it is capable of providing real-time monitoring information and collecting evidence of illegal actions immediately so that the management staff can control the situation and status of the forestry products, which is useful for improving the efficiency of forestry management. Meanwhile, the present invention may also help to find those lawless persons who steal and fell illegally the forestry resources so as to ensure the safety of working environment for forest managing staff and sustainable management of forest and natural resources. | 2009-01-22 |
20090024494 | METHODS, APPARATUS, SYSTEMS, COMPUTER PROGRAM PRODUCTS AND MEDIUMS FOR USE IN ASSOCIATION WITH ACCOUNTING AND/OR FINANCIAL ANALYSIS - In some embodiments, a method includes: generating entries for at least one cost plan, each of the entries including a planned amount and a descriptor, wherein the descriptor identifies a general ledger account. In some embodiments, a method includes: generating postings for at least one ledger, each of the postings including an actual amount, a first descriptor and a second descriptor, wherein the first descriptor identifies a general ledger account and wherein the second descriptor identifies a general ledger account. | 2009-01-22 |
20090024495 | Method and System for Monitoring Electronic Transactions - A method and system for monitoring electronic transactions, such as credit card transactions, to determine whether associated transaction costs, such as interchange fees, are being properly qualified. This is accomplished by monitoring for a “spike” in interchange qualifications and generating an alert when one or more spikes are detected. Spikes in interchange qualifications are defined as a variation in interchange qualifications compared with an historical level. The method and system may also monitor changes in cost or efficiency for other types of transactions in which the cost or efficiency of the transaction is based directly upon one or more variables. | 2009-01-22 |
20090024496 | Daylight Overdraft Tracking - Techniques and systems are disclosed for calculating daylight overdraft fees charged to a user associated with a plurality of deposit account. The daylight overdraft fees may be customized (or adjusted) to the amount of time the user's aggregate accounts remain in overdraft. As such, those users that spend more time in overdraft during a business day may be charged higher fees than other users. Moreover, multiple deposit platforms may provide account data through feeds. As such a user with multiple accounts may be charged according to its aggregate overdraft amount rather than simply on each account individually. Additionally, enhanced reporting and billing features are disclosed. | 2009-01-22 |
20090024497 | Configuration Method and Engine for Inter-module Interfaces of Billing and Accounting - The present invention relates to a configuration method for inter-module interfaces of billing and accounting system, the steps are as follows: 1) interface configuration method is stored in the billing and accounting system by a form of static library named as libcdr.a, it is an invoking relationship between a configuration engine of the inter-module interfaces and each functional module class, that is each functional module of the billing and accounting system invoking the configuration engine to complete an unified conversion transaction of input and output format; 2) automatic analysis of each service data is configurable; all configuration information is integrated in one unified configuration file cdr.ini, two types of data information transaction are supported in this configuration file: one is network element raw input data, other is standardized data in the system. | 2009-01-22 |
20090024498 | Establishing A Financial Market Data Component In A Financial Market Data System - Methods, apparatus, and products are disclosed for establishing a financial market data component in a financial market data system that include: retrieving, by a configuration module from a configuration repository, at least a portion of a global system configuration for a financial market data system, the financial market data system comprising a plurality of financial market data components; identifying, by the configuration module in dependence upon the retrieved portion of the global system configuration, component characteristics of a particular financial market data component in the financial market data system, the component characteristics further comprise a system identifier, a component functional group identifier, and a component business group identifier; and deploying, by the configuration module, the financial market data component in the financial market data system in dependence upon the component characteristics. | 2009-01-22 |
20090024499 | DISPLAYS CONTAINING FLAGGED DATA - Tools to provide visibility into a variety of financial transactions, and in particular aspects, financial transactions involving financial cards, such as debit cards and credit cards. Such tools can allow for authorized users (such as executives of card issuers, and the like) to view information about accounts that meet certain criteria. Merely by way of example, a user can select accounts that have undertaken (or attempted) a certain type of transaction and/or have had a transaction denied (such as a denial for improper PIN, exceeding withdrawal and/or spending limits, etc.) and/or view additional information about those accounts. | 2009-01-22 |
20090024500 | System and Method of Transaction Settlement Using Trade Credit - A method and system for settling a transaction with trade credit value which makes use of computer hardware and software, allows Members of a trade credit settlement system to transfer electronic instruments, called trade credits, in exchange for goods and services. These trade credits are effectively electronic bills of exchange that are divisible, transferable, discountable, continuously available and have been credit-enhanced to A/P1 status. Sponsors facilitate the system by registering buyers and suppliers as Members in the system and offering them operational accounts and drawdown accounts with authorized lines of credit. A Member-buyer approves the purchase invoice of a Member-supplier and authorizes the Sponsor to transfer trade credit value from the Member-buyer's operational and/or drawdown account into the operational account of the Member-supplier. The trade credit value received by the Member-supplier can be held in the Member-supplier's operational account until it matures, or discount it to cash before it matures, or transfer it to other Members for the purchase of goods or services. | 2009-01-22 |
20090024501 | Systems and Methods for Processing Pricing Data - Processing pricing data can be provided by receiving first data associating a first price source, a first market condition, and an instrument; receiving second data from at least one of a plurality of price sources, the second data comprising a first price quote for the instrument; determining that the at least one of the plurality of price sources matches the first price source; and generating a second price quote for the instrument based on the second data. Time data may be used for synchronizing the first data and the second data. The first price source may be changed to a second price source and/or the first market condition may be changed to a second market condition; and a third price quote generated for the instrument based on the associated second price source. Cached data may be used for processing the pricing data. | 2009-01-22 |
20090024502 | Application Method of Online Charging System in Arrears Risk Control System - An application method of On-line Charging System in Arrears Risk Control System: 1) The subsystem of OCS, Mediation, communicates with CC Client, receives a credit control request raised by the CC Client and processes with a fault-tolerant management. 2) The Credit Control analyses call request, identifies a type of service and request, selects necessary service transaction logic, and judges an authorized quota of the service, after receiving the quota, the Credit Control requests for real time forward modeling from the Rating. 3) After receiving a price of the service, the Credit Control requests real time inversion from the Rating and meanwhile transfers the price to the Rating. 4) The Rating requests account comparison from the Account after receiving the price. 5) The Account compares the price with a customer's account information to make decision of subsistence lock, if there is enough balance in the account, then the fee of the price will be deducted from the balance and then locked. 6) The Account returns the account information of the compared result. 7) The Rating inverses the authorization amount according to the compared result returned by the Account, and send back to the Credit Control. 8) The Credit Control constructs a service relevant responding package according to the authorization amount, and sends the responding package to the Mediation to complete the OCS processing flow. | 2009-01-22 |
20090024503 | EFFICIENT DEBT-CLEARING SYSTEM AND METHOD - An efficient debt-clearing system and method which is applied to electronic finance is disclosed. Internet technology is utilized to establish a direct-finance fund trading platform, whereby debtors can more efficiently raise funds with a lower cost to clear their debts, particularly the debts of credit cards and fiduciary loans. The efficient debt-clearing system functions as the core in the operation of the entire platform. Firstly, a debtor member submits an application to the platform. The platform analyzes the debt and credit of the debtor member and instructs the debtor to enhance his credit. Next, the platform directs the debtor member to the fund trading module to raise a fund. The fund acquired in fund trading is preferentially used to first clear the existing debt of the debtor member, and the debtor re-pays by installments the fund to the platform. | 2009-01-22 |
20090024504 | System and method for forecasting fluctuations in future data and particularly for forecasting security prices by news analysis - A system and method for predicting price fluctuations in financial markets. Our approach utilizes both market history and public news articles, published before the beginning of trading each day, to produce a set of recommended investment actions. We empirically show that these markets are surprisingly predictable, even by purely market-historical techniques. Furthermore, analyzing relevant news articles captures information features independent of the markets history, and combining the two methods significantly improves results. Capturing usable features from news articles requires some linguistic sophistication the standard naïve bag-f-words approach does not yield predictive features. Instead, we use part-of-speech tagging, dependency parsing and semantic role labeling to generate features that improve system accuracy. We evaluate our system on eight political prediction markets from 2004 and show that we can make effective investment decisions based on our systems predictions, whose profits greatly exceed those generated by a baseline system. | 2009-01-22 |
20090024505 | Global Risk Administration Method and System - Embodiments of a Global Risk Administration (GRA) method and system include a GRA tool that assists an institution with various decision making processes by enabling the institution to customize the GRA tool to generate decisions based on information input by the institution or a customer of the institution. The GRA tool further accesses third party data sources for the purpose of verifying information and gathering additional information to be used in generating decisions. The data sources are selectable by the institution as an aspect of the customization in an embodiment. In an embodiment, the institution is a financial institution (FI), and customizing the GRA tool involves an FI user assigning attribution rules using, wherein attribution rules comprise characteristics of applicants for financial accounts. The user further creates one or more decision classes using the UI, wherein one or more attribution rules place an applicant in a decision class; and the user creates business rules, wherein a business rule determines a manner in which the GRA module interprets data from the third party data sources. | 2009-01-22 |
20090024506 | CELLPHONE ACTIVATED ATM TRANSACTIONS - Receiving a transaction authorization request by an authorization system from an Automated Teller Machine (ATM), wherein the transaction request includes at least transaction details, identifying information and an authentication code, and wherein the authentication code is generated by software in the possession of a user requesting said transaction request; forwarding the identifying information and the authentication code to an authentication server which shares authentication secrets in common with the software; receiving authentication results of the authentication, and authorizing the transaction request in accordance with the received results. | 2009-01-22 |
20090024507 | UNIQUE VERSATILE AXPERT EXECUTOR ENGINE WHICH CAN INTERPRET AND EXECUTE TRANSACTION STRUCTURES AND INFORMATION VIEWS TO BUILD INFORMATION SYSTEMS - A technology platform which facilitates the business and domain users to build real time enterprise applications like SCM, CRM, and ERP etc without any knowledge of coding. It saves all business rules, access-control mechanism, business logic, related parts and otherwise middle-tier of any application as metadata within a database. Enterprise applications are built by doing high level definitions and not by writing software programs, the application is defined as process structures that are stored in XML format in the database. It stores the Business logic in the database as “Process Structures” thereby making the application server redundant. The process structures are then read and rendered by the Structure Execution and Management (STEM) which consists of execution services and management services. It can interpret and execute transaction structures and information views. This makes information system building simple and quick. The technology reduces a developer's job to a great extent because it only requires elementary knowledge of SQL. | 2009-01-22 |
20090024508 | METHOD AND SYSTEM FOR HANDLING METHOD LEVEL PROCESSING IN CONNECTION WITH CARDHOLDER ACCOUNT PROCESSING - A method and system are provided for automatically adjusting individual components of account processing for credit card accounts or other financial accounts based on characteristics and behavior of individual account holders. A first data store holds account data for financial accounts, including the account processing methods and associated method overrides applied to each financial account as well as account history information. A second data store holds decision rules for determining whether to apply a method override to the financial account based on the account history information. A decision engine retrieves the decision rules from the second data store and the account history information from the first data store, then determines, based on the decision rules and the account history information, whether a method override should be applied to the financial account. The decision engine then applies the method override to the financial account. | 2009-01-22 |
20090024509 | System and method for settling trades - A method of settling trades includes the steps of obtaining an authenticated delivery instrument, wherein the authenticated delivery instrument is authenticated by a first exchange and may be used to settle a trade undertaken on the first exchange. An electronic proxy is issued for the delivery instrument, wherein the electronic proxy may be exchanged for the authenticated delivery instrument and where the electronic proxy is used to settle a trade undertaken on a second exchange. | 2009-01-22 |
20090024510 | System and method of making markets for a finite subset of orders placed across continuous and countably infinite outcome spaces - An improved system and method is provided for making markets for a finite subset of orders across continuous and countably infinite outcome spaces. To do so, a prediction market engine may be provided to support prediction markets by aggregating information about orders specifying a continuous subspace of a continuous outcome space and orders specifying a subset of a countably infinite set of outcomes. The pricing and/or quantities for orders received may be determined, a response may be sent to traders indicating the pricing or quantities of orders for payment, and the amount owed for accepted orders may be collected. Winning accepted orders may be identified and payout may be made for winning accepted orders. Advantageously, the present invention may support aggregation of more information from market participants in a prediction market to forecast the likelihood of the occurrence of a certain event. | 2009-01-22 |
20090024511 | Method for Settling Commodity Trades - A third party scheduling company receives future commodity transaction data from subscriber companies and identifies transactions which are circular in nature (i.e. a series of transactions which begins and ends with the same company). The scheduling company notifies the subscriber companies when a circular transaction exists to allow these companies to settle the transaction into a purely financial obligation. | 2009-01-22 |
20090024512 | ORDER ROUTING SYSTEM AND METHOD INCORPORATING DARK POOLS - A method for routing a financial instrument order incorporating dark pools and at least one electronic communication network (ECN) or exchange. The financial instrument order includes an identification of a financial instrument, a bid or ask price, and a number of units to be traded. A ping order of the dark pools is determined. The financial instrument order is routed to a top dark pool as an immediate or cancel order. If the financial instrument order is not complete, the ping order is updated by removing the top dark pool. If any dark pools remain in the updated ping order, the financial instrument order is routed to the next dark pool. This process continues until all of the dark pools have been pinged or the financial instrument order is complete. If the financial instrument order is not complete, the financial instrument order is routed to the ECN or exchange. | 2009-01-22 |
20090024513 | Methods For Intellectual Property Transactions - A method for transacting intellectual property includes the steps of licensing an IP right corresponding to an IP asset to a licensee according to an agreement; receiving a payment from the licensee for the IP right according to terms of the agreement; and if a call or put option provision in the agreement is exercised, then receiving payment of the strike price and transferring ownership of the IP asset to the licensee. The call option provision provides the licensee the right to purchase the IP asset at a predetermined strike price within a specified time period. The put option provision provides the IP owner a right to sell the IP asset at a predetermined strike price. | 2009-01-22 |
20090024514 | Method and System for Process Brokering and Content Integration for Collaborative Business Process Management - Process Brokering Services (PBS) are implemented though the concept of Adaptive Documents to facilitate electronic commerce (e-commerce). PBS provides a single point of process control over the various fragmented execution flows and brings together the elements for process integration (views, content, flows) in a unified, scalable architecture on an industry standard platform. The two principal functions of the PBS are brokering of multiple business processes encapsulated in various back-end systems including workflow engines and business applications, and aggregating content from multiple enterprise information systems in the business context and managing the shared access to this based on the roles of the participants. The dynamic services provided by PBS are accessible to clients through the PBS Interface. | 2009-01-22 |
20090024515 | Method of doing business for auctioning a defaulted loan - A method of doing business includes identifying an owner of property willing to sell his property by an online auction, entering into a contract with the owner obligating him to complete the sales of his property conducted pursuant to terms of the contract; pre-arranging a minimum auction price for his property that accounts for the owner's interest, plus costs and fees, conducting the on-line auction with a plurality of bidders for his property whereby at the on-line auction's conclusion there is a winning bidder and ensuring the transfer of the winning bidder's funds to the escrow holder. | 2009-01-22 |
20090024516 | Method for directing and executing certified trading interests - Preferred embodiments of the subject invention comprise: (a) electronically receiving securities order-related data regarding a set of securities market participants; (b) electronically storing the received order-related data regarding the set of securities market participants; (c) electronically receiving a securities order-related query (or order parameters) from a first securities market participant; (d) based on the order-related query (or order parameters) received from the first securities market participant and on the securities order-related data regarding the set of securities market participants, computing a dissemination list of securities market participants based on ranking likely contras by probability of execution; and (e) transmitting that dissemination list to an entity who has been granted the privilege of receiving such lists in exchange for being contractually bound to respect confidentiality of the dissemination list and to use the list only for the purpose of sending securities-related information to members of the list. | 2009-01-22 |
20090024517 | SYSTEMS AND METHODS FOR MAKING STRUCTURED REFERENCE CREDIT DECISIONS - A structured reference credit decision device includes a database configured to store information related to applicants, potential customers, referencers, potential referencers, lenders, and other third parties, a fetch data component coupled with the database, the fetch data component configured to receive input application information, fetch relevant information from the database, based on the application information, related to a subject applicant of the input application information and at least one referencer, and generate a plurality of linked data packages based on the fetched information, and an evaluation device coupled with the fetch data component, the evaluation engine configure to apply credit outcome models to the plurality of linked data packages and generate a recommendation relative to the subject applicant or application. | 2009-01-22 |
20090024518 | Automated system of supply and demand pairing - An automated system of pairing money supply with loan demands. The system operates by pairing conformity with offered loans and their criteria with available supplies of funds. Employing networked computers with software adapted to the task, the system operates to match available funds with loan requirements for individuals and all types of business entities. | 2009-01-22 |
20090024519 | TRANSACTION PRODUCT WITH SEPARABLE PIECES - A transaction product includes a substrate and an account identifier. The substrate defines a plurality of pieces separable from a remainder of the substrate. Following separation of the plurality of pieces from the remainder of the substrate, the plurality of pieces are configured to be assembled with one another to define a three-dimensional object. The account identifier is attached to the substrate and links the transaction product to at least one of an account and a record, wherein the account identifier is machine readable by a point-of-sale terminal. Stored-value cards, combinations, methods of facilitating use of a transaction product and other embodiments are also disclosed. | 2009-01-22 |
20090024520 | Detection of Check Fraud Using Multiple Check Images - A system and method for determining the validity of a check, the method including receiving from a payer an image of a check to a payee together with a personal identifier identifying the payer, where the payer is a customer of a financial institution, determining an account to which the check pertains, comparing the received personal identifier with a personal identifier maintained by the financial institution for the account, comparing the payer check image with an image of the check produced after the payee receives the check from the payer, designating the check as valid if the personal identifiers are the same and if the check images match within a predefined tolerance, and designating the check as invalid if the personal identifiers are not the same or if the check images do not match within a predefined tolerance. | 2009-01-22 |
20090024521 | METHOD AND APPARATUS FOR EXTENDING LICENSE OF CONTENT IN PORTABLE DEVICE - A method and apparatus for extending a license of a content in a portable multimedia device includes receiving an instruction to extend the license, analyzing the received instruction for type of an extension of the license, and updating the data for controlling use of the content, which is included in the license, and payment data regarding payment for the extension of the license, based on the analysis, so that the license of the content can be extended in the portable multimedia device without the portable multimedia device having to be connected to an external device. | 2009-01-22 |
20090024522 | SYSTEM AND METHOD PROVIDING RULES DRIVEN SUBSCRIPTION EVENT PROCESSING - The present invention relates to a system and methodology providing an automated and dynamically responsive infrastructure to support online subscription services. The system includes one or more components to coordinate and manage a plurality of services offered by multiple service providers. This can include automatically creating and managing billing accounts for customers subscribing to such services. At least one engine is provided to process multiple rules in response to subscription events that occur in connection with the services in order to facilitate service delivery. At least one rating processor is provided to process multiple rating rules in response to subscription events for currency and non-currency resources. | 2009-01-22 |
20090024523 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 2009-01-22 |