05th week of 2015 patent applcation highlights part 58 |
Patent application number | Title | Published |
20150032577 | System and method for generating revenue for publishers of multimedia content over a network - A system and method for compensating publishers of content items, such as a video, graphics, songs, movies, images, advertisements, or any other type of content, in response to, or as a precondition to, viewing of a given content item by others at a host website. For example, multimedia content publishers upload their respective content items to a host website. The uploaded content items may be integrated into a video search engine, which is a feature of the host website. A given user wishing to view a given content item remunerates the publisher of the content item with payment through a third party payment provider, which may be a donation or minimal payment. Payment may be effected via a third party payment system such as PayPal™ of San Jose, Calif. | 2015-01-29 |
20150032578 | SYSTEMS AND METHODS FOR AUTHENTICATION, VERIFICATION, AND PAYMENTS - Computer systems and methods are provided for authenticating a user seeking to conduct at least one interaction with a secured capability provided by a computer. The method includes providing a first identifier to at least one verification server and providing a second identifier to an electronic device being used by the user. The first identifier and the second identifier each corresponds to the secured capability. The method further includes providing the electronic device with a user-selectable link configured to, upon being selected by the user, initiate a program to run on the electronic device. The program is configured to transmit a third identifier to the at least one verification server. The third identifier corresponds to the secured capability. The method further includes receiving authorization information from at least one of the electronic device and the at least one verification server. The method further includes using a processor (e.g., a processor of the computer) to provide the user with access to conduct the at least one interaction with the secured capability in response at least to the authorization information. | 2015-01-29 |
20150032579 | METHOD, SYSTEM AND DEVICE FOR PROVIDING SUPPLIER RELATED FINANCING - A computer program product embodied in a computer readable storage medium for providing supplier related financing to one or more Goods and Services Providers (GSPs), the computer program product comprising programming instructions for: a) authentication of a Purchase Order (PO) sent to a Goods and Services Provider (GSP) from a Payment Procedure Specific Organisations (PPSO) such as an insurance company; b) publication of the GSP's requirement for supply of one or more parts and/or services, for viewing by one or more potential suppliers; c) matching of said offers of supply in the form of trade credit from one or more suppliers to the GSP's requirements and/or the associated PO specification; and d) presentation of said preferential offers of supply to said GSP. | 2015-01-29 |
20150032580 | Method and Apparatus for Integrated Image Capture for Vehicles to Track Damage - Methods, apparatuses, and computer program products are disclosed for building a consolidated searchable database of vehicle images that were captured at a plurality of different sites. The database can be searched to track vehicle condition over time and over a plurality of transactions involving the vehicles. From this information, a determination can be made as to whether damage first arose on a vehicle during a particular transaction for the purpose of allocating responsibility for payment of repair costs. | 2015-01-29 |
20150032581 | USE OF E-RECEIPTS TO DETERMINE TOTAL COST OF OWNERSHIP - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: determine a purchase price paid for the product and costs associated with the product based on purchase transaction data; and determine an estimated total cost of ownership of the product based on the purchase price of the product and the costs associated with the product. | 2015-01-29 |
20150032582 | Signature extraction from accounting ratios - The method disclosed includes steps to identify mislabelling based on accounting data. The steps include: extracting a plurality of accounting ratios from accounting data based on a predefined metadata; deriving linguistic values for the accounting ratios; constructing a vector with linguistic values of accounting ratios; comparing the vector with a predetermined signature vector; and reaching a result based on the comparison. | 2015-01-29 |
20150032583 | METHOD AND SYSTEM FOR TRACKING PROJECT IMPACTS, EVENT IMPACTS, AND ENERGY SAVINGS - A method assesses an energy impacting event at a facility using an energy management system. One or more energy consuming endpoints of the facility are sub-metered and data from the sub-metered endpoints is transmitted to the energy management system. A project is created within the EMS by entering project definition attributes including at least a site name, a project name, and a start date. Data from one or more sub-metered channels and a project indicator is displayed. The displayed project indicator is located at a point corresponding to its project start time. A further method tracks the progress of energy saving project at a facility using an energy management system. The project definition attributes further include one or more sub-metered channels, baseline usage data, and an energy related goal. An energy impact value is calculated by subtracting the actual sub-metered usage data from the baseline data and a determination is made whether the energy impact value meets or exceeds the energy goal. The baseline usage data, the energy goal data, the actual sub-metered data, and an indication of whether the energy goal was met are displayed. A further method tracks the financial progress of energy saving project at a facility using an energy management system. The project definition attributes further include one or more capital investment outflow values, a discount rate, and an energy cost rate. Net actual project cash flows and the net project goal cash flows are both plotted against a time scale and periodically displayed. An estimated net present value and net present value are periodically calculated and displayed. | 2015-01-29 |
20150032584 | METHODS AND SYSTEMS FOR COLLECTING FEES FROM A MERCHANT AND REMITTING THE FEES TO AN ADMINISTRATIVE AGENCY - The present disclosure provides systems, processes, and methods for the remittance of sales tax to a government entity on behalf of a first entity, such as a merchant, for a remote purchase of a product made by a second entity, such as a buyer. The merchant may be in electronic communication with the buyer to receive the order from the buyer. An item distributor may be in electronic communication with the merchant and may receive data over a network associated with the purchase transaction. The distributor may receive the item from the merchant to be delivered to a shipping address provided by the buyer. The item distributor may receive the sales tax from the merchant for remittance to the government entity and may remit the sales tax to the government entity, along with the necessary associated data and/or documentation, on behalf of the merchant. The sales tax, along with the associated data and documentation may be submitted electronically over a network to a government system configured to receive such sales tax and data. | 2015-01-29 |
20150032585 | APPARATUS AND METHOD FOR RECIPIENT DISTRIBUTION AND TRACKING - An apparatus and method of maintaining beneficiary information are disclosed. The apparatus can be configured to perform the method, which may include obtaining information for one or more recipients of one or more conveyances of property, obtaining one or more digital IDs from the one or more recipients, maintaining the one or more digital IDs from the one or more recipients by periodically sending notifications to the one or more recipients, and distributing assets with the one or more digital IDs to the one or more recipients. | 2015-01-29 |
20150032586 | USE OF E-RECEIPTS FOR CONSUMPTION TRACKING - Embodiments related to tracking consumer consumption for purchased items are included in systems that receive e-receipt data, including stack keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems identify transactions associated with one or more customer goals based on the SKU level data and calculate a first quantity of consumption for each of the identified transactions. | 2015-01-29 |
20150032587 | Automated Financing Workflow - A computer-based system processes applications for financing, such as applications for equipment financing. The system represents each financing application process using a collection of data structures, referred to as “navigable items.” Each person involved in a financing application process, such as the applicant, sales representative, and sales manager, may be assigned a corresponding role. The user experience that the system provides to each user in connection with the financing application process, such as the information that the system does and does not present to the user in connection with the financing application process, varies depending on the content of the navigable items within the process and the role of the user in the process. In this way, embodiments of the present invention provide a flexible system that adapts its behavior both to different financing products and to the roles of different users within financing application processes. | 2015-01-29 |
20150032588 | SYSTEMS AND METHODS FOR ENROLLING MERCHANTS USING CARD DATA - The disclosed embodiments include methods, systems, and articles of manufacture for registering merchants to accept payments. A user interface is generated to include an option for a user to provide registration data from a card containing identification data. A ready signal is communicated to an input device indicating the user selected the option to provide the registration data from the card. Registration data is determined from a received data signal and a second user interface requesting confirmation of the registration data is generated. After the registration data is confirmed, the registration data is sent to a registration system. | 2015-01-29 |
20150032589 | ARTIFICIAL INTELLIGENCE FRAUD MANAGEMENT SOLUTION - An artificial intelligence fraud management solution comprises an expert programmer development system to build trainable general payment fraud models that integrate several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, and rules and constraints. These are further integrated by the expert programmers and development system with smart agents and associated real-time profiling, recursive profiles, and long-term profiles. The trainable general payment fraud models are trained with supervised and unsupervised data to produce an applied payment fraud model. This then is applied by a commercial client to process real-time transactions and authorization requests for fraud scores. | 2015-01-29 |
20150032590 | APPARATUS AND A METHOD FOR CREATING A HIGH SPEED FINANCIAL MARKET DATA MESSAGE STREAM - A matching engine message stream generator of an electronic exchange platform generates protocol-specific market data messages use and includes a first interface created on a reconfigurable logic device that receives matching engine message(s) with a source specific format from a matching engine. Based on a set of pre-defined conditions, the first interface filters out and discards messages of source specific format. The message stream generator further includes a buffer on the logic device that stores undiscarded messages of source specific format. The message stream generator also includes logic on the logic device that converts stored message(s) in source specific format into a market data message in a standardized format and generates a stream of market data messages having that standardized format. The message stream generator includes a second interface on the logic device that transmits the stream of converted market data messages. | 2015-01-29 |
20150032591 | COLLATERAL SEGREGATION, ALLOCATION, AND MANAGEMENT SYSTEM AND METHOD - A system for managing collateral in one or more financial transactions includes one or more processors, at a securities intermediary to the one or more financial transactions, configured to execute one or more computer program modules. The program modules are configured to establish an individual segregated account for each of a plurality of pledgors, receive a lock-up amount from one or more secured parties for one of the plurality of pledgors, receive a request to post collateral from an account of the one of the plurality of pledgors to the individual segregated account associated with the one of the plurality of pledgors, and allocate collateral from the account of the one of the plurality of pledgors to the individual segregated account associated with the one of the plurality of pledgors, for the benefit of the one or more secured parties, the collateral being at least equal to the lock-up amount. | 2015-01-29 |
20150032592 | Automated Options Trading System That Generates a Flattened Trading Spread - Disclosed herein are system, method, and computer program product embodiments for generating a flattened trading spread. An embodiment operates by receiving one or more inputs indicating criteria for a potential trade including a stock, a predicted direction for the stock, a predicted duration for the predicted direction, a tolerable probability of success, and a tolerable percentage of potential loss from an account. A scan on the stock within the predicted duration is executed against a database containing real-time quotes and associated trading data. Results returned from the executing are processed to determine if each result accords with one or more strategies determined to meet the criteria. For each result determined from the processing to accord with a strategy, a flattened spread is calculated based on the criteria, the flattened spread comprising: a probability of success, a measure of return, and a measure of risk. | 2015-01-29 |
20150032593 | METHOD AND SYSTEM FOR CURRENCY EXCHANGE BY POINT OF CONVERSION - In one embodiment, one use of the disclosed method/system is for any multinational entity or individual performing currency exchanges is for business or personal use. This embodiment will greatly enhance the Transparency of the Cash Conversion Process at the ACTUAL POINT OF CONVERSION (POC), revealing dealt and offset pricings and TIME thereof thus providing the customer with a complete report of conversion as with any commodity conversion. With the POC method, the client will have a substantially complete accounting of the value of the funds conversion from one region's currency to another. | 2015-01-29 |
20150032594 | PRODUCTS AND PROCESSES FOR GENERATING A PLURALITY OF ORDERS - A trading platform and trading method that permit calculation of a price is described. Other embodiments are also described. | 2015-01-29 |
20150032595 | METHOD AND APPARATUS FOR TRADING SECURITIES - The present invention relates to a method and apparatus for transaction securities. According to the present invention, a disposal restriction on securities can be set or canceled by setting up a security right or creating other contracts according to an enterprise declaration of will. Also, according to the present invention, securities liquidity and stability can be increased by enabling an owner of securities to dispose of the securities having a disposal restriction set through a sell restriction management agreement, as well as by imposing certain restrictions on disposal. | 2015-01-29 |
20150032596 | SYSTEM AND METHOD FOR MATCHLESS POST-TRADE PROCESSING - Techniques for managing the trading of financial instruments using a central utility including one or more storage devices for storing a set of rules for confirmation in the trading of financial instruments. One or more processors are operatively coupled to the storage devices and one or more transmitters and receivers and configured to receive trade messages sent over a network between a buy-side party and a sell-side party, validate the trade messages between the parties, and generate an electronic file including an enriched trade report based on at least the trade messages, the set of rules, and allocation information including one or more trades. The electronic file including the enriched trade report is transmitted over the network to at least one of the buy-side party and the sell-side party. | 2015-01-29 |
20150032597 | ONLINE EXCHANGE FOR PERSONAL DATA - Technology is disclosed for an online exchange for personal data. In various embodiments, the technology receives data (e.g., geographic location data and/or personal data); determines whether the first user is to be compensated based at least on the received data; and if the first user is to be compensated, provides a compensation to the first user. | 2015-01-29 |
20150032598 | SYSTEM AND METHOD FOR GENERATING A NATURAL HAZARD CREDIT MODEL - Embodiments include systems and methods of detecting and assessing multiple types of risks related to mortgage lending. One embodiment includes a system and method of detecting and assessing risks including early payment default risks, and natural hazards risks on loan applications. One embodiment includes a computerized method that includes creating a combined risk detection model based on a default and natural hazards risk detection models and using the combined risk detection model to evaluate loan application data and generate a combined risk score that takes into account the different types of risks individually and collectively detected by the plurality of risk detection models. | 2015-01-29 |
20150032599 | COMPUTER-BASED METHOD FOR SORTING PAYMENT SYSTEMS - A computer-based method for sorting payment systems. The computer-based method may comprise the steps of: providing an electronic data processing unit; obtaining one or more parameters of a user by said one or more applications; creating one or more payment systems groups; prioritizing the payment systems groups by the application; populating at least one of the payment systems groups with one or more payment systems based upon the parameters; sorting the payment systems within one the payment systems groups to create a sorted payment system; adding the sorted payment systems to a list; and displaying the list to the user. | 2015-01-29 |
20150032600 | COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES - In certain embodiments, a system for executing electronic transaction services comprises one or more processors operable to access first charge information associated with electronic transactions related to a plurality of nodes, access second charge information associated with electronic transactions related to a plurality of regulatory authorities, access a plurality of previously executed electronic transactions associated with a user, determine one or more transaction patterns based on the plurality of previously executed electronic transactions, determine a current cost associated with the one or more transaction patterns based at least in part on the first and second charge information, and determine, based at least in part on the first and second charge information, one or more proposed electronic transactions associated with a proposed cost less than the current cost. | 2015-01-29 |
20150032601 | COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES - In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts associated with an entity, one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access account data from the plurality of accounts, the one or more interfaces further operable to receive a service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity, the one or more processors further operable to determine one or more second of the plurality of accounts associated with the entity, and filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts. | 2015-01-29 |
20150032602 | UNDERSTANDING PAST PURCHASE TRANSACTIONS BASED ON PURCHASE TRANSACTION HISTORY - Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved. | 2015-01-29 |
20150032603 | CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS - The CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS (“DPA”) transforms NFC, virtual wallet, and authentication inputs into application launch instructions and transaction information outputs. In some implementations, this may be achieved via obtaining an indication that a user device is in proximity to an NFC tag, where the NFC tag is associated with a merchant. Based on the indication, contents of the NFC tag are obtained. The contents include an authentication certificate for the merchant. The NFC tag is authenticated using the authentication certificate, where the authenticating of the NFC tag generates an authentication result indicating a validity of the NFC tag. An application launch instruction is provided to the user device based on the authentication result. The application launch instruction is processed at the user device to open an application associated with the merchant on the user device. | 2015-01-29 |
20150032604 | MERCHANT DATA CLEANSING IN CLEARING RECORD BASED ON TARGETED MERCHANTS - 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 are provided with the cleansed, and optionally augmented, merchant information. Before providing the cleansed and/or augmented merchant information, a determination is made of whether a “do not recognize” call is likely, based upon a determination by a computing device of whether or not the merchant is on a “watch-list” of merchants. The “watch-list” is previously generated based upon one or several factors, including whether or not a minimum number or percentage of previous transactions have resulted in charge-backs, whether DNR transactions associated with the merchant were previously reported, or if an acquirer, issuer, or third-party payment provider recommends the merchant for inclusion. | 2015-01-29 |
20150032605 | SYSTEMS AND METHODS FOR DIGITAL CHECK CONVERSION - Systems and methods are provided for digital check conversion. In one embodiment, a method is provided. The method may include accessing, by a computer, respective check information associated with one or more checks. The method may also include generating, by the computer based at least in part on the respective check information, machine-readable code. Furthermore, the method may include presenting, by the computer, the machine-readable code to a payment device for payment of one or more items. | 2015-01-29 |
20150032606 | SYSTEM FOR PERFORMING SECURE LARGE MONETARY TRANSACTIONS THROUGH MOBILE COMMUNICATION DEVICES - A computerized system and associated process for securing large monetary transactions through mobile phones or smartphones. The system offers several security innovations bringing the trust and safety expected when handling such important transactions. | 2015-01-29 |
20150032607 | MOBILE DEVICE BASED VEHICLE DIAGNOSTIC SYSTEM - A vehicular diagnostic communications system, and components thereof, are provided for an apparatus and technique for communicating vehicular diagnostic information over a cellphone network. The system includes a code reader having a vehicle diagnostic port connector for receiving vehicle diagnostic information from the vehicle diagnostic port. The code reader also has a local connectivity network circuit for communicating vehicle diagnostic information between the vehicle diagnostic port connector and a local connectivity circuit. A cellphone is arranged in communication with the local connectivity network for communicating vehicle diagnostic information between the code reader and a cellular telephone network. | 2015-01-29 |
20150032608 | SYSTEM AND METHOD FOR MANAGEMENT OF CREDIT SUBSCRIPTIONS - A system and method of managing credit subscriptions corresponding to a customer are disclosed. The credit subscriptions may include quantities of one or more credits with predetermined validity durations. The credit subscriptions may be active for a subscription lifetime, and the credits may be redeemable in a variable value transaction involving a piece of media content. Managing a credit subscription may include receiving a subscription management message, translating a subscription package code to a quantity of credits, creating or renewing the credit subscription with the quantity of credits, modifying the credit subscription, or deleting the credit subscription. The subscription management message may include a customer number, a subscription package code, and a subscription lifetime specification. Credits and credit subscriptions may be created as a one-time issuance or may be automatically renewed on a periodic basis. | 2015-01-29 |
20150032609 | CORRELATION OF DATA SETS USING DETERMINED DATA TYPES - A computer receives a data set and determines the data type of the column data within. The computer identifies a second data set with columns of the same data type. The computer compares the contents of the columns and the formatting of the contents to determine a score representative of the relevancy of the data sets to one another. Responsive to the score exceeding a threshold, the computer suggests the second data set to a user. | 2015-01-29 |
20150032610 | SYSTEM FOR ALTERING BILL PAYMENTS - Embodiments of the invention are directed to systems, methods and computer program products for altering bill payments. An exemplary apparatus is configured to: determine a customer meets the eligibility requirements for altering bill payments, provide an option for the customer to participate in a service for altering bill payments based at least partially on determining the customer meets the eligibility requirements for altering bill payments, receive a request from the customer to alter one or more bill payments, and alter the one or more bill payments based at least partially on the request to alter one or more bill payments. | 2015-01-29 |
20150032611 | SYSTEM FOR ALTERING BILL PAYMENTS PAYABLE TO A THIRD PARTY - Embodiments of the invention are directed to systems, methods and computer program products for altering bill payments. An exemplary apparatus is configured to: receive eligibility requirements for altering bill payments payable to a third party, establish an agreement with the third party to provide a service for altering bill payments payable to the third party, receive a request from the customer to alter a bill payment payable to the third party, where the bill payment is associated with an original payment arrangement having an original amount due on an original payment due date, and facilitate altering the bill payment payable to the third party based at least partially on the request to alter the bill payment. | 2015-01-29 |
20150032612 | MOBILE DEBIT NOTE PAYMENT METHOD, AND A SYSTEM THEREFORE - The invention relates to a method and a system adapted to the payment of a bill ( | 2015-01-29 |
20150032613 | PAYMENT SYSTEMS AND METHODS FOR ACCELERATING DEBT PAYOFF AND REDUCING INTEREST EXPENSE - The electronic payment systems and methods of the present disclosure accelerate debt payoff and reduce interest expense. A method of operating an electronic payment system includes storing funding source information relating to at least one funding source in a database, storing funding schedule information, which includes funding schedule type, relating to at least one funding schedule corresponding to the at least one funding source in the database, and allocating an available funding amount from the at least one funding source to the plurality of recurring payment accounts based upon the funding source information, the funding schedule information, and the recurring payment account information. A method of enrolling at least one client in an electronic payment system includes receiving client information relating to the at least one client, which includes funding source information relating to at least one funding source and payment account information relating to at least one payment account, selecting a regular funding cycle associated with the at least one funding source, determining a regular funding amount associated with the selected regular funding cycle, determining a plurality of potential funding profiles based upon the client information, and selecting at least one funding profile from the plurality of potential funding profiles. | 2015-01-29 |
20150032614 | SYSTEM AND METHOD FOR ANALYZING ANONYMOUS PAYMENT CARD DATA - A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. Comparing the target account number includes identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers, comparing the target set of transaction times to the first candidate set of transaction times, and identifying the first candidate account number as a match candidate if the target set of transaction times and first candidate set of transaction times do not include overlapping transactions. | 2015-01-29 |
20150032615 | INTEGRATION OF PURCHASE TRANSACTION LEVEL DATA INTO CUSTOMER ONLINE BANKING - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view. | 2015-01-29 |
20150032616 | PERSONAL FINANCE MANAGEMENT SYSTEM BASED ON INTEGRATED ELECTRONIC RECEIPTS - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in online banking to create a personal finance management system. The personal finance management system providing a customer with a granular categorization of spending based on item level spend, wherein the finance management incorporates customer transactions completed with any payment means a customer may use (including cash transactions). The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into a customer's online banking. Utilizing the electronic communications and online banking data the invention builds a personal finance management interface that is based on the transaction level data from the e-receipts and the customer's online banking. | 2015-01-29 |
20150032617 | Secure Channel Payment Processing System and Method - The present invention relates to a method and system for performing fraud screening and choosing whether to accept or deny a transaction within any channel. The system may facilitate the fraud screening processing for the case where this channel is the offline card not present channel, which may be utilized for call center transactions. The system may include a server that receives a transaction request and performs a first fraud screening based on transaction information of the requested transaction. The server may further determine which operation to perform: whether to issue a final response right away (accept, reject) or whether to gather more information before issuing a final response. The information gathering may be an authentication method only usable in another channel (online channel or offline card present channel). The server may create an asynchronous payment, which secures the reservation of the good, while allowing performing the new channel authentication at a later time. Depending on the information gathering results, the server further determines which operation to perform: whether to issue a final response right away (accept, reject) or whether to gather information a second time before issuing a final response. This second information gathering may be a manual review. | 2015-01-29 |
20150032618 | Anti-fraud system and its method for on-line transaction with credit card - An anti-fraud system and its method for on-line transaction with credit card, comprising an on-line transaction anti-fraud system linked between at least an e-commerce client and at least a verification/authorization agency; said on-line transaction anti-fraud system and verification/authorization agency may implement corresponding verification or verification and authorization according to different trading levels of the credit card; said on-line transaction anti-fraud system consists of at least a multi-information verification module, at least a mobile phone real-time ID verification module, at least a database and at least a consumption behavior analysis module; said consumption behavior analysis module is used to analyze the historic consumption records of the credit card consumer in the database, judge the trading risk levels, and activate the multi-information verification module or the mobile phone real-time ID verification module specific to different verification mechanisms, so as to identify the risk of credit card on-line transaction. | 2015-01-29 |
20150032619 | COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES - In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity and one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access, account data from the plurality of accounts, monitor transactions in the plurality of accounts, determine one or more transaction patterns, determine one or more proposed transactions, wherein the one or more proposed transactions represent electronic transfers of funds involving one or more of the plurality of accounts, and determine one or more advantages to the entity associated with the one or more proposed transactions. | 2015-01-29 |
20150032620 | COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES - In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive service data related to a plurality of service requests, receive a first message identifying a user, an electronic transaction service, and a problem associated with the user and the electronic transaction service, communicate a second message to one or more service administrators identifying the user, the electronic transaction service, and the problem, receive, from at least one of the one or more service administrators, authorization credentials and a limit to the use of the electronic transaction service for the user, and one or more processors operable to determine whether the authorization credentials satisfy authorization criteria, and, if the authorization credentials satisfy the authorization criteria, apply the limit to a subsequent service request by the user. | 2015-01-29 |
20150032621 | METHOD AND SYSTEM FOR PROXIMITY FRAUD CONTROL - A method for authenticating a user in a payment transaction using a computing device includes: storing location data entries, each entry including a geographic location of a mobile device and a time; receiving an authorization request for a payment transaction, the request including an account identifier, location identifier, and authorization time; identifying a specific data entry where the included time is within a predetermined period of time of the authorization time; when the location included in the specific data entry is indicative of the mobile device being not present at the location of the location identifier, transmitting a request to a computing device associated with the account identifier for action by a user to prove their identity; receiving, data conveying the action taken by the user; and authenticating the user based on the received data and authentication information associated with a payment account corresponding to the account identifier. | 2015-01-29 |
20150032622 | ONLINE CREDIT RETURNS METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable an immediate online credit refund transaction. | 2015-01-29 |
20150032623 | SYSTEMS AND METHODS TO ENABLE PAYMENTS IN THE ABSENCE OF A POINT OF SALE DEVICE - A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank. | 2015-01-29 |
20150032624 | FRAUD DETECTION ENGINE AND METHOD OF USING THE SAME - A fraud detection system and method uses unique indicators for detecting fraud that extend beyond traditional transaction-based indicators. These unique indicators may include environmental information about a customer or a transaction. Such indicators may be used to identify fraud events based on computer-executable instructions that evaluate fraud risk. Further, an improved fraud detection system may include a learning component with a feedback loop. Also, authenticating and other information may be directed to the system for updating indicating data, fraud models, and risk assessments. | 2015-01-29 |
20150032625 | SYSTEMS AND METHODS FOR COMMUNICATING RISK USING TOKEN ASSURANCE DATA - Systems and methods for communicating risk using token assurance data are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. An authorization request message can include a token assurance level code that is indicative of a token assurance level associated with a generated token. External or internal entities may use the token assurance level to evaluate risk associated with a payment transaction that uses the token. | 2015-01-29 |
20150032626 | SYSTEMS AND METHODS FOR INTEROPERABLE NETWORK TOKEN PROCESSING - Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management. | 2015-01-29 |
20150032627 | SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT - Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management. | 2015-01-29 |
20150032628 | Payment Authorization System - A payment system determines a required level of authentication for a payment transaction by a candidate consumer, based on a correlation with transactions by other consumers related to the candidate consumer, identified for example from one or more social networks. The correlation may be based on geographical location, time and/or type of transaction. A high correlation may indicate a group activity which requires a lower level of authentication. | 2015-01-29 |
20150032629 | Systems and Methods for Appending Supplemental Payment Data to a Transaction Message - A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. If the transaction satisfies a payment rule, the managing platform appends supplemental payment data to the transaction message in a format specified by a financial institution associated with the cardholder. The supplemental payment data includes information identifying a secondary payment account associated with the satisfied payment rule. The managing platform subsequently transmits the appended transaction message to the financial institution associated with the cardholder. | 2015-01-29 |
20150032630 | SYSTEMS AND METHODS FOR POSTPONING CHECK SETTLEMENT - Systems and methods are provided for postponing check settlement. According to one or more embodiments, a method is provided. The method may include receiving, by a computer including one or more processors, check information associated with a check on a current date. The method may also include determining, by the computer, a destination account identifier for the check and determining whether to postpone settlement of the check until after the current date. Furthermore, the method may include identifying, by the computer upon a positive determination to postpone settlement of the check, a delayed settlement date associated with the check. Additionally, the method may include storing an association between the check information, the delayed settlement date, and the destination account identifier in a database in communication with the computer | 2015-01-29 |
20150032631 | PORTABLE DEVICE FOR FINANCIAL DOCUMENT TRANSACTIONS - A system which comprises a server which processes a plurality of financial document transaction requests each having a magnetic ink character recognition (MICR) code and an image of a financial document and a module installed in a portable device having an image sensor, a processor and a transmitter, the module uses the processor to extract a MICR code from a financial document imaged in an image captured using the image sensor and uses the transmitter to forward the MICR code and the image to the server via a network as a financial document transaction request. | 2015-01-29 |
20150032632 | Web-hosted Engine for Continuously Improving the Identification of Safer Products for Administration - Genetic information relating to clinically significant attributes are generated as unique molecular signatures, which are provided to a subscriber to be carried as a card or in another form, including for display by a subscriber's computer or smart-phone or PDA. The signature is periodically updated as new clinically significant attributes become known. The process of updating the signature and using it to obtain suitable products (which don't have an unacceptable risk of generating an adverse reaction or outcome) is also described. | 2015-01-29 |
20150032633 | AUTHENTICATION SYSTEM FOR MOBILE DEVICES FOR EXCHANGING MEDICAL DATA - An authentication system, a mobile electronic device, an instantiating unit and a method, as well as a computer program product are disclosed for the authentication of a patient against a central registry which exchanges data with a repository for the storage of medical data records. In an embodiment, an individualised application is loaded and installed on the mobile radio device in order to sign messages to the registry with a signature. The signature can be triggered in the registry to check the authenticity of the remote patient in order to provide data access. | 2015-01-29 |
20150032634 | CLOUD-BASED ELECTRONIC PAYMENT PROCESSING - A payment processing server generates an asymmetric cryptographic key pair, over one secure communications channel providing a mobile device with one cryptographic key of the cryptographic key pair, and saves another cryptographic key of the cryptographic key pair in a pending transaction database in unique association with a single-use payment number and a financial account. The server encrypts the payment number, which does not identify the financial account, with the another cryptographic key and provides the mobile device with the encrypted payment number over another secure communications channel distinct from the one secure communications channel. The server receives from a payment terminal a payment completion request that includes the encrypted payment number decrypted with the one cryptographic key. The payment processing server queries the pending transaction database with the decrypted payment number to identify the associated financial account, and effects completion of the transaction using the identified financial account. | 2015-01-29 |
20150032635 | SYSTEM AND METHOD FOR EXCHANGING DATA WITH SMART CARDS - A system that includes an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device, and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application. | 2015-01-29 |
20150032636 | Dissociative Payment Transaction And Receipt System And Methods Of Using Same - A system for authorizing and facilitating payment transactions utilizing a payment device, a merchant terminal, and a payment server. The payment server generates unique, single-use payment credentials and provides the payment credentials to the payment device, which transfers the payment credentials to the merchant terminal. The merchant terminal submits the payment credentials and transaction request to the payment server, which facilitates the transfer of funds between the consumer and the merchant upon validation of the payment credentials. In an alternate use of the system, the payment device requests to open a running bill of charges with the merchant terminal. The payment device or the merchant terminal requests the payment server to close out the bill and finalize the charges. The payment server facilitates the transfer of funds between the consumer and the merchant. The payment server provides automated and manual accounting functions to both the consumer and merchant. | 2015-01-29 |
20150032637 | CREATING IMAGE PRODUCT DESIGN BY DISTRIBUTED USERS IN A TRUE TEMPORAL PARALLEL FASHION - A computer-implemented method includes allowing a first user to initiate a design of an image product on a first device, allowing the design of the image product to be shared to mobile devices operated by second users, receiving personalized messages comprising a plurality of pixels from the first user or the second users by a network-based image service system, storing personalized messages from the first user or the second users in different layers at a data center in the network-based image service system, concurrently broadcasting changes in values of the pixels to the first device and the mobile devices to allow an overlay of the personalized messages on the first device or the mobile devices, and incorporating the personalized messages into the design of the image product by the network-based image service system. | 2015-01-29 |
20150032638 | WARRANTY AND RECALL NOTICE SERVICE BASED ON E-RECEIPT INFORMATION - Disclosed is an aggregation computing system and associated method for providing warranty, safety, and/or insurance notifications to a customer. The aggregation computing system typically includes an aggregation module that is configured for receiving first transaction information associated with a purchase of an item by the customer using a first customer account; extracting a unique identifier from the first transaction information, the unique identifier being associated with the item; receiving second transaction information associated with the purchase, the second transaction information including account identification information associated with the first customer account; matching the first transaction information with the second transaction information and associating the first transaction information with the first customer account; retrieving warranty, safety, and/or insurance information associated with the item based on the unique identifier associated with the item; and transmitting the warranty, safety, and/or insurance information associated with the item to the customer. | 2015-01-29 |
20150032639 | SYSTEM AND METHOD FOR PROVIDING NOTIFICATIONS ON PRODUCT RECALLS - An approach for providing notifications on product recalls. The approach includes parsing a transaction history to determine a product acquired by a user. The approach also includes determining recall information associated with the product. The approach further includes presenting a notification to the user regarding the recall information. | 2015-01-29 |
20150032640 | SYSTEM AND METHOD OF PROVIDING PERSONALIZED DEALERSHIP SERVICE - A method includes managing a customer database for an automobile dealership, identifying a customer in the database when a vehicle of the customer enters in proximity of the automobile dealership, and providing information to the customer that is personalized to the customer. | 2015-01-29 |
20150032641 | SYSTEM AND METHOD FOR OBTAINING INDICATION INFORMATION - Provided in the present invention is a system and a method for obtaining indication information. The system comprises: a product device including a control part for obtaining product status information and generating a product status identification based on the same; an information collection part for collecting the product status identification; an information transceiving part for transmitting the product status identification to a server and receiving service information returned from the server; and the server which includes a receiving part for receiving the product status identification transmitted by the information transceiving part, an information processing part for obtaining corresponding service information according to the product status identification, and a transmitting part for returning the service information to the information transceiving part. By virtue of the embodiments of the present invention, users are enabled to conveniently obtain service information in line with the use habit without the need of spending plenty of time to analyze the configuration, and with a low cost. | 2015-01-29 |
20150032642 | USE OF AN E-RECEIPT TO VERIFY OWNERSHIP AND SERVICE OF A PRODUCT - Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information. | 2015-01-29 |
20150032643 | PRODUCT CONFIGURATION METHOD AND SYSTEM USING FAILURE MODE DESIGN - A computer-implemented method and system of designing failure modes of a product is provided. The method comprises: decomposing systems of the product into subsystems based on information stored in a database; receiving through a user interface a failure mode for at least one of the subsystems; adding at least one requirement to the subsystem to address the failure mode; implementing the at least one requirement; validating the implementation at a subsystem level, a system level and a product level; and outputting results of the validating to a configuration system. | 2015-01-29 |
20150032644 | Monolithic Floor for Hot Slag Bucket - The disclosure provides a monolithic floor for use with a hot slag bucket. The monolithic floor improves the lifespan of the bucket when used with hot slag by reducing warpage caused by heating and cooling and thus significantly reduces the cost of owning and operating the hot slag bucket. | 2015-01-29 |
20150032645 | COMPUTER-IMPLEMENTED SYSTEMS AND METHODS OF PERFORMING CONTRACT REVIEW - The presently disclosed subject matter provides techniques for the automation of legal document review and creation of summary documents. The disclosed subject matter can be operated in training mode or classification mode. A preprocessor generates candidate items and associated features from input documents. Candidate items can be presented to a machine learning classifier, which classifies them as relevant or not relevant to a given legal category. A summary document can be provided including the relevant candidates. | 2015-01-29 |
20150032646 | SYSTEM AND METHOD FOR ENSURING REASONABLE HOUSING ACCOMMODATION - A system includes at least one processor and at least one storage device in communication with the at least one processor. The at least one storage device includes instructions that, when executed by the at least one processor, enable the performance of a method including the steps of generating to a display device a graphical user interface comprising elements enabling at least one user to enter alphanumeric data and responses to questions presented within the user interface; presenting within the user interface an interview comprising a set of questions that are based on a set of requirements of at least one government regulation; generating, based on responses to the set of questions received from the at least one user, a decision on whether to grant a government-provided benefit to a potential recipient of said benefit; and updating a database with the responses provided by the user. | 2015-01-29 |
20150032647 | SYSTEMS AND METHODS FOR MULTI-COMPONENT KIT INVENTORY MANAGEMENT - Systems, apparatuses, and methods for managing multi-component kit inventory are discussed herein. Some embodiments may include a system with a networked device including circuitry configured to determine a kit has been received subsequent from the kit being in a user's possession. The kit may include multiple individual units. In responsive to determining that the kit has been received, the circuitry may be configured to: determine a unit compliance threshold; determine whether the kit was received with enough of the units to exceed the unit compliance threshold; and in response to determining that the kit, as received, exceeded the unit compliance threshold, initiate a remedial action. The remedial action may include notifying the user that the kit as received exceeded the unit compliance threshold. Furthermore, the user may be charged and/or the kit may be replenished, replaced or corrected prior to being placed in recirculation. | 2015-01-29 |
20150032648 | CUSTOMIZING INFORMATIONAL MODULES THAT ARE DISTRIBUTED HIERARCHICALLY - The present invention is directed to providing an online compliance training and monitoring system that allows informational modules to be distributed hierarchically within a client's organizational structure. As the informational modules are distributed hierarchically, the client can make customizations to the informational modules that will apply at specified levels of the client's organizational hierarchy. Customizations can be made at the client level which will apply to versions of the informational module distributed to each office under the client account. Similarly, customizations can be made at the office level which will apply to versions of the informational module distributed to users of the office that made the customizations. In this way, a customized informational module can be provided to each office within the client's hierarchy so that the office receives the training and informational material that is required by the rules and regulations that govern the office. | 2015-01-29 |
20150032649 | PROVIDING A WEBSITE FOR CERTIFYING A SALES REPRESENTATIVE - A website is provided for certifying a sales representative. A website can provide an interface through which reps can register to become certified. Certification implies that the rep has agreed to abide by various rules when visiting a provider. Once registered, a rep can be listed on the website along with information that identifies the product or service that the rep markets. The website can also provide functionality for a provider to report when a rep has violated a rule during a visit. The website can track a number of violations that a rep has committed and, after the number exceeds a threshold, can revoke the certification of the rep so that rep will no longer be listed as a certified rep on the website. A provider may therefore rely on the website to identify reps that will provide value to the provider during a visit. | 2015-01-29 |
20150032650 | METHOD OF VERIFYING REVIEW - The Invention involves using GPS technology to determine where a person has been and then permitting posting of reviews of subjects only if the reviewer has visited that subject within a specified period of time. | 2015-01-29 |
20150032651 | SYSTEM AND METHOD FOR SOCIAL NETWORK ANALYSIS AND INSTRUCTION - The present invention generally relates to systems and method for developing and utilizing social networks to achieve a goal. Specifically, this invention relates to systems and methods for the advantageous use of social networks to support an employment search. | 2015-01-29 |
20150032652 | SYSTEM AND PROCESS FOR INCREASING CONVERGENCE OF POTENTIAL DONORS TO ACTUAL DONORS OF PROJECTS SEEKING CROWDFUNDING - A system and process for increasing convergence of potential donors to actual donors of projects seeking crowdfunding is disclosed. In some embodiments, the system connects streaming video conversations, individual personal profiles, and fundable project descriptions to provide a potential project donor with a set of in-depth contextually relevant information resources related to a project seeking crowdfunding. In some embodiments, the process improves the conversion of potential project donors to actual project donors by presenting potential project donors with streaming video conversations, individual personal profiles of conversation participants, related fundable project descriptions, and related donation payment gateways which allows a potential project donor to become informed of the issues being addressed by a particular project seeking crowdfunding. | 2015-01-29 |
20150032653 | METHOD AND SYSTEM TO DETERMINE A MEMBER PROFILE ASSOCIATED WITH A REFERENCE IN A PUBLICATION - Method and system are provided to determine a member profile associated with a reference to a person in a publication and may be used beneficially to identify members of a social network in news articles. The system may be configured to detect a publication that was shared by a member of an on-line social networking system, determine that the publication includes a name entity, and identify a member profile in the on-line social networking system that represents a member referenced by the name entity. The process of identifying a member profile in the on-line social networking system that represents a member referenced by the name entity may include building a list of candidate profiles from the member profiles of the on-line social networking system and selecting a matching profile from the candidate profiles, utilizing one or more disambiguation techniques. | 2015-01-29 |
20150032654 | ONLINE INTERVIEWING TECHNIQUES FOR JOB APPLICANTS - A method for evaluating an applicant for a job includes transmitting applicant presentation information from a server to a computer associated with an applicant and receiving applicant response information at the server from the computer associated with the applicant. The applicant presentation information includes at least one question and a record icon. The applicant response information includes audio information recorded in response to an interaction with the record icon. The audio information is stored in the server. The method further includes transmitting administrator presentation information from the server to a computer associated with an administrator. The administrator presentation information includes information identifying the applicant, the at least one question, a play icon associated with the at least one question, and the audio information. | 2015-01-29 |
20150032655 | Facilitating Introductions During The Onboarding Process Using A Mobile Device - The subject matter disclosed herein provides methods for facilitating introductions with new employees using a mobile application. The method may maintain profiles that include one or more new employee and existing employee profiles. The profiles have identifiers that identify the employees. A first request may be received from a mobile program running on a first mobile device of a first employee when the first mobile device is within a predetermined distance of a second mobile device of a second employee. The first request may include an identifier associated with the second employee. A profile of the second employee may be accessed based on the identifier to determine whether the second employee is a new or an existing employee. A notification may be sent to the mobile program running on the first mobile device based on the determination. Related apparatus, systems, techniques, and articles are also described. | 2015-01-29 |
20150032656 | System and Methods for Determining Supply Chain Freight Costs - A central logistics system may be provided and configured to host a website accessible to goods providers and freight providers. Through the website, the central logistics system may receive data (e.g., bids, quotes, and other messages and data) from goods and freight providers, and send data (e.g., bids, quotes, and other messages and data) to goods and freight providers. This data exchange, in part, enables the collaborative trade of bids and quotes between multiple goods providers and multiple freight providers in a centralized fashion. | 2015-01-29 |
20150032657 | COMPUTERIZED SYSTEM FOR THE DISTRIBUTION OF A MULTI-PLATFORM DIGITAL PUBLISHING PRODUCT AND RELATIVE METHOD - The present invention relates to a computerized system for the distribution of a digital publishing product ( | 2015-01-29 |
20150032658 | Systems and Methods for Capturing Event Feedback - Methods, systems and computer readable media are described herein for capturing event feedback and providing a representation of feedback results generated using the feedback indicia. The representation of feedback results involves configuring a transmission module of the computing device to synchronize to an event record representing an event; receiving feedback indicia associated with an event at the computing device; operating a data processor of the computing device to assemble a feedback indicia array using the feedback indicia; and providing the event feedback to a remote data processing module. The capturing of event feedback involves storing a plurality of different event records for a plurality of different events; for each event record, receiving a plurality of feedback indicia arrays; and for each event record determining an aggregate feedback result array from the plurality of feedback indicia arrays. | 2015-01-29 |
20150032659 | SCORING CHARGING EVENTS FOR ELECTRIC VEHICLES - A system and method for ranking or scoring charging stations and/or charging events or sessions, and/or performing actions based on the ranking or scoring is described. In some embodiments, a charging station ranking engine is configured to rank charging stations, or potential charging events, based on feedback received from users of the charging stations, such as drivers of electric vehicles, or other dynamically determined factors. | 2015-01-29 |
20150032660 | SCORING CHARGING EVENTS AT ELECTRIC VEHICLES - A system and method for ranking or scoring charging stations and/or charging events or sessions, and/or performing actions based on the ranking or scoring is described. In some embodiments, a charging station ranking engine is configured to rank charging stations, or potential charging events, based on feedback received from users of the charging stations, such as drivers of electric vehicles, or other dynamically determined factors. | 2015-01-29 |
20150032661 | SCORING CHARGING STATIONS USED BY ELECTRIC VEHICLES - A system and method for ranking or scoring charging stations and/or charging events or sessions, and/or performing actions based on the ranking or scoring is described. In some embodiments, a charging station ranking engine is configured to rank charging stations, or potential charging events, based on feedback received from users of the charging stations, such as drivers of electric vehicles, or other dynamically determined factors. | 2015-01-29 |
20150032662 | RETIREMENT INCOME OPTION - An option is provided to hedge against the risk of a reduction in retirement benefits or a change in the timing of when such benefits are received. The option may also be used to hedge against reductions in returns from Social Security and retirement savings plans. The option is standardized in that it provides protection against an identifiable set of potential modifications to Social Security retirement benefits and the timing of such benefits as well as reductions in returns from retirement savings plans. At the same time, each option is customized for each purchaser based upon the purchaser's age, income level, investment mix, desired return and other factors. | 2015-01-29 |
20150032663 | INTEGRATED TRADING INFORMATION PROCESSING AND TRANSMISSION SYSTEM FOR EXEMPT SECURITIES - The present invention provides a system for processing and transmitting trading information incorporating (a) a risk analytic module using the latest market prices and data provided by the other two modules, (b) an auction module comprising a private asset auction functionality and a two way trader workstation capability, with bid-offer and unique asset price sourcing capabilities, (c) an asset or portfolio tracking module to provide browser based, real-time consolidated reporting of multi-firm asset positions (public or private), and (d) an out-of-band communications module which alerts users/subscribers who may or may not be logged on the system via fax, e-mail, or text messages of a pending transaction being consummated or achieved. | 2015-01-29 |
20150032664 | ANALYSIS PROCESS - A method, computer program product, and computing system for determining a first dividend paid during the defined period of time for the one or more shares of the first security. A first Δ net asset value during the defined period of time is calculated for the one or more shares of the first security. A first Δ ownership during the defined period of time is calculated for the one or more shares of the first security. A first performance indicator for the defined period of time is calculated for the one or more shares of the first security based, at least in part, upon the first dividend, the first Δ net asset value, and the first Δ ownership. | 2015-01-29 |
20150032665 | COMPUTER-BASED SYSTEMS AND METHODS FOR COMPUTING MARKET-ADJUSTED ELASTICITIES FOR ACCOUNTS - Relating resources expended by a securities research entity to revenue received by a financial services firm including the securities research entity. A computer system may receive account revenue data indicative of revenue received by the financial services firm from a first customer investment account for at least securities trade execution by the financial services firm for the first customer investment account. The computer system may also receive account expense data indicative of expenses incurred by the securities research entity on behalf of the first customer investment account. The computer system may determine a market condition-adjusted elasticity for the first customer investment account. The market condition-adjusted elasticity, determined based on at least one market condition for securities, may indicate a relationship between the expenses incurred by the research entity on behalf of the first customer investment account and the revenue received by the financial services firm from the first customer investment account. | 2015-01-29 |
20150032666 | POWER MANAGEMENT SYSTEM AND NON-TRANSITORY COMPUTER READABLE MEDIUM - A power management system includes following components. A detector detects one or more devices which are located within an area. A demand estimation unit estimates an electric power demand in the area, based on the detected devices. A distribution unit distributes an area power-saving target value to the area, based on the estimated electric power demand and an overall power-saving target value. In response to a change in a state of the devices in the area to which the area power-saving target value has been distributed, the demand estimation unit estimates an updated electric power demand, based on the state of the devices that has changed. The distribution unit updates the area power-saving target value, based on the estimated updated electric power demand, and distributes the updated area power-saving target value to the area. | 2015-01-29 |
20150032667 | SELF-CONTAINED ASSAY FACILITY IN AN AIRCRAFT AND METHOD OF USING SAME TO PROCURE AND ASSAY PRECIOUS METALS - A self-contained assay facility housed in a fixed-wing or rotary wing aircraft that is completely equipped to melt and assay precious metals, particularly gold and silver. An induction furnace melts the metal that is then poured into an ingot. The ingot is weighed and analyzed using an XRF alloy analyzer and the percentage of gold and/or other metals recorded. The value of the gold at current market prices is calculated and the assay and the value of the ingot is printed and given to the seller. The seller may opt to receive the ingot and pay the assayer an assay fee. Alternately, the seller may ask to be paid in cash, in bullion, by wire transfer, or by an open hedge. A transfer or hedge is initiated and confirmed from the assay facility. The ingots are securely stored in a safe within the assay facility. | 2015-01-29 |
20150032668 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, PROGRAM, AND INFORMATION PROCESSING SYSTEM - There is provided an information processing apparatus including a processor which executes a function of acquiring activity information indicating at least an activity of a subject, the activity information being inputted by an inputter, a function of generating support information supporting the activity of the subject on the basis of the activity information, and a function of controlling an output of the support information to the inputter or an observer who is different from the subject and the inputter on the basis of the support information or the activity information. | 2015-01-29 |
20150032669 | SYSTEMS AND METHODS FOR AUTOMATED TROUBLESHOOTING - The present invention relates to systems and methods for automated troubleshooting. User identification is recorded, and the problem to be solved is determined. A series of decision trees are used to guide the user through troubleshooting. If the problem is resolved at any point, the event is logged as successful. This logging includes a listing of the steps taken by the user. The log may be employed to tune the decision tree for more optimal performance in the future. If no successful solutions are achieved, then the session may be forwarded to a human representative for resolution. Part of this forwarding includes classifying the event by at least one failure code. The failure code reflects the steps taken while guiding the user. | 2015-01-29 |
20150032670 | Avatar Having Optimizing Artificial Intelligence for Identifying and Providing Relationship and Wellbeing Recommendations - An avatar having artificial intelligence for identifying and providing relationship or wellbeing recommendations is provided. The avatar acts as an electronic representation of a user. The avatar searches available information and makes recommendations to the user based on information received from the user or other sources regarding the user's relationship with another person or the user's wellbeing. In this way, the avatar continually learns more about the user to improve future recommendations to enhance the user's wellbeing and relationship with the other person. | 2015-01-29 |
20150032671 | SYSTEMS AND METHODS FOR SELECTING AND ANALYZING PARTICLES IN A BIOLOGICAL TISSUE - Systems and methods are disclosed for jointly presenting and analyzing morphological characteristics and biomarker expression levels of a biological sample. The systems and methods may utilize a morphological selection component to isolate a population of biological particles in a biological sample for exclusion from further processing. In addition, the systems and methods may simultaneously render morphological and statistical representations of the biological sample on a user interface. | 2015-01-29 |
20150032672 | METHODS, SYSTEMS, AND APPARATUS FOR LEARNING A MODEL FOR PREDICTING CHARACTERISTICS OF A USER - Methods, systems, and apparatus for generating a model for predicting the characteristics of a user are described. A model template for predicting the one or more characteristics of the selected user is obtained. Training data comprising social relationship information and one or more user characteristics for each of one or more source users is obtained. One or more parameters of the model are determined based on the training data. | 2015-01-29 |
20150032673 | Artist Predictive Success Algorithm - Systems and methods are described for training a predictive model using social media data for artists from a period of time prior to the immediate past year and for using the trained model on social media metrics collected in the immediate prior year for the same set of artists to predict probability of success in a future period of time. The “training set” of artists includes both artists that have experienced success in the past year and artists that have yet to experience any success according to selected criteria. The predictive model predicts the next big musical success in the entertainment marketplace. | 2015-01-29 |
20150032674 | PARALLEL DECISION OR REGRESSION TREE GROWING - Embodiments relate to growing a plurality of trees in parallel. An aspect includes creating, for each of a plurality of trees, a data bag based on a training data set comprising a plurality of data records. Another aspect includes splitting the training data set into disjoint data sub-sets; and storing each of the sub-sets in a respective data slice. Another aspect includes performing a single pass through the data records stored in a data slice, thereby identifying one or more of the current nodes that are assigned data records; calculating an intermediate result for each identified current node based on all data records of said data slice; and merging intermediate results into a combined intermediate result. Another aspect includes, for each of the current nodes: calculating a split criterion from the combined intermediate result; and creating two or more child nodes of the current node based on the split criterion. | 2015-01-29 |
20150032675 | SYSTEM AND METHOD FOR MANAGING TARGETED SOCIAL COMMUNICATIONS - A system and method are provided for targeting customers through social networks. Social media data of interest associated with a plurality of social media objects are extracted from at least one social networking platform. The social media data of interest are stored. The social media data are classified according to pre-defined categories. | 2015-01-29 |
20150032676 | SYSTEM AND METHOD FOR SEGMENTING SOCIAL MEDIA PARTICIPANTS BY ATTITUDINAL SEGMENT - A system. The system includes a computing device, an instance module, a topics module, an analysis module, a matching module, a modeling module and a targeting module. The computing device includes a processor and is configured to access social media information. Each of the modules are communicably connected to the processor. The instance module is configured to identify at least one of the following: a high-frequency word included in the social media information, and a high-frequency phrase included in the accessed social media information. The topics module is configured to generate a dictionary of topics associated with the accessed social media information. The analysis module is configured to analyze data from a plurality of social media accounts to generate a social media database. The matching module is configured to match a survey respondent with an associated user name included in the social media database. | 2015-01-29 |