11th week of 2016 patent applcation highlights part 50 |
Patent application number | Title | Published |
20160078485 | DETERMINING TARGETING INFORMATION BASED ON A PREDICTIVE TARGETING MODEL - A targeting system based on a predictive targeting model based on observed behavioral data including visit data, user profile and/or survey data, and geographic features associated with a geographic region. The predictive targeting model analyzes the observed behavioral data and the geographic features data to predict conversion rates for every cell in a square grid of predefined size on the geographic region. The conversion rate of a cell indicates a likelihood that any random user in that cell will perform a targeted behavior. | 2016-03-17 |
20160078486 | SYSTEMS AND METHODS FOR SELECTIVELY PROVIDING MESSAGES IN TELECOMMUNICATIONS SYSTEMS - A telecommunications advertising means is disclosed. The telecommunication advertising means includes an advertisement database coupled to a processing means. The advertisement database stores subscriber specific or third party advertisements that are selectively associated with communications in a telecommunications network. The selective association is carried out by the processing means. In one embodiment, a router is coupled to the advertisement database. The router routes communications from source to destination within the telecommunications network. The router also routes advertisements that have been associated with the communications to the sources and destinations of the communications. A telecommunications system is also disclosed. The telecommunications system comprises a network subsystem, which includes a telecommunications advertising means. The telecommunications advertising means comprises an advertisement database and a processing means. | 2016-03-17 |
20160078487 | LOCATION-BASED ADVERTISING IN A MOBILE BROADBAND NETWORK - A method and system for distributing advertising content in an advertising network, the advertising network comprising an advertising management system configured to manage advertising content; and a mobile broadband infrastructure comprising a plurality of base stations configured to provide communicatively coupling of mobile devices to the internet, the communicatively coupling at least partly being established as a mobile broadband connection; said mobile broadband infrastructure being communicatively coupled to said advertising management system; said advertising management system being configured to select and distribute advertising content to said mobile devices in accordance with advertising rules; and wherein said advertising rules provides for distributing said advertising content to mobile devices according to at least one of a location of the mobile devices or a location of the base stations. | 2016-03-17 |
20160078488 | Determining a Prompt for Performing an Action Presented to a User in Association with Video Data - An online system provides an advertisement (“ad”) request including ad content and a prompt to perform an action presented in association with the ad content. For example, the ad content is video data and the prompt for performing an action is presented after the video data is presented or after a portion of the video data is presented. An advertiser may include a custom prompt in the ad request that includes text information and instructions associated with the text information that perform an action when executed. Multiple prompts may be included in the ad request, and the online system selects a prompt based on information maintained by the online system and associated with a user to be presented with the ad content. The selected prompt is communicated to a client device for presentation in association with the ad content. | 2016-03-17 |
20160078489 | Systems and Methods of Using Social Media Data to Personalize Media Content Recommendations - In an exemplary method, a media content recommendation system determines that a media service account of an end user of a media service is linked to a social media account of the end user, accesses social media data from the social media account of the end user of the media service, generates a media content recommendation personalized to the end user of the media service based on the social media data, and provides the media content recommendation to an access device for presentation to the end user of the media service. | 2016-03-17 |
20160078490 | Systems and Methods for Monetizing Online Advertising by Users - A user-controlled advertising system including a user data storage including a user profile associated with the user device; a controller in communication with a network interface and a user data storage; memory instructions that cause the controller to: receive a request from the user device identifying content from a content provider; retrieve the content from the content provider; identify first advertising in the content; send an advertising request to the one or more advertiser systems, the advertising request identifying demographic information from the user profile; receive, from the one or more advertiser systems, a set of prospective advertisements, wherein each prospective advertisement is associated with a rate; select an advertisement from the set of prospective advertisements associated with a highest rate; when the selected advertisement exceeds a reserve rate defined by the user profile; replace the first advertising with the selected advertising; and provide the content to the user device. | 2016-03-17 |
20160078491 | SYSTEM AND METHOD OF MARKETING OF REMINDERS - In certain implementations, advertisers may be enabled to determine in real-time whether to include their advertisements (or other content) with reminders. As an example, the advertisement opportunity may be provided to the advertisers upon creation of the reminder. The advertisement opportunity may, for instance, comprise an opportunity to purchase an ad placement associated with the reminder. Upon determining that an advertiser purchased the associated ad placement, the associated ad placement may be allocated for an advertisement associated with the advertiser so that an advertisement associated with the advertiser may be presented with the reminder upon a triggering event indicating that the reminder should be presented to the user. When the reminder is provided for presentation to the user, a particular advertisement associated with the advertiser may be presented to the user. | 2016-03-17 |
20160078492 | METHOD AND DEVICE FOR ADAPTING AN ADVERTISING MEDIUM TO AN AREA SURROUNDING AN ADVERTISING MEDIUM - The invention pertains to a method and a device for adaptation of the advertising content of an advertising medium to an advertising medium environment,
| 2016-03-17 |
20160078493 | CONFERRING HEALTH RELATED SERVICES OR ITEMS IN EXCHANGE FOR PARTICIPATION IN OPT-IN ADVERTISING - A method for managing network-based electronic commerce digital communications and associated user-health information can comprise accessing health related information for a user of an electronic payment system. The method can also comprise determining based upon the health related information, a particular health attribute of the user. The method can further comprise matching the metadata associated with an advertisement campaign indicator with the particular health attribute of the user. Additionally, the method can comprise matching information associated with an interactive object with the particular health attribute of the user. The method can comprise generating a benefit data structure that comprises a user-interaction tracking metric. Further, the method can comprise detecting a user interaction with the interactive object within the mobile wallet application. Based upon the detecting interaction, the method can comprise updating the user-interaction tracking metric. | 2016-03-17 |
20160078494 | ELECTRONIC BOOK SELECTION AND DELIVERY SYSTEM WITH TARGETED ADVERTISING - The invention, an electronic book selection and delivery system, supports the inclusion of advertisements targeted based on subscriber likes and dislikes text. The system includes a targeted advertising management system that compiles information about electronic book subscribers, electronic books, and advertisements and optimally selects advertisements to be placed in electronic books customized for an individual subscriber. The system contains an operations center, a distribution system, a home system, and a billing and collection system. The operations center, in conjunction with the targeted advertising management system performs the functions of manipulation of text data, security and coding of text, cataloging of electronic books, message center, advertising selection, insertion and delivery functions. The home system connects to a distribution system, generates menus and stores text, and transacts through communicating mechanisms. A portable electronic book-shaped viewing device is used for viewing the text and advertisements. Advertisements may be targeted to individual home systems based on common characteristics of subscribers, including area of dominant influence, age, reading habits and income. | 2016-03-17 |
20160078495 | Determining Compensation to an Online System from an Entity for Presenting Third Party Content in Content Associated with Another Online System User - An online system may prevent a content associated with a user from including content that is sponsored by a third party, other than the user, for presentation on by the online system unless the user provides an amount of compensation to the online system. To determine an amount of compensation, the online system determines an amount of reach of the content sponsored by the third party based on characteristics of the content associated with the user. For example, a number of users viewing the content associated with the user is used to determine the amount of reach of the content if it is presented by via the content associated with the user. Based on the amount of reach, the online system determines an amount of compensation to be received from the user to present the content sponsored by the third party via the content associated with the user. | 2016-03-17 |
20160078496 | Determining to Provide Content Based on Location of the Content - An example method may include the following operations: receiving a request from a content provider for a content item to incorporate into an output to a computing device, where the request includes one or more elements; identifying candidate content items based on relevance of the one or more elements to the candidate content items; identifying which of the candidate content items are at least partly stored in computer memory; and selecting a candidate content item to satisfy the request, where the selecting is based on relevance of the one or more elements to the candidate content items and on whether the candidate content items are at least partly stored in the computer memory. At least some advantage is given to candidate content items that are at least partly stored in the computer memory when selecting a candidate content item. | 2016-03-17 |
20160078497 | Setting Allocations and Prices in Auctions with Occasional Remarketing Ads - A method for setting allocations and prices for an auction including receiving a request for content for presentation in association with one or more presentation opportunities on a publisher site, determining one or more eligible content items based on the received request, determining bids associated with each eligible content item, determining a historical bid distribution for bids that have been identified when selecting content for presentation on the publisher site, determining a risk adjustment parameter that reflects a measure of confidence in the accuracy of the historical bid distribution, conducting an auction including scoring the determined eligible content items based on the historical bid distribution, their respective bids, and the risk adjustment parameter, selecting a winning content item from the eligible content items based on the auction, setting a price for the winning content item, and providing the winning content item in response to the request. | 2016-03-17 |
20160078498 | METHOD AND SYSTEM FOR PURCHASING GOODS ON INTERNET - A method and a system for purchasing goods on Internet, which allows publishers who handle blogs and websites, write articles and review products, to sell products directly on their own website, thus making it extremely simple for the user to acquire what he/she sees. Specifically, the websites of publishers offer, within the various articles, different types of “objects”, such as photo-galleries, text-links, single images, banners, buttons and widgets, and the program software allows an “action” to be integrated on such “objects”, that is a step of activating the acquisition process of a specific product, which can be chosen by the publisher of the website or selected by means of a “machine learning” algorithm capable of semantically determining the best product on the basis of different parameters, such as page URL, behaviour and preferences of the users on that page, percentage of clicks on products shown previously for sale, etc. | 2016-03-17 |
20160078499 | Fixed Position Multi-State Interactive Advertisement - Computer-based systems and methods for a multi-state advertisement displayed at a fixed position on a primary display space of a display device. The fixed position advertisement remains in its fixed position in view of the user as the user scrolls the web page in various directions. A plurality of events trigger a change in the state of the multi-state advertisement, with the change in state resulting in a change of the advertisement content, shape, size, style and appearance. An embodiment deploys an initial video in combination with a billboard. When the interstitial video ends, the fixed position advertisement is sized down to a less obtrusive size, with the billboard and the interstitial video replaced with a navigation bar. | 2016-03-17 |
20160078500 | HEALING-ADVERTISEMENT SYSTEM BASED ON NETWORK - Provided is a healing advertisement system based on a network, in which an advertising expense provided by an advertiser is donated, a consumer, who consumes time while viewing an advertisement, actively donates, and a non-profit or done organization easily registers a donation program. The healing advertisement system allows consumers to proactively select the donation program and proceed with the donation and to access the donee. The satisfaction of the donation is increased since the donation is proactively performed. According to the healing advertisement system, a donee group easily implements a donation program by easily making the donation program in public. | 2016-03-17 |
20160078501 | QUEUE MANAGEMENT - Disclosed are methods and devices for queue management that allow a person waiting in the queue to choose to receive at least one warning communication, for example on a wireless communication device such as a cellular telephone. In some embodiments, the person agrees to “buy” the warnings and concomitant free time by agreeing to pay for at least one warning communication and/or by agreeing to accept advertisements. | 2016-03-17 |
20160078502 | SYSTEM AND METHOD FOR REVIEWING AND RATING CORPORATE TRAVEL AND MEETING SITES - Systems and methods for providing reviews and ratings on a corporate travel site are provided. A user may purchase services from a supplier using the system. The system may solicit feedback from the user. The user may provide feedback tailored to the services utilized by the user. | 2016-03-17 |
20160078503 | METHOD AND APPARATUS TO EXTEND GRACE PERIOD FOR UTILITY PAYMENTS BY PREPAID DEVICE-HOLDERS - Systems and methods for determining whether to extend a grace period to a consumer instead of cancelling their services are described. The system/method accesses payroll card and/or other information pertaining to the consumer's financial and/or employment status and history. Using the information, a score may be determined and used to assess whether to grant the consumer an extension to a grace period and/or to continue access to a utility/service. | 2016-03-17 |
20160078504 | VOICE COMMERCE - In certain implementations, a system for facilitating voice commerce is provided. A user input comprising a natural language utterance related to a product or service to be purchased may be received. A first product or service that is to be purchased may be determined based on the utterance. First payment information that is to be used to purchase the first product or service may be obtained. First shipping information that is to be used to deliver the first product or service may be obtained. A purchase transaction for the first product or service may completed based on the first payment information and the first shipping information without further user input, after the receipt of utterance, that identifies a product or service type or a product or service, seller information, payment information, shipping information, or other information related to purchasing the first product or service. | 2016-03-17 |
20160078505 | METHOD AND APPARATUS FOR MANAGING MULTIMEDIA CONTENT - The invention includes a system, apparatus, and method for storing media content within a service provider network. The system includes multi-service servers associated with access points adapted to allow end-user devices to access the service provider network. Each multi-service server includes a common storage partition adapted for storing media content and a plurality of end-user storage partitions adapted for maintaining associations to media content. The system includes media servers that communicate with the multi-service servers for providing media content to the multi-service servers. In response to a request for media content received from one of a plurality of end-user devices, the requested media content stored in the common storage partition is associated with a selected one of the end-user storage partitions associated with the end-user. The request for media content is received in response to end-user directed advertisements received at any of the plurality of end-user devices. | 2016-03-17 |
20160078506 | CONFIGURABLE ONLINE 3D CATALOG - A system may include a server device configured to receive, from a catalog administrator device, a 3D product model encoded in a 3D modeling format, receive, from the catalog administrator device, a definition of a hotspot including an association of a location on the 3D product model with an element of product media related to an aspect of the 3D product model, and store the 3D product model in a data store in association with the hotspot and the element of product media. A user device may be configured to receive a 3D catalog from a server device, display, on the user device using a 3D object renderer, a 3D product model of the 3D catalog, the 3D product model being encoded in a 3D modeling format, and send, to the server device, analytics data indicative of user interaction with the 3D product model using the 3D object renderer. | 2016-03-17 |
20160078507 | MAPPING PRODUCTS BETWEEN DIFFERENT TAXONOMIES - Techniques for mapping item listings from a first taxonomy to a second taxonomy are described. In an example embodiment, item listings from a first database storing a first taxonomy and item listings from a second database storing a second taxonomy are obtained. Then, for each of the obtained item listings, a plurality of features is extracted, including at least one feature related to an image associated with the item listing and at least one feature related to text associated with the item listing. Then a mapping between item listings in the first taxonomy and item listings in the second taxonomy is created based on the plurality of features extracted by the feature extraction component, wherein the mapping identifies which item listings in the first taxonomy correlate to a same product as which item listings in the second taxonomy. | 2016-03-17 |
20160078508 | INFORMATION EXCHANGE METHOD, USER END, AND SYSTEM FOR ONLINE COLLABORATIVE SHOPPING - The present invention provides an information exchange method, a user end, and a system for online collaborative shopping. The method includes: sending a collaborative shopping request message that includes one or more user identifiers to a collaborative server; receiving a collaborative shopping startup message; submitting a shopping web page of the main control user to the collaborative server, and submitting, to the collaborative server, operation information generated when a user of the main control user end operates a shopping web page; and receiving operation information generated when a user on the collaborative user end operates a shopping web page according to a commodity feature concerned by the user on the shopping web page, and displaying, on the shopping web page, an operation result of the user on the collaborative user end for the shopping web page. | 2016-03-17 |
20160078509 | APPARATUS, SYSTEM, AND METHOD OF MANAGING TRANSACTIONS OF ELECTRONIC BOOKS - A server at an e-book sales agency generates and transmits an order of purchasing an e-book to a server at an e-book store on behalf of the user using authentication information of the user for the e-book store, and updates charge fee information to be used for calculating an amount of fee that is charged to the e-book store by the e-book sales agency. | 2016-03-17 |
20160078510 | WAREHOUSE MANAGEMENT MARKETPLACE - A temporary warehouse environment includes various platforms for locating, establishing, and operating one or more temporary houses. A temporary warehouse locator identifies potential geographic locations for one or more temporary warehouses based on prior transactions conducted by a merchant and predicted transactions or operating expenditures. The identified geographic locations may then be leveraged by a temporary warehouse marketplace, which connects the merchant with owners and/or operators of available property in the identified geographic locations. A temporary warehouse recruiter further connects the merchant with potential employees for maintain and operating the temporary warehouse and includes various mechanisms by which the merchant may identify potential employees based on their prior employment history. Finally, a temporary warehouse system provides day-to-day operations for the temporary warehouse, including fulfilling orders placed by customers and monitoring the shipments of such orders. | 2016-03-17 |
20160078511 | SYSTEMS AND METHODS FOR REQUESTING A QUOTE, PROCESSING AN ORDER, OR REQUESTING SUPPORT - A system for requesting a quote, processing an order, or requesting support for a part of an electric machine is described. The system includes a user interface device with a memory device storing a computer program with executable instructions, and a communication network interfacing with the user interface device and adapted to transmit data. The computer program includes instructions to transmit an electronic communication via the communication network. The electronic communication contains data relating to the part of the electric machine for requesting a quote, processing an order, or requesting support of the electric machine. | 2016-03-17 |
20160078512 | CHARACTER PERSONAL SHOPPER SYSTEM - Shopping assistance using an interactive character is provided on a shopping device in a retail store. Input requesting assistance from a character displayed on the shopping device is received on the shopping device. The input is processed. A response is determined based on the input and a character personality profile for the character displayed. The response is generated through the character on the shopping device, providing shopping assistance. | 2016-03-17 |
20160078513 | MANAGED PRINT SERVICES - Systems and methods for managing print services for a customer are described herein. In one example, managing print services for a customer comprises receiving contract data of a managed print services (MPS) contract and collecting device details related to customer devices of the customer. Further, for each of the customer devices, at least one service program to which the customer device is entitled is identified based on the received contract data and the collected device details. | 2016-03-17 |
20160078514 | TRADE MATCHING SYSTEM OF CONSUMER AND SUPPLIER AND METHOD THEREOF - A trade matching system of consumer and supplier includes a user terminal which transfers the product information the consumer has to the server, and executes the transaction procedure using the information retrieved from the server, a site server which displays the product information sent from the consumer on the display unit, transmits the supplier's product information if it is a match to the consumer's requests, and processes the transactions, delivering the results to both user and supplier terminal if the consumer decides to purchase the product, and a supplier terminal which provides the specifications, the price, the delivery options, and other information of the identical or similar product the consumer decides to purchase, and receives the result of the transaction. | 2016-03-17 |
20160078515 | SYSTEM AND METHOD FOR BUILDING AND PROVIDING A UNIVERSAL PRODUCT CONFIGURATION SYSTEM FOR ARBITRARY DOMAINS - A system and method for building and providing a universal product configuration system for arbitrary domains allows one or more domain experts to create and maintain domain-specific conceptual frameworks and associated knowledge sets such that users can select and configure valid products and generate meaningful output. Multiple domains can be represented simultaneously, allowing multiple conceptual framework/knowledge set pairs to be used in any combination so that products from their respective conceptual frameworks can be shared within and across domains. The present invention further allows products to be converted and imported from legacy data sources, and provides for the standardization of product configuration systems, including the critical data embodied therein, within a single domain as well as across arbitrary multiple domains. | 2016-03-17 |
20160078516 | WASUL TRANSPORT APPLICATION - A system for peer-to-peer (P2P) transport accommodation including an application server configured to communicate with at least two user mobile location based service applications, the application server configured to provide user access for administration, registration, edit and settings, view and retrieval of transactional records, a user mobile land based service application that runs on a user mobile device and configured to communicate with the application serve and enable the at least two users to communicate directly with one another, wherein the user mobile land based service application is further configured to register a user and allow a user to login in a service provider mode, service requester mode or both, service provider and service requester modes. | 2016-03-17 |
20160078517 | INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, PROGRAM AND STORAGE MEDIUM - A product introduction support device includes a display control part, a keyword extraction part, a sorting word selection part, and a group presentation part. The display control part is configured to create display control information to arrange a plurality of selected products in a browsable state on a web. The keyword extraction part is configured to extract a keyword representing an attribute for each of the plurality of selected products. The sorting word selection part is configured to select at least one keyword common to or similar to a plurality of products among the keywords extracted by the keyword extraction part as a sorting word. The group presentation part is configured to perform processing of presenting candidates for a product group that are bracketable by the sorting word among the plurality of selected products. | 2016-03-17 |
20160078518 | SHOPPING CONTEXT ENGINE - A system receives context data associated with a context and a user. The system then associates the context data to a user identifier and retrieves data associated with the context. The system then filters the data according to the context data to create result data. In another embodiment, the system also receives context data from a plurality of users, where the context data pertains to one or more attributes of a context. The system then using the context data ranks the one or more attributes of the context to create ranked data and generates a user interface based on the ranked data. In yet another embodiment, the system communicates context data associated with a context and a user to a server, and receives result data created by the server filtering data retrieved based on the context data. The system then generates a user interface based on the result data. | 2016-03-17 |
20160078519 | Method for an LED Product Filtering Engine - A user-friendly method for filtering LED products in order to identify a matching design ideal for a specific lighting application described by a user. The method includes first displaying a plurality of filter question, each associated with a plurality of answers. Next, a desired answer is received from a user account and is used to update an aggregate set of desired specifications with an at least one technical specification. The aggregate set of desired specifications is then compared against each of a plurality of LED designs in order to identify an at least one matching LED design. The aforementioned process is repeated as a plurality of iterations, with each iteration being associated with a filter question. Resultantly, the matching LED design of a last iteration is graphically displayed through a user computing device. | 2016-03-17 |
20160078520 | MODIFIED MATRIX FACTORIZATION OF CONTENT-BASED MODEL FOR RECOMMENDATION SYSTEM - A recommendation system is implemented using modified matrix factorization on top of a content-based matrix to provide both user-to-item and item-to-item content-based recommendations while exposing the full depth of transitive relationships among recommendations. Content information such as features and characteristics may be represented in a usage matrix in which features are treated as users would be in traditional matrix factorization. Matrix factorization is applied to the “features-as-users” matrix to build a content-based model in which features and items are embedded in a low dimension latent space. User history is employed for system training by locating user vectors within the latent space. Recommendations that are near to the vector can be provided to the users along with explanations (e.g., a recommendation is given because of an item's proximity to a particular feature). | 2016-03-17 |
20160078521 | SYSTEMS AND METHODS FOR RECOMMENDING A SERVICE FOR USE BY A PARTICULAR USER - A system for recommending a service for use by a particular user comprises a processor and a computer-readable storage medium, wherein the computer-readable storage medium contains instructions for execution by the processor. The instructions cause the processor to perform the steps of selecting from a plurality of users similar users that are similar to the particular user, collecting services used by similar users, determining for collected services the level of satisfaction of similar users using the respective collected service, and recommending a service for use by the particular user from the collected services based on the determined levels of satisfaction of similar users. | 2016-03-17 |
20160078522 | BROWSING DEVICE, INFORMATION PROCESSING SYSTEM, METHOD OF CONTROLLING BROWSING DEVICE, RECORDING MEDIUM , AND PROGRAM - In an information processing system ( | 2016-03-17 |
20160078523 | FULFILLMENT OF ORDERS FROM MULTIPLE SOURCES - This disclosure relates to order fulfillment by various fulfillment sources in a fulfillment network. A fulfillment source may be selected in the fulfillment network to fulfill an order before a contingency deadline. If the order is not fulfilled by the deadline, other fulfillment sources are used. Lead times for fulfillment of orders for products are adjusted for respective fulfillment sources based on their past fulfillment history. | 2016-03-17 |
20160078524 | METHOD AND SYSTEM FOR SUGGESTING AND PROCESSING REGULAR TRANSACTIONS BASED ON PRODUCT DATA - A method for identifying and initiating a regular transaction for a consumer includes: storing a merchant profile, the profile including data related to a merchant including a merchant geolocation; storing an account profile, the profile including data related to a consumer including a plurality of transaction data entries, each including data related to a transaction involving the consumer including a set of one or more product identifiers corresponding to products purchased in the transaction; identifying a regular order for the consumer, the regular order including a specific set of one or more product identifiers based on frequency of the specific set as the set included in the transaction data entries in the account profile; receiving a geolocation associated with the consumer, the geolocation being within a predetermined distance of the geolocation in the merchant profile; and transmitting at least the one or more product identifiers included in the specific set. | 2016-03-17 |
20160078525 | Method and System for Grouping Buyers and Sellers for Purchasing Goods - Disclosed herein is a method and system for generating requests for purchasing items and or services. According to this method a first purchasing request for a first item is generated. The purchasing request may include an item type. A second purchasing request for a second item may also be generated. The second purchasing request may also include an item type. In some embodiments, the item type of the second purchasing request is comparable to the item type of the first purchasing request. Once the first purchasing request and the second purchasing request have been generated, the first purchasing request is linked with the second purchasing request. | 2016-03-17 |
20160078526 | RECENTLY VIEWED ITEMS DISPLAY AREA - A most recently viewed item is displayed in a display element, which is positioned next to at least one other element on a web page. The display element is expanded so that the element covers the at least one other element on the web page and so that at least one other recently viewed item appears in the display element. The display element is contracted so that only the most recently viewed item appears in the display element and so that the at least one other element on the web page is visible. | 2016-03-17 |
20160078527 | Device and method for conducting financial services business via remote video conference - A device and method for integrating the functions of ATMs, online banking, and other financial services into a single user-friendly video conferencing station at which a customer and representative of a financial institution may converse face to face in real time and conduct any and all of the business they would otherwise be able to conduct in person in an office on the premises of the financial institution. The station consists of: a unit roughly the size and shape of a standard office desk and containing a monitor for videoconferencing, a scanner and printer for exchanging documents, a smaller scanner for verification of identification cards, and an electronic signature pad; and an ATM or similar kiosk capable of remote operation for dispensing cash and teller checks. | 2016-03-17 |
20160078528 | TRANSACTION ASSISTANCE - A transaction at a Self-Service Terminal (SST) is initiated as a first type by a customer. During the transaction, the transaction can dynamically switch to one or more second types in order to provide transaction assistance to the customer during the transaction. | 2016-03-17 |
20160078529 | SYSTEM AND METHOD FOR MAPPING AND MONITORING DEPOSIT CHANNELS - In order to prevent false positives at a duplicate transaction detection system, channel deposit data from financial institutions (representing the manner of presentment of checks at those institutions) are provided to a channel mapping/monitoring system. The channel mapping monitoring system calculates a prediction interval representing a normal expected range of deposits in any given channel. If deposits at a financial institution fall outside the normal expected range, the channel mapping/monitoring system provides an alert to the financial institution. | 2016-03-17 |
20160078530 | Validating Card Numbers - A method of validating card numbers is described. A card number input by a user using a terminal device is obtained. It is judged whether an organization identity obtained from the card number is an identity of an organization that issues cards. A determination is made that the card number is invalid if the organization identity obtained from the card number is not an identity of an organization that issues cards. | 2016-03-17 |
20160078531 | AGGREGATION ENGINE FOR REAL-TIME COUNTERPARTY CREDIT RISK SCORING - Techniques are disclosed for computing a real-time credit risk score. In one example, the method comprises at least one processor generating a computation graph comprising static computation nodes, dynamic computation nodes, and computation edges. The computation graph is a tree. Before receiving the real-time trade, the processor determines a pipeline kernel in the computation graph and computes the respective static information in the pipeline kernel. After computing the static information, the processor receives the real-time trade. The real-time trade is associated with a current exchange of assets for which a real-time credit risk score may be determined and comprises real-time information for use in computing the real-time credit risk score. The processor computes, based on the real-time trade and the computed static information, the dynamic information in the pipeline kernel and computes, based on the computed dynamic information, the real-time credit risk score. | 2016-03-17 |
20160078532 | AGGREGATION ENGINE FOR REAL-TIME COUNTERPARTY CREDIT RISK SCORING - Techniques are disclosed for computing a real-time credit risk score. In one example, the method comprises at least one processor generating a computation graph comprising static computation nodes, dynamic computation nodes, and computation edges. The computation graph is a tree. Before receiving the real-time trade, the processor determines a pipeline kernel in the computation graph and computes the respective static information in the pipeline kernel. After computing the static information, the processor receives the real-time trade. The real-time trade is associated with a current exchange of assets for which a real-time credit risk score may be determined and comprises real-time information for use in computing the real-time credit risk score. The processor computes, based on the real-time trade and the computed static information, the dynamic information in the pipeline kernel and computes, based on the computed dynamic information, the real-time credit risk score. | 2016-03-17 |
20160078533 | Mortgage assistant method - Disclosed is four new financing methods, one of which involves financing of a set portion, say 50%, of a mortgage secured by junior lien on the property for say 10 years, and offering the option to mortgagee of buying out the lender once a year, say by any year ends, for the repayment of the loan plus say 1% of the property fair value, whereas mortgagee and lender may form a joint venture, in which lender may buy life insurance on the mortgagee, to clear obligations, should mortgagee pass away, in which case the lender, as sole beneficiary receives the policy benefit. The other three, are novel modifications of the same, yielding to novel financing methods, all aiming to help distressed property owners to keep their property in hardship. | 2016-03-17 |
20160078534 | METHOD AND NETWORK FOR TRANSFERRING A LOAN - A method of transferring a loan involves a primary financial institution server receiving a credit application for a loan. The credit application includes credit application content and further includes credit application meta-data identifying particulars of the credit application. The credit application particulars includes a loan amount. The primary financial institution server is associated with a primary financial institution. The primary financial institution server determines from the credit application meta-data that the credit application is consistent with secondary credit risk requirements associated with a secondary financial institution, registers in a primary loans management database of the primary financial institution a loan in the loan amount, transmits the credit application content to a secondary financial institution server requesting assumption of the loan by the secondary financial institution, and advances funds in the loan amount. The secondary financial institution server is associated with the secondary financial institution. | 2016-03-17 |
20160078535 | SYSTEM AND METHOD FOR CROSS-MARKET TRADING OF ETF WITH A SHARE UNDERLYING - The application relates to systems and methods for managing funds. The system is programmed to receive an instruction about a first exchange-traded fund (ETF) in a first exchange system, identify a second ETF according to the instruction in a second exchange system, determine a first underlying currency for the first ETF and a second underlying currency for the second ETF and a currency exchange rate between the first underlying currency and the second underlying currency, obtain an exchange ratio between the first ETF and the second ETF based on the currency exchange rate and components of the first and second ETFs, and exchange a first number of shares of the first ETF to a second number of shares of the second ETF according to the exchange ratio. Thus, the systems and methods allow investors to exchange shares of one ETF to those of another ETF instantly. | 2016-03-17 |
20160078536 | Systems and Methods for Managing Retry Orders - Systems and methods to prevent one or more retry orders from exceeding a bandwidth limitation are disclosed. An example method includes receiving a first retry order and a second retry order, selecting one of the first retry order or the second retry order to communicate to an exchange, communicating the selected one of the first retry order or the second retry order to the exchange, receiving an acknowledgment from the exchange in response to the selected one of the first retry order or the second retry order communicated to the exchange and communicating the other of the selected one of the first retry order or the second retry order to the exchange after receiving the acknowledgment. | 2016-03-17 |
20160078537 | SYSTEM AND METHOD FOR FACILITATION CROSS ORDERS - A number of techniques for improving electronic trading are disclosed. According to some embodiments, an electronic trading system may establish a new Facilitation Cross order type which automatically performs a number of trading steps in a single uninterrupted sequence so as to help a risk trader fulfill a client investor's trading request efficiently and with lower market risk. | 2016-03-17 |
20160078538 | SYSTEM AND METHOD FOR A SEMI-LIT MARKET - A number of techniques for improving electronic trading are disclosed. According to some embodiments, an electronic trading system may selectively disclose to, or withhold from, trade participants order book data depending on whether each participant's trade order meets a predetermined threshold price and/or threshold size or other criteria. | 2016-03-17 |
20160078539 | SYSTEM AND METHOD FOR MODELING AND VERIFYING FINANCIAL TRADING PLATFORMS - A computer-implemented method assesses operation of a financial computing system (FCS). An assessment computer system generates code for a model of the FCS that comprises a model specification for the FCS and a model environment for the FCS. The code for the model uses a type-system based logical programming language that supports typed recursive functions. The assessment computer system generates mathematical axioms that describe the operation of the FCS by compiling the code for the model and assesses the operation of the financial computer system by analyzing the mathematical axioms. | 2016-03-17 |
20160078540 | Online trading method and system for distributed advertising and trading of securities transactions - A method and system to facilitate advertisements and transactions of financial securities that are not listed on public securities exchanges through a website. Examples of such securities include stocks, options, and bonds. Buyers and sellers interact directly with each other by private negotiation, thereby obviating the need for services of a securities broker or traditional securities exchanges. A computerized communications network, such as the Internet, is used as a security for implementing the transactions. A website is utilized to facilitate transactions directly between buyers and sellers. | 2016-03-17 |
20160078541 | SYSTEMS AND METHODS FOR CONSTRAINED RESOURCE SOLUTION OPTIMIZATION - There is provided a system and method for constructing, scoring and determining optimal cash flow solutions for use of funds, such as in retirement. Such systems and methods include apportioning strategies for constructing the set of possible solutions, scoring methods to reflect an optimal solution, and heuristics and metaheuristics for maximizing computational resources to arrive at an optimal cash flow solution. | 2016-03-17 |
20160078542 | Forum for Purchasing Crowd Funded Goods and Services Using Dividend Credits - In some embodiments of the invention, a method providing a private marketplace among early stage companies and investors in which dividend credits on investments are applicable to products or services offered for sale may register a plurality of companies with an equity crowd funding system. The method may also register an investor with the equity crowd funding system. The method further receives, from an investor, payment for investing in a given company in the plurality of companies. Then, the method receives, from the company, a dividend credit on the payment for the investor. The method applies the dividend credit to an account of the investor and displays to the investor offers to purchase goods or services from companies within the plurality of companies. The dividend credit is applicable to purchase prices of the goods or services. | 2016-03-17 |
20160078543 | MODELING EXPENSES BASED ON DEMOGRAPHICS AND OCCURRENCE OF EVENTS - Systems and methods of modeling expenses based on demographic information are disclosed. The method of modeling medical insurance expenses is implemented by a computer system. The method includes determining an initial estimate of a contribution cost to a consumer for a plurality of offered medical insurance plans based on demographic information associated with the consumer. The method further includes launching the consumer to an estimator tool which displays values associated with different scenarios initially based on the demographic information. The method further includes recalculating the initial estimate of the contribution cost of the plurality of offered medical insurance plans based on adjusted values of one or more of the different scenarios, as adjusted by the consumer. The method further includes displaying, as an updated estimate contribution cost, the recalculated initial estimate of the contribution cost to the consumer for each of the offered medical insurance plans. | 2016-03-17 |
20160078544 | SYSTEM FOR OPTIMIZING PREMIUM DATA - According to some embodiments, systems, methods, apparatus, computer program code and means may facilitate calculation of an insurance premium for an insurance product. Insurance risk factor data associated with the insurance product may be received along with insurance loss experience data. A server may interact with remote potential insurance customer devices to collect potential insurance customer price responsive behavior information associated with the insurance product. A pricing platform may receive information from a first remote potential insurance customer device, associated with a first potential insurance customer, and automatically calculate an insurance premium for the insurance product based on at least the insurance risk factor data, the insurance loss experience data, and the collected potential insurance customer price responsive behavior information. An indication of the calculated insurance premium may then be transmitted to the first potential insurance customer device. | 2016-03-17 |
20160078545 | METHODS AND SYSTEMS FOR CALCULATION OF INSURANCE RELATED FEES FOR AN INSURANCE PRODUCT - A method for adjustment in calculation of insurance related fees for an insurance product is disclosed, comprising (a) determining type and sequence of adjustments; (b) applying one or more adjustments to an initial value obtained by a predetermined function; and (c) serving an adjusted value so obtained as basis for subsequent calculation. A method for calculation of insurance related fees is disclosed comprising a step of rebalancing. | 2016-03-17 |
20160078546 | METHODS AND SYSTEMS FOR CALCULATION OF INSURANCE RELATED FEES FOR AN INSURANCE PRODUCT - A method for adjustment in calculation of insurance related fees for an insurance product is disclosed, comprising (a) determining type and sequence of adjustments; (b) applying one or more adjustments to an initial value obtained by a predetermined function; and (c) serving an adjusted value so obtained as basis for subsequent calculation. A method for calculation of insurance related fees is disclosed comprising a step of rebalancing. | 2016-03-17 |
20160078547 | METHODS AND SYSTEMS FOR CALCULATION OF INSURANCE RELATED FEES FOR AN INSURANCE PRODUCT - A method for adjustment in calculation of insurance related fees for an insurance product is disclosed, comprising (a) determining type and sequence of adjustments; (b) applying one or more adjustments to an initial value obtained by a predetermined function; and (c) serving an adjusted value so obtained as basis for subsequent calculation. A method for calculation of insurance related fees is disclosed comprising a step of rebalancing. | 2016-03-17 |
20160078548 | Pension Transaction Platform - A buyout management system includes a buyout processor to prepare a sponsor to conduct a buyout transaction and enable the sponsor to execute the buyout transaction upon the determination that the time is appropriate to do so. The buyout processor generates a readiness metric by applying a readiness ruleset to sponsor attributes. Using the readiness metric, an obtained quote from an insurer and attributes associated with the insurer, the buyout processor can generate a transaction readiness level that is compared to trigger thresholds. Upon the transaction readiness level meeting the trigger threshold, the buyout processor executes the buyout transaction. | 2016-03-17 |
20160078549 | Life insurance with borrowed premium - Disclosed is a method, comprising lending for life insurance policy premium payments paid by a lender to the insurer, collateralized by seigniorage beneficiary of the lender, nominated by the policy owner as grantor of the premium payments, whereas upon the policy termination by a specified terminal event, occurred accidentally in the life of the insured, a predefined substantial part of the benefits are paid by the insurer to the lender, before other beneficiaries receive any further benefits, while, instead of the owner, the lender is allowed be the grantor. Also, a method, comprising lender buyout of the policy at instant surrender value, and lender paying annuities to the owner until the policy is terminated by the triggering event. Lander thereby continuously invests in a zero coupon bond of indeterminate but deterministic expiration date. | 2016-03-17 |
20160078550 | METHOD OF GENERATING MARKET INTELLIGENCE - Disclosed is a method of generating market intelligence which includes the steps of providing an incentive to a social media service subscriber to allow access to his social media account data and geographical location data of a mobile communication device associated with the subscriber, accessing and analysing the subscriber's social media account data and geographical location data related to the subscriber to create a profile of the subscriber, and providing the profile to a third party offering products or services complimentary to the profile of the subscriber. | 2016-03-17 |
20160078551 | Method and System for Generating and Distributing Optimized Life Insurance Packages and Visual Representations Thereof - A method for generating an optimized life insurance package includes the steps of collecting consumer data comprising an age and a risk class, determining a match between at least one life insurance policy and at least one Life Insurance Option, wherein the match is determined based at least partially on a period of coverage for the at least one life insurance policy and at least a portion of the consumer data, generating an optimized life insurance package comprising the at least one Life Insurance Option, and transmitting data configured to generate at least one graphical user interface comprising a visual representation of the optimized life insurance package. Other methods, systems, and computer program products are also disclosed. | 2016-03-17 |
20160078552 | SYSTEM AND METHOD FOR FORECASTING PAYMENTS OF HEALTHCARE CLAIMS - Systems and methods are provided for forecasting remittances of a target claim filed for reimbursement of a healthcare service provided to an insured patient. A set of data associated with the target claim is extracted from a database. A claim value engine queries the database using the set of data, and based on the query, selects a plurality of claims from the database that are associated with the service provider and the claim payer of the target claim, are older than the target claim by at least a predetermined period of time, and have a previous remittance status similar to that of the target claim. The claim value engine also evaluates a mean expectation value for a predetermined date based on the reimbursement amounts for the selected plurality of claims, and determines a net reimbursement of the target claim by multiplying the evaluated mean expectation value by the claim amount. | 2016-03-17 |
20160078553 | Device Account Upgrade-At-Claim - A method of upgrading a device account is provided, the method comprising: disposing a processor in communication with a software package, wherein said software package is capable of receiving a data file containing a current device account status indicator from a device account status data provider; referencing said data file to inform a decision regarding whether a device account owner is eligible for an account upgrade at the time a device account claim is processed; and notifying said owner whether a device protection account upgrade is available. A related system appropriate for upgrading a device account is also provided, the system comprising: a processor disposed in communication with a software package, wherein said software package is programmed with means for receiving a data file containing a current device account status indicator from a device account status data provider; means for referencing said data file to inform a decision regarding whether a device account owner is eligible for an account upgrade at the time a device account claim is processed; and means for notifying said device account owner whether a device account upgrade is available. | 2016-03-17 |
20160078554 | SYSTEMS AND METHODS FOR SURFACE SEGMENT DATA - Systems, apparatus, interfaces, methods, and articles of manufacture that provide for acquisition, management, and/or utilization of surface segment data. | 2016-03-17 |
20160078555 | Reading, organizing and manipulating accounting data - An accounting reconciliation system, with a register containing transaction data of a control account, wherein a theoretical account balance is displayed to a user on a display screen of a computer with a dynamic total of a respective balance of the control account and a set of reviewed transactions of the control account, wherein the reviewed transactions are manually checked, and wherein the user compares the theoretical account balance to an external transactions report account balance. | 2016-03-17 |
20160078556 | METHOD AND SYSTEM FOR ESTIMATION OF SMALL BUSINESS RISK AND SPEND PROFILES - A method for aggregating entity transaction data across multiple transaction accounts includes: storing a plurality of entity profiles, wherein each entity profile is associated with an entity including a unique entity identifier and a plurality of transaction data entries, each transaction data entry including transaction data associated with a payment transaction involving one of a plurality of transaction accounts associated with the associated entity; receiving transaction data for a processed payment transaction, wherein the transaction data includes a specific unique entity identifier associated with an entity involved in the processed payment transaction and a separate account identifier associated with a transaction account used to fund the processed payment transaction; identifying a specific entity profile where the included unique entity identifier corresponds to the specific unique entity identifier; and storing, in the identified specific entity profile, the received transaction data. | 2016-03-17 |
20160078557 | SETUP OF A COMPUTER SYSTEM THAT EXECUTES AN ACCOUNTING PROGRAM - Setup of accounts in accounting software is automated, based on user input on (1) a name of an account of a specific type, and (2) a specific value to be used to identify the account uniquely, among other accounts of the specific type. The account's name is used by one or more computers to automatically look up N unique values that identify N entities of an organization. Then, a pattern of segments that defines an account identifier is automatically used by the one or more computers, to insert into the pattern the specific value and each of the N unique values, to obtain N account identifiers. Thereafter, N tuples are automatically formed by the one or more computers and stored in a table, each tuple comprising one of the N account identifiers, and the account's name. Subsequently, N accounts are setup in the accounting program, based on the N tuples. | 2016-03-17 |
20160078558 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND NON-TRANSITORY COMPUTER READABLE MEDIUM - An information processing apparatus includes a change unit. The change unit changes, in a case where a defect of a certain control is detected during an audit of a first organization, an audit method for a second organization that has a control equivalent to the certain control. | 2016-03-17 |
20160078559 | SYSTEMS AND METHODS FOR HOUSEHOLD CASH MANAGEMENT SYSTEM - To address the challenges of managing the cash flow of a household, the present solution provides for an efficient and automated cash flow management tool. In an industrialized market where households incur and manage dozens of bills and expenses, the systems and methods of the Cash Flow Management system (“CFM”) of the present solution enables households to seamlessly and efficiently plan their budget, pay their bills, enforce their expense budget, save for custom planned goals and realize their financial plans all from one account. The methodology of the CFM allows a household to holistically plan, execute, manage and track in real-time their cash flow across pay, spend and save sub-accounts within the same financial or bank account. | 2016-03-17 |
20160078560 | ADAPTIVE EXPENSE PROCESSING AND MANAGEMENT - Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure. | 2016-03-17 |
20160078561 | ADAPTIVE EXPENSE PROCESSING AND MANAGEMENT - Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure. | 2016-03-17 |
20160078562 | ADAPTIVE EXPENSE PROCESSING AND MANAGEMENT - Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure. | 2016-03-17 |
20160078563 | ADAPTIVE EXPENSE PROCESSING AND MANAGEMENT - Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure. | 2016-03-17 |
20160078564 | ADAPTIVE EXPENSE PROCESSING AND MANAGEMENT - Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure. | 2016-03-17 |
20160078565 | ADAPTIVE EXPENSE PROCESSING AND MANAGEMENT - Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure. | 2016-03-17 |
20160078566 | ADAPTIVE EXPENSE PROCESSING AND MANAGEMENT - Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure. | 2016-03-17 |
20160078567 | METHODS SYSTEMS AND ARTICLES OF MANUFACTURE FOR USING A PREDICTIVE MODEL TO DETERMINE TAX TOPICS WHICH ARE RELEVANT TO A TAXPAYER IN PREPARING AN ELECTRONIC TAX RETURN - Methods, systems and articles of manufacture for using one or more predictive models to predict which tax matters are relevant to a particular taxpayer during preparation of an electronic tax return. A tax return preparation system accesses taxpayer data such as personal data and/or tax data regarding the particular taxpayer. The system executes a predictive model which receives the taxpayer data as inputs to the predictive model. The predictive model generates as output(s) one or more predicted tax matters which are determined to be likely to be relevant to the taxpayer. The system may then determine tax questions to present to the user based at least in part upon the predicted tax matters determined by the predictive model. | 2016-03-17 |
20160078568 | SYSTEM AND METHOD FOR PROVIDING A SPEND MEMORY RECORD - Systems and methods include a database maintained by a financial institution that stores transaction data associated with a previous financial transaction performed via a financial account of a respective account holder, wherein the transaction data comprises a transaction location and a transaction timestamp, a spend memory processor of the financial institution that retrieves the transaction data from the database, interacts with a social linking application programming interface (API) to receive, via a network, social data from a social networking site, wherein the social data comprises a social location and a social timestamp, compares the social data to the transaction data, and creates a spend memory record based on one or more similarities between the social data and the transaction data, and a communication interface of the financial institution that provides the spend memory record to a mobile device associated with the account holder. | 2016-03-17 |
20160078569 | METHODS AND SYSTEMS FOR DETERMINING AGRICULTURAL REVENUE - A computer-implemented method for determining agricultural revenue is provided. The method uses an agricultural intelligence computer system in communication with a memory. The method includes receiving a plurality of field definition data, retrieving a plurality of input data from a plurality of data networks, determining a field region based on the field definition data, identifying a subset of the plurality of input data associated with the field region, calculating at least one yield projection for the field region based on the field definition data and the subset of the plurality of input data, and providing the at least one yield projection to a user device. | 2016-03-17 |
20160078570 | METHODS AND SYSTEMS FOR MANAGING CROP HARVESTING ACTIVITIES - A computer-implemented method for managing crop harvesting activities is implemented by a harvest advisor computing device in communication with a memory. The method includes receiving an initial date of a crop within a field, receiving an initial moisture value associated with the crop and the initial date, and receiving a target harvest moisture value associated with the crop. The method also includes receiving field condition data associated with the field. The method further includes computing, by the harvest advisor, a target harvest date for the crop based at least in part on the initial date, the initial moisture value, the field condition data, and the target harvest moisture value, and displaying the target harvest date for the crop to the grower for harvest planning. The target harvest date indicates a date at which the crop will have a present moisture value approximately equal to the target harvest moisture value. | 2016-03-17 |
20160078571 | Hotel Room Restaurant Delivery System - A computer implemented method and a hotel room restaurant delivery system (HRRDS) for ordering food from a restaurant for delivery to a hotel room via an electronic device in the hotel room are provided. The HRRDS determines and renders information, advertisements, and promotions of restaurants proximal to the hotel room from a restaurant network on the electronic device based on a food urgency level and predetermined user criteria. The HRRDS receives a restaurant selection and a food selection of food items from an associated food menu through one or more interface elements. The HRRDS generates a sale order with user information and a net payable amount for the selected food items and performs one or more actions associated with the sale order, in communication with a restaurant management and delivery system of a selected restaurant via a communication network, for delivering the selected food items to the hotel room. | 2016-03-17 |
20160078572 | Method, Apparatus and System for Choosing a Vacation - In a computing system, a computer-implemented method of creating a data result set that relates to potential vacation destinations, the method comprising the steps of:
| 2016-03-17 |
20160078573 | AUTOMATED VALUATION MODEL WITH CUSTOMIZABLE NEIGHBORHOOD DETERMINATION - Automated valuation model with customizable neighborhood determination. A map image is displayed corresponding to a geographical area, and then user input accommodates definition of a particularly defined geographic area to provide custom identification of a neighborhood to be subject to automated valuation. Once the defined geographic area is established, the automated valuation model is applied to property data corresponding to properties within the defined geographic area. A subject property and corresponding properties within the defined geographic area are then displayed on a map image, preferably with articulation of the defined geographic area as the neighborhood of interest. The neighborhood may be defined by, among other criteria, inclusion within a user-defined shape, as well as exclusion of a user-defined shape from a displayed geographic area. | 2016-03-17 |
20160078574 | VIRTUAL PROPERTY MANAGEMENT IN AN INTERACTIVE GEOGRAPHIC INFORMATION SYSTEM - The subject disclosure provides methods and systems for managing information provided in conjunction with a virtual property (“VP”), and in some aspects, for managing a title associated with the same. In some implementations, a method of the subject disclosure can include steps for receiving a virtual property claim, authenticating the virtual property claim to determine if the user is in possession of a rightful title of the parcel of real property, and granting access to a title policy for the virtual property asset if the virtual property claim is properly authenticated. In some aspects, systems and computer-readable media are also provided. | 2016-03-17 |
20160078575 | SOFTWARE RESALE METHOD, APPARATUS, AND SYSTEM - Embodiments of the present invention disclose a software resale method. A first device that already obtains permission to use target software sends a resale request to a server, to obtain a distributed resale credential; the first device sends the resale credential to a second device; and the second device purchases a target application program by using the resale credential. A problem that software cannot be resold or transferred currently is resolved, and a software developer and a distribution platform can improve a software purchase rate and activeness of the platform by using a proper business model, thereby increasing an operating income. | 2016-03-17 |
20160078576 | CLOUD-BASED VEHICLE MONITORING SYSTEMS AND METHODS - A fleet management system and method includes a monitoring system equipped in each of a plurality of vehicles, wherein the monitoring system includes a network interface to a wireless network and a location determining device; and a back-end system communicatively coupled to the monitoring system in each of the plurality of vehicles; wherein the back-end system is configured to: communicate with a plurality of passengers to provide real-time updates based on the monitoring system; and monitor and manage a fleet including the plurality of vehicles by an administrator based on data from the monitoring system. | 2016-03-17 |
20160078577 | METHOD AND SYSTEM FOR AUTOMATING THE ACCOUNTABILITY OF SERVICE PROFESSIONALS VIA CONSUMER EDUCATION AND RATING | 2016-03-17 |
20160078578 | SYSTEM AND METHOD FOR HEALTH CARE MANAGEMENT - A system for health care management includes a user interface capable of being used by different stake holders in the system. A plurality of first platforms communicate with the user interface and enable the different stake holders to access the user interface and its portal. The user interface enables the different stake holders to view, add, retrieve, and edit a plurality of information in the portal. A central server communicates with the user interface and is populated with the plurality of information of interest to the different stake holders. The different stake holders include a user requiring medical attention, an authorized representative of the user requiring the medical attention, health care providers, emergency health care service providers, transport providers, and accommodation providers. The user interface enables different stake holders excluding the user requiring medical attention to integrate their services and provide service to the user requiring medical attention. | 2016-03-17 |
20160078579 | Method Implemented on Portable Electronic Device to Invoke Legal Rights - A method implemented on portable electronic device for assisting users to properly invoke legal right(s) is provided, whereby a user uses an electronic device to either display a text message or play an audio message, or both, stating that the user chooses to invoke his or her legal right(s), initiate a phone call or email, or both, to seek legal assistance, display a text message reminding the user that he or she has invoked his or her legal right(s). | 2016-03-17 |
20160078580 | Method Implemented on Portable Electronic Device to Check USCIS Application Status - A method implemented on portable electronic device for assisting users to check United States Citizenship and Immigration Services (USCIS) immigration related application status, whereby a user uses an portable electronic device to enter the receipt number of an immigration related application, retrieve the application status and detailed application status description, and display the application status and detailed status description on the portable electronic device. | 2016-03-17 |
20160078581 | MOBILE CUSTOMS DECLARATION SYSTEM AND METHOD - Mobile collection and vetting of user supplied information is described. The systems, techniques, devices, methods, and approaches described herein can be used to obtain, validate, and vet information, such as customs information, in a mobile environment. In embodiments, methods comprise receiving information input via a mobile device. The information is encapsulated by an intermediate to escort the information through a firewall to the database. In response to vetting the information to determine if it meets one or more criteria, the method involves creating a record associated with a unique identifier, information that bio-identifies a user, or an indication of a determination that results from the vetting. In this embodiment, the method includes generating an electronic receipt for communication to the mobile device, the electronic receipt including the unique identifier. | 2016-03-17 |
20160078582 | Sharing Media - A method of operating a user device that has a user computing device, non-transitory memory, and a display screen. The method includes sending a data status to a remote computing device that identifies image data not previously stored on remote non-transitory memory in communication with the remote computing device. The method includes, displaying on the user display screen, one or more photos or videos representative of the identified image data, and receiving a storage command regarding storage of any of the displayed one or more photos or videos on the remote non-transitory memory. The method includes communicating the storage command from the user computing device to the remote computing device. The storage command instructs storage or non-storage of one or more photos or videos representative of the image data by the remote computing device on the remote non-transitory memory. | 2016-03-17 |
20160078583 | IMAGE PROCESSING APPARATUS AND ROBOT SYSTEM - An image processing apparatus includes a first connecting unit connected to an image pickup apparatus, a plurality of second connecting units connected to one control apparatus or one other image processing apparatus, the control apparatus being configured to control a robot; and a processing unit configured to process picked-up images picked up by the image pickup apparatus. | 2016-03-17 |
20160078584 | IMAGE PROCESSING APPARATUS, IMAGE PROCESSING METHOD, AND NON-TRANSITORY COMPUTER-READABLE STORAGE MEDIUM - A plurality of images obtained by capturing, dividing over a plurality of times, a printed material in which additional information is embedded are input. Feature information concerning each of the inputted plurality of images is extracted. A poor quality area in the images is evaluated. An overlapping area of the plurality of images is specified based on the feature information. Additional information embedded in the printed material is extracted based on a result of the evaluating and a result of the specifying. | 2016-03-17 |