28th week of 2014 patent applcation highlights part 55 |
Patent application number | Title | Published |
20140195337 | BROWSER INTERFACE FOR ACCESSING SUPPLEMENTAL CONTENT ASSOCIATED WITH CONTENT PAGES - A user of a computing device may view a content page on a display of a computing device. One aspect of the disclosure is a browser user interface than enables the user to flip the content page (or portion thereof) over (e.g., via a touchscreen gesture) to view supplemental content, such as metadata, associated with the content page (or portion thereof). While viewing the metadata on the back side of the content page in some embodiments, the user can perform a second or reverse flip operation to return to the original page. The user may be presented with options to flip the page backward and forward multiple times to view multiple flipped pages presenting additional supplemental content. The supplemental content may include virtually any information in which the user may be interested and/or that is related or similar to the content page. | 2014-07-10 |
20140195338 | METHOD, SYSTEM AND COMPONENTS FOR OBTAINING, EVALUATING AND/OR UTILIZING SELLER, BUYER AND TRANSACTION DATA - Methodologies, systems, components and software are provided that perform web analytics to measure visitor to consumer conversion continuously throughout surfing, through conversion and past completion of a purchase on-line. In accordance with at least one embodiment, such methodologies, systems, components and software may be utilized to determine efficacy of a plurality of parameters relating to one or more Transaction Related Offerings (TROs). In accordance with at least one embodiment of the invention, such methodologies, systems, components and software may be utilized to configure one or more Consumer Behavior Decision Models (CBDMs) and/or generate consumer behavior data. | 2014-07-10 |
20140195339 | Media Mix Modeling Tool - A media mix modeling tool is configured to enable a marketing budget to be analyzed for purposes of allocation across different marketing channels and campaigns. The media mix modeling tool utilizes and builds upon web analytics data. For example, for particular channels that are to be the subject of a marketing investment, web analytics data is gathered for each channel. A statistical attribution method is then utilized to analyze the web analytics data to determine how much revenue should be attributed to each channel based on various touch points for each campaign. Cost data is then utilized to create a plot of campaigns within a particular channel. From this plot, a model is fitted that describes the performance of the particular channel. Once a model has been fit to each individual channel, a solver is applied to find a desirable or optimal way to distribute the marketing budget. | 2014-07-10 |
20140195340 | ADVERTISEMENT INFORMATION PROVIDING DEVICE AND ADVERTISEMENT INFORMATION PROVIDING METHOD - An advertisement information providing device includes an advertisement content storage unit that stores advertisement content of a plurality of types. The advertisement information providing device includes an expected earning calculation unit that calculates expected earnings per unit impression number for each type of the advertisement content or for a combination of a plurality of types of the advertisement content. The advertisement information providing device includes an advertisement content type determination unit that determines which type of the advertisement content or combination of types of the advertisement content is to be delivered based on the expected earnings. The advertisement information providing device includes an advertisement content delivery unit that acquires the type of the advertisement content or combination of types of the advertisement content and delivers the advertisement content to an advertisement space. | 2014-07-10 |
20140195341 | Advertising Subsidized Computer Network Printing Systems, Methods and Products - Methods, systems and non-transitory computer-readable media comprising executable instructions are provided to present one or more digital advertisements before a document is physically printed. A print request is captured and a digital advertising client selects and presents one or more digital advertisements before the print request is directed to a printer for printing. A digital advertisement may be presented using a monitor operatively connected to the client computer or a display device proximate to the printer to which the print request is directed. One or more advertisements may be incorporated within the physically printed document. The digital advertising client may be implemented on a combination of any or all of the client computer, networked servers and cloud computing servers. | 2014-07-10 |
20140195342 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND RECORDING MEDIUM - An information processing apparatus includes a sharing unit that shares control information including at least a first URI and a second URI, a first obtaining unit that obtains first data referring to the first URI, based on the control information that is shared by the sharing unit, a second obtaining unit that obtains second data referring to the second URI, based on the control information that is shared by the sharing unit, and an offering unit that offers the first data and the second data to a user, based on the control information that is shared by the sharing unit. | 2014-07-10 |
20140195343 | METHOD AND SYSTEM OF DISPLAYING INFORMATION RELATED TO ITEMS OFFERED FOR SALE IN A NETWORK-BASED MARKETPLACE - A system and method for transmitting information related to items offered for sale at a market lace location includes reviewing a first video stream to identify items displayed in the first video stream which correspond to the items offered for sale at the marketplace location, and generating a second video stream related to and including images of the items for sale at the, marketplace location. The method further includes causing the transmission of the second video stream to a user through a media outlet and receiving a purchase request from the user for at least one item offered for sale at the marketplace location and included in the first or second video stream. | 2014-07-10 |
20140195344 | Performing Actions Using Visual Search - The disclosure includes a system and method for performing actions using visual search. The system includes a controller, an image recognition module and a polling engine. The controller receives data describing an image that is associated with a poll from a first user. The image recognition module identifies the image as being an option that is selected by the first user for the poll. The polling engine associates the option selected by the first user and a first set of demographic information describing the first user with the poll. The polling engine provides the first user with polling data that describes one or more voting results for the poll. The polling data includes a second set of demographic information associated with one or more second users that provided an answer to the poll. | 2014-07-10 |
20140195345 | CUSTOMIZING ADVERTISEMENTS TO USERS - A computer system analyzes a user profile of a user and determines a product that the user expressed an interest in purchasing. A template video for the product is obtained. This template video is modified to include personal information about the user in order to generate a customized advertisement that is unique to the user. The customized advertisement is presented to the user. | 2014-07-10 |
20140195346 | TRANSACTION EXCEPTION-BASED FINANCIAL PRODUCT OFFERS - Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved. | 2014-07-10 |
20140195347 | METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR BUSINESS DESIGNATION - The present disclosure relates to a tool for identifying and designating a status indicator to a transaction account and/or transaction account holder. The system may be configured to collect data associated with a plurality of transaction accounts and perform a deterministic data analysis on the data to identify transaction accounts to associate with one of two groups. Also, the system may be configured to perform a probabilistic data analysis to create a probabilistic data analysis percentile score on at least one of the identified two groups to re-allocate the transaction accounts into one of the two groups. This re-allocation may be based on the probabilistic data analysis percentile score being above a predetermined threshold. The system may be configured to contact holders of the transaction accounts associated with at least one of the two groups. | 2014-07-10 |
20140195348 | METHOD AND APPARATUS FOR COMPOSING SEARCH PHRASES, DISTRIBUTING ADS AND SEARCHING PRODUCT INFORMATION - The present disclosure provides a method and an apparatus for composing search phrases, distributing searchable advertisements and searching for product information using a computer. The computer acquires a search behavioral data, and composes a search phrase based on an original search phrase, a product category selection and a product attribute found in the search behavioral data. The composed search phrase is comprehensive and includes not only the original search phrase, but also information related to the product category selection and the product attribute. The computer distributes advertisements associated with a bid phrase composed in the same manner, and allows searching for distributed advertisements by matching a composed search phrase and a composed bid phrase. The technique enables a product information search, especially a structured search, to be better performed, and its results better indexed and tracked with more precise and relevant statistics. | 2014-07-10 |
20140195349 | METHOD AND SYSTEM FOR DISTRIBUTING TARGETED ADVERTISING AND INTUITIVE WAYFINDING - The present invention is a method for displaying messaging, wayfinding and advertising on interactive kiosks and digital wireless communication devices including handheld portable devices within a Wireless Local Area Network (WLAN) or through the Internet. The information is stored in databases connected to the Internet that include maps of shopping centers or malls, data regarding user profiles, product categories and product brands which provide users the ability to search the database and interact with the maps and point-of-purchase advertising. When proximity-based WLAN access is available, the data is merged with more data concerning the user's relative position within the network. | 2014-07-10 |
20140195350 | WHITE PAGE AND YELLOW PAGE DIRECTORIES IN A GEO-SPATIAL ENVIRONMENT - A method, apparatus and system of white page and yellow page directories in a geo-spatial environment are disclosed. In one embodiment, a method includes geocoding an address data associated with a listing of a directory on a map and publishing an inventory of a user associated with the listing to market to other users and residents a threshold distance away from the address data associated with the listing. The method may include generating a set of coupons of a business associated with the listing as the inventory, and providing the set of coupons to the other users and residents the threshold distance away from the address data associated with the listing. The method may also include adjusting the threshold distance away based on a request of the user associated with the listing. | 2014-07-10 |
20140195351 | KIOSK NETWORK SYSTEM - A platform is provided having a network of interactive kiosks with multiple local services running on each individual kiosk. The kiosk network provides users or interested viewers with relevant information, as well as the ability to react to such information in a relevant manner. | 2014-07-10 |
20140195352 | Advertising On Computing Devices - The present invention relates generally to a method executable at a networked computing device having a display. The method generally includes (i) displaying advertising content on the display when the computing device is in a locked state in which interactions with the computing device are limited, (ii) receiving an unlocking user input to cause the computing device to enter an unlocked state in which interactions with the computing device are less limited than when in the locked state, and (iii) displaying, in the unlocked state, a home screen including an activatable image associated with the advertising content. | 2014-07-10 |
20140195353 | Advertising On Computing Devices - The present invention relates generally to a method executable at a networked computing device having a display. The method generally includes (i) displaying advertising content on the display when the computing device is in a locked state in which interactions with the computing device are limited, (ii) receiving an unlocking user input to cause the computing device to enter an unlocked state in which interactions with the computing device are less limited than when in the locked state, and (iii) displaying, in the unlocked state, a home screen including an activatable image associated with the advertising content. | 2014-07-10 |
20140195354 | MEDIA MARKETING SYSTEM AND METHOD - A system and process is provided for distributing branding and content messages to wireless mobile devices such as mobile handsets. The system has a mobile media portal process that enables a content owner and one or more sponsors to cooperate in negotiating, planning, and executing a branding or content campaign. For a campaign, a set of consumers has indicated a desire to receive particular content information on their mobile handset, and may have used a web interface or their phone to provide demographic information and content choices. A media center interface, either automatically or under human control, associates a particular marketing message from a sponsor with the content information, and distributes the marketing message and information to the user's handset. Since the marketing message has been selected and adapted to the demographics and preferences of the user, it is likely that the user will positively respond to receiving the marketing message. | 2014-07-10 |
20140195355 | THEME BASED ADVERTISING - Various embodiments of the present disclosure are related to leveraging mobility management techniques implemented in mobile networks to distribute advertisements to mobile devices. In certain embodiments of the present disclosure, advertisements can be transmitted on a broadcast control channel of a base station and in at least one embodiment the advertisements can be relevant to the area the base station services. Mobile devices that detect the broadcast control channel can store the advertisements. If for example, a user is interested in the service, e.g., a product or service, that is offered in the advertisement they can initiate a purchase procedure. | 2014-07-10 |
20140195356 | Advertisement display method of mobile communication terminal using button bar or notification bar, and apparatus thereof - The present invention relates to a method for displaying an advertisement in a mobile communication terminal using a button bar (icon) or an indication bar (icon), and an apparatus thereof, the method comprising the steps of: sensing whether a user operates a call allowance button bar; and inserting and displaying advertisement contents on a predetermined first set screen (or area) within the call allowance button bar when sensing the user operation for the call allowance button bar according to the sensed result. In addition, the present invention can effectively provide the advertisement for the user by using the call allowance/rejection button bar (icon) or the indication bar (icon) such as a character and the like. | 2014-07-10 |
20140195357 | POINT OF SALE SYSTEM FOR MANAGING THE TIMED SALE OF PRODUCTS - The present invention provides a point of sale system for offering local flash sales to customers through, for example, a plurality of POS apparatuses operatively coupled to a network. The flash sales may be tied to an online flash sale site offering similar or concurrent flash sales. | 2014-07-10 |
20140195358 | Managing Media Playback - Technology for managing playback of streaming media and ads associated therewith, is disclosed. Receiving a list indicating the location of ad pods in the stream and, optionally, indicating a list update time. Receiving instruction to play the stream forward from a seek point. Determining unplayed stream ads associated with locations from the list between the start and the seek point. Playing at least one determined ad. Optionally, playing at least one determined ad only upon determining that the list update time is greater than or equal to the seek point, otherwise, denying the seek point. Optionally after playing at least one determined ad, playing the stream from the seek point after playing the at least one determined ads. The list can be a list of cue points. Playing at least one determined ad can include playing the ad pod at the start of the stream section containing the seek point. | 2014-07-10 |
20140195359 | System and Method for Computer Automated Payment of Hard Copy Bills - A system and method for paying hard copy bills using a computer is disclosed. Merchants and payors create electronic accounts with this system and method. Merchants generate bills and register them with the merchant account. Payors scan the bill with a computer, cell phone, or other electronic device, and pay the bill with a networked application. Payment method is selected by payor. Third parties can also create accounts and gather data for statistical purposes such as marketing. | 2014-07-10 |
20140195360 | SALES SYSTEM AND METHOD, AND COMPUTER PROGRAM THEREOF - A sales system includes a display unit and a selection unit configured to provide for display on the display unit a selection screen including at least one product image, and accept a user selection of one or more product images in the selection screen. The sales system further includes a control unit configured to calculate and provide for display on the display unit a total purchase price of products corresponding to the product images which are selected in the selection unit, and an accounting unit configured to settle payment for the total purchase price of the products. | 2014-07-10 |
20140195361 | METHOD AND SYSTEM FOR ACTIVE RECEIPT MANAGEMENT - A method and device for managing and storing a plurality of electronic receipts includes receiving transaction data corresponding to a product purchased during a purchase transaction with an electronic receipt server. The electronic receipt server may parse the transaction data to retrieve information describing an aspect or a detail of the purchased product or the purchase transaction. The retrieved information may be stored in storage of the electronic receipt server as an electronic receipt. One or more electronic receipts of a plurality of electronic receipts stored in the electronic receipt server may be accessed and managed from an application executing on a computing device or a mobile computing device. | 2014-07-10 |
20140195362 | REMOTE TRANSACTION PROCESSING WITH A POINT-OF-ENTRY TERMINAL USING BLUETOOTH - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 2014-07-10 |
20140195363 | ELECTRONIC PAYMENT PROCESSING SYSTEM - An electronic method of making a merchant payment comprising: | 2014-07-10 |
20140195364 | SYSTEMS AND METHODS FOR FLEXIBLE MERCHANT PRICING - One example embodiment relates to a computer-implemented method including receiving from a user, via a network, data relating to an item to be listed for sale at an item price in an electronic marketplace. An interactive pricing page is presented to the user, the pricing page including one or more interface elements to receive a pricing structure relating to the item to be listed for sale, the one or more interface elements allowing the user to define, as part of the pricing structure, at least a first item price and one or more future price changes in the item price during an item listing period. The method includes displaying the item listing with at least the first item price in the electronic marketplace, and automatically changing, during the item listing period, the displayed item price based on the received pricing structure. | 2014-07-10 |
20140195365 | Bidding on Product and Service Rentals - In some implementations, a method for auctioning includes presenting selection between a deal for a rental period for a product that enables a user to purchase a rental period for a specified amount and an auction a rental period for a product over an auction period. The product is possessed by a partner and a bid server manages the deal and the auction. If the deal is selected, a request is transmitted to the partner to send the user the product. If the auction is selected, whether the user submitted a winning bidder is determined based on bids received during the auction period. A request is transmitted to the partner to ship the product to the user if the user selected the deal or is the winning bidder. | 2014-07-10 |
20140195366 | INCREMENTAL VALUATION BASED NETWORK CAPACITY ALLOCATION - A bid-based network sells network capacity on a transaction-by-transaction basis in accordance with bids placed on transactions. A transaction is the transmission of a quantum of data across at least some portion of the network, where the quantum of data can be as small as a single packet. Bids for network capacity are ranked in order of monetary value, or other criteria relevant to the network service provider. The amount charged to the highest bidder is based on the maximum bid of the next highest bidder. Bids are evaluated on a real-time basis at the time when the link is ready to transmit data. An automated system makes individual bids at each link through which data is transmitted and can take into account additional criteria that can be specified as part of the bid information, including latency and routing requirements. Bid information is passed with data through the network. | 2014-07-10 |
20140195367 | SYSTEM AND PROCESS FOR HIERARCHICAL MULTI-LEVEL SEGMENTATION AND ESTIMATE REUSE REQUEST - The present disclosure concerns the hierarchical splitting of large datasets by multi-level segmentation and providing a system and method for enabling requests of reuse of the values of previously estimated nodes of said hierarchy. This is applied in making connections between different suppliers in a complex hierarchical multi-level chain of purchase items, facilitating the communication of request for quotes and respective responses. The disclosure allows higher level bidders to traverse dense hierarchical multi-level chains of purchasing data, re-using existing estimates and quotes, allowing quicker processes and more efficient use of resources. | 2014-07-10 |
20140195368 | Detecting a suspicious transaction within a network-based facility - Methods and associated computer-readable media to detect fraudulent activities made over a network-based facility using a machine are disclosed. Responsive to a first event with respect to the network-based facility and initiated either under a first user identity or a first set of user transaction preferences from the machine which is coupled to the network-based facility via a network, the method causes a first identifier associated with either the first user identity or the first set of user transaction preferences to be stored on the machine. Responsive to a second event initiated under either a second user identity or a second set of user transaction preferences, detecting a potentially fraudulent activity occurs by detecting a lack of correspondence between the first identifier stored on the machine and a second identifier associated with either the second user identity or the second set of user transaction preferences. | 2014-07-10 |
20140195369 | SYSTEM AND METHOD FOR A HYBRID CLOCK AND PROXY AUCTION - This invention defines a computer system for conducting an auction of a plurality of items including outputting prices for items, receiving bids, outputting updated prices and receiving further bids and then determining an allocation of at least one of the items. | 2014-07-10 |
20140195370 | SYSTEMS AND METHODS FOR FEEDBACK ASSOCIATED WITH AN ELECTRONIC SHOPPING-CART - Methods and systems relating to feedback associated with an electronic shopping-cart are described. In some embodiments, item information associated with an item is received from a first user. The item is added to an electronic shopping-cart. A request to share the electronic shopping-cart with a second user is received. Shopping-cart information associated with the electronic shopping-cart is sent to the second user. Feedback from the second user is received. The feedback corresponds to the item in the electronic shopping-cart. The feedback is sent to the first user. | 2014-07-10 |
20140195371 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, PROGRAM AND TERMINAL APPARATUS - There is provided an information processing apparatus including a recommendation unit configured to generate a recommendation information for a target user based on a preference information of at least one associated person having a social relationship through a communication service or a locational relationship with the target user, and a communication interface configured to provide the generated recommendation information to be sent to the target user. | 2014-07-10 |
20140195372 | SYSTEMS AND METHODS FOR LOCATING ONE OR MORE ITEMS IN A SHOPPING STORE - A system for intelligently locating one or more items in a shopping store with multiple items arranged in multiple aisles includes a first communication device having a shopping assistance application configured to allow a shopper to input a shopping list comprising one or more items. Also included are multiple second communication devices located in and associated with the plurality of aisles, with each second device being configured to detect the shopping list on the first device when the shopper is within a range of distance of the second device and transmit the detected list. The system may also include a backend server configured to receive detected list and sort the detected list dynamically based on an identified at least one item and the shopper. The backend server can also display the sorted list on the first device. The at least one item may be highlighted in the sorted list. | 2014-07-10 |
20140195373 | SYSTEMS AND METHODS FOR MANAGING INVENTORY IN A SHOPPING STORE - A system includes a first device for allowing a consumer to input a shopping list, and multiple second devices associated with a plurality of aisles in a shopping store. Each second device is configured to detect the shopping list on the first device when the consumer is within a predefined range of distance from the second device, and to transmit the detected list. The system also includes one or more image-capturing device for transmitting captured images; and a server configured to do the following: (i) receive the list from the second device, (ii) receive the images from the image-capturing device, (iii) check whether an item on the list is present in an aisle based upon an identified location of the consumer, (iv) scan the images to identify one or more images including the at least one item, (v) dynamically sort the list, (vi) display the sorted list and links on the first device, and (vi) determine whether one or more items must be restocked on shelves. | 2014-07-10 |
20140195374 | MANAGING INVENTORY IN A SHOPPING STORE - A method for managing inventory includes detecting a shopping list on a communication device, transmitting the detected list to a server associated with the shopping store, transmitting images to the server, checking whether at least one item of the shopping list is present in an aisle based on a location of a consumer, scanning the images to identify images including the at least one item, and dynamically sorting the items in the shopping list based on the checking performed. The method also includes displaying the sorted list along with image links on the communication device, where at least one item in the sorted list is highlighted or placed on top based on the check performed, and where each of the image links includes an image with at least one augmented item. The method further includes determining items that need to be restocked in the shopping store. | 2014-07-10 |
20140195375 | INFORMATION PROVIDING APPARATUS, INFORMATION PROVIDING METHOD, AND USER DEVICE - An information providing apparatus receives wish information relevant to a wish item that a user wishes to have and position information of the user. The information providing apparatus transmits the wish information to a provider device used by a provider who provides items. The information providing apparatus receives provision information relevant to provision of the wish item from the provider device. The information providing apparatus determines whether a moving cost, which is required for moving from a position indicated by the position information to a providing place at which the provider provides the wish item, satisfies a predetermined condition. The information providing apparatus notifies a user device of the provision information corresponding to a provider in which the moving cost satisfies the predetermined condition. | 2014-07-10 |
20140195376 | SYSTEMS AND METHODS FOR SELLING CONTENT OVER A NETWORK - A method to generate revenue from supplied content is provided. Content is provided to a consumer via a network by providing a content service that allows the consumer to select and retrieve content as a package together with a clearing of the selectable content to an operator used by the consumer to select and retrieve the content via the network. Any content selected by the consumer is supplied directly to the consumer via the operator. The operator is charged for the supplied content. | 2014-07-10 |
20140195377 | Combination Retailing System For Appraising Precious Stones And Metals And Dispensing Gift Cards, Coupons And The Like - A computer implemented method for appraising and selling an item includes the step of using a kiosk to physically receive the item from a seller. The method comprises the step of appraising the item by determining a composition of the item using an evaluating device and associating an exchange value with the item using market data obtained over a network. A global positioning device determines a location of the kiosk. The method includes the step of using a legal database to ascertain a set of rules governing the sale of the item in the location. The set of rules comprise a holding requirement dictating that the item be retained for a fixed number of days before it is sold to a buyer. The method also includes the step of selling the item to the buyer at the kiosk in compliance with the set of rules. | 2014-07-10 |
20140195378 | STAGE-WISE ANALYSIS OF TEXT-BASED INTERACTIONS - The stages of an interaction between a potential customer (the user) and a sales representative (the agent) during a sales interaction are identified to understand the interaction factors that drive sales and, by doing so, to serve the customer better and thus increase sales. Initially, a user makes contact with an agent via a communications network. During the interaction, a dropping point is reached, i.e. the point in the interaction at which either the user or the agent ends the interaction. The dropping point and other interaction factors is analyzed. Based upon such analysis, various recommendations are made to the agents to improve the user's sales experience. | 2014-07-10 |
20140195379 | Technology Alternative to Money for Enabling Equitable Trade - Technology, alternative to money, for enabling equitable trade between users. The technology embodies chiralkine money and chiralkine property rights created as vectors through chiralkine contracts made by a recorder that maintains an open register and a trading pair of two users. | 2014-07-10 |
20140195380 | Wireless Analytics in Physical Spaces - A wireless analytics system and method are disclosed that take shoppers through an initial registration process, after which they can access the Internet quickly and easily every time they visit any of the retailer's stores. During future visits to any of the retailer's store locations the shopper's device is automatically granted network access as soon as it is within wireless range. Once on the network, a shopper can access websites, social networks, and shopping resources from across the mobile web. The system collects information about these access events, including the location and timestamp of each access event. The retailer may be notified when a shopper enters their store. This information may automate the check-in process for processes within the retail store or within a mobile application. | 2014-07-10 |
20140195381 | SYSTEM AND METHOD FOR SELLER AND ITEM FILTERS - A system and method uses seller and item filters to identify items listed on a network based transaction facility that are qualified for a network based elite transaction facility. | 2014-07-10 |
20140195382 | COLLATION/RETRIEVAL SYSTEM, COLLATION/RETRIEVAL SERVER, IMAGE FEATURE EXTRACTION APPARATUS, COLLATION/RETRIEVAL METHOD, AND PROGRAM - The present invention is a collation/retrieval system collating a product produced by or delivered from a producer or a distributor with a product to be collated for retrieval, comprising: a storage that stores, while a predetermined section formed into the same pattern for every product is set to a reference section and a recessed portion existing at a standard position relative to the reference section of the product is set to a collation area, an image feature in the collation area of the product; a to-be-collated product feature extraction unit that receives an image of a product to be collated, detects from the received image the reference section of the product to be collated, and thereby extracts an image feature of the collation area of the reference section; and a collation/retrieval unit that collates the stored image feature with the image feature of the collation area of the product to be collated. | 2014-07-10 |
20140195383 | HOME APPLIANCE AND METHOD FOR SHOPPING FOR GOODS USING THE SAME - A home appliance includes an input unit arranged on one side of a main body of the home appliance and to receive a designation command for at least one product, a communication unit to transmit information to a server related to a purchase site or receive information from the server related to the purchase site, an output unit to display, on a display screen, a purchase list according to the designation command, and a control unit to control the output unit to display on the display screen. | 2014-07-10 |
20140195384 | MESSAGE BASED GENERATION OF ITEM LISTINGS - According to various exemplary embodiments, an electronic text message is received from a source telephone number, the electronic text message including content describing a product item. A seller of the product item is identified, based on the source telephone number, and the product item is identified, based on the content included in the electronic text message. Thereafter, a draft version of an item listing is automatically generated, where the item listing lists the product item as being for sale by the seller on a marketplace website. | 2014-07-10 |
20140195385 | APPARATUS AND A METHOD FOR SIMPLYING AND DISPLAYING INFORMATION - A method of generating a presentation comprising providing a collection of content where each unit of content has an identifier, providing a seed unit of content that contains references to the said identifiers, searching the existing collection of content for units of content with identifiers that are referenced by the seed unit of content, generating a presentation by gathering all units of content that were found in the said searching, whereby the presentation generated can contain more content than the seed content. Also a method of placing an order comprising providing an item with a plurality of pricing tiers, providing pricing rules for enforcing the said pricing tiers, providing a criterion, providing a method to identify inputs required from the user such that an order can be created that meets the requirements of the user while optimizing said criterion while conforming to the said pricing rules, requesting the said identified inputs from the user of the client system, whereby the user of the client system is not exposed to the pricing tiers and is not able to submit an order that violates the pricing rules. Also an apparatus. | 2014-07-10 |
20140195386 | PROCESSING METHOD AND PROCESSING SYSTEM FOR ORDER DATA IN NETWORK PAYMENT SYSTEM - A processing method for order data in a network payment system. The processing method includes: receiving an order instruction issued from a user terminal; generating an order data including a connected user account information according to the order instruction; sending the order data and prompting a confirmation to the user terminal and notifying the user terminal to send the order data to a network bank system in response to a receiving of a confirmation instruction from a user account and thereby configuring the network bank system to verify the order data; and presenting the order data including the connected user account information to the user terminal after the network bank system returning that a corresponding verification result is positive. A processing system for order data in a network payment system is also provided. Thus, the network payment system has higher data security. | 2014-07-10 |
20140195387 | CUSTOMIZATION OF AN E-COMMERCE DISPLAY FOR A SOCIAL NETWORK PLATFORM - A first computer identifies electronic commerce activity related to a first user. The first computer retrieves a first data, wherein the first data is coupled to the electronic commerce activity. The first computer analyzes the first data and generates a second data. The first computer generates an electronic commerce display for a social network platform using the second data, wherein the electronic commerce display includes at least one timeline of the electronic commerce activity of the first user. | 2014-07-10 |
20140195388 | Customized Product Display - Technologies are described herein for customized product display. A data structure schema is defined for describing product graphics, such as product images, and for defining how aspects of the product graphics should be displayed. Through the use of the schema, a product manufacturer can provide product graphics to an e-commerce merchant along with product display data formatted according to the schema that provides instructions to the merchant regarding how the manufacturer prefers the product graphics to be displayed. The merchant can then utilize the product graphics and the product display data to generate a product page for the product. | 2014-07-10 |
20140195389 | INVENTORY MANAGEMENT SYSTEM - A statistical inventory management system may optimize inventory investment using historical usage and/or consumption of an inventory component by determining one or more target inventory levels (e.g., replenishment levels). Historical usage data may be summed for a plurality of at least partially non-overlapping time periods that may be each equal in duration to a supplier lead-time period for the component to create lead-time usage data. The lead-time usage data may be utilized to more accurately determine future inventory levels (e.g., target inventory levels) because the lead-time usage data may have a reduced variance compared to, for example, day-to-day usage. The inventory management system may be employable by a computing system having a display module (e.g., GUI) that allows a user to receive at least one graphical representation indicative of at least one target inventory level of at least one inventory component (e.g., by selectively interacting with the display module). | 2014-07-10 |
20140195390 | Auditor's Toolbox - A system and method for managing and providing selective access to automated data regarding daily valued defined contribution plans. More particularly, the present invention relates to systems and methods for managing accounting data between one or more clients and one or more administrators and one or more users (e.g., auditors, vendors, sub-vendors, etc.) and preferably presented to a third party via an interface which collects the information in a first format and displays the information in second format. The data is thus available to auditors using a template, different from the normal order in which the data is collected or used, which arranges the data and customizable reports in an order and fashion according to standard accounting plans or a comparable order in which the auditor will need the data and reports while auditing a defined contribution plan to prepare, for example, a form 5500 report. | 2014-07-10 |
20140195391 | ACCOUNTING DATA GENERATION APPARATUS, METHOD, AND SERVER APPARATUS - An accounting data generation apparatus includes a definition information storage unit, a business data acquisition unit, and an accounting data generation unit. The definition information storage unit stores definition information for generating a plurality of pieces of accounting data corresponding respectively to a plurality of accounting standards for each kind of business data created from data of a business system. The business data acquisition unit acquires the business data. The accounting data generation unit reads from the definition information storage unit definition information corresponding to the kind of the business data acquired by the business data acquisition unit, and generates a plurality of pieces of accounting data corresponding respectively to the plurality of accounting standards from the business data in accordance with the read definition information. | 2014-07-10 |
20140195392 | SYSTEMS AND METHODS USING A BUSINESS OBJECT LIFECYCLE FOR MANAGEMENT OF BUSINESS RECORDS MAINTENANCE - Systems, methods, and other embodiments associated with using a business object lifecycle for management of business records are described. In one embodiment, a method includes defining a lifecycle for a customer tax role record having a plurality of possible lifecycle states. Subsequent to defining the lifecycle, the method monitors a plurality of customer tax role records that have an active state, and for a monitored record, determines if an expiration date has expired. If the expiration date has not expired, then a new tax obligation is generated for a customer associated with the monitored record. If the expiration date has expired, the state of the lifecycle state of the monitored record is changed to an expired state such that the new tax obligation is not generated. The method then repeats the monitoring for a next active record from the plurality of customer tax role records. | 2014-07-10 |
20140195393 | Tax Data Management and Reporting System - A system and method to manage, report and collect property tax information and data in real time, which may provide a means to transmit and communicate information from a plurality of tax information sources to a plurality of tax information targets. | 2014-07-10 |
20140195394 | System and Method for Charging Services Using Effective Quanta Units - Embodiments are provided for enabling dynamic pricing of services to users. The amount of usage all or different services are quantized into quanta of minimum usage units, such as to an amount of effective bits (eBits) in communications services. The amount of usage of the different services is weighted differently, such as according to service cost or demand, to obtain corresponding amount of quanta of usage or eBits for each service. The amount of quanta of usage or eBits for the different services is summed up to provide a total amount of quanta of usage or eBits. The total amount of quanta of usage or eBits is converted into a total charge, as a product of the total amount of quanta of usage or eBits, or a monotonic function of the total amount, and a fixed charge rate per quanta of usage or eBit. | 2014-07-10 |
20140195395 | DIFFERENTIATED SERVICE LEVELS FOR EXCEPTION PROCESSING OF FINANCIAL TRANSACTIONS - Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved. | 2014-07-10 |
20140195396 | ACTIONABLE EXCEPTION ALERTS - Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved. | 2014-07-10 |
20140195397 | SYSTEM AND METHOD FOR GATHERING AND PERFORMING COMPLEX ANALYSES ON POWER DATA FROM MULTIPLE REMOTE SOURCES - The invention encompasses data analytics, and more specifically, encompasses the efficient gathering and management of data, and the execution of data analysis solutions on complex power and pricing. | 2014-07-10 |
20140195398 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING RELATIONSHIP OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization. | 2014-07-10 |
20140195399 | METHOD AND SYSTEM FOR ACHIEVING POSITIVE NET PROFITS STATISTICALLY - This invention discloses an investment method for achieving consistent positive profits, positive net profits, or “absolute return”, statistically. It begins with evaluating a trading system. Average and standard deviation are calculated from occurred individual trading profits to estimate expected average profit and risk. Expected cumulative profits and cumulative standard deviations are then estimated from their corresponding individual counterparts. An expected performance map may be constructed with the expected cumulative profit and lower profit limit plots. To ensure positive net profits can be achieved, a high probability confidence level is specified, and a lower profit limit is estimated. If the expected average profit is positive, expected cumulative profits will continuously increase. After sufficient trades, the lower profit limit will also increase and eventually become positive. Whereby, positive net profits can be achieved with high probability, while risk is limited by the lower profit limit. Thus risk occurs at a low probability. | 2014-07-10 |
20140195400 | SECURITY FUTURES CONTRACT WITH SELECTABLE EXPIRATION AND METHOD AND SYSTEM FOR THE CREATION, LISTING, PURCHASE AND SALE, AND TRADING OF THE SAME - The embodiments of the invention provide a novel financial instrument and system and method for creating, listing, purchase and sale, and trading said financial instrument wherein the instrument comprises a security futures contract with a selectable expiration date. A request for quotes process is also provided, which in one embodiment permits the creation and listing of a security futures contract with a selectable expiration date. A method and system for permitting the automated entry of an exchange-for-physicals (EFP) trade including a security futures contract with a selectable expiration date is also provided. | 2014-07-10 |
20140195401 | SYSTEM AND METHOD FOR QUICK QUOTE CONFIGURATION - A method and system are described for providing a trader with the ability to quickly configure the quoting side of a trading tool, without experiencing the normal delays associated with conventional methods of quoting. In spread trading, an automated spread trading tool may automatically work an order to buy or sell a tradeable object. A user may configure the trading tool to work an order in a certain tradeable object first. The system allows the user to essentially on-the-fly configure the trading tool to work a second order in another tradeable object, and in response to the change, the system can take specific actions such as deleting the order in the first tradeable object and automatically entering the second order in the other tradeable object. This allows the trader to trade quickly and efficiently. | 2014-07-10 |
20140195402 | SYSTEMS AND METHODS FOR ROUTING TRADING ORDERS - Systems and methods are provided for routing trading orders. The system determines that a first trading entity disclosed to the trading platform a reserve quantity of a first trading order received from the first entity. The system determines that a second trading entity did not disclose a reserve quantity of a second trading order received from the second trading entity. The system receives a third trading order. The system preferences the first trading entity over the second trading entity in the routing of trading orders, e.g., by routing the third trading order to the first trading entity. | 2014-07-10 |
20140195403 | PRESENTATION AND ANALYSIS OF DOCKET INFORMATION AND FINANCIAL INFORMATION - Aggregation, analysis, and presentation of financial and docket information in a common interface are described. | 2014-07-10 |
20140195404 | METHOD AND SYSTEM FOR IMPLEMENTING AN INVESTMENT COMPANY THAT ISSUES A CLASS OF CONVENTIONAL SHARES AND A CLASS OF EXCHANGE-TRADED SHARES IN THE SAME FUND - A method is provided for administering a single investment company that issues one or more classes of shares that are bought from and redeemed with the single investment company at a net asset value and issues one or more classes of shares that are listed for trading on a securities exchange and that are bought and sold at negotiated market prices. One or more computers maintain account data of the outstanding shares. An owner of any share of any share class has an undivided interest in the single investment company. | 2014-07-10 |
20140195405 | SYSTEM AND METHOD FOR BILLING A UTILITY CONSUMER AFTER INSTALLATION OF A NEW LIGHTING TECHNOLOGY - A method includes obtaining, at a metering device, power usage information associated with operation of a second technology; calculating, at a processor and based on the power usage information obtained from the metering device, a power base load capacity relief of an electrical system to a utility provider resulting from change from a first technology to the second technology; receiving, at the processor, a technology cost including fixed and variable costs to install and maintain the second technology; calculating, at the processor, a return needed for repayment of the technology cost; determining, by the processor, a new utility rate by apportioning the return needed for repayment of the technology cost as a function of the power base load capacity relief and calculating; and providing a utility invoice to the utility consumer for a power reduction over time at the new utility rate. | 2014-07-10 |
20140195406 | METHOD FOR AGENCY COST ESTIMATION - A method for forecasting the transaction cost of a portfolio trade execution that may be applied to any given trading strategy or an optimal trading strategy that minimizes transaction costs. The system accepts user-defined input variables from customers and generates a transaction cost estimation report based on those variables. Two models are utilized: discretionary and non-discretionary. A specific transaction cost estimation and optimization is performed that model the transaction costs of a specific trade execution based on the user's trading profile and market variables. | 2014-07-10 |
20140195407 | CONFIDENTIAL BLOCK TRADING SYSTEM AND METHOD - Methods and systems for facilitating trading of securities, preferred methods comprising receiving a first buy or sell order from a first user; calculating a block price range; determining that said first order is reasonably priced; transmitting to a second user a notification that a reasonably priced order is present, but without notifying said second user of the side; receiving a second order from said second user, wherein said second order is a contra to said first order and nearly matches but does not cross said first order; transmitting a contra order notification to said second user after said second order is received, said contra order notification indicating that a nearly matching contra order is active; receiving a third order from said second user, said third order being a contra to said first order and crossing said first order; and executing a trade comprising said first order and said third order. | 2014-07-10 |
20140195408 | System and Method for Order Placement in an Electronic Trading Environment - A system and associated methods are provided for intelligent placement and movement of orders in an electronic trading environment. According to one example method, in addition to submitting a leg order at a calculated price level, additional orders, queue holder orders, are submitted for the leg order at prices either below or above the calculated price level. Based on this configuration, if the conditions change such that it is necessary to re-price the leg order, there will be already an order resting in the exchange order book at the re-calculated price that can be used in the strategy. Upon re-pricing the leg order, one or more additional queue holder orders will be placed in the market. Other tools are provided as well. | 2014-07-10 |
20140195409 | System and Method for Making Positions Held by a Trader Fungible - Positions held by a trader are made fungible by selecting a first position in a first futures contract that is deliverable and selecting a second position in a second futures contract, wherein the first and second futures contracts are traded in a first and second market, respectively. Offsetting the first and the second positions eliminates a delivery obligation of the trader. | 2014-07-10 |
20140195410 | SYSTEM AND METHOD FOR REDUCING CURVE RISK - A bond matching system receives positions from dealers identifying bonds to be matched and including the price value per basis point (PVPB) of the bonds and an indication of a percentage deviation from PVBP that the dealer is willing to accept in a matching bond. A matching engine performs a matching optimization during a run to match as many positions as possible and then calculates a series of hedge trades for each dealer to reduce the curve risk generated by matching with bonds having different maturity dates. The hedge trades are executed in a liquid external market such as a futures exchange. | 2014-07-10 |
20140195411 | SYSTEM AND METHOD FOR DISPLAYING A CONSTANT TIME SELECTION CONTEXT MENU INTERFACE - A system and method are provided for a context menu pop-up interface. In one embodiment, the context menu interface may be activated in relation to a second interface, and may include a plurality of selection areas organized around a central selection area. In a preferred embodiment, the sizes of each of the plurality of selection areas increase as a distance to each selection area increases from the central selection area, and the sizes are selected such that the plurality of selection areas can be selected in approximately the same time. | 2014-07-10 |
20140195412 | INCREASED EFFICIENCY FOR UNDERWRITING LOANS - Exemplary method, system, and computer program product embodiments for increased efficiency for underwriting are provided. In one embodiment, by way of example only, collected data obtained from dynamic sections in a web portal is processed, thereby instantaneously underwriting at least one of an available multiplicity of financial products via a decision engine without necessitating the forwarding of the collected data to an external underwriting system. Additional system and computer program product embodiments are disclosed and provide related advantages. | 2014-07-10 |
20140195413 | Unique and revolutionary way of financing - The problem is the loss of economic value of manufactured products over time due to economic forces, wear and tear such as automobiles, electronic devices, structures and other manufactured or assembled products, but it is not taken as a factor in the terms of the loan of which such products were purchased by the consumers. My method called “Cascading Financing” takes into consideration the loss of value of such goods and products and incorporates it in the terms of the loan through the reduction of interest rate every term/year/month the loan is satisfied. Over time “Cascading Financing” will be used in financial transactions to reward the consumer/debtor for the timely payment or satisfaction and of the customer loyalty. It can be spun into other creative forms of financing as long as the basic core of “Cascading Financing” is applied, i.e. reduction of interest rate over the terms agreed upon by parties involved. | 2014-07-10 |
20140195414 | METHOD FOR ESTABLISHING TERMS OF A FINANCIAL TRANSACTION USING PLAYER TRACKING DATA - A method for establishing one or more terms of a financial transaction comprises: receiving a player identifier; retrieving player tracking data provided by a player tracking system; and determining the at least one term based on the player tracking data. In one embodiment, the financial transaction is cashing of a check and the at least one term is a check cashing limit. The player tracking data may comprise of a player rating established by the tracking system or at least one type of player tracking data such as the player's previous bets and/or winnings. Player tracking data may be retrieved by a real-time electronic connection to the tracking system; by periodic exportation from the tracking system and importation into a check cashing system; or by separate retrieval from the tracking system and then manual imputation into the check cashing system for embodiments without an electronic interface to the tracking system. | 2014-07-10 |
20140195415 | SYSTEM AND METHOD FOR FACILITATING THE AMENDING OF SYNDICATED LOANS - A system and method are provided for facilitating the amending of syndicated loans. Authorized users are registered in connection with their respective funds invested in the loan. Fund registration data is received for each fund and includes the fund holding amount and whether the fund is of the single or dual signature type. Authorized users may vote supporting, opposing or conditional with regard to the proposed amendment. A calculation is performed to anticipate the voting outcome before the amendment deadline. If the amendment is anticipated to pass, the conditional votes are converted to supporting votes. Typical embodiments provide for an Internet-enabled interface through which authorized users may enter or change their vote while monitoring the real-time status of the amendment. Agents may be automatically provided fund consents for each fund ending up with a supporting vote in a passing amendment. Funds may be automatically notified of the consent fee earned. | 2014-07-10 |
20140195416 | SYSTEMS AND METHODS FOR PAYMENT PROCESSING - A computer-implemented method includes: receiving, by a computer system, a payment request from an originator having an account at a first financial institution, wherein the payment request is associated with a receiver having an account at a second financial institution. In response to receiving the payment request, a payment instrument is disbursed to the receiver. The method further includes receiving, by the computer system, a request for a payment amount designated by the payment instrument and, in response to receiving the request for the payment amount, crediting the payment amount to a clearing account. The method also includes crediting the payment amount to the receiver's account in conjunction with debiting the payment amount from the clearing account. | 2014-07-10 |
20140195417 | METHOD OF AND SYSTEM FOR CAPTURING INTEREST EARNED ON THE MONETARY VALUE OF TRANSFERRED MONETARY RIGHTS MANAGED ON AN INTERNET-BASED MONETARY RIGHTS TRANSFER (MRT) NETWORK SUPPORTED BY A REAL-TIME GROSS SETTLEMENT (RTGS) SYSTEM - Method of transferring monetary rights across a plurality of financial institutions participating within a monetary rights transfer (MRT) network, and capturing interest earned on the transferred monetary rights associated with a monetary value amount possessed or controlled by an owner/holder and held in a first account maintained by a home financial institution, associated with the MRT network. Also, a plurality of participating financial institutions is associated with the MRT network, wherein each financial institution maintains a second account, interest bearing, for the owner/holder of the amount of money to capture interest. A real time gross settlement (RTGS) system, controlled by a central bank of a country, is embedded within the internet-based MRT network, for recording debits and credits between central bank accounts maintained by different participating financial institutions at the central bank, so as to transfer interest in the second accounts to the first account of the MRT network user. | 2014-07-10 |
20140195418 | METHODS OF ESTABLISHING CREDIT - A method for enhancing credit of a cardholder of a pre-paid card may include issuing a pre-paid card to a cardholder. The cardholder may be charged a fee to establish a credit instrument associated with an account and the pre-paid card. The cardholder may be billed a portion of the credit instrument that includes the fee on a periodic basis, where the billing may be independent of billing for purchases of goods and services with the pre-paid card. A determination as to whether the cardholder timely paid the bill. If the cardholder timely paid the bill, then the payment may be recorded as being timely paid. Otherwise, a recording may be made that the bill was not timely paid. A reporting as to the timeliness of the payment may be made to affect a credit score of the cardholder. | 2014-07-10 |
20140195419 | REDEEMING GIFT CERTIFICATE WITHOUT PRESENTING GIFT CERTIFICATE - A system and method for processing a gift certificate is disclosed for redemption of the gift certificate using an account or a payment card but without presenting or submitting the gift certificate for redemption. For the system and method, a user interface is provided for associating or linking a gift certificate with an account or payment card for the redemption without presenting or submitting. Associating the gift certificate with the account or payment card involves accessing data of the first gift certificate that is stored in at least one gift certificate database. | 2014-07-10 |
20140195420 | Pay Request System - This web enabled system is capable of facilitating the management of unlimited projects within which an unlimited number of parties may participate to complete an unlimited number of stages, substages and tasks. The system facilitates the efficient disbursal of monies while reducing the inefficiencies that result when money is not timely disbursed. Allowed inputs are governed by each party's function and the password security level provided therefore, in balance with checks against required approvals or releases by other affected parties and intrasystem consistency checks. The system provides net payment function management to provide payor credit for faster payment. | 2014-07-10 |
20140195421 | FACTORING IN FREIGHT TRANSPORTATION UTILIZING AUTHENTICATED DATA - Freight transport factoring platforms, systems, and applications comprising: a database of at least one freight transport order, each order comprising an association of freight transport equipment information, operator information, and freight information; a software module configured to: (I) receive freight transport equipment information transmitted by the electronic device and (II) associate the freight transport equipment information with an order; and a software module configured to communicate an order and associated freight transport equipment information to a factoring application; provided that the communicated order and associated freight transport equipment information comprise information derived from the electronic device physically attached to the freight transport equipment, including methods of using the same. | 2014-07-10 |
20140195422 | DIGITAL WALLET CLIENT DEVICE - A digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed. | 2014-07-10 |
20140195423 | DIGITAL WALLET SERVER - A digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed. | 2014-07-10 |
20140195424 | DIGITAL WALLET INCLUDING VENDING AND PAYMENT RECEIPT FUNCTIONS - A digital wallet serves as a virtual wallet for all of the credit cards of a user. The digital wallet can be extended to other types of spending cards. Spending limits can be set for individual cards, as well as global limits. The user may setup an eCard on behalf of a recipient, where the eCard has a spending limit and the master account can view eCard transactions. Digital receipt management is provided to aid a user to organize receipts. Techniques to use a temporary code to improve the security of verifying a user is also disclosed. | 2014-07-10 |
20140195425 | Systems And Methods For Proxy Card and/or Wallet Redemption Card Transactions - Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving an authentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip. | 2014-07-10 |
20140195426 | Method of utilizing a successful log-in to create or verify a user account on a different system - A method is permitted to permit remote log in credential authentication for mobile users seeking access to a computer system through a second party computer system such as an aggregator. | 2014-07-10 |
20140195427 | MOBILE TRANSACTIONS - A method for analysing mobile handset based transactions between sender handsets and receiver handsets comprising the steps of: identifying locations of a sender handset and a receiver handset for each transaction using mobile base station information; determine a geographical distribution of mobile handset based transactions based on the identified locations; and identifying anomalies by comparing the determined geographical distribution with an expected geographical distribution. | 2014-07-10 |
20140195428 | AUDIO-BASED ELECTRONIC TRANSACTION AUTHORIZATION SYSTEM AND METHOD - Methods and systems for facilitating and authorizing electronic transactions with various devices and systems are disclosed. Embodiments of the present invention utilize audio messages to initiate, process and complete transactions between two or more parties, allowing users to efficiently and effectively enter into and complete financial transactions with businesses and other users. The need to utilize text-based entry as part of the verification process—an inefficient, error-prone and insecure authorization mechanism—is minimized and, in some embodiments, avoided altogether. Unlike recently developed authorization methods, embodiments of the present invention may be implemented using any number of existing devices including, analog or digital televisions, radios, smartphones, tablets computers, and other devices. Embodiments of the present invention may also be utilized to facilitate authorization for various other transactions including to access to an account, website or other locations, to accept or propose trades, to sign a legal or non-legal document, and to verify identity. | 2014-07-10 |
20140195429 | METHOD FOR PROTECTING CARDHOLDER DATA IN A MOBILE DEVICE THAT PERFORMS SECURE PAYMENT TRANSACTIONS AND WHICH ENABLES THE MOBILE DEVICE TO FUNCTION AS A SECURE PAYMENT TERMINAL - A system and method system and method for enabling a portable electronic appliance such as a mobile telephone or tablet computer to be able to function as a device that may store account information in order to make a secure payment, or to be able to use the portable electronic appliance as a secure payment terminal so that a credit card holder may use it to make a secure payment. | 2014-07-10 |
20140195430 | APPARATUS AND METHODS FOR PROVIDING A PAYMENT SYSTEM OVER A NETWORK - Apparatus and methods provide an accumulator that processes electronic payments from an employer to a recipient via a network. The payments processed may be, for example, child support payments collected from an employee by the employer. The employer may submit one transaction made up of payments collected from multiple employees bound for multiple recipients and the accumulator may receive, translate, batch, and deliver the payments to the multiple recipients. The accumulator, employers, and recipients may communicate via a network such as the Internet. | 2014-07-10 |
20140195431 | Aggregate Constraints for Payment Transactions - This document describes tools capable of authorizing or enabling authorization of multiple payment transactions without requiring that a buyer or seller authorize each transaction separately. The tools may do so by enabling a buyer or seller to select aggregate constraints, such as a total price or number of transactions. Based on these selected constraints, the tools may authorize every payment transaction that meets the aggregate constraints without requiring the buyer to authorize every transaction separately. | 2014-07-10 |
20140195432 | SYSTEMS AND METHODS FOR PROCESSING PAYMENTS WITH PAYMENT REVIEW - Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least one receiver, determining a first set of payments included in the plurality of payments to automatically accept based on validation parameters, determining a second set of payments included in the plurality of payments to reject based on the validation parameters, determining a third set of payments included in the plurality of payments to conditionally accept based on the validation parameters, and electronically prompting at least one user to accept or reject payments included in the third set of payments. | 2014-07-10 |
20140195433 | UPGRADING OF RECURRING PAYMENT CANCELLATION SERVICES - A method of reducing chargebacks due to a cancelled recurring payment, wherein the payment occurs within a card-based financial network, and wherein the network includes a database of unauthorized recurring charges and a defined chargeback procedure. The method generally includes the step of upgrading a recurring payment cancellation services file based on predefined occurrences relating to the identifying of cancelled recurring payments. | 2014-07-10 |
20140195434 | SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION - Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set when registering for the alert service. In response to the alert, the consumer may send an SMS or other message that requests “help”, “advice”, “need information”, etc. In some embodiments, the consumer may select or activate a user interface element that enables them to obtain advice or information regarding the transaction. In some embodiments, a consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction. | 2014-07-10 |
20140195435 | METHOD AND SYSTEM FOR FACILITATING MICROPAYMENTS IN A FINANCIAL TRANSACTION SYSTEM - A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria. | 2014-07-10 |
20140195436 | METHOD AND SYSTEM TO PROCESS CREDIT CARD PAYMENT TRANSACTIONS INITIATED BY A MERCHANT - A system, to process credit card payment transactions initiated by a merchant, includes an interface to receive a merchant-initiated request for a transfer of funds from a buyer credit card account. A credit card processing application initiates the transfer of funds from the buyer credit card account to a third-party merchant bank account, held by a third-party payment service. The third-party merchant bank account receives funds from the buyer credit card account on behalf of the merchant. A funds allocation application allocates the received funds to a receiving account of the merchant, the receiving account being maintained by the third-party payment service. The credit card processing application may be virtual point of sale (POS) terminal application, hosted at a server computer system operated by the third-party payment service, and accordingly may be accessible by the merchant via a network. | 2014-07-10 |