34th week of 2012 patent applcation highlights part 52 |
Patent application number | Title | Published |
20120215594 | SYSTEM AND METHOD FOR GPS LANE AND TOLL DETERMINATION AND ASSET POSITION MATCHING - A system carried by a vehicle for computing tolls using a global position satellite (GPS) signal receiver, a communications link, and compact toll lane information provided by a service center. Toll lane information is organized by travel monitoring point. Data for each point includes a latitude and longitude coordinate and either lane shape information or a coordinate offset from a similar lane. A driver interface module is used in conjunction with the OBU to allow selection of occupancy and to display toll information to the driver to allow for use in HOT lanes and to support congestion pricing models with zero or minimal infrastructure cost. | 2012-08-23 |
20120215595 | System and Method For Automatically Issuing Permits - A parking permit system that allows a permit applicant to electronically apply for a permit. Once the applicant submits application data, the system will automatically verify the applicant data by comparing the applicant data against a system database. Once verified, the system will automatically, qualify parking rights associated with the permit application by applying the parking rights to a set of rules governing a parking zone. Once the application data is verified and the parking rights are qualified, the system will issue the parking permit. | 2012-08-23 |
20120215596 | System And Method For Permit Enforcement - A permit enforcement system is a computer-implemented system that enforces parking rights within a parking zone. The system may include a processor(s) that allows the system to first capture parked vehicle images within the parking zone during a specified time period. The images are then transmitted to a computing system with a time and date stamp and geographic location. The images are processed to obtain vehicle identifiers. The processor then queries a permit database to compile a list of vehicles permitted to park in the parking zone during the specified time period. This list is compared the vehicle identifiers and the vehicles identifiers which were not authorized to park within the parking zone during the specified time period are identified. These vehicle are then associated with owner information using an outside entity database and vehicle owners are notified of the violations. | 2012-08-23 |
20120215597 | SYSTEM FOR ANALYZING SOCIAL MEDIA BEHAVIORAL INFLUENCE - Embodiments of the invention are directed to monitoring selected activity of a user of one or more social networks and providing offers to the user based on such selected activities. For example, selected activities could be the number of other users of the social network that are associated with the user, the number of posts entered by the user on the social network, the number of other users that respond to a post by the user, a type of product, service, or event that the user either selects or enters a posting for, and/or associations the user has with other selected users of the social network. In some embodiments, financial data associated with the user and other users of the social network may be analyzed to determine the user's influence on other users of the social network and provide offers to the user based on such influence. | 2012-08-23 |
20120215598 | Marketing and selling contributed resources in distributed computing - A method or system for marketing and selling contributed resources of a plurality of separate electronic devices by generating a framework for resource contribution. The assigned contributed resources are the contributed resources that are assigned to credit categories. A credit category model is optimized based the assigned contributed resources using a dynamic availability of the assigned contributed resources and a processing requirement of a task. Resource contributions are tracked based on completed task segments, wherein the completed task segments are distributed task segments derived from the task that have been processed by the assigned contributed resources. And an account is credited based on the tracked resource contribution. | 2012-08-23 |
20120215599 | METHOD OF DISSEMINATING ADVERTISEMENTS USING AN EMBEDDED MEDIA PLAYER PAGE - A method of disseminating advertisements includes the step of transmitting to a media device an embedded media player page for playing a media file. The embedded medial player page allows a user of the media device to create a bookmark for a browser. The bookmark points to the embedded media player page. The bookmark includes an address of the media file as a parameter. When the bookmark is used in the browser to play the media file, the embedded media player page instructs the media device to request an advertisement form an advertisement server for display in the embedded media player page. | 2012-08-23 |
20120215600 | SYSTEMS AND METHODS WHEREIN A SECURITY DEPOSIT FACILITATES A TRANSACTION IN WHICH A BENEFIT IS APPLIED IN EXCHANGE FOR PERFORMANCE OF A TASK - Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit. | 2012-08-23 |
20120215601 | Systems and Methods for Task-Based Decreasing Price Markets - Embodiments of task-based, decreasing-price markets enable dynamic discounting of items for sale. In one example, users shop for products (e.g., clothing, electronics, or cars) or services (e.g., hotel rooms, plane tickets, or car rentals) using a computing device or mobile device. As the users shop, they view advertisements or perform other tasks, like answering questions, and the system discounts an item's price based on the number or complexity of the performed tasks. Each user who performs a task gets a chance to buy the item at its discounted price. The other users also get a chance to buy the item at the discounted price. If someone buys the item, the item's price returns to its starting value. If nobody buys the item, the system discounts the item's price further as the users perform more tasks until someone buys the item or the item's price reaches a minimum value. | 2012-08-23 |
20120215602 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215603 | SYSTEM AND METHOD FOR GENERATING MERCHANT DISCOUNT DEALS HAVING PHILANTHROPIC ADVERTISING AND ASSOCIATED DONATIONS TO AN ORGANIZATION - A method and system for generating one or more merchant discount deals having philanthropic advertising and associated donations to one or more organizations. The method includes selecting one or more merchant offers and selecting the one or more organizations. Additionally, the method includes creating the one or more merchant discount deals using a processor of a computing device, by associating an offer of the one or more offers with an organization of the one or more organizations, wherein each merchant discount deal has an associated discount to a user and a base donation amount to one of the one or more organizations and displaying the one or more merchant discount deals. | 2012-08-23 |
20120215604 | SYSTEM AND METHOD INCLUDING REFERRAL PROCESSING - A system and method to enable an account owner, such as a user of a pre-paid card, to invite another person to become a user of a pre-paid card. The account owner may find a person to “invite” based on the owner's email, contact list, social network contacts, or another suitable source of data. If the person receiving the invitation to apply for and open a pre-paid account opens such an account, then the person sending the invitation may receive an award or reward. In some cases, the person receiving the invitation may also receive an award or reward. The amount of the award or reward may depend on one or more factors, including the number of times the new account owner loads their pre-paid card, the number of transactions that the new account owner conducts using the pre-paid card, etc. | 2012-08-23 |
20120215605 | SYSTEM AND METHOD FOR PROVIDING A USER WITH A SINGLE PAYMENT CARD ON WHICH PREPAID AND/OR REWARD BALANCES ARE TRACKED FOR MULTIPLE MERCHANTS - The system and method of present invention provides a user with a single account that separately tracks prepaid and/or reward balances from multiple merchants. Multiple merchant purses are associated with the user's account. Each purse corresponds to one merchant, and represents the user's credit balance with the merchant (e.g., prepaid deposits plus reward). The balance associated with each merchant purse is separately tracked. In one embodiment, each merchant purse is associated with its own set of rules for calculating a reward or otherwise managing the purse. When a user deposits prepaid money into a merchant purse, the system that manages the user's account executes any rules associated with the purse related to a deposit. If there is a rule associated with a rewards calculation, a reward amount is calculated in accordance with the rule and, if the reward is greater than zero, the merchant purse is credited with the reward. | 2012-08-23 |
20120215606 | NON PRE-APPROVED CHANNEL FILTERING FOR CARD ACQUISITION - Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may be removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit. | 2012-08-23 |
20120215607 | SYSTEMS AND METHODS FOR ALLOCATING A COMMON RESOURCE BASED ON INDIVIDUAL USER PREFERENCES - A system and method for allocating a common resource based on individual user preferences. Voting points are awarded to at least one user member of an online community for at least one participation activity. A plurality of recipient members is accepted to the online community. At least one user member selection is received including at least one selected recipient member. A revenue pool is aggregated from at least one revenue-generating activity and any advertising revenue. A donatable pool is determined, where the donatable pool includes at least a portion of the revenue pool for allocating to the plurality of recipient members. The donatable pool is allocated to the plurality of recipient members based on the at least one user member selection. | 2012-08-23 |
20120215608 | WEB-BASED REWARD POINT SYSTEM - A web-based reward point system that awards points in the form of web credits to users as a reward for participating in certain online activities. The web credits are stored in a database that contains information about user accounts, web credit award activity and web credit redemption activity. The user is able to redeem web credits by receiving a voucher from the website that contains a unique voucher ID and presenting the voucher to a vendor at a business location of the vendor. The vendor is able to verify the authenticity of the voucher by checking the voucher ID at the website. In exchange for the voucher, the user receives a reward from the vendor. Alternatively, the user can load web credits onto an existing vendor loyalty card or debit/credit card which can be used as currency with the vendor. | 2012-08-23 |
20120215609 | VOUCHER REDEMPTION - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts stored in the data store. Each consumer account has a first consumer account identifier. A communication and routing module receives a charge request, including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A merchant offer is received from the merchant computer system and stored in the data store. A voucher redemption system identifies a selected one of the voucher entries based on the charge request. A transaction processing adjusts the first amount to a second amount that is less than the first amount based on the discount of the selected voucher entry and processes the second amount based on the account detail of the selected consumer account. | 2012-08-23 |
20120215610 | Systems and Methods to Facilitate Offer Sharing - A computing apparatus is configured to use the transaction data of a user and the transaction data of the friends of the user to generate a profile to identify, select, and/or customize an offer that is initially communicated to the user. The offer is shareable by the user with the friends of the user. The computing apparatus is configured to monitor the transactions of the user and/or the friends of the user to detect a transaction that satisfies the redemption requirement of the offer and thus provide the benefit of the offer to the purchaser involved in the transaction, which may be the user or one of the friends of the user. | 2012-08-23 |
20120215611 | MY COUPON GENIE - A coupon delivery and redemption method provides downloading of coupons by manufacturers and vendors to a central coupon website. A registered consumer can access the website via a computing device to select coupons for later redemption. The selected coupons are stored on a consumer mobile communication device and presented to a vendor/retailer at product checkout for redemption of the coupons. | 2012-08-23 |
20120215612 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215613 | SYSTEM AND METHOD FOR MANAGING OFFERS FOR PREPAID TELEPHONY ACCOUNTS - A method for managing offers for prepaid telephony accounts of a plurality of users is provided. The method includes obtaining information related to user profiles and usage patterns of a plurality of telecommunication services offered to the plurality of users through their respective prepaid telephony accounts. The method also includes customizing prepaid telephony offers for each of the plurality of users based upon the information related to the user profiles and the usage patterns and delivering the customized prepaid telephony offers to a mobile device of each of the plurality of users via unstructured supplementary services data (USSD) messages. | 2012-08-23 |
20120215614 | SYSTEMS AND METHODS FOR AUTOMATICALLY PROVIDING RELEVANT OFFERS TO CUSTOMERS - Disclosed is a method including determining, by a computer based system for managing a rewards program, an assignment for transaction account data associated with a first transaction account. Thereafter, the first transaction account is assigned to a first population of a plurality of populations based on the transaction account data. Thereafter, an offer comprising an offer criteria is received from an offeror. Thereafter, the offer criteria is analyzed to identify a subset of the plurality of populations. The subset comprises the first population. Thereafter, the offer is communicated to the subset of the population. | 2012-08-23 |
20120215615 | Conditional Partial Refund Based on Units Sold - The disclosed technology provides a method for granting partial refunds (post-payment discounts) to purchasers of a product only if a pre-determined/pre-defined number of sales has been met to purchasers signing up to be part of a partial-refund program for the product. In this manner, the purchasers have the incentive to spread information about the partial refund to their friends, such as via social networking, and “advertising” on the part of the seller, who then makes more sales. If the sales threshold is met, the partial refund is issued. | 2012-08-23 |
20120215616 | SYSTEM AND METHOD FOR ADVERTISING LAST MINUTE AVAILABILITY OF SERVICES - A system for connecting businesses with a customer community stores business registration information associated with the businesses, including the type of service offered by each business, and customer registration information including services of interest and contact information. A server receives information from a business via a communication interface that an offer is available for a limited time at a discount price, and sends information on the offer to a plurality of customers for whom the offer is relevant, based on stored customer information. Interested customers receiving the offer reply to the offer through the system, the system sends the replies to the business, and the business is charged a predetermined fee for connecting the customers to the business based on the number of replies to the offer received by the business through the system. | 2012-08-23 |
20120215617 | LOCATION BASED VALUE DISSEMINATION SYSTEM AND METHOD - A computer-implemented value dissemination method is provided. The method includes defining a physical location and detecting entrance of a mobile device associated with a user to the physical location. A value indication is generated in response to detecting the entrance to the physical location, and the value indication is rendered accessible to the user. A system for disseminating value is further provided. | 2012-08-23 |
20120215618 | System And Method For Implementing A Social Coupon String - A method and a system for an increased value of a Coupon are provided. The increased value is achieved by a first number of computing device users who have confirmed the Coupon. A second number of computing device users increases the value of the Coupon to a new value by confirming the Coupon. Confirmation of a Coupon can be achieved by activating a link. Confirmation can also be achieved by sending an e-mail. A first Coupon string contains contacts including a first user of a starting user. The first user becomes a starting user of a next string by activating a new string of contacts. Different coupon strings may achieve different end values of a Coupon. A Coupon may be associated with a special interest. A special interest may be a credit card. | 2012-08-23 |
20120215619 | OFFER INSERTION SYSTEM - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts are stored in a data store. Each consumer account has a first consumer account identifier. Each merchant account has a merchant account identifier. A merchant offer is stored in the data store in association with the merchant account having the respective merchant account identifier. A push module associates the merchant offer with the consumer account identifier. A communication and routing module receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A transaction processing system that processes the charge request based on an account detail of the selected consumer account. | 2012-08-23 |
20120215620 | Message Center Application and System - A message system permits a commercial subscriber to create and store a message accessible by a consumer having the system application installed on his personal communication device for machine readable redemption at a point-of-sale or other redemption center. The system logs the redemption and activates rebates or payments from the commercial subscriber to the point-of-sale or other redemption center, in accordance with any agreement which may exist between the redemption center and the commercial subscriber. | 2012-08-23 |
20120215621 | METHODS AND APPARATUS TO DETERMINE MEDIA IMPRESSIONS USING DISTRIBUTED DEMOGRAPHIC INFORMATION - Example methods involve based on a first request to log a first media impression, generating a first identifier associated with a first client device that generated the first request, and sending a communication to the first client device. The communication includes the first identifier, and the communication is to cause the first client device to send the first identifier associated with the first client device to a database proprietor in association with a cookie identifier of the first client device. Second media impressions are logged in association with the first identifier of the first client device and second identifiers associated with second client devices based on second requests received from the first and second client devices. A batch including the second media impressions and the first and second identifiers is sent to the database proprietor. Demographic information associated with the second media impressions is received from the database proprietor. | 2012-08-23 |
20120215622 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215623 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215624 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215625 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215626 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215627 | SYSTEM, METHOD AND COMPUTER READABLE RECORDING MEDIUM FOR CHARGING FOR ON-LINE ADVERTISEMENT - A computer-implemented charging control method includes determining an expected click count for an advertisement provided on a web page; obtaining a generated click count for the advertisement, using the computer, the generated click count including a number of clicks on the advertisement during a period of time; generating an invoice for the advertisement, based on the expected click count and the generated click count; and transmitting the invoice to an advertiser terminal. | 2012-08-23 |
20120215628 | Chronostratigraphic Modeling and Mapping System and Method - A chronostratigraphic database comprising a plurality of discrete data points, wherein each data point comprises an x, y, z and T value, wherein x, y, and z are Cartesian coordinates describing a position and T is a geologic time event relative to said position; a method to produce a chronostratigraphic database and to utilize the database; and a modeling system wherein the database includes data formatted and arranged for use with a computer-implemented method or web-based method for controlling serving of an advertisement or public service message using its relevancy to a request. | 2012-08-23 |
20120215629 | SYSTEM AND METHOD FOR APPLYING A DATABASE TO VIDEO MULTIMEDIA - A system and method for applying a database to video multimedia is disclosed. Certain embodiments provide media content owners the capability to exploit video processing capabilities using rich, interactive and compelling visual content on a network. Mechanisms of associating video with commerce offerings are provided. Video server and search server technologies are integrated with ad serving personalization agents to make the final presentations of content and advertising. Algorithms utilized by the system use a variety of techniques for making the final presentation decisions of which ads, with which content, are served to which user. | 2012-08-23 |
20120215630 | VIDEO CONTEXTUAL ADVERTISEMENTS USING SPEECH RECOGNITION - Embodiments of a computer-implemented advertisement display system are disclosed. In one embodiment, the system includes a speech recognition component that processes a video clip and produces a corresponding collection of speech recognition data indicative of an audio portion of the video clip. The system also includes a collection of advertising material. An advertisement selection component selects an advertisement from the collection of advertising material based on the corresponding collection of speech recognition data. The system also includes a display. An advertisement presentation component displays an indication of the selected advertisement on the display during a simultaneous display of the video clip. | 2012-08-23 |
20120215631 | METHOD AND APPARATUS FOR PROVIDING SUPPLEMENTARY PRODUCT SALES TO A CUSTOMER AT A CUSTOMER TERMINAL - A system for providing supplementary product sales is provided in which a central controller receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted. If the selection signal indicates that the supplementary product is accepted, the central controller adjusts a balance of a financial account in dependence on an adjustment value associated with the supplementary product. | 2012-08-23 |
20120215632 | METHOD AND APPARATUS FOR PROVIDING SUPPLEMENTARY PRODUCT SALES TO A CUSTOMER AT A CUSTOMER TERMINAL - A system for providing supplementary product sales is provided in which a central controller receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted. If the selection signal indicates that the supplementary product is accepted, the central controller adjusts a balance of a financial account in dependence on an adjustment value associated with the supplementary product. | 2012-08-23 |
20120215633 | METHOD AND APPARATUS FOR PROVIDING SUPPLEMENTARY PRODUCT SALES TO A CUSTOMER AT A CUSTOMER TERMINAL - A system for providing supplementary product sales is provided in which a central controller receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted. If the selection signal indicates that the supplementary product is accepted, the central controller adjusts a balance of a financial account in dependence on an adjustment value associated with the supplementary product. | 2012-08-23 |
20120215634 | METHOD AND APPARATUS FOR PROVIDING SUPPLEMENTARY PRODUCT SALES TO A CUSTOMER AT A CUSTOMER TERMINAL - A system for providing supplementary product sales is provided in which a central controller receives a purchase from a card authorization terminal. The purchase includes at least one purchase parameter, such as a customer account identifier, product identifiers for specifying items purchased or product price. The central controller determines a supplementary product to offer that is based on the at least one purchase parameter. A product identifier for specifying the supplementary product is transmitted to the card authorization terminal, where the customer chooses whether to accept the offered supplementary product. The card authorization terminal generates and transmits to the central controller a selection signal indicative of whether the supplementary product is accepted. If the selection signal indicates that the supplementary product is accepted, the central controller adjusts a balance of a financial account in dependence on an adjustment value associated with the supplementary product. | 2012-08-23 |
20120215635 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215636 | FINANCIAL INSTITUTION BYPASS OF DISTRIBUTION CHANNELS - Embodiments of the invention are directed to facilitating a direct purchase of products between a provider and potential customer that bypasses the traditional product distribution channels for a customer purchase, and more particularly embodiments of the invention are directed to methods, apparatuses, and computer program products for providing a financial institution based bypass program that enables bypass of a traditional distribution channel for a customer's product purchase by linking customers of the financial institution with product providers. | 2012-08-23 |
20120215637 | SYSTEM AND METHOD FOR PERFORMING SOCIAL NETWORKING AND LOYALTY PROGRAM FUNCTIONS AT A VENUE - A method and system is provided that permits a user at a venue location to be more effectively engaged by a venue operator. In one example, a user may be permitted to receive awards based on one or more actions performed by the user at a venue location. Other features such as communications using social networks, games, promotions, among others may be provided to enhance the user's experience at the venue. | 2012-08-23 |
20120215638 | PROMOTION INFRASTRUCTURE SUPPORTING PROMOTION LINKS AND CODES - An online sales/automatic rebate and coupon redemption system provides online customers automatic retrieval and redemption of all applicable rebates and coupons during purchase. Purchase orders from customers are selectively fulfilled and products are shipped to the customers either by the system for online sales with automatic rebate and coupon redemption or by other merchant or manufacturer environments. The system purchases from merchants using applicable coupons and rebates and then sells the products to the customers, passing the savings to them. The system makes it possible to automatically retrieve coupons and rebates for items in a shopping cart during the activity of an online purchase at an electronic mall or an online merchant site. The system provides coupons to potential customers via email, based on customer profile, geographical information, etc. Manufacturers and merchants can update coupon value and content based on ongoing sales and volume of customer activity. | 2012-08-23 |
20120215639 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215640 | System for Targeting Advertising to Mobile Communication Facilities Using Third Party Data - A system for targeting advertising content includes the steps of: (a) receiving first and second requests for advertising associated with first and second users, wherein the users are identified; (b) retrieving data pertaining to the users from a data provider; (c) selecting respective advertising content from the first and second sponsors based at least on a determination of relevancy of each advertising content to the data provider's data, wherein the relevancy determination generates respective relevancy scores; (d) determining the advertising content of the first sponsor is more relevant to the first user and the advertising content of the second sponsor is more relevant to the second user based on the respective relevancy scores; and (e) transmitting the advertising content of the first sponsor to the first mobile communication facility for display and transmitting the advertising content of the second sponsor to the second mobile communication facility for display. | 2012-08-23 |
20120215641 | SYSTEM AND METHOD FOR DETERMINING DESTINATION CHARACTERISTICS OF VEHICLE OPERATORS - An intelligent telematics system that estimates an operator's characteristics or predict the operator's probable actions based on information collected at an on-board telematics unit and/or received from online services. The on-board telematics unit collects information for extracting a driving pattern of the operator of a vehicle. Such driving pattern information is processed in conjunction with information related to the operator available from the online services to intelligently predict or estimate the operator's preferences, characteristics or probable actions. The on-board telematics unit provides information or services customized for the operator according to the predicted or estimated preferences, characteristics and probable actions. | 2012-08-23 |
20120215642 | Advertisement Based on Contextual Usage of Application - A device to detect a contextual usage of an application by a user, transmit data of the contextual usage to a second device, and receive an advertisement based on data of the contextual usage from the second device and output the advertisement on an output component of the device. | 2012-08-23 |
20120215643 | METHOD AND PROCESS OF USING A MUSICAL COLLECTIVE TO DETERMINE PREFERENCES OF A SOCIAL GROUP AND TARGET ADVERTISEMENTS BASED UPON THAT GROUP - In various exemplary embodiments, a system and related method of determining group preferences from a group of end-users and targeting an advertisement to the end-users based on the group preferences is provided. The method includes electronically collecting information from electronic devices of the end-users; determining an overall preference of the plurality of end-users based on the collected information; and transmitting an advertisement to the electronic devices of the end-users based on the determination of the overall preference. | 2012-08-23 |
20120215644 | WATER USAGE ANALYSIS FOR ADVERTISING PURPOSES - A particular method includes receiving first data that represents a first aggregate amount of water that is used by a plurality of customers during a first time period. Based on the first aggregate amount of water, a first number of potential television viewers during the first time period may be estimated. The method includes receiving second data that represents a second aggregate amount of water that is used by the plurality of customers during a second time period. Based on the second aggregate amount of water, a second number of potential television viewers during the second time period may be estimated. The estimated first number of potential television viewers and the estimated second number of potential television viewers may be used for advertising purposes (e.g., for adjusting advertising fees). | 2012-08-23 |
20120215645 | ADVERTISEMENT SYSTEM AND METHOD BASED ON TRAFFIC QUALITY - An advertisement system and method based on a traffic quality of a medium are provided. The advertisement system, in which an advertiser selects a medium on which an advertisement of the advertiser is to be displayed, may include an advertisement cost calculating unit to calculate an advertisement cost for the advertisement of the advertiser based on a quality indicator of the selected medium. | 2012-08-23 |
20120215646 | Integration of a Wall-to-Wall Advertising Unit and Digital Media Content - Described are methods and systems for dynamic integration and presentation of advertising content and media content. A server computing device receives a request for media content from a remote computing device, and provides an interactive advertising unit. The interactive advertising unit includes a first content layer including the requested media content, a media player, and website content; a second content layer including the advertising content, wherein the advertising content comprises video content; and an integration module. The integration module is configured to display the video content to match the boundaries of the media player, extend the display area of the video content beyond the boundaries of the media player and underneath the website content of the first content layer, reduce the display area of the video content after a period of time to match the boundaries of the media player, and display the requested media content in the media player. | 2012-08-23 |
20120215647 | SYSTEMS AND METHODS FOR PROMOTING PRODUCTS AND SERVICES - Disclosed are systems and methods for promoting products and services in a retail environment. | 2012-08-23 |
20120215648 | DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS - The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface. | 2012-08-23 |
20120215649 | SYSTEM FOR SECURED TRANSACTIONS OVER A WIRELESS NETWORK - A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user code, and a user wireless device phone number. The method includes: receiving at the transaction server, from the user wireless device which can be a cell phone, an SMS containing a retailer identification; reading at the transaction server the phone number of the wireless device communicated by the carrier transporting the SMS; authentifying the phone number and retailer identification with the stored confidential user information; sending the user confidential information to the retailer POS. The user enters on the POS the user code. The POS reads and authentifies the user code with the user confidential information received from the transaction server. The retailer enters the payment information on the POS and sends it with user information to the transaction server. | 2012-08-23 |
20120215650 | ARCHIVING SYSTEM AND PROCESS FOR TRANSACTION RECORDS - Systems and algorithmic processes directed to a user system, a provider system and a storage system. The provider system receives, from the user system, a request for a transaction to be performed by the provider system. The requested transaction includes a purchase of goods or a conduction of services between a user of the user system and a provider of the provider system. Upon completion of the request, the provider system transmits a record of the transaction to the storage system. The storage system is independent of the user system and the provider system. The record includes details of the transaction including the goods purchased or services conducted between the user and the provider. | 2012-08-23 |
20120215651 | GEOLOCALIZED INFORMATION DISTRIBUTION SYSTEMS AND METHODS - A method of providing published articles linked to geographical locations, the method including the steps of providing to a user a graphical user interface including a representation of a geographic area, providing selectable identifications of one or more remotely published articles relating to locations within the geographic area, receiving a selection of the one or more remotely published articles, facilitating transmission of the one or more remotely published articles to computer-readable memory, and facilitating display of the one or more remotely published articles. | 2012-08-23 |
20120215652 | MARKETPLACE FOR SENSOR DATA FROM MOBILE DEVICES AND ITS ABSTRACTIONS - Systems and methods for the exchange of sensor data and its abstractions include one or more service hubs, including a first service hub. A query input is configured to receive a query that makes requests for sensor data on at least one of the one or more service hubs and receives processed sensor data as a context of at least one user of a mobile device. In response to a request for processed sensor data, the first service hub is configured to request sensor data from one or more mobile devices by sending a request to be scheduled by an application executed on the one or more mobile devices. The first service hub is further configured to process the sensor data and return the processed sensor data to at least one of the query and a higher-level service hub. | 2012-08-23 |
20120215653 | USER-DEFINED CLASSIFIEDS - A system and method for creating and classifying listings within user-defined marketplaces. An information database in communication with an information application comprises a plurality of marketplaces and a plurality of listings respectively classified within the plurality of marketplaces. The marketplaces stored in the information database may be either pre-defined or user-defined. User-defined marketplaces are created based at least in part on information supplied by an access device in communication with the information database. | 2012-08-23 |
20120215654 | Bidder identity encryption for enabling an audit trail - A computer network implemented public auction preserves audit trail data set associated with said auction in a remotely secured storage site which may be accessed by subscribing auction participants in the event auction fraud or collusion is suspected. To insure the authenticity of the stored data set and to verify the identities participating in the auction a unique encrypted identification code is assigned to each bidder after the bidder's identity is verified against public data banks and once so verified is stored in association with the image and/or document record sequences for a period determined by the subscription agreement and/or the relevant statute of limitations period. | 2012-08-23 |
20120215655 | Method for Sorting and Displaying Items in a Virtual Catalog - A computing appliance is provided and includes a processor, an Internet interface, a data store containing virtual catalog items for service through a website, and software executing from a machine-readable physical medium causing the computing appliance to record the number of impressions of each of the items that has occurred over a defined period, record the number of sales of each of items that has occurred over the defined period, calculate the average sales price for each of the items for the defined period, multiply the average sales price by the number of sales calculated previously for each item, divide the total sales figure derived for each item by the total number of impressions calculated for that item over the defined period deriving a revenue contribution value for each item, and in response to a request to display items, serving the items included in the request according to highest revenue contribution value. | 2012-08-23 |
20120215656 | DRAG-AND-DROP INTERNET SHOPPING WITH AN EMBEDDED SHOPPING CART VIEW - A system and method for managing Internet shopping with an embedded shopping cart view are disclosed. A particular embodiment includes providing, by use of a data processor, a user interface to present a list of items to a user in a first display region; present a moveable virtual shopping cart in a second display region concurrently viewable with the first display region, the virtual shopping cart being moveable within the first display region; enable a user to add items from the list of items by drag/drop or click into the virtual shopping cart; and display a summary of items placed in the virtual shopping cart. | 2012-08-23 |
20120215657 | Vendor Selection for Purchase of Resources - A vendor sends, to a host, affiliate links for resources that the vendor is offering for sale and formatting for its on-line order form. The host uses the affiliate links and a vendor selection criterion to select a vendor from which to purchase a customer's desired resource. The host populates, without further customer input, the order form of the selected vendor. The host receives a purchase availability status for the desired resource and, when the desired resource is available, completes the purchase from the selected vendor, without any additional customer input. When the desired resource is unavailable, the host populates an order form of another selected vendor using the respective formatting and completes the purchase without any additional customer input. | 2012-08-23 |
20120215658 | PIN-BASED PAYMENT CONFIRMATION - The present disclosure involves a method of operating a payment platform. The method includes receiving a request to authenticate a first party from a second party. The method includes determining whether the first party has an account with the payment platform and a communications device associated with the account. The method includes generating a secret code in response to the determining. The method includes sending the secret code to the communications device of the first party. The method includes prompting the first party to input the secret code. The method includes authenticating the first party based on the input from the first party. | 2012-08-23 |
20120215659 | Systems and Methods Relating to Bank Transactions, Prepaid Access, Payment Based Promotions, and Payment Networks - A payment network (for example, an open-loop payment network or a closed-loop payment network) is provided and includes systems and methods of payment utilizing bank transactions (e.g., credit based transactions and debit based transactions) and prepaid access. Systems and/or methods are also provided relating to payment based promotions. Additionally, a platform is provided where users can secure terms of use associated with prepaid access, without having to purchase the prepaid access. Further, users can secure custom terms in connection with qualifying bank transactions conducted in the future. | 2012-08-23 |
20120215660 | MULTI-PARTY PAYMENT OBJECT ORIENTED SYSTEM AND METHOD - The present invention involves a server for accommodating multiple e-commerce payments. The server includes a processor with a communications device and software modules. The vendor software module receives payment requirements from a vendor, and also receives payment parameters from an initiator. The payment parameters include an item payment amount and an identification of contributors. The contributor software module obtains payment information from the initiator and/or contributors sufficient to authorize the commitment of funds to a transaction. The aggregation software module sends participation messages to contributors. The participation messages include information on the item, the item payment amount, and directions for the contributor to interact with the contributor module. Further, the aggregation software module maintains a total of committed funds and initiates a payment transaction when the committed funds are sufficient to pay the vendor. | 2012-08-23 |
20120215661 | ASSOCIATING DESCRIPTIVE CONTENT WITH ASSET METADATA OBJECTS - Methods are provided, including a method of associating descriptive content with a set of assets. The method includes determining an asset metadata object, determining descriptive content related to the asset metadata object, and associating the descriptive content with the asset metadata object. | 2012-08-23 |
20120215662 | LICENSE MANAGEMENT SYSTEM, SALES MANAGEMENT APPARATUS, AND LICENSE MANAGEMENT APPARATUS - A disclosed license management system includes a sales management apparatus and a license management apparatus. The sales management apparatus includes a transmission unit that transmits a registration request including configuration information of a group including a combination of plural selected programs; a product registration unit that receives an input of license information corresponding to the group, associates and stores the license information with the group, in a product information storage unit as product information; and a sales management unit that transmits a list of the product information in response to a reception of a purchase request for purchasing the program, the product information being stored in the product information storage unit. The license management apparatus includes a group information storage unit that stores the configuration information included in the registration request. | 2012-08-23 |
20120215663 | SYSTEM AND METHOD FOR PROVIDING A MANAGED GRAPHIC DESIGN COMMUNITY - A system and method for providing a managed graphic design community. The graphic design community including one or more graphic designers can be created in order to design and upload a template within a social network environment. A community management application can be configured in association with a managed service provider in order to receive, analyze and display the template with respect to a customer. An appropriate compensation/payment can be provided with respect to the graphic designer based on a reward provided by the customer in the social network. Such an approach employs an enforcement process to prevent the designers from uploading similar/existing templates in the graphic design community and to protect the templates. | 2012-08-23 |
20120215664 | EPURCHASE MODEL - In various example embodiments, a system and associated method to enhance a user experience in an online environment is provided. In one embodiment, the method includes receiving a request over a network from a user where the request includes keywords to be used in a search for one or more items; the results from the search being displayed in a webpage. A determination is made whether to track metrics related to user activities associated with the results from the search. Based on a determination that the user activities are to be tracked, determining factors based on the tracked metrics related to the user activities, calculating a predictive model using one or more processors based on the determined factors, and displaying an enhanced webpage where components in the enhanced webpage are based on the predictive model. | 2012-08-23 |
20120215665 | METHOD AND SYSTEM FOR DYNAMIC WEB DISPLAY - A system for transacting retrieval of real estate property listing(s) over an information network and dynamically transmitting the listing(s), in near or real time, to one or more banner(s) enabled with dynamic messaging technology residing on an ad server and the banner(s) are posted on one or more Internet urls, comprising a set of real estate property listings maintained in an inventory repository server. A target data set describing one or more such listings for at least one such agent compiled by the database module is retrieved from the an inventory repository server; the listings matching the target data set from the structured database are then identified and retrieved by the banner enabled with dynamic messaging technology and displayed within one or more banners residing on one or more publisher web sites. | 2012-08-23 |
20120215666 | INTERNET BILLING METHOD - Equipment of a provider performs operations including facilitating establishment of first communications between the equipment of the provider and equipment of a purchasing customer to establish a billing arrangement, facilitating establishment of second communications with equipment of a selling vendor to establish a remitting arrangement, enabling the equipment of the purchasing customer to communicate with the equipment of the selling vendor by way of the equipment of the provider, obtaining transactional information relating to a purchase transaction initiated by the equipment purchasing customer, where the purchase transaction results in a billing account of the purchasing customer being charged a first fee, and initiating a remittance of a second fee with the equipment of the selling vendor Additional embodiments are disclosed. | 2012-08-23 |
20120215667 | FEATURE CODES AND BONUSES IN VIRTUAL WORLDS - An Entertainment System including a website, in combination with a commercially purchased product, wherein the system allows a product user to register a primary product online using a registration code, allowing the user access to various activities and scenarios in a “virtual world” including a virtual representation of the product, via a computer connected to the Internet. Additional ancillary products are also provided that may be related to the primary product or the virtual world, with these ancillary products also being provided with one or more codes to provide additional content, bonus items, and/or bonus access in the virtual world. | 2012-08-23 |
20120215668 | SYSTEM AND METHOD FOR DATA MANAGEMENT AND FINANCIAL TRANSACTION CATEGORIZATION - A transaction management system includes a database system configured to receive and store data for a plurality of financial transactions, the data for the plurality of financial transactions being associated with a plurality of financial accounts of a user. The system further includes a server system coupled to the database system and configured to categorize the plurality of financial transactions into a plurality of categories, the categories including merchant categories and payment method categories, the server system being further configured to provide a plurality of user interfaces to the user, each user interface providing a display of a different portion of the plurality of financial transactions, each user interface configured to enable a user to select a link configured to direct the user to an image of a check associated with one of the plurality of financial transactions; and categorize the financial transaction into a one of the merchant categories. | 2012-08-23 |
20120215669 | SYSTEMS METHODS AND COMPUTER PROGRAM PRODUCTS FOR ENCODING AND DECODING TAX RETURN DATA - Tax data, e.g., Form W2 data, is encoded as a two-dimensional machine readable representation, such as a QR CODE. Certain tax data is encoded as segments of a QR CODE, and a tax form generated by an employer or payroll processing service and provided to an employee or user includes the QR CODE representing certain W-2 or other tax data. An image of the QR CODE is acquired using a camera of a mobile communication device or computer or other image capture device. When using a Smartphone, a tax preparation application executing on the Smartphone decodes the QR CODE image to determine the tax data, and populates fields of an electronic tax return with decoded data, thus allowing a consumer to prepare an electronic tax return using a mobile communication device. | 2012-08-23 |
20120215670 | Method, System and Computer Program Product for Processing Tax Notices - A method, system and computer program product includes entering information from a tax notification into a system using a workflow where the system searches a database for a matching company. The system determines a status of the tax notification, generates a template letter to be communicated to the company, and places the tax notification on an active notice listing. An active notification is selected to process using a workflow. A research workflow is selected if research of the active notification is required. The system stores the research results in the database, determines a change in status of the active notification, and generates a template letter to the company. An actuals workflow is selected if payment of penalties and interest or receipt of refund is required. The system presents an abatement workflow when penalties and interest are due and generates template letters to the company of and an agency. | 2012-08-23 |
20120215671 | System and Method for Displaying Market Information and Order Placement in an Electronic Trading Environment - A system and method are provided for displaying a trading screen and placing an order in an electronic trading environment. The system and method may be used to assist a trader in selecting an item of interest, such as the inside market (best bid and best ask) to be displayed relative to a user configured location on the trading screen, such as the center of the trading screen. In a preferred embodiment, the inside market will stay located relative to center of the trading screen and the price levels associated to the inside market will move as the market conditions fluctuate. Other features and advantages are described herein. | 2012-08-23 |
20120215672 | Apparatus and Method for Commodity Trading with Automatic Odd Lot Hedging - Apparatus and method for trading commodities with automatic hedging for odd lot offers. The apparatus automatically accepts odd lot offers on behalf of buyers and aggregates them with other odd lot offers of the same commodity symbol until there are enough bushels to reach a predetermined threshold, or “tipping point,” which causes the system to automatically calculate the optimum number of full lot futures contracts to sell at the market price in order to offset risk associated with accepting the odd lot offers, to automatically secure the optimum number of full lot futures contracts. The system reduces or eliminates situations where no transactions are executed due to the market's failure to reach a certain price, and reduces the buyers' exposure to slippage on accumulated odd lots. | 2012-08-23 |
20120215673 | ELECTRONIC TRADING SYSTEMS AND METHODS - Electronic trading systems and methods provide users with the opportunity to trade financial instruments such as equities, foreign exchange, bonds, and swaps. Swaps may be defined using specialized electronic swap term sheets. A user who proposes a swap may select other users and invite them to bid on the swap. The system may initiate an auction for a proposed swap. Bidding users may bid until the swap auction is complete. The swap may be confirmed, and swap terms downloaded to a user's risk management or back office software. | 2012-08-23 |
20120215674 | 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. | 2012-08-23 |
20120215675 | SYSTEM AND METHOD FOR PRICE-BASED ANNOTATIONS IN AN ELECTRONIC TRADING ENVIRONMENT - A system and method for generating and displaying annotations in relation to one or more prices corresponding to trader-related or market related events are described. In one embodiment, a trader may enter an annotation to be displayed in relation to one or more price levels. Alternatively, a trader may configure a dynamic annotation to be dynamically displayed in relation to some price level(s) upon detecting a predetermined event related to one or more tradeable objects. Also, a trader may configure one or more alarms to be displayed or played in combination with the annotations. | 2012-08-23 |
20120215676 | PRODUCTS AND PROCESSES FOR ORDER DISTRIBUTION - Systems and methods for trading financial instruments through multiple trading intermediaries are described. | 2012-08-23 |
20120215677 | SYSTEM AND METHOD FOR ESTIMATING AND OPTIMIZING TRANSACTION COSTS - A method and system for forecasting the transaction cost of a portfolio trade execution that may be applied to any given trade strategy or an optimal trade strategy that minimizes transaction costs. In preferred embodiments, a server comprises one or more computers that act as an automated forecaster whereby it accepts user-defined input variables from customers and generates a transaction cost estimation report based on those variables. The server is programmed with specific transaction cost estimation and optimization algorithms that model the transaction costs of a specific trade execution based on the user's trading profile and market variables. | 2012-08-23 |
20120215678 | SYSTEM AND METHOD FOR PHYSICALS COMMODITY TRADING - A method and system for an electronic commodities trading marketplace along with ancillary tools provide an electronic trading center for world market commodity importers, exporters, and the intermediaries and processors between them. This trading center is offered through its website centered around a 24-hour exchange that provides trading markets for commodities such as coffee, sugar, cocoa and cotton. The scalable system provides aggregated third party services linked to both front and back office operations. These services can include items such as live futures quotes and real-time news, futures brokerage, banking and finance links and resources, and a suite of applications tailored to members' specific risk-management and end-to-end contract execution needs. The system also provides access to shipping related services such as freight brokerage, direct booking for liner transport, load and discharge supervision and laboratory testing. | 2012-08-23 |
20120215679 | Visual Representation and Configuration of Trading Strategies - A system and method are provided to visually represent and configure trading strategies used in electronic trading. The system and method may be used to visually represent, among other things, an acceptable range of prices for a trading strategy in relation to a graphical user interface. The acceptable range of prices may be input by a trader to limit when one or more orders are moved from one price to another. The acceptable range of prices can be displayed on a graphical user interface using visual indicators. Using the visual indicators, the acceptable range of prices can also be configured and modified by a trader based on the trader's preferences. Other features and advantages are described herein. | 2012-08-23 |
20120215680 | Financial services credit program - Consumers are issued a credit card that is secured by the consumer's vehicle. This new card will combine all the best features and benefits of a traditional credit card, along with the higher loan amounts of a traditional consumer loan and the ease of origination, funding, and security of a car title loan. Additional benefits include open-ended terms instead of traditional fixed installment loan terms, lower monthly payments, higher credit limits, and flexible, revolving lines of credit. No other bank or lender currently issues a credit card secured by a customer's vehicle. While there are a number of banks that offer secured credit cards, none of them are secured with a cardholder's vehicle, and while there are a number of conventional consumer, auto, and car title lenders that make loans secured by a customer's vehicle, none of them issue credit cards. | 2012-08-23 |
20120215681 | SYSTEM AND METHOD FOR PROVIDING PRE-QUALIFIED AND GUARANTEED FINANCIAL PRODUCTS - Techniques for providing pre-qualified and guaranteed financial products are disclosed. In one exemplary embodiment, the techniques may be realized as a computer-implemented method for providing a guaranteed financial product to a customer. The computer-implemented method may include receiving, from a communications device, customer information associated with a user. The computer-implemented method may also include determining, using a financial institution communications device, a credit score and an assessment of the credit-worthiness of the user based on the customer information. The computer-implemented method may further include outputting, to the communications device, the credit score and the assessment of the credit-worthiness of the user. The computer-implemented method may still further include determining, using the financial institution communications device, whether the user is eligible for guaranteed approval for one or more financial products based on the credit score and the assessment of the credit-worthiness of the user. | 2012-08-23 |
20120215682 | METHOD AND APPARATUS FOR REAL TIME ONLINE CREDIT APPROVAL - A system and method are described for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit report having credit report data is obtained from a credit bureau for the applicant. It is then determined whether to accept the applicant using the credit report data and it is communicated to the applicant that the applicant has been approved. | 2012-08-23 |
20120215683 | Transaction Processing And Backup - A system and method of providing uninterrupted transaction processing in the event of a failure or outage at a data center is provided. In some examples, the system or method may include receiving a request for a transaction. In some arrangements, a primary data center for processing that transaction may be identified. If the primary data center is available to process the transaction, the transaction may be processed and data associated with the processed transaction may be transmitted to one or more alternate or secondary data centers. If the primary data center is not available, the transaction may be routed to a secondary data center and processed at that data center. Data associated with the processed transaction may then be transmitted to the primary data center and any other secondary data centers. Accordingly, accurate, near real-time transaction data may be maintained at multiple data centers to permit transaction processing at multiple data centers. | 2012-08-23 |
20120215684 | Usage Payment Collection And Apportionment Platform Apparatuses, Methods And Systems - The USAGE PAYMENT COLLECTION AND APPORTIONMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“UPCAP”) transform content seed selections and recommendations via UPCAP components such as discovery and social influence into events and discovery of other contents for users and revenue for right-holders. In one implementation, the UPCAP may receive from a requestor a payment request for usage of a universally resolvable media content (“URMC”) item and may query a URMC usage database to obtain the URMC item usage metric. In a further implementation, the UPCAP may determine, based on URMC usage payment obligation rules associated with the requestor and the URMC item usage metric, a payment amount owed for usage of the URMC item and may provide the determined payment amount to the requestor. | 2012-08-23 |
20120215685 | SYSTEM AND METHOD FOR TRANSFERRING A LINE OF CREDIT BALANCE TO A CASH ACCOUNT - The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated system ensures that requested funds are available in a customer's one or more lines of credit and electronically deposits the requested funds into one or more designated deposit accounts or payment systems. An automated system provides a means for customers to manage lines of credit, setup transfer transactions, define rules governing transfers and view transactional history. The automated system, in network connection with the lending organization's backend systems, may authenticate customer identities and credit accounts as well as insure that the requested funds are available for transfer into a deposit account. | 2012-08-23 |
20120215686 | METHOD AND SYSTEM FOR ENABLING A USER TO CREATE A DOCUMENT IN A COLLABORATIVE ENVIRONMENT - A method is disclosed for enabling a user to create a document in a collaborative environment, the method comprising including a first user accessing an application for storing a document; the first user drafting a given part of a document which may comprise a plurality of additional parts on an interface displayed to the first user; selecting at least one other user which may add an additional part to the document and transmitting an invitation to the selected at least one other user, the invitation comprising including an object for performing at least one of visualizing a part of the document and adding an additional part to the document. At least one of the visualizing a part of the document and the adding of the additional part of the document may be done for a fee. | 2012-08-23 |
20120215687 | ENTERPRISE RESOURCE PLANNING (ERP) INTEGRATOR SYSTEM AND METHOD - The methods and systems described herein attempt to resolve the deficiencies of the conventional systems by using pre-loaded templates and extracting comprehensively populated payment files in an industry standard format for processing. In one embodiment, a computer-implemented method for generating a payment file comprises receiving, by a computer, a request for a payment to a beneficiary; receiving, by a computer, a selection of the beneficiary for payment; receiving, by a computer, a request to pay the beneficiary using a template; retrieving, by a computer, the template from a database, wherein the template has a plurality of business rules for completing a plurality of data fields; extracting, by a computer, information from a database to complete the data fields of the template; and generating, by a computer, a payment file by completing the data fields of the template according to the plurality of business rules. | 2012-08-23 |
20120215688 | DEMAND DEPOSIT ACCOUNT PAYMENT SYSTEM - A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction. | 2012-08-23 |
20120215689 | AUTOMATED PAYMENT SYSTEM AND METHOD - An automated payment system for processing payment by a customer to a company. The payment system includes a document scanning system which has an input receptacle adapted to accept a document. After receiving an authorization agreement from the customer, the scanner acquires at least one image from the document. Also provided is a first computer adapted to receive images from the document scanning system. Adapted to communicate information represented by the image, a first communication link couples the document scanning system and the first computer. The payment system also includes a second computer adapted to receive images which is in communication with the first computer via a second communication link. The second communication link is adapted to communicate images and payment information. | 2012-08-23 |
20120215690 | METHOD AND APPARATUS FOR FACILITATING PAYMENT VIA MOBILE NETWORKS - A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider. | 2012-08-23 |
20120215691 | SYSTEM AND METHOD FOR PAYMENT TRANSFER - A system and method for payment transfer between a paying party and a recipient party. Optionally and preferably, payment transfer is made by using a prepaid card, which has many security and administrative advantages. Other payment methods may also optionally be used. Also, optionally a plurality of micropayments are provided to a plurality of recipients. The paying party is optionally a media content provider while the recipient party is optionally a user who provides content, although many different combinations of paying/recipient parties may optionally be implemented. | 2012-08-23 |
20120215692 | Method and Apparatus for Allowing Secured Overdrafts of Reloadable Debit Card Accounts - The invention discloses a reloadable debit card which may be overdrawn by authorized merchants thus allowing future and recurring payments to be made via ACH transactions against this debit card. In addition, the cardholder may repay indebtedness simply by depositing funds onto the reloadable debit card. | 2012-08-23 |
20120215693 | METHOD AND SYSTEM FOR MANAGING DATA AND ENABLING PAYMENT TRANSACTIONS BETWEEN MULITPLE ENTITIES - A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing. | 2012-08-23 |