35th week of 2013 patent applcation highlights part 72 |
Patent application number | Title | Published |
20130226694 | ADVERTISER GIFT CARD OFFER FOR FREE VIRTUAL CURRENCY OR DIGITAL PRODUCT OF ONLINE PUBLISHER AT ELECTRONIC PAYMENT PLATFORM - An electronic commerce transaction in which a dealer electronically purchases gift cards of different face amounts from different advertisers using a computer online, each gift card is purchased for a fixed sum equal to a face amount less a discount. The dealer may electronically pay for virtual currency from an online publisher of an online game at a second discount for a second fixed sum in real currency units, the first discount minus the second fixed sum representing the dealer's margin, the virtual currency usable in the online game. The dealer electronically offers to online game users the gift cards stating that if a user purchases electronically from the dealer one of the gift cards the user is then entitled to a preset amount of the virtual currency for the online game. The dealer may offer a similar offer where the free item is an online publisher's product. | 2013-08-29 |
20130226695 | SYSTEMS, METHODS AND COMPUTER-READABLE MEDIA FOR NETWORK PRINTING WITH USER-SELECTABLE OPTIONS - Example embodiments are directed to systems, methods, and computer-readable media for providing a cloud print service, wherein when a user of a terminal device chooses a pay-to-print option, a print service provider is configured to send an uploaded print job to a print apparatus via a public network after receiving monetary payment from the user, and when the user chooses a free-print-with-advertisement option, the print service provider is configured to select a user-targeted advertisement, modify the uploaded print job with the selected user-targeted advertisement, and send the modified print job to the print apparatus via the public network. | 2013-08-29 |
20130226696 | SOCIAL DISCOVERY SYSTEM USING COMPUTING DEVICE PROXIMITY - Technologies for providing a social discovery system enable a user to complement his or her real world activities with online services. For example, the user is associated with a computing device and a user context. A server connected to the computing device determines an offer for a service based on the computing device and the user context. The server may limit the acceptance of the offer to predefined real world physical conditions. The conditions may require the user to accept the offer while being located in proximity of a second user who has received a similar offer. The server receives from the computing device a request accepting the offer and demanding an activation of the service. The server compares the request to the conditions, authenticates the computing device, and activates the service. | 2013-08-29 |
20130226697 | SELECTIVELY PROVIDING CASH-BASED E-COMMERCE TRANSACTIONS - Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, a selection by a purchaser of one or more items is received, one or more characteristics associated with the purchaser are processed to determine a reliability of the purchaser, and an option to provide payment for the one or more items by way of a first payment method in lieu of a second payment method is selectively provided to the purchaser based on the determined reliability, the second payment method corresponding to a payment method requiring the purchaser to provide banking information and the first payment method corresponding to a payment method not requiring the purchaser to provide banking information. Other embodiments of the various aspects include corresponding systems, apparatus, and computer program products. | 2013-08-29 |
20130226698 | SYSTEM, METHOD AND PROGRAM FOR EMBEDDING IN LINE ADVERTISEMENTS DURING A MULTI-FACTOR AUTHENTICATION SESSION - Systems, methods and programs for determining a question posed to a user during a user authentication process are provided. An example of a method for determining the question comprises obtaining user commercial activity, storing the user commercial activity by activity type, generating a set of candidate questions for a user based upon the user commercial activity, each candidate question in the set of candidate questions is associated with a score, selecting one candidate question from the set of the candidate questions based upon a first selection criteria, detecting a vendor placement opportunity in the selected candidate question by analyzing the user commercial activity and adding a vendor name into the selected candidate question based upon the detecting. The user commercial activity can be user purchases of goods and services from corresponding vendors. Lost Opportunities for the placement of an advertisement are detected and recorded. | 2013-08-29 |
20130226699 | METHODS AND SYSTEMS FOR IMPROVED CUSTOMER RELATIONSHIP MANAGEMENT - Disclosed is a comprehensive business-client networking tool designed for any entity with a large consumer base. All customers and employees of the entity may be members of the entity's online community. Each member may have a landing page or “wall” provided online by a secure site, which may present the member's profile, all vendor products owned by the client and a history of any associated services performed by the entity. The customer can communicate via text messaging with the dealership employees that have previously worked with them. Specific messages can be posted on the employee' wall by customers. Customer messages may also be posted on walls of other customer members with common interests, when the entity permits such interactions. These and other disclosed features supplant the need for complex advertisements and campaigning by business entities to their existing consumer base. | 2013-08-29 |
20130226700 | DELIVERY OF A COUPON - A method to deliver a coupon is provided herein. A list of coupon options is provided via a coupon application. A coupon selection is determined from the list of coupon options based on the list of coupon options with at least one coupon option selected. The coupon is obtained based on the coupon selection. | 2013-08-29 |
20130226701 | Method and System for Wireless Message-Based Advertising - Systems and methods for message-based advertising in a wireless communications network are described. A digital message is contained in a data packet set in transit from a terminal of a sender to a terminal of a recipient. At least one of the terminals is implemented as a mobile telephone. The digital message is received through a network connection. A processor determines a context for the digital message and matches the message context to content of advertisements stored in an advertisement database in order to identify at least one relevant advertisement. The data packet set is transmitted to the terminal of the recipient. A processor retrieves the relevant advertisement(s) from the advertisement database and generates a confirmation message containing a delivery status of the data packet set. The confirmation message includes the relevant advertisement and is transmitted to the terminal of the sender. | 2013-08-29 |
20130226702 | CUSTOMER PURCHASE ENCOURAGEMENT SYSTEM AND METHOD - A customer purchase encouragement system including a transaction media reader located in a first retail store, a message database, which stores messages suitable for customers, and a Purchase Triggered Message Selection Module (PTMSM), which receives Purchase Triggered Location Data (PTLD), including the location of the first retail store at which a customer is making a purchase using the transaction media reader, and is operative to select at least one message from the message database and to provide a Proximity-based Selected Message Output (PSMO) enabling presentation of a second-store-purchase encouragement-message to the customer. | 2013-08-29 |
20130226703 | METHODS FOR USING PHYSICAL PRESENCE IDENTIFICATION FOR ADVERTISING WITHIN VIRTUAL SOFTWARE APPLICATIONS AND ON WEB PAGES - A method for selecting and displaying advertisements directed to an individual using a computer. An individual is provided with a non-transitory tangible storage medium with a unique identifier. The individual inputs the storage medium into a local computer. In response, the individual's profile data and current IP address is sent to an advertising server that selects and displays advertisements to the individual based on the profile data and physical location of the individual. | 2013-08-29 |
20130226704 | Consumer Interaction Using Proximity Events - A system adapted to identify and react to proximity events is described. The system includes: a set of sensors, each sensor in the set adapted to transmit a wireless beacon signal, the beacon signal including a sensor ID associated with the sensor; at least one mobile device adapted to receive the wireless beacon signal from the sensor and provide a location of the mobile device; and a server adapted to receive the location of the mobile device and the sensor ID, generate instructions based at least partly on the received information, and send the instructions to the mobile device. | 2013-08-29 |
20130226705 | EXCLUSIVE DELIVERY OF CONTENT WITHIN GEOGRAPHIC AREAS - Application developers can request to have their applications registered for use with a content delivery platform. The operator of the content delivery platform establishes perimeters defining geographic areas, and maintains records reserving particular areas for delivery of content associated with particular sponsors. Registered applications running on mobile devices can request content from the content delivery platform. Based at least in part on the request, the content delivery platform can identify a target location, which may be the location of the mobile device, or some other location indicated in the request. A mobile device can be provided content based on the relationship of the target location to the geographic areas, so that a registered application running on a mobile device with a target location contained within a geographic area assigned to a particular sponsor will receive content related to that sponsor. | 2013-08-29 |
20130226706 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226707 | SYSTEMS AND METHODS FOR INTERACTIVELY DELIVERING ADVERTISEMENT UNITS TO A WEB BROWSER - A system for interactive delivery of advertisement units is disclosed. The system includes a client web browser, an advertisement unit database, and an advertisement unit server element. | 2013-08-29 |
20130226708 | SYSTEM AND METHOD FOR PROVIDING SOFTWARE TOOLS WITHIN AN ONLINE PLATFORM FOR ORGANIZING GROUPS AND COMMUNICATING WITH MEMBER CLIENTS OF GROUP - A system and method for providing software tools within an online platform for organizing groups and facilitating communications among member clients of the groups are disclosed. Sub-groups can be created hierarchically below an umbrella group, where information associated with a sub-group is automatically shared with the umbrella group. A standardized set of tools is provided to facilitate philanthropic efforts by volunteer organizations, groups, companies, schools, and individuals. | 2013-08-29 |
20130226709 | METHODS AND SYSTEMS TO PRESENT NETWORK NOTIFICATIONS IN CONJUNCTION WITH DISPLAY ADVERTISEMENTS - Some embodiments of the present invention provide a mechanism for displaying in conjunction with a display advertisement one or more social network notifications or business network notifications generated from an online or web-based social/business networking service. The social/business network notifications displayed to a particular user generally include content that is associated with persons to whom the particular user is connected via a person-to-person connection established via the social/business networking service, and content that has some nexus to the display advertisement. In some instances, the network notification may relate to an interaction that a user has had with one or more services provided by the business or social networking service. | 2013-08-29 |
20130226710 | AD CREATION INTERFACE FOR AN INTERPERSONAL ELECTRONIC ADVERTISING SYSTEM - An ad creation interface for use in an interpersonal electronic advertising system is described. The ad creation interface is configured to enable an ad suggester to create interpersonal ads for a product or service for provision to an ad recipient. The suggested ad can lead to a purchase of the product or the service by the ad recipient and in response the system can compensate the ad suggester. The ad creation interface allows an individual to create a suggested ad. In particular, via the interface an individual can 1) specify an ad recipient that is to receive the ad, 2) search for and select a suggested ad to send to the recipient and 3) request the system to send the selected suggested ad including a personal message to the ad recipient. | 2013-08-29 |
20130226711 | MONETIZING IMAGES IN PUBLISHING NETWORKS - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for monetizing images in publishing networks. In one aspect, a method includes receiving image data associated with a first user identifier. The image data can define an image that depicts, in part an object associated with an advertiser. A definition of a bounded region in which the object is located can be received, where the bounded region is a sub-portion of the image. The image data can be associated with an advertiser. The image data can be provided for presentation on a user device associated with a second user identifier. Selection data indicating a selection of the image within the sub-portion of the image can be received. In response to receiving the selection data, an account associated with the first user identifier can be credited. | 2013-08-29 |
20130226712 | ASSOCIATING FINANCIAL TRANSACTION WITH ADVERTISEMENT - A method for associating a financial transaction with an electronic advertisement including obtaining unique electronic tokens for each potential financial transaction resulting from an electronic advertisement of an advertiser to consumers; storing the unique electronic tokens as stored tokens associated with the electronic advertisement; transmitting the unique electronic tokens as distributed tokens to the advertiser; receiving at least one of the distributed tokens that has been passed from the advertiser to a consumer in relation to a financial transaction based on the electronic advertisement; and associating each financial transaction identified by the received distributed token with the electronic advertisement identified by the stored tokens, if the received distributed token matches with the stored token. | 2013-08-29 |
20130226713 | BID DISCOUNTING USING EXTERNALITIES - Advertisers provide bids for the placement of one or more advertisements on web pages, along with a set of externalities. The externalities from an advertiser indicate discounts that can be applied to their bid based on information learned from a browse history of a user. The externalities may include externalities based on previous viewings of advertisements from the advertiser by the user, externalities based on previous viewings of advertisements from competitor advertisers viewed by the user, and externalities based on web pages or domains that have been visited by the user. When a request for an advertisement is received, the externalities are used to discount the provided bids based on the browse history of the user. An advertisement is then selected based on the discounted bids. | 2013-08-29 |
20130226714 | METHOD AND APPARATUS FOR QUICK RESPONSE CODES FOR NEGOTIABLE INSTRUMENTS - Various systems and apparatus for using quick response codes on negotiable instruments are described herein. A request may be received at a server from a user device, wherein the webpage request includes a sequence identifier, wherein the sequence identifier is associated with a two-dimensional barcode printed on a negotiable instrument. An advertisement from a plurality of advertisements may be selected based on the sequence identifier in the webpage request. The advertisement may be placed within an advertising portion of a webpage and the webpage may be transmitted to a user device. | 2013-08-29 |
20130226715 | APPARATUS AND METHOD FOR CONTROLLING NAVIGATION TO AN ADVERTISEMENT - An advertisement controlling apparatus includes a display unit to display a content of a program on a display area; a touch input unit to detect a first input on the display area; a determining unit to determine whether the display area comprises an advertisement area, and to determine whether a position of the first input corresponds to the advertisement area; and a processing unit to invalidate a command associated with the first input if the position of the first input corresponds to the advertisement area. An advertisement controlling method including determining, using the processor, whether a display area comprises an advertisement area based on a content for displaying on the display area; deactivating the advertisement area if the display area is determined to comprise the advertisement area; and invalidating a command associated with an input received in the display area if the input is associated with the deactivated advertisement area. | 2013-08-29 |
20130226716 | System and Method for Determining Time and Sequence in Meal Preparation - Disclosed is a system and method for managing ingredients and recipes while providing an interface for consumers to request a meal based on one or more recipes. Additionally, preparation and production steps are defined based on the ingredients of one or more recipes. The time for preparation and production is also calculated and presented. | 2013-08-29 |
20130226717 | SMART PHONE SYSTEM AND METHOD - A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce. | 2013-08-29 |
20130226718 | Automated market cart - A weighing scale, digital control panel and a laser scanner are mounted on each “Automated Market Cart”, and the operation of purchasing items is based in coordinating a store's main Computer data with the weight of any item by means of the use of a weighing scale, digital control panel and a barcode on each item, scanned by the customer. The “Automated Market Cart” gives the customers the ability to purchase anything with minimal human assistance. | 2013-08-29 |
20130226719 | POINT-OF-SALE SAVING AND INVESTING - Various implementations of this disclosure provide apparatuses and methods for establishing, acquiring, or purchasing investment products at a POS. In some implementations, a card may be provided to facilitate the investing or saving at the POS. For example, an investment or saving card may be provided that stores information to facilitate the purchase of stock, bonds, CDs, or commodities or to facilitate the opening of a bank account. A POS terminal is configured to facilitate the purchase of stock, bonds, a CD, or commodities or to open a bank account either directly or indirectly. | 2013-08-29 |
20130226720 | SMART PHONE SYSTEM AND METHOD - A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce. | 2013-08-29 |
20130226721 | METHOD AND APPARATUS ENABLING IMPROVED PROTECTION OF CONSUMER INFORMATION IN ELECTRONIC TRANSACTIONS - According to a commercial method of the present invention, a merchant forwards transaction data to a consumer. If the consumer accepts the transaction, a payment command is forwarded to a service provider. The service provider selectively applies authentication before approving payment. Once payment is approved, the service provider forwards a payment instruction, including consumer account information, to a payment service. The payment service forwards payment to the merchant and a payment confirmation is returned to the service provider and, through the service provider, to the consumer. The service provider stores information about each transaction performed by each subscriber. Consumer identity is protected because it is only exchanged between the service provider and the payment service, and is not made available to the merchant. In addition, the storage of the transaction information by various devices facilitates the return process and adds marketing capability to the service provider. | 2013-08-29 |
20130226722 | SWITCHABLE ACCESS DEVICE AND METHODS - A switchable POS device that can be used to process transactions for multiple merchants. The POS device can be temporarily reconfigured to process transactions for a merchant different from the merchant with whom the POS device is linked. After processing the transaction, the POS device reverts back to processing transactions for its linked merchant. | 2013-08-29 |
20130226723 | Online System and Method for Facilitating Networking Between Buyers and Sellers Within a Specific Industry - A system and method utilizing an online communications network and hardware connecting users in a specific industry with each other for the purposes of facilitating an efficient identification and exchange of relevant goods and services. Industry specific search tools are provided to allow users to quickly delimit an inventory of products and services, thus efficiently locating what they seek. The inventory of products and services is provided by other users who provide the necessary criteria so that search tools can be effective. Additional functionality allows a user to contact another user to request additional information and initiate negotiations wherein a successful transaction may occur either on site or off site. | 2013-08-29 |
20130226724 | METHODS AND SYSTEMS FOR PRICING COST OF EXECUTION OF A PROGRAM IN A PARALLEL PROCESSING ENVIRONMENT AND FOR AUCTIONING COMPUTING RESOURCES FOR EXECUTION OF PROGRAMS - An automated auction-based method of determining price to execute one or more candidate programs on a parallel computing system is disclosed. The parallel computing system includes a plurality of computing resources, each having a price per unit of time. For each candidate program, a plurality of executions are performed using different amounts of computing resources. The number of program outputs completed during each execution is measured. A plurality of bids defining a price for completing a desired number of program outputs in a desired amount of time are received. The amount of computing resources required to fulfill each bid is determined. A price per unit of time for the computing resources for each bid is calculated based on the price associated with the bid and the determined amount of computing resources required to fulfill the bids. The bids are fulfilled based on the calculated price per unit of time. | 2013-08-29 |
20130226725 | RESPONSES TO REQUESTS FOR PROPOSALS - Various embodiments are described relating to systems for responding to RFPs and processes for making the same. The systems can include a container storing multiple recordable media containing information for responding to an RFP. The recordable media can be of different types. The information stored in each recordable media can be the same or only a portion of the information stored in each recordable media can be the same. The container and recordable media can be configured to identify the recipient of the system using, for example, colors, logos, words, structures, or the like (or combinations thereof). | 2013-08-29 |
20130226726 | PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK - Purchasing, redemption and settlement systems and methods are provided to communicate with a buyer to establish a first price for a product. The purchasing system may also arrange for the buyer to take possession of the product at a retailer, different from the seller, that offers the product for sale at a second price. The buyer provides a payment, based on the first price, to the purchasing system in exchange for the right to take possession of the product at the retailer. The purchasing system transmits redemption information to the buyer. The redemption information may include information that enables the creation of a voucher to be used when taking possession of the product. The purchasing system may also receive information related to an attempt by the buyer to take possession of the product from the retailer. | 2013-08-29 |
20130226727 | APPLICATION FOR BUYERS TO OPTIMIZE SAVINGS WHEN SHOPPING FROM MULTIPLE SUPPLIERS - An automated bid management process speeds up the comparison of product pricing from multiple suppliers. The process and system of the present invention can determine the optimal order combination to result in the greatest savings to the buyer. The bid management process allows suppliers to submit their pricing directly into an application. Buyers have the ability to create a personal marketplace within the system and have select suppliers bid for their business. Submitting the orders can be fully automated and the application can provide controls and reporting system to allow full control and personalization of the process. The system and methods can take all the predetermined information in the system, such as minimum orders, delivery data, buyer preferences, and the like, and automatically award the order to the supplier(s) that offer the greatest savings to the buyer. | 2013-08-29 |
20130226728 | Methods and Systems for Personalized Message Delivery - Methods for personalized message delivery are disclosed. In one embodiment, the method comprising the steps of receiving a personalized electronic message, associating the personalized electronic message with a retrieval code, receiving an order for an item corresponding to the personalized electronic message, and sending the retrieval code to a recipient of the ordered item, such that the retrieval code arrives contemporaneously with the ordered item. A notification message may be sent to the sender once the personalized message is received by the recipient. | 2013-08-29 |
20130226729 | SimpleNutrition Nutritional Management System - A nutritional management system which comprises a processor, a memory, a first data store comprising a list of products, universal product codes associated with the products, and nutritional information associated with the products, a second data store comprising a physiological information profile for each of a plurality of different loyalty card users, an application stored in the memory. When executed by the processor the application accesses the second data store to read the physiological information profile of a loyalty card user, analyzes the physiological information profile based on objective nutritional guidelines set forth for physiological characteristics disclosed in the physiological information profile, searches the first data store to find products that satisfy the objective nutritional guidelines, transmits the products, receives a selection of one or more of the products, and promotes generating a personalized shopping list comprising selected products that is based on the physiological information profile. | 2013-08-29 |
20130226730 | GIFT REGISTRY GRAPHICAL USER INTERFACE - In one embodiment, a graphical user interface presents a gift registry having a number of registered products available to purchase through a retailer. The graphical user interface may present a view of information regarding registered products including an image, a description, and a price associated with each registered product. A recommended product may be presented in relation to a registered product, the recommended product selected as being complementary to the registered product. The recommended product information presented may include a product image, a product description and a product selection control. | 2013-08-29 |
20130226731 | Method and Apparatus for Vehicle-Based Data Gathering - A computer implemented method includes accessing a list containing one or more items for purchase. The method further includes receiving a vehicle location. The method also includes searching for one or more stores within a predefined distance of the vehicle location, which sell at least one item from the list, and the prices those stores offer. Additionally, the method includes recommending a stop at at least one of the one or more stores, and providing directions to a store for which a stop was recommended. | 2013-08-29 |
20130226732 | VIEWING SHOPPING INFORMATION ON A NETWORK BASED SOCIAL PLATFORM - A system for viewing shopping information on a social networking platform is disclosed. At the social networking platform, the system receives a request from a user device corresponding to a first user of the social networking platform to view a list of a second user of the social networking platform. The list may include items offered for transaction on a network-based commerce server. In response to receiving the request from the user device, the system forwards the request to the network-based commerce server, and then receives updated information for at least one item on the list from the network-based corner server. Then, the system communicates the updated information received from the network-based commerce server to the user device. | 2013-08-29 |
20130226733 | Content Platform Enabling Content Distribution Through Virtual Goods - Approaches for distributing content produced from a plurality of creative entities by way of collectable virtual goods. At a content platform, tiered pricing data that defines for each of a plurality of content producers a sequence of tiers is stored. Each tier may be associated with a different price and a particular number of virtual goods. The content platform may identify a next available virtual good for purchase from a particular content provider based on how many virtual goods associated with the particular content provider have already been purchased. The visual appearance of the virtual good may be based upon how many virtual goods of the content producer have already been purchased. Upon receiving payment for the virtual good, the content platform provides ownership of the virtual good to the purchaser to entitle the purchaser to receive restricted content provided by the content producer associated with the virtual good. | 2013-08-29 |
20130226734 | PRIVATE EMBEDDED MARKETPLACE - Consistent with some embodiments of the present invention, an online marketplace service includes am embedded marketplace service that enables third-party merchants to quickly and easily leverage the online marketplace to offer marketplace functionality via their respective online retail stores. Each third-party merchant can configure the embedded marketplace service to meet its needs. For instance, with a user interface presenting various configuration options, the third-party merchant can select a variety of seller-specific, item-specific, or product-specific aspects that must be satisfied to have item listings or product listings qualify for presentation via the merchant's online retail store. | 2013-08-29 |
20130226735 | SYSTEM FOR UTILIZING REDEMPTION INFORMATION - A system to determine offers and/or to determine the acceptability of offers based on received information relating to product redemption at a third party. According to one embodiment, the system includes arrangement for a customer to redeem a product from a third party, reception of information relating to a redemption of the product by the customer, reception of an offer to purchase a product for an offer price, determination to accept the offer based on the received information relating to the redemption, determination of an assigned third party at which the offer product may be redeemed based on the received information, and transmission of an acceptance of the offer and an indication of the assigned third party. | 2013-08-29 |
20130226736 | ONLINE TRANSACTIONS USING AN EMBEDDED STOREFRONT WIDGET - A method and system of using widgets embedded in web pages as virtual storefronts is disclosed. A user of a social networking site may create a merchant account with a transaction service provider. The user embeds a storefront widget provided by the transaction service provider in the user's profile page on the social networking site and the user can use the storefront widget to input information about products that the user is selling. Other users of the social networking site view the user's profile page and the storefront widget will display the products that the user is selling. The other users may interact with the storefront widget to purchase the products that the user is selling. | 2013-08-29 |
20130226737 | SYSTEMS AND METHODS FOR PROVIDING PRODUCT INFORMATION - Described herein are systems and methods for providing product information. By way of example, embodiments include computer implemented technologies for delivering information related to building and construction products. Embodiments of the invention have been particularly developed for providing users with access to information including, but not limited to, the likes of fire/acoustic rating information, environmental rating information, and warranty information. Whilst some embodiments will be described herein with particular reference to that application, it will be appreciated that the invention is not limited to such a field of use, and is applicable in broader contexts. | 2013-08-29 |
20130226738 | SYSTEM AND METHOD FOR FLIPPING OF PURCHASE ORDER INTO INVOICE - A system is described for flipping of purchase orders into invoices within an e-procurement software tool. When a purchase order is sent to a supplier network/portal system, information of the items is retrieved from the purchase order, which is stored on a computer readable storage medium of the supplier network/portal system, followed by comparing the item inputs or pre-determined fields on the invoice with purchase orders to obtain a first compared output, followed by comparing the first compared output with a tolerance limit to obtain a second compared output, followed by copying and flipping the information into the invoice. | 2013-08-29 |
20130226739 | Method Of Controlling Product Inventory - A business method and system for executing the method that involves gathering merchandise orders at a show in the home of a hostess. The method compiles the merchandise orders while maintaining a relationship between each individual order and information pertaining to the guest making the order. The guest information maintains an association with the order throughout the method such that each order made at the show may be individually packaged and labeled, obviating the need for the hostess to sort the ordered items upon receiving them from a warehouse. The system stores records of all purchased items and maintains a running inventory of each item, accessible by the consultants so they may warn customers of potentially low inventories. The database also facilitates returns and exchanges of purchased items. | 2013-08-29 |
20130226740 | PRODUCT DELIVERY AUGMENTED WITH ACCOMPANYING VIDEO - A method, system and computer program product for providing product delivery in conjunction with a communications network. The method comprises processing, over the communications network, the purchase of a product by a buyer for delivery to a recipient, receiving, over the communications network, a content generated by the buyer for delivery to a recipient, storing the content in association with a unique identifier, transmitting purchase information of the product, and the unique identifier, to an entity local to the recipient, wherein the entity effectuates delivery of the product and the unique identifier to the recipient and providing the content on the communications network in response to entry of the unique identifier. | 2013-08-29 |
20130226741 | SYSTEM, METHOD AND COMPUTER-READABLE MEDIUM FOR ONLINE MARKETING AND VISUAL PRESENTATIONS OF SOFTWARE PROGRAMS - A graphical user interface (GUI) presents a primary icon in a minimal visual area of a video display screen of a computer. Selecting the primary icon directs the computer to display a line of segments, where each segment associated with one or more software programs or electronic documents. The GUI allows a user to directly access items of visual and/or audio media by selecting one or more documents or software programs associated with a selected segment. The GUI optionally allows selected a line or segment for transmission from the computer to another computer, wherein copies one or more documents or software applications are transmitted to the second computer. | 2013-08-29 |
20130226742 | Continuous Display Shelf Edge Label Device - A method and apparatus for providing information along a shelf edge of a retailer is described. On a display configured to be oriented along an edge of a shelf of a retailer, a first user interface including first information about a first product on the shelf is provided. At least one second user interface including at least one second information about at least one second product on the shelf is provided on the display. An individual is permitted to edit a parameter of the first user interface and/or the at least one second user interface. The parameter may include at least one of: a size of the user interface on the display, a shape of the user interface on the display, and a location of the user interface on the display. The first information and the at least one second information may be outputted concurrently to the display. | 2013-08-29 |
20130226743 | MULTILEVEL SILHOUETTES IN AN ONLINE SHOPPING ENVIRONMENT - Selecting a first silhouette image of an item at a client machine displays a plurality of silhouette images representing aspects of the item such as style, length type and sleeve type. Selecting any of those aspects allows a server to search a database for listings of similar items that have those aspects. Concurrently selecting one or more of the images representing those aspects and one or more sizes, allows a server to search a database for listings of similar items that have those aspects and those sizes. | 2013-08-29 |
20130226744 | SYSTEM AND METHOD FOR CONSTRUCTING AND DISPLAYING ACTIVE VIRTUAL REALITY CYBER MALLS, SHOW ROOMS, GALLERIES, STORES, MUSEUMS, AND OBJECTS WITHIN - A system and method for virtually displaying on-line a gallery, a showroom, a store, a mall or any other room or space and the objects contained in said room or space, wherein the data displayed is comprised of a virtual reality data packet. The system displays still photographs of virtual reality shots and textual materials, and plays virtual reality video clips and audio stories about the room and/or the objects contained therein. Links are associated with each object and are stored external to the virtual reality data packet can be retrieved on demand from an external database for presentation to the viewer. The system also provides on-line controls that enable the viewer to move around the space, and a feature that enables a viewer to view an object from 360° around the object. | 2013-08-29 |
20130226745 | METHOD AND SYSTEM FOR ABUSE PATTERN DETECTION - A method and system for detecting a pattern of abuse receives at an input port supply data associated with a corresponding one of the one or more vehicles. Consumption specification data associated with the one or more vehicles are retrieved from a storage device. The consumption specification data is specified by at least one of a vehicle manufacturer or an authority, e.g. a commercial, governmental or military authority. The method and system provides the supply data to a processing unit over a physical transmission medium to determine a pattern of abuse relative to the consumption specification data. | 2013-08-29 |
20130226746 | ONE WAY SEE-THROUGH SHELF SET PRESENTATION FOR CONVENIENCE STORES - A one-way see-through shelf set presentation for convenience stores is disclosed. According to one embodiment, an apparatus comprises a sheet of plexiglass separating a secure area and an unsecure area in a convenience store. The apparatus further comprises a vinyl film having perforations and having a shelf set image printed on the vinyl film, wherein the vinyl film is attached to the sheet of plexiglass using an adhesive. | 2013-08-29 |
20130226747 | BUSINESS MANAGEMENT DEVICE - The invention provides a system that not only calculates incomes and expenses on a really existing in-house organization (for example, Amoeba (trademark)), but also calculates incomes and expenses on a virtual in-house organization that is predetermined for each product or each service. Compensation-for-cooperation data generating means | 2013-08-29 |
20130226748 | PENALTY AND INTEREST ASSESSMENT DETAIL DISPLAY - Systems and methods are provided for displaying tax penalty and interest assessment calculation details on demand, in real time. In some embodiments, a method includes receiving a request for a penalty and interest assessment value and determining if the request includes a request for calculation details. When the request includes a request for calculation details, the penalty and interest assessment value is calculated using data received with the request. One or more calculation details are populated based on the calculation of the penalty and interest assessment. The method includes displaying the calculated penalty and interest assessment value and the calculation details. | 2013-08-29 |
20130226749 | CENTRALIZED TRANSACTION RECORD STORAGE - Methods and systems according to one or more embodiments are provided for storing online transaction records associated with user-merchant transactions. In an embodiment, a system comprises one or more processors. The system also comprises one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: receive transaction information captured and passed from a client device in response to the client device determining that information or content provided by a merchant server comprises transaction information, wherein the transaction information is associated with a user-merchant transaction; and store the received transaction information in a searchable machine-readable transaction record associated with a user account. | 2013-08-29 |
20130226750 | METHODS AND SYSTEMS FOR MANAGING EMPLOYEE-LIABLE EXPENSES - A method for managing payments made as part of an employee-liable expense reimbursement program is described. A plurality of employees are enrolled in the program and submit requests for reimbursement for expenses related to a service provided to the employees by a service provider for which the employees are liable. The method includes receiving, by the computer system, requests for reimbursement and aggregating the requests for reimbursement scheduled for payment within a predefined time period and associated with the service provider. The method also includes generating an invoice, using the computer system that includes a payment amount to be paid to the first service provider. The method also includes automatically requesting funds from an employer of the plurality of employees for the payment amount included in the invoice and electronically transferring, using the computer system, funds associated with the employer to the service provider. | 2013-08-29 |
20130226751 | METHODS AND SYSTEMS FOR MANAGING EMPLOYEE-LIABLE EXPENSES - A method for managing payments made as part of an employee-liable expense reimbursement program is described. A plurality of employees are enrolled in the program and submit requests for reimbursement for expenses related to a service provided to the employees by a service provider for which the employees are liable. The method includes receiving, by the computer system, requests for reimbursement and aggregating the requests for reimbursement scheduled for payment within a predefined time period and associated with the service provider. The method also includes generating an invoice that includes a payment amount to be paid to the employee for subsequent payment to the service provider. The method also includes automatically requesting funds from an employer of the plurality of employees for the payment amount included in the invoice and electronically transferring funds associated with the employer to the service provider or alternatively, to the employee for subsequent payment to the service provider. | 2013-08-29 |
20130226752 | METHOD FOR CALCULATING BILL FOR USE OF WATER PURIFICATION SYSTEM AND WATER PURIFICATION SYSTEM - To provide a billing method for use of a water purification system that gives incentives for using the water purification system. Such a water purification system is equipped with water purification apparatus having controller and with monitoring server connected to water purification apparatus via public network and having controller. Filtration filter of water purification apparatus has water quality sensor, which measures water quality data of inflow water, and water quality sensor, which measures water quality data of purified water. Water quality data measured by water quality sensors are transmitted to controller and controller. Usage fees for the water purification system are calculated corresponding to improvement rates of water quality, which are calculated based on water quality data of inflow water and water quality data of purified water. | 2013-08-29 |
20130226753 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226754 | APPARATUS AND METHOD FOR REORIENTATION DURING SENSED DROP - An apparatus including at least one vibrator motor for vibrating the apparatus; a controller connected to the at least one vibrator motor; and at least one sensor connected to the controller. The at least one sensor is configured to sense drop motion of the apparatus. The controller is configured to control the at least one vibrator motor to change orientation of the apparatus during a portion of the drop motion. | 2013-08-29 |
20130226755 | SYSTEMS AND METHODS FOR ENCOURAGING PAYMENT CARD USE - A method and an account management computer system programmed to generate a scorecard having at least one target, wherein each target of the at least one target represents a transaction performed by a cardholder. The account management computer system is further programmed to receive account usage information from an interchange network, and determine whether the at least one target has been achieved based on the account usage information. | 2013-08-29 |
20130226756 | SYSTEM FOR DEBT COLLECTION WORKFLOW ADMINISTRATION - A method and a system for debt collection workflow administration for a financial institution are disclosed. The method comprises defining a debt collection workflow for a set of stakeholders each having one or more hierarchy levels. The debt collection workflow defines a plurality of functions to be performed at the one or more hierarchy levels of each stakeholder of the set of stakeholders. Further, the debt collection workflow is based in part on regulatory requirements. The method further comprises administering the one or more hierarchy levels. The administering comprises generating statistic cards comprising debtors' information. The administering further comprises encrypting the statistic cards and providing selective access of the statistic cards to the one or more hierarchy levels of each stakeholder of the set of stakeholders based upon access privileges assigned to the one or more hierarchy levels. | 2013-08-29 |
20130226757 | SYSTEMS AND METHODS FOR LIEN MANAGEMENT - The present disclosure relates to lien management systems, methods and computer program products (collectively “systems”). The various systems are capable of interfacings with client systems (e.g., healthcare provider EMRs and billing systems) to identify and generate lien filings. These lien filings are verified (e.g., the digital documents are digitally signed and/or electronically notarized) and recorded. The systems also provide for lien tracking, notification, payment and release. | 2013-08-29 |
20130226758 | DELIVERING AGGREGATED SOCIAL MEDIA WITH THIRD PARTY APIS - An aggregated social media delivery system is provided. The system includes a social media collector to collect a plurality of social media data snippets in a social media data repository, a media aggregator for merging at least two social media data snippets from the repository into a coherent social media data stream and a media formatter to provide the coherent media data stream in a user accessible format and configured to provide a presentation layer for content, wherein said presentation layer is operable to embed interactive elements that appear on a display, the media formatter also configured for providing the user with the ability to complete a financial transaction associated with the interactive elements. | 2013-08-29 |
20130226759 | TEST TRADING - Disclosed are systems and methods for placing and processing test orders and real orders. | 2013-08-29 |
20130226760 | ELECTRONIC SYSTEMS AND METHODS FOR PROVIDING A TRADING INTERFACE WITH ADVANCED FEATURES - Systems and methods for a trading interface with advanced features are provided. Along with providing the benchmark issue and non-benchmark issues, the trading application may also provide the trader with the ability to obtain trading information (e.g., another quad) for each of the related U.S. Treasury swaps (“T-swaps”), off-the-runs, yield curve T-swaps, and basis. In some embodiments, the trader may be provided with a customized keyboard to navigate through the trading interface. The keyboard preferably includes keys that allow the trader to quickly and efficiently switch between multiple issues in a quad. Using the keyboard, the trader may also be provided with price improvement functionality and direct dealing functionality. In some embodiments, the trading application may simultaneously display a DD ticker along with the trading quadrant that provides the trader with the progression of the direct dealings of the selected issue. | 2013-08-29 |
20130226761 | MARKET-BASED VIEW OF PROBABILITY OF DEFAULT - Systems and methods are provided for providing a credit default futures market. A system providing the credit default futures market includes a processor, memory and an interface. The interface is configured to display credit default futures contracts that subscribe to a set of standard terms and conditions. The processor is configured to settle certain credit futures contracts in kind and other in cash, depending on, at least in part, the maturity date of the futures contract. A method is presented for electronically clearing and settling probability of default futures contracts. | 2013-08-29 |
20130226762 | TRANSFORMATION OF A MULTI-LEG SECURITY DEFINITION FOR CALCULATION OF IMPLIED ORDERS IN AN ELECTRONIC TRADING SYSTEM - An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. New tradable items defined as combinations of other tradable items may be included in the calculation of tradable combinations. A technique is disclosed for transforming a combination or strategy contract with an arbitrary number of buy and sell legs with an arbitrary volume ratio for each leg into a form that can be used for rapid implied order calculations. | 2013-08-29 |
20130226763 | METHOD AND SYSTEM FOR GROUPING AND MARKETING CONSUMER PREMISES EQUIPMENT LOANS - The techniques introduced here provide a variety of systems and methods enabling grouping and marketing of loans for renewable energy consumer premises equipment (CPE). The techniques introduced here include, among other things, using a computer system to group loans granted to a plurality of consumers for financing CPE into one or more financial instruments. Each loan can be secured against one or more of a power proxy, real property, or a specific CPE. The techniques further include grouping, by the computer, the one or more financial instruments into a multi-class security and securing the multi-class security against payment streams for the loans. The multi-class security can be divided by the computer into a plurality of tranches. Further, the techniques introduced here, include selling an ownership interest in the multi-class security to investors via an electronic exchange. | 2013-08-29 |
20130226764 | FPGA MATRIX ARCHITECTURE - High volume data processing systems and methods are provided to enable ultra-low latency processing and distribution of data. The systems and methods can be implemented to service primary trading houses where microsecond delays can significantly impact performance and value. According to one aspect, the systems and methods are configured to process data from a variety of market data sources in a variety of formats, while maintaining target latencies of less than 1 microsecond. A matrix of FPGA nodes is configured to provide ultra-low latencies while enabling deterministic and distributed processing. In some embodiments, the matrix can be to configured to provide consistent latencies even during microburst conditions. Further book building operations (determination of current holdings and assets) can occur under ultra-low latency timing, providing for near instantaneous risk management, management, and execution processes, even under micro-burst conditions. In further embodiments, a FPGA matrix provides a readily expandable and convertible processing platform. | 2013-08-29 |
20130226765 | PLATFORM, SYSTEM AND METHOD FOR DIAMOND TRADING - A platform, system and method are herein provided to enable enhanced stone trading, the system including a stone listings data storage means, at least some of the stones being listed with a stone profile and a sell asking price; a stone buy requests data storage means; at least one pricing server including a pricing algorithm for calculating the real time estimated pricing of the listed stones; and at least one matching server including a matching algorithm for matching stone listings to stone buy requests, at least partially in accordance with the stone profile, asking price, user profile, trading history data, and estimated price, wherein at least one of the stone listing data storage means, stone buy requests data storage means, the pricing server or the matching server are cloud computing compatible. | 2013-08-29 |
20130226766 | RETAIL CONTRACT MATCHING SYSTEM - A matching mechanism for matching entities in an exchange, the entities being based on disparate criteria, the mechanism including a first input from a first set of users adapted to submit to a processor a first criterion from a first set of criteria relevant to the first set of users, which first criterion characterises an entity to be matched. The mechanism including a second input from a second set of users adapted to submit to the processor a second criterion from a second set of criteria relevant to the second set of users, which second criterion characterises another entity to be matched, wherein the first and second criteria are different. The processor is programmed to transform the first criterion into first data of a third criterion, transform the second criterion into second data of the third criterion, compare the first and second data of the third criterion and flag a match between the two entities if the first and second data of the third criteria match. | 2013-08-29 |
20130226767 | FINANCIAL PRODUCTS BASED ON A SERIALIZED INDEX - A method for trading financial instruments includes listing, by an electronic financial exchange, financial instruments that specify which version of a serialized index the financial instrument tracks; receiving, by the electronic financial exchange, an electronic indication to buy or sell the financial instrument; executing, by the electronic financial exchange, a trade involving the financial instrument; and settling the financial instrument according to the version of the serialized index specified by the financial instrument. | 2013-08-29 |
20130226768 | SYSTEMS AND METHODS FOR DISPLAYING OPTIMAL PRICING AND ALLOCATION FOR A SET OF DEBT INSTRUMENTS - A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process. | 2013-08-29 |
20130226769 | SYSTEMS AND METHODS FOR OPTIMAL PRICING AND ALLOCATION WITH CANCELING/MODIFYING OF INDICATIONS OF INTEREST FOR A SET OF EQUITY INSTRUMENTS TO BE OFFERED - A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process. | 2013-08-29 |
20130226770 | SYSTEMS AND METHODS FOR DISPLAYING OPTIMAL PRICING AND ALLOCATION FOR A SET OF EQUITY INSTRUMENTS - A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process. | 2013-08-29 |
20130226771 | COMPLEX TRADING MECHANISM - Various embodiments of the present technology, an apparatus for trading, are described. In various embodiments, the trading apparatus has a trading mechanism including a message space that defines admissible orders. In various embodiments, the trading apparatus supports orders from either multi-unit orders, multi-item orders, or a combination of multi-unit orders and multi-item orders. In various embodiments, said trading apparatus comprises an order receiver for receiving admissible orders from at least one trader i. In various embodiments, said trading apparatus comprises an order storage module for storing said admissible submitted orders. In various embodiments said trading apparatus comprises a trade generator for generating trades based on said admissible submitted orders and said trading mechanism. In one embodiment, prices corresponding to the generated allocations and transfers are not determined exogenously. In various embodiments, said trading apparatus comprises a reporting module for reporting said trades. | 2013-08-29 |
20130226772 | ACQUIRING PEOPLE - Systems and methods include displaying to a user names associated with a plurality of real persons, wherein each person has related thereto a plurality of instruments that can be traded for a price, receiving from the user an order to buy or sell at least one instrument related to a first of the plurality of persons, wherein the order to buy or sell includes a number of instruments to buy or sell; and displaying to the user one or more names of one or more persons for which the user has purchased instruments. | 2013-08-29 |
20130226773 | System and Method For Creating A Market Map In An Electronic Trading Environment - A market map interface displays market information and trader-related information associated with at least two tradable objects. In one embodiment, the at least two graphical interfaces may be linked, and a user may define one or more adjustment parameters to be used to adjust the view of information being displayed via the linked graphical interfaces. For instance, a user may initiate repositioning of one of the linked graphical interfaces, thus, effectively, causing other linked graphical interfaces to be repositioned according to the defined adjustment parameters. | 2013-08-29 |
20130226774 | Method, Apparatus and Article-of-Manufacture for Managing and Supporting Initial Public Offerings and Other Financial Issues - The present invention relates generally to the field of computer-assisted business methods, and to system and articles-of-manufacture for implementing such methods. More particularly, the invention relates to computer-based methods, apparatus and articles-of-manufacture for supporting the coordination, communication, record-keeping, accounting, security and scheduling needs for the syndicate associated with an initial public offering (“IPO”) or other new financial issue. While the invention is exemplified and discussed herein with reference to IPO's, those skilled in the art will appreciate that the present invention is equally applicable to other types of securities and debt instruments, such as preferred stock, corporate bonds, municipal bonds, etc. | 2013-08-29 |
20130226775 | Processing Binary Options in Future Exchange Clearing - Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated, or processed, similar to standard options on a non-tradeable cash-settled underlying futures contract. A hypothetical instrument, referred to as a book instrument is created to facilitate clearing of the binary option. The book instrument has an expiration date after the expiration of the binary option, such as the day after the expiration of the binary option. For each binary option that expires in the money, a transaction is created for the book instrument future. The underlying book future has an assigned price that is a fixed amount less that the final price for the underlying statistical or actual value of the binary option at expiration. Transactions are loaded in the clearing system and processed and all positions are liquidated. | 2013-08-29 |
20130226776 | MANAGEMENT OF BUSINESS PROCESSES - First business process data obtained from a first trading participant includes a set of transaction messages having a first data format in accordance with a first protocol for conducting business transactions used by the first trading participant. A virtual trading participant receives fictitious business process data from the first trading participant and acknowledging the fictitious business process data and replying to the first trading participant that the fictitious business process data has been acknowledged. Operational characteristics and a connectivity of a currently trading participant connected to a process management platform accessible via an interconnection fabric are tested, by utilizing the virtual trading participant to determine if the data defining individual business processes is in a uniform format understood by a process management platform. The virtual trading participant is utilized to ensure compatibility with an identified version of the uniform format. | 2013-08-29 |
20130226777 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR CREDIT CARD PROFITABILITY SCORING - Data is obtained for a plurality of credit accounts for a first predetermined period of time. For each account in the plurality of credit accounts, an expected profitability is calculated based on the data. The expected profitability includes, for each given one of the accounts, an estimated probability of default for a given one of the accounts multiplied by, for each given one of the accounts: the minimum of zero and an increase in balance from scoring to default, in case of a default within a second predetermined period of time; and the maximum of zero and the increase in balance from scoring to default, multiplied by an annual percentage rate, in case of no default within the second predetermined period of time. At least one action is taken based on the expected profitability calculated for the plurality of credit accounts. | 2013-08-29 |
20130226778 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226779 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226780 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226781 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226782 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226783 | SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS - Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data. | 2013-08-29 |
20130226784 | SYSTEM AND METHOD FOR CREDIT BALANCE TRANSFER OFFER OPTIMIZATION - A computer based method for selecting a balance transfer pricing offer for an individual financial account. The method includes selecting a plurality of balance transfer offers, each balance transfer offer comprising balance transfer pricing and duration criteria, executing computer executable instructions comprising one or more predictive models that estimate for the individual financial account and each of the balance transfer offers a plurality of parameters such as a probability of a response as well as a plurality of financial parameters, scoring the estimate of the one or more predictive models to determine an expected financial benefit for each of the balance transfer offers, determining, for the individual financial account, an optimal balance transfer offer among the plurality of the balance transfer offers by way of maximizing the expected financial benefit based on a plurality of constraints, and assigning to the individual financial account the optimal balance transfer offer. | 2013-08-29 |
20130226785 | TAX REFUND LOAN SYSTEM ABSENT IRS AND FMS DEBT INDICATOR - An aspect of the present invention is a tax refund loan or purchasing system for use in making loan or purchase decisions. The system is an integrated computer system capable of receiving, sending, processing, storing, manipulating financial information as part of an overall loan or purchase decision-making system. The system incorporates certain Internal Revenue Service debt information with certain non-Internal Revenue Service debt information in making loan or purchase decisions. | 2013-08-29 |
20130226786 | SYSTEMS AND METHODS FOR ASSET VALUATION - Systems and methods for asset valuation, whole loan processing and inventory management is described. The systems and methods may include modules. An asset valuation tool may use multiple data sources for producing current and predicted future values and historical and intermediate data points on a requested timeline. A loan information pricing tool may perform unlimited volumes of loan program eligibility and multi-variable pricings on a user desktop. A workout activity tracking tool may capture, monitor, measure and report on a loan workout process including direct hosting and integration of the asset valuation tool and the loan information pricing tool. The present invention may offer diverse and competitive modular components as well as an integrated and innovative platform that does not exist in the market. | 2013-08-29 |
20130226787 | METHOD AND APPARATUS FOR DEVELOPMENT AND USE OF A CREDIT SCORE BASED ON SPEND CAPACITY - Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. A SOW score focusing on a consumer's spending capability can he used in the same manner as a credit bureau score. | 2013-08-29 |
20130226788 | Payment Account Management - Disclosed are various embodiments for charging one or more accounts based on user-created business rules for transactions that occur on a master account. The transaction management application identifies the master account associated with the charge request. Once the master account has been identified, the transaction management application determines which of the other accounts to charge or debit for the charge request. | 2013-08-29 |
20130226789 | EMAIL CLIENT MONEY EXCHANGE INTERFACE - Techniques for enabling a user of the email client application to exchange messages related to online transaction accounts are disclosed. An email client application may display a transaction account interface that enables a user of the email client application to send specialized messages related to the user's online transaction account. For example, the specialized messages may include money transfer instructions, money request instructions, and referral messages. | 2013-08-29 |
20130226790 | System and Method for Adding Funds to a Prepaid Account for a Mobile Device Associated with Multiple Communication Profiles - A communication management system receives, from a local cellular network operator, a communication indicating that a payment has been made to the local cellular network operator for a mobile device using a local communication profile. The communication management system identifies, based on the local communication profile, a home communication profile of the mobile device. The home communication profile is associated with a home cellular network operator that is distinct from the local cellular network operator. The communication management system sends, to the home cellular network operator, a request to add funds to a prepaid account that is associated with the home communication profile of the mobile device. | 2013-08-29 |
20130226791 | In-Card Access Control and Monotonic Counters for Offline Payment Processing System - Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each transaction, wherein it is cross-referenced with the account number to ensure presence of the card. Also, every transaction record is signed by an access key resident on the contactless device and certified by a signing key resident on a remote system. Funds may be deposited onto the card when the contactless device creates a deposit request, signs the request using an access key and transmits it to the remote system, which in turn processes the request and certifies it with a signing key. Funds may be withdrawn when the contactless device creates a withdrawal record and signs it using an access key. The remote system verifies the signatures and certifies the records using a signing key when the records are later transmitted. | 2013-08-29 |
20130226792 | SYSTEM AND METHOD FOR PROCESSING PAYMENT DURING AN ELECTRONIC COMMERCE TRANSACTION - A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction. | 2013-08-29 |
20130226793 | METHOD AND APPARATUS FOR AUTHORIZING A PAYMENT VIA A REMOTE DEVICE - A method of and system for authorizing a transaction remotely is disclosed. A customer uses a computer to browse for a product displayed on the internet. The customer may enter a unique number into the computer. The unique number is authorized and an authorization code is sent to the customer's communication device. The customer enters the authorization code into the computer to complete the transaction. | 2013-08-29 |