37th week of 2015 patent applcation highlights part 46 |
Patent application number | Title | Published |
20150254596 | DISTRIBUTING TASKS TO WORKERS IN A CROWD-SOURCING WORKFORCE - One embodiment of the invention disclosed herein provides techniques for distributing tasks to skilled workers participating in a managed crowd-sourcing workforce. A crowd worker routing system receives a request for a task assignment from a first worker participating in the crowd-sourcing workforce. The crowd worker routing system retrieves one or more scores associated with the first worker, wherein each score is related to the performance of the first worker with respect to completing a prior set of task assignments. The crowd worker routing system determines that a first task assignment included in a first set of task assignments is related to a first score included in the one or more scores. The crowd worker routing system determines whether to route the first task assignment to the first worker for completion based on the first score and one or more routing rules. | 2015-09-10 |
20150254597 | Systems and Methods for Project Planning and Management - A project management system manages a project by continuously monitoring each phase of the project to greatly increase the probability that all required deliverables are produced while adhering to project constraints. The project management system tracks and displays the progress being made and the current status of each deliverable in the project to enable users to easily view and understand the overall project progress along with risks and issues associated with the project in one centralized system The project management system also performs project portfolio management by evaluating individual projects based on various business valuation criteria to correlate the impact of the individual projects to the strategic goals of the business. Accordingly, the project management system provides a system enabled centralized governance framework that enables the users to efficiently plan and manage any type of project. | 2015-09-10 |
20150254598 | System for Task Creation in a Project Management Environment - A method of managing a project including identifying a main event relating to the project, the main event having a main event date; storing the main event date, identifying a task relating to the main event, identifying whether the relative due date of the task must be before, after, or concurrent with the main event date, and storing before-after-day-of data, identifying whether the relative due date of the task must be exactly a number of days before or after the main event, at least a number of days before or after the main event, or any time before or after the main event, and storing any-exactly-within data, using the main event date, the before-after-day-of data and the any-exactly-within data to calculate a due date for the task, and recalculating the due date for the task based on a change input by a user to the main event date. | 2015-09-10 |
20150254599 | TIME AND LOCATION MONITORING SYSTEMS AND RELATED METHODS - A system for monitoring a worker's time and location by receiving a scheduled time and location of when and where a worker should begin a working appointment from a scheduler. The system receives a starting geolocation and a starting time associated with when the worker is at the starting geolocation from a client device associated with the worker. The system determines whether the starting geolocation is within a predetermined distance of the scheduled location and/or determines whether the starting time is within a predetermined timeframe of the scheduled time. If the worker is not within a predetermined distance of the scheduled location and/or within a predetermined timeframe of the scheduled time, the system may transmit a notification to a supervisor associated with the worker to indicate that the worker is not within a predetermined distance of the scheduled location and/or within a predetermined timeframe of the scheduled time. | 2015-09-10 |
20150254600 | SYSTEM AND METHOD FOR REAL TIME ASSESSMENT OF CARGO HANDLING - Disclosed herein are a method and a system for real time assessment of cargo handling. The method comprises: receiving a cargo plan for at least one stage of transportation of the cargo; creating at least one first sensor configuration corresponding to the at least one stage of transportation based on the cargo plan; enabling each of at least one first sensor configuration corresponding to the stage of transportation, the at least one first sensor configurations monitoring physical condition of the cargo and the at least one container; receiving dynamic data associated with the cargo and the at least one container; creating at least one context based on analysis of the dynamic data; enabling at least one second sensor configurations based on the at least one context; detecting damage to the cargo and the at least one container based on data received from the at least one second sensor configuration; recommending change in the cargo plan and repackaging of the cargo based on the damage. | 2015-09-10 |
20150254601 | INVENTORY CONTROL FOR NON-REPAIRABLE ITEMS BASED ON PROGNOSTICS AND HEALTH MONITORING DATA - In an improved inventory control policy and associated data processing system, effective inventory level is compared with a variable reorder point, R(t). When the effective stock is lower than the reorder point R, a new order of Q units is placed. Also, the lot size is optimized for each order. Parameters R and Q are continuously updated based on Remaining Useful Life (RUL) estimations obtained from a Prognostics and Health Monitoring (PHM) system. | 2015-09-10 |
20150254602 | METHOD AND DEVICE FOR ORGANSING AT LEAST ONE OBJECT - The invention relates to a device, in particular for an animal space facility or a plant laboratory facility (for example according to WO 2011/124 209 with a changing station) or a warehouse which is suitable for performing a method for the organisation of at least one object, with a rack or a cage arrangement with an operating side, with containers or cages which contain at least one object, with a device for recording the containers in the rack and with a computer unit for storing and processing of data, wherein the recording device is equipped and configured to record the location of one or more containers in the rack. Furthermore, the invention comprises a method for the process tracking of operations and/or services relating to at least one object, in particular in an animal space facility or a plant laboratory facility with a rack with containers arranged therein, which contain the object (or objects) and with a database holding data relating to the containers or their contents. | 2015-09-10 |
20150254603 | STORAGE CONTAINER WITH INVENTORY CONTROL - Systems and methods of the invention relate to managing an inventory of items within a storage container. A storage container can house one or more items for distribution among one or more users such as, for instance, employees. The storage container discussed herein provides authentication of a user, tracking of the inventory each user removes or returns, video/image capture of user during access of the storage container, wireless tracking of items housed within the storage container, among others. | 2015-09-10 |
20150254604 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING REAL-TIME VALIDATION OF CONTAINER LOADING AND POSITIONING DATA - Various embodiments provide systems, methods, and computer program products for providing dynamic real-time verification and validation of data associated with the receiving, loading, and positioning of a plurality of containers upon a transport vehicle. One or more computer processors are configured to: receive actual load data associated with at least one container; retrieve at least a portion of expected load data associated with the container for which actual load data has been received; verify the actual weight of the one of the plurality of packages and in response to a successful verification identifying no load weight discrepancies, validate the actual load position of the one of the plurality of packages. In response to a successful validation, at least one communication configured to facilitate at least one of further loading of the plurality of packages may be generated. If validation is unsuccessful, further loading may be prevented. | 2015-09-10 |
20150254605 | METHODS FOR SHIPPING ELEMENT PROCESSING - Methods useful for processing shipping elements such as boxes, envelopes, and transport devices during transfer. In one embodiment, the shipping element contains an item being shipped by a user, and the method includes providing the user access to a computerized user interface by which at least information relating to the shipping element can be remotely obtained by the user. During at least one point during shipping, the shipping element is evaluated with respect to at least one physical parameter, and the user is informed via the user interface as to a status or condition of the at least one physical parameter. In another embodiment, a radio-frequency device is inserted into the shipping element along with a user item to be shipped, and the device is used as a basis for the remote provision of information relating to the shipping element during at least a portion of the shipping. | 2015-09-10 |
20150254606 | LONG-DISTANCE, AUTOMATED EVENT DETECTION - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for detecting events occurring to an article at a remote location using low-power event detection circuitry and transmission of event detection messages over a network. | 2015-09-10 |
20150254607 | PORTABLE RFID READING TERMINAL WITH VISUAL INDICATION OF SCAN TRACE - A portable radio-frequency identifier (RFID) reading terminal can comprise a microprocessor, a memory, an RFID reading device, and a display. The portable RFID reading terminal can be configured to display a scan trace provided by a line comprising a plurality of time varying points. Each point can be defined by a projection of a radio frequency (RF) signal coverage shape of the RFID reading device onto a chosen plane at a given moment in time. | 2015-09-10 |
20150254608 | ROUTE PLANNING USING PARKING RESERVATIONS - Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for planning or updating a delivery route based at least in part on a parking reservation and/or projected parking availability. One embodiment provides a method for planning a delivery route comprising storing stop locations in association with parking information, wherein the parking information associated with a stop location indicates if a parking reservation should be requested for the stop location; identifying a stop location based at least in part on a delivery location associated with an item to be delivered to the delivery location; determining whether the parking information associated with the identified stop location indicates that a parking reservation should be requested for the identified stop location; and responsive to determining that a parking reservation should be requested for the identified stop location, generating a parking reservation request for use during the delivery of the item. | 2015-09-10 |
20150254609 | ROUTE PLANNING USING PARKING RESERVATIONS - Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for planning or updating a delivery route based at least in part on a parking reservation and/or projected parking availability. One embodiment provides a method for planning a delivery route comprising storing stop locations in association with parking information, wherein the parking information associated with a stop location indicates if a parking reservation should be requested for the stop location; identifying a stop location based at least in part on a delivery location associated with an item to be delivered to the delivery location; determining whether the parking information associated with the identified stop location indicates that a parking reservation should be requested for the identified stop location; and responsive to determining that a parking reservation should be requested for the identified stop location, generating a parking reservation request for use during the delivery of the item. | 2015-09-10 |
20150254610 | ROUTE PLANNING USING PARKING RESERVATIONS - Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for planning or updating a delivery route based at least in part on a parking reservation and/or projected parking availability. One embodiment provides a method for planning a delivery route comprising storing stop locations in association with parking information, wherein the parking information associated with a stop location indicates if a parking reservation should be requested for the stop location; identifying a stop location based at least in part on a delivery location associated with an item to be delivered to the delivery location; determining whether the parking information associated with the identified stop location indicates that a parking reservation should be requested for the identified stop location; and responsive to determining that a parking reservation should be requested for the identified stop location, generating a parking reservation request for use during the delivery of the item. | 2015-09-10 |
20150254611 | ROUTE PLANNING USING PARKING RESERVATIONS - Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for planning or updating a delivery route based at least in part on a parking reservation and/or projected parking availability. One embodiment provides a method for planning a delivery route comprising storing stop locations in association with parking information, wherein the parking information associated with a stop location indicates if a parking reservation should be requested for the stop location; identifying a stop location based at least in part on a delivery location associated with an item to be delivered to the delivery location; determining whether the parking information associated with the identified stop location indicates that a parking reservation should be requested for the identified stop location; and responsive to determining that a parking reservation should be requested for the identified stop location, generating a parking reservation request for use during the delivery of the item. | 2015-09-10 |
20150254612 | SYSTEM AND METHOD FOR CONTROLLING SALE OF A COMPANY - A computerized system and method for controlling sale of a company comprising identifying a target company sale value on a dashboard, identifying a current company value on the dashboard based on an Earnings Before Interest Taxes Depreciation and Amortization (EBITDA) analysis, assigning tasks for reducing a difference between the target company sale value and the current company value, displaying on the dashboard a reduction between the target company sale value and the current company value, and authorizing sale of the company when the target company sale value equals a current company value. An adjusted company value can be calculated based on additions and deductions. A current company value can be calculated as a product of the adjusted company value and a multiplier. A difference between the target company sale value and the current company value can be reduced by completing tasks contained within a plurality of checklists. | 2015-09-10 |
20150254613 | CLOSED LOOP REFRIGERANT RECYCLING METHOD - A central recycling system manages refrigerant recycling by storing parameters describing a financial contribution from at least one participating entity to an incentive fund, receiving data about a used refrigerant-based appliance surrendered by a consumer, receiving data about disassembly of the used refrigerant-based appliance including recovery of refrigerant, receiving data about a recycling process applied to the recovered refrigerant, and determining a point of sale value associated with recycling the used refrigerant-based appliance based on the received data and the stored parameters. The recycling includes at least one of reclaiming and destroying the recovered refrigerant. | 2015-09-10 |
20150254614 | Computerized Money Transfer System and Method - A plurality of agent terminals operable by agents of the money transfer service are interconnected by a communications network. A money transfer control system is connected to the communications network for controlling the implementation of the money transfer service. The money transfer control system includes an agent account data store storing account data for each agent and a transaction data store storing transaction data for transactions by agents implementing money transfers from a sending entity to at least one receiving entity. | 2015-09-10 |
20150254615 | SYSTEM AND METHOD FOR PROVIDING MERCHANT LOYALTY REWARDS - A computer-implemented system and method for processing an electronic payment that is initiated in response to a primary financial transaction between a first entity and a second entity. A computer is configured to receive electronic digital information relating to a primary financial transaction between the first entity and the second entity. A non-transitory computer readable electronic storage medium in operable communication with said computer is configured to store at least one customizable business rule associated with the electronic digital information, wherein the at least one customizable business rule includes a merchant loyalty reward. A transaction processor is in operable communication with at least one of the computer and electronic storage medium that is configured to determine all products purchased by the first entity from the electronic digital information; and determine, based on the electronic digital information, whether the merchant loyalty reward business rule applies. | 2015-09-10 |
20150254616 | SYSTEM AND METHOD FOR MANAGING A DISTRIBUTION NETWORK OF INVESTMENT MONEY - This disclosure relates to a system and method for managing a distribution channel of investment money of a customer, which includes a plurality of modules systematically disposed in a communication pipeline of an IM managing backbone server, so that when an IM rebalancing opportunity situation occurs, a plurality of units, possessed by a customer, is guided to form a set of IM rebalancing distribution channel networks where the units are densely connected each other like a mesh, so that a customer or 1M management company may not simplify but diversify rebalancing paths of IPs or IP portfolio into various patterns and therefore effectively enjoy resultant economic benefits. | 2015-09-10 |
20150254617 | METHODS, SYSTEMS, AND DEVICES TO DYNAMICALLY CUSTOMIZE ELECTRONIC BILL PRESENTMENT AND PAYMENT WORKFLOWS - Embodiments of systems, methods and devices for electronic bill presentment and payment are disclosed. Such embodiments include receiving one or more instructions from a biller at a remote computer server. Further, the remote computer server implements an electronic bill presentment and payment (EBPP) workflow configuration module and provisions, using the EBPP workflow configuration module, one or more configuration parameters for the biller based on the one or more received instructions. In addition, embodiments include configuring, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module. The configuring of the EBPP workflow includes generating a state machine implementing the EBPP workflow. Moreover, embodiments include configuring one or more business logic scripts by the EBPP workflow configuration module to implement the EBPP workflow as well as configuring one or more view templates by the EBPP workflow configuration module to implement the EBPP workflow. | 2015-09-10 |
20150254618 | Method for Facilitating Live Stream Feeds of Remote Locations, Events or Products, in a Social, Virtual Travel, or Business Setting - A method for facilitating live feed streams of remote locations by communicably connecting a first electronic streaming device to a second electronic streaming device through a back-end system. A client user account is operated on the first electronic streaming device, while a streaming account is operated on the second electronic streaming device. A plurality of streaming events is displayed through the client user account, wherein a streaming selection can be made and an event appointment scheduled between the client user account and the streaming account. At the time of the event appointment, the client user account is communicably connected to the streaming account through the first electronic streaming device and the second electronic streaming device. A live stream video feed is then transmitted from the streaming account to the client user account, wherein the live stream video feed is viewed on the first electronic streaming device. | 2015-09-10 |
20150254619 | DATA RECOVERY PRICING METHOD AND DATA BACKUP AND RECOVERY METHOD - A method for pricing data recovery for a sequence of time periods based on an estimate of the amount of data that will be recovered. For the first period, the price is the backup capacity times a price rate times an assumed recovery rate, which is a pre-determined number. For subsequent periods, the price is the backup capacity times the price rate times the actual amount of data recovered in the prior time period. The method also includes a data backup and recovery method using the data recovery pricing method, which provides tracker software to measure the amount of data recovered. | 2015-09-10 |
20150254620 | SALE ARTICLE SETTLEMENT TERMINAL AND PRODUCT TIME LIMIT NOTIFICATION SYSTEM - According to an embodiment, there is provided a sale article settlement terminal including a temporary data storage unit that temporarily stores payment target product information, which is extracted from sale product information, and payment target customer information which is extracted from the sale customer information; a purchase price calculation unit that calculates settlement price of the payment target product which is stored in the temporary data storage unit; a transaction data preparing unit that prepares transaction data which is trading data including product time limit data of the payment target product; and a transaction data numbering unit that performs numbering of the prepared transaction data. | 2015-09-10 |
20150254621 | SETTLEMENT TERMINAL DEVICE - A settlement terminal device of this disclosure includes a settlement processing unit that performs a settlement process and a power supply unit that supplies power stored in a battery to the settlement processing unit. The settlement processing unit detects in advance a state where a battery residual capacity is equal to or less than a predetermined value when performing the settlement process, and sets a first detection threshold value for a first settlement mode requiring a first power consumption level which is greater than a second detection threshold value for a second settlement mode requiring a second power consumption level which is lower than the first power consumption level. | 2015-09-10 |
20150254622 | PAYMENT TERMINAL APPARATUS - An operating system sets a secured flag to “True”, and changes to a secured mode. An operation to light an LED display is performed, and letters “SECURED” are displayed. A screen UI application displays a message for encouraging a user to input PIN and a PIN pad on a touch panel. A touch panel input/output execution control unit inputs the PIN on the touch panel through a touch panel driver. When the PIN is input, the operating system sets the secured flag to “False”, and changes to a non-secured mode. An operation to extinguish the LED display is performed. When a non-secured part is included, it is possible to ensure tamper resistance for securing information security, and it is possible to safely perform a certification process, a payment process, or the like with fewer mistakes of a user. | 2015-09-10 |
20150254623 | System for Point of Sale Data Capture, Reporting and Analysis for the Auditing of Sales Taxes - The present disclosure relates to a system for automatically forwarding retail sales transaction information and corresponding sales tax data from individual retailers to a centrally located remote location for auditing tax. More particularly, this invention relates to a system and method for ensuring that substantially all retail transactions upon which sales tax is collected are reported. Further the device or service creates a lottery number that is stored alongside the data collected for the transaction and sends this lottery number, along with additional auxiliary information and forwards the data to a printer. | 2015-09-10 |
20150254624 | SETTLEMENT TERMINAL DEVICE AND SETTLEMENT PROCESS METHOD USING THE SAME - Provided is a settlement terminal device including a plurality of information processing units. The settlement terminal device includes a first information processing unit, a secure second information processing unit, and an orientation detection unit which detects a direction of the settlement terminal device with respect to gravity. The first information processing unit reflects a detection result of the orientation detection unit on an orientation of a first display content displayed on the first display unit, and the second information processing unit determines whether or not to reflect the detection result of the orientation detection unit on an orientation of a second display content, in accordance with the second display content displayed on the second display unit. Thereby, a settlement terminal device capable of easily performing an input operation and display confirmation in a settlement process is provided. | 2015-09-10 |
20150254625 | SYSTEM AND METHOD FOR PROVIDING DRINKING WATER - Disclosed is a system and method for providing an in-room drinking water service at a hotel. The system includes a plurality of drinking water dispensers provided in guest rooms of the hotel. The system further includes a computer program running on one or more computers of the hotel and configured to manage the in-room drinking water service. In the system and method, when providing of the service in a particular guest room is confirmed, the computer program coordinates charging a fee to an account of the particular guest room for the service. | 2015-09-10 |
20150254626 | TERMINAL-BASED SETTLEMENT METHOD, APPARATUS AND SYSTEM - A terminal-based settlement method is provided. The method includes a settlement apparatus scanning tag information of an item to be purchased and obtaining item information of the item to be purchased, where the item information includes a unique identifier and price information of the item. The method also includes the settlement apparatus generating a graphic barcode based on the unique identifier and the price information of the item. Further, the method includes the settlement apparatus receiving a settlement request for the item sent from a user terminal after the user terminal obtains the item information of the item to be purchased by scanning the graphic barcode and performing a settlement management operation based on the settlement request. | 2015-09-10 |
20150254627 | Quick Legend Receipt System - Techniques are disclosed for enabling more efficient tipping by providing a merchant the ability to reduce the time used on manually entering tip amounts. In one embodiment, a method includes automatically generating, by a point-of-sale (POS) system, a transaction receipt that indicates a plurality of selectable tip options, wherein said automatically generating the transaction receipt is based on one or more rules specified by a user of the POS system. The method further includes causing the transaction receipt to be printed as a printed receipt. The method further includes identifying, by the POS system, a one of the plurality of selectable tip options specified by a customer on the printed receipt. Among other benefits, the disclosed techniques reduce the time and effort the merchant needs to spend on collating the tipping at end of the business day. | 2015-09-10 |
20150254628 | Quick Legend Receipt System - Techniques are disclosed for enabling more efficient tipping by providing ways to enable a customer to tell a merchant's point-of-sale (POS) system how to customize sales receipts to the customer's preference. In one embodiment, a mobile device includes a communication module and a tipping preference module configured to communicate, via the communication module, a tip preference including one or more rules configured by a user to a point-of-sale (POS) system. The tip preference adjusts how the POS system generates a plurality of selectable tip options for inclusion in a section of a transaction receipt for a transaction. Among other benefits, the disclosed techniques increase the efficiency in tipping, reduce the chances for error, and enable a better overall shopping experience. | 2015-09-10 |
20150254629 | SYSTEM AND METHOD FOR EXTRACTING VALUE FOR CONSUMERS AND INSTITUTIONS FROM DEPTH OF RELATIONSHIPS - A consumer financial transaction system is provided by a lending institution enabling a consumer to make transactions via a transaction device. The system includes a database storage device for maintaining a plurality of databases configured to store information corresponding to both credit and deposit accounts held by each of the consumers with the lending institution. A server maintains a secondary transaction module configured to apportion a withdrawal for a transaction among a consumer's credit account and any other one of the consumer's credit accounts and any of the consumer's deposit accounts maintained by the consumer with the lending institution. | 2015-09-10 |
20150254630 | SYSTEMS AND METHODS FOR MOBILE DEVICE PURCHASE FLOWS - This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server. | 2015-09-10 |
20150254631 | AUTHENTICATION METHOD AND SYSTEM - Provide herein is a method and system capable of authenticating transactions involving at least one service provider and one or more users who are each in electronic communication. This electronic communication can be, for example, SMS, MMS, e-mail, or online account messaging. It is an aspect of certain embodiments where the transaction is an authentication and/or verification of an entity. Examples of such entities are products, actions and users. | 2015-09-10 |
20150254632 | MOBILE PAYMENT SERVICE SYSTEM AND DEVICE THEREFOR - The present invention provides a mobile payment service system and a device therefor. A terminal device is connected to a beacon device that is positioned in a store and performs Bluetooth communication, additional service information according to the mobile payment is automatically transmitted to a payment device through the beacon device, and then process result information of the additional mobile payment service processed using additional service information is received from the payment device. Therefore, it is possible to provide the additional mobile payment service for the product to be bought when mobile payment is performed. Accordingly, there is no need to perform an additional mobile payment service such as discounts/saving for a product based on users' actions and it allows users to address an inconvenience of directly presenting an alliance company card, a coupon or a gift certificate for discounts/saving for a product when payment is performed. | 2015-09-10 |
20150254633 | RECEIPT PRODUCTION SYSTEM, PRINTER, AND RECEIPT PRODUCTION METHOD - A printer for outputting receipts enables easily producing receipts for mobile payments. | 2015-09-10 |
20150254634 | METHOD AND SYSTEM FOR MOBILE BANKING USING A SERVER - A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server. | 2015-09-10 |
20150254635 | LIMITING THE USE OF A TOKEN BASED ON A USER LOCATION - Systems, methods, and computer program products for limiting the use of a token based on a user location are provided. Embodiments of the invention involve a memory device; and a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive a payment authorization request associated with a transaction from a merchant, wherein the payment authorization request comprises a transaction information, wherein the transaction is conducted using a token between a user and a merchant; determine a response associated with the payment authorization request based on one or more limits, wherein the one or more limits are based on at least a user location; and transmit the response associated with the payment authorization request to the merchant. | 2015-09-10 |
20150254636 | METHOD AND APPARATUS FOR PROVIDING MOBILE PAYMENT - Provided are a method and an electronic device for recommending a form of payment to be used by a user when a mobile payment is made. The method includes determining, by an electronic device, whether the electronic device is located at a specific payment place; displaying, by the electronic device, a form of payment corresponding to the payment place on a predetermined area of a screen when the electronic device is determined to be located at the payment place; and performing, by the electronic device, a mobile payment when the displayed form of payment is selected. | 2015-09-10 |
20150254637 | MOBILE PAYMENT METHOD - A mobile payment method is to be implemented by a transaction device, and includes: receiving payment information, transmitting the payment information to a payment institution server, providing the payment information to a payment device, and receiving a payment result. The payment device is enabled to generate a payment request when the payment institution server determines that the payment information received from the payment device conforms to the payment information received from the transaction device, and to transmit the payment request to the payment institution server for subsequent processing of the payment according to the payment information included in the payment request. | 2015-09-10 |
20150254638 | ONLINE BANKING DIGITAL WALLET MANAGEMENT - Embodiments are directed to digital wallet management. Embodiments initiate presentation of a digital wallet management interface, comprising initiating presentation of at least one digital wallet; and initiating presentation of at least one representation of at least one payment credential and at least one indication of which of the at least one digital wallets are associated with each of the at least one payment credentials. | 2015-09-10 |
20150254639 | TRANSACTIONS UTILIZING MULTIPLE DIGITAL WALLETS - First and second wallet form data are transmitted to a mobile device. The first and second wallet form data indicate funding account options respectively available from two different digital wallets. The user of the mobile device may split funding for a transaction between an account selected from the first digital wallet and an account selected from the second digital wallet. | 2015-09-10 |
20150254640 | METHOD AND APPARATUS FOR DIGITAL CURRENCY PAPER WALLET - Technology is disclosed for a standalone digital currency wallet generator for improved security. The digital currency wallet generator includes a print button, a processor and an internal printer. The print button generates a print signal in response to a user activating the print button. The processor generates a private key and a public key in response to the print signal, without any input signal received outside of the digital currency wallet generator. The private key and the public key form a digital currency wallet. The internal printer prints out a paper wallet. The paper wallet including information of the public key and the private key. | 2015-09-10 |
20150254641 | MOBILE DEVICE CREDENTIAL EXPOSURE REDUCTION - Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with the apparatus has been detected; determine that the apparatus has at least one associated payment credential; and, in response to determining the potential exposure has been detected and determining that the apparatus has at least one associated payment credential, deactivating the at least one payment credential. | 2015-09-10 |
20150254642 | DIGITAL WALLET EXPOSURE REDUCTION - Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with a first payment credential associated with a digital wallet has been detected; determine that the digital wallet has at least one additional associated payment credential; and, in response to determining the potential exposure has been detected and determining that the digital wallet has at least one additional associated payment credential, initiate at least one exposure reduction measure intended to reduce potential exposure to the at least one additional associated payment credential. | 2015-09-10 |
20150254643 | CUSTOMER TOKEN PREFERENCES INTERFACE - Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential. | 2015-09-10 |
20150254644 | CREDENTIAL PAYMENT OBLIGATION VISIBILITY - Embodiments are directed to payment credential management. Embodiments determine one or more payment obligations associated with a payment credential; initiate presentation of a payment credential management interface, including initiating presentation of a representation of the payment credential; and initiating presentation of the one or more payment obligations associated with the payment credential. | 2015-09-10 |
20150254645 | PROVIDING SUPPLEMENTAL ACCOUNT INFORMATION IN DIGITAL WALLETS - Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to receive supplemental account information related to an account payment credential associated with a digital wallet; authenticate the user's identity based at least partially on one or more authentication credentials by verifying the user is an account holder associated with the account; in response to authenticating the user's identity, receive access to an application programming interface configured to push supplemental account information to digital wallets associated with the payment credential; receive, via the application programming interface from the at least one database, supplemental information related to the payment credential; and present, on a display of the mobile device, the supplemental information related to the payment credential. | 2015-09-10 |
20150254646 | RESTORING OR REISSUING OF A TOKEN BASED ON USER AUTHENTICATION - Embodiments described herein relate to an invention for restoring a modified token or reissuing an unfettered token for use in a financial transaction. The systems, methods, and computer program products are configured to: (a) provide to a user a notification indicating a fettered token was generated for a payment vehicle or a token associated with the payment vehicle was modified based at least partially on identifying a potential exposure to loss associated with a financial transaction involving the payment vehicle; (b) receive, from the user, authentication information, wherein the authentication information is useable to authenticate the financial transaction and/or to authenticate the user; and (c) determine whether or not to restore the token associated with the payment vehicle that was modified or to generate an unfettered token and associate the unfettered token with the payment vehicle based at least partially on the authentication information. | 2015-09-10 |
20150254647 | FLEXIBLE FUNDING ACCOUNT TOKEN ASSOCIATIONS - Embodiments for flexible funding of tokens include systems and methods for generating tokens and associating the tokens with an account. The systems allow the user to select the token for a transaction. The systems further receive transaction data associated with the transaction and compare the transaction data with token parameters. | 2015-09-10 |
20150254648 | MANAGED DIGITAL WALLETS - Embodiments of the present invention disclose utilizing a token associated with a payment device to enter into transactions. In some embodiments the token is associated directly with a payment device, while in other embodiments the token may be associated with a digital wallet that is associated with the payment device. Particularly, embodiments of the present invention may create a managed digital wallet for a client. A client may then designate individuals to participate in the wallet as an administrator and/or as a user. The present invention may allow a client to control the purchases of a user of the account using the token through the use of limits. Each of the users associated with the account may be assigned one or more individual tokens to use with the digital wallet to enter into transactions instead of using the actual account information of accounts associated with the digital wallet. | 2015-09-10 |
20150254649 | AUTHENTICATION TOKEN FOR WALLET BASED TRANSACTIONS - Transaction address data is received at a point of interaction (POI) device, from a payment-enabled mobile device. The transaction address data includes first address data and second address data. The first address data identifies a wallet service provider that is associated with the payment-enabled mobile device. The second address data indicates an internet address for a server function present in the payment-enabled mobile device. The first address data is used to dispatch the second address data from the POI device to the wallet service provider. | 2015-09-10 |
20150254650 | CONTROLLING TOKEN ISSUANCE BASED ON EXPOSURE - Embodiments described herein relate to an invention for providing a new token to a consumer for use in a pending transaction based on a determined level of exposure is provided. The systems, methods, and computer program products are configured to: (a) receive information associated with a purchase transaction involving a payment vehicle; (b) determine a potential exposure to loss based at least partially on the information associated with the purchase transaction; (c) in response to determining the potential exposure to loss, generate a token mitigating the potential exposure to loss prior to completing the purchase transaction; and (d) complete the purchase transaction based on the generated token. | 2015-09-10 |
20150254651 | OPTIMIZING FINANCIAL TRANSACTIONS NETWORK FLOW - A method of redirecting financial transactions between users of a financial transactions network is disclosed. The method includes determining financial transaction pathways between users of a financial transactions network, where the financial transaction pathways are indicative of one or more financial transactions between the users. The method also includes applying one or more edge weights to each pathway and calculating a centrality value for each user based on the one or more edge weights. The method further includes providing information to a first user of the financial transactions network that is configured to induce the first user to redirect at least a part of one financial transaction from a second user to a third user, when the third user has a higher centrality value than the second user. | 2015-09-10 |
20150254652 | FOREIGN EXCHANGE TOKEN - Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a virtual value token. The system, method, and computer program product are configured to receive a request for a token associated with a virtual value; generate the token associated with the virtual value, wherein the virtual value is funded via a known currency; determine that a user is initiating a transaction using the token; determine a local currency for the transaction; convert, using a computing device processor, at least a portion of the virtual value into a converted amount in the local currency; and complete the transaction using the converted amount of the token. The virtual value may be based on a defined value, such as a known amount on a specific day, or a relative value, such as the current value of an underlying asset. | 2015-09-10 |
20150254653 | FORMATION AND FUNDING OF A SHARED TOKEN - Embodiments of the present invention disclose utilizing a token associated with a payment device. Particularly, embodiments of the present invention may create a single token for use by a plurality of users on one or more of the payment devices of each user. The token may be made available for use by various users that can be added and removed as the group of users associated with the token changes. The token may be associated with various types of accounts, such as but not limited to a business account from a business client, a retail account from a retail client, or other like clients. In some embodiments the token may be associated with a specific account that already has funds in the account, or the token may be associated with a specific account that is unfunded or a new account that the users associated with the token may fund. | 2015-09-10 |
20150254654 | TRANSACTION EXECUTION SYSTEM, TRANSACTION EXECUTION METHOD AND COMPUTER PROGRAM PRODUCT - There is disclosed a transaction execution system comprising a server, wherein: the server is arranged to receive, from a mobile device, a first barcode; the server is further arranged to provide, in response to receiving said first barcode, data for a second barcode to the mobile device; the server is further arranged to receive, from the mobile device, a second barcode corresponding to said data; the server is further arranged to validate the second barcode and to execute said transaction if it has positively validated the second barcode. Furthermore, a corresponding transaction execution method and a corresponding computer program product are disclosed. | 2015-09-10 |
20150254655 | ATM TOKEN CASH WITHDRAWAL - Embodiments of the invention are directed to systems, methods and computer program products for managing financial tokens associated with a financial account, whereby the systems, methods, and computer program products are directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system, methods, and computer program products are configured to generate a server token, wherein the server token is associated with at least one financial account; communicate, to a first mobile device, a server packet, wherein the server packet comprises at least the server token; receive, from an ATM, a security packet communicated from a second mobile device to the ATM, wherein the security packet comprises at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM. | 2015-09-10 |
20150254656 | ACCOUNT TOKEN ASSOCIATIONS BASED ON SPENDING THRESHOLDS - Embodiments for providing token-account associations based on spending thresholds include systems and methods for generating tokens and associating the tokens with an account. The systems set parameters for the token, where the token parameters include at least a transaction amount maximum. The systems further receive transaction data associated with the transaction and compare the transaction data with the token parameters. | 2015-09-10 |
20150254657 | LIMITING TOKEN COLLABORATION NETWORK USAGE BY USER - The present invention includes an apparatus, method, and computer program product for use in a token based financial transaction system, whereby the apparatus applies transaction sensitive limits to a proposed financial transaction for purposes of approving, denying, or partially funding a token based financial transaction. The present invention is configured to: determine one or more limits associated with the token, wherein the one or more limits define which financial transactions will be authorized; process a request to execute a transaction, wherein processing the request includes determining if the one or more limits associated with the user are met based on transaction information; allow the transaction in response to determining when the one or more limits are met; and deny the transaction in response to determining when the one or more limits fail to be met. | 2015-09-10 |
20150254658 | LIMITING TOKEN COLLABORATION NETWORK USAGE BY TOKEN - The present invention includes an apparatus, method, and computer program product for use in a token based financial transaction system, whereby the apparatus applies transaction sensitive limits to a proposed financial transaction for purposes of approving, denying, or partially funding a token based financial transaction. The present invention is configured to: determine one or more limits associated with the token, wherein the one or more limits define which financial transactions will be authorized; process a request to execute a transaction, wherein processing the request includes determining if the one or more limits associated with the user are met based on transaction information; allow the transaction in response to determining when the one or more limits are met; and deny the transaction in response to determining when the one or more limits fail to be met. | 2015-09-10 |
20150254659 | SECURE VALIDATION OF FINANCIAL TRANSACTIONS - Methods and apparatuses, including computer program products, are described for secure validation of financial transactions. A server computing device registers a mobile device to receive notification messages from the server computing device. The server computing device transmits a notification message via a first communication channel to a notification agent executing on the registered mobile device, where the message identifies activity associated with a financial account of a user of the registered mobile device. The server computing device receives a response to the notification message via a second communication channel from an application executing on the registered mobile device, if the notification message requires a response. The server computing device stores the response in a database coupled to the server computing device, and determines whether to (i) allow, (ii) deny, or (iii) deny and report as fraud the identified activity based upon the response. | 2015-09-10 |
20150254660 | Anonymous Electronic Payment System - Systems and methods for autonomous online payments to an individual are described. A request to generate an electronic payment user interface associated with an individual for a transaction to an account associated with an entity is received. One or more individual defined criteria associated with the electronic payment user interface for the transaction is received. An Internet accessible address to the electronic payment user interface is generated. A request input from a payer to access, via the Internet accessible address, the electronic payment user interface associated with the individual is received. An authorization input from the payer to make an electronic payment of monetary funds from an account of the payer to the account of the individual is received, and access by the individual to personally identifiable information of the payer regarding the transaction is prevented. | 2015-09-10 |
20150254661 | SECURE AUTHENTICATION AND PAYMENT SYSTEM - The present invention provides a service for allowing secure financial transactions to be carried out, the service involving authenticating a user's identity and/or status as part of a financial transaction with another party and in the event that the user is authenticated arranging for the transaction to be completed without revealing the user's financial details and/or other personal details to that other party. Authentication data and transaction data may be communicated over any suitable communications channel(s). The invention provides a trusted authentication and payment environment that protects a user's financial details, but allows them to be securely authenticated and arranges for transactions to be fulfilled, whilst providing other parties with reassurance that transactions will be completed. In this way, fraud and theft due to misappropriation of financial details can be minimized. | 2015-09-10 |
20150254662 | VERIFYING TRANSACTION CONTEXT DATA AT WALLET SERVICE PROVIDER - A first message is received at a wallet service provider. The first message contains transaction detail and transaction context data. A second message is also received at the wallet service provider. The second message contains a copy of the transaction detail data and a copy of the transaction context data. The wallet service provider may verify that the data copies match the original data. One of the messages may be received from a payment-enabled mobile device. The other message may originate from a merchant. | 2015-09-10 |
20150254663 | TOKEN USAGE SCALING BASED ON DETERMINED LEVEL OF EXPOSURE - The present invention includes an apparatus and method configured to: receive a request to complete a financial transaction, wherein the request includes a token that is associated with a financial account from which funds are provided to pay for the financial transaction. The system and method determines transaction information associated with the financial transaction and then determines both: a limit associated with the token and/or the financial account associated with the token; and one or more exceptions to the limit. In some embodiments, the system and method determine that the financial transaction triggers the limit and then determines whether the financial transaction qualifies for an exception to the limit based on a comparison of the transaction information to the one or more exceptions. In an embodiment, the financial transaction is authorized when the financial transaction triggers the limit but qualifies for the exception to the limit. | 2015-09-10 |
20150254664 | TOKEN COLLABORATION NETWORK - Embodiments of the present invention disclose utilizing a token associated with a payment device. Particularly, embodiments of the present invention may create a single token for use by a plurality of users on one or more of the payment devices of each user. The token may be made available for use by various users that can be added and removed as the group of users associated with the token changes. The token may be associated with various types of accounts, such as but not limited to a business account from a business client, a retail account from a retail client, or other like clients. In some embodiments the token may be associated with a specific account that already has funds in the account, or the token may be associated with a specific account that is unfunded or a new account that the users associated with the token may fund. | 2015-09-10 |
20150254665 | AUTHORIZING A TEMPORARY TOKEN FOR A USER - Systems, methods, and computer program products for authorizing a temporary token for a user are provided. Embodiments of the invention involve a memory device; and a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: associate a token with a financial institution account that is associated with a user; receive one or more limits from an administrator associated with the financial institution account, wherein the one or more limits comprise at least a time period limit; apply the one or more limits to the token to limit the use of the financial institution account associated with the token to within the confines of the one or more limits; and transmit the token or token information associated with the token to the user for use in one or more transactions. | 2015-09-10 |
20150254666 | MERCHANDISE RETURN AND/OR EXCHANGE SYSTEMS, METHODS, AND MEDIA - Systems, methods, and apparatus are disclosed that provide a merchandise return and/or exchange process for items purchased from brick-and-mortar and/or e-commerce stores. In some embodiments, a mobile computing device of a customer may determine whether the mobile computing device and therefore the customer are in a defined zone for a store. In response to determining that the mobile computing device is in the defined zone, the mobile computing device may notify the customer and request whether the customer wishes to initiate a return and/or exchange of purchased items to the store. The mobile computing device may notify a merchandise pickup system of the customer's desire to return the purchased items. | 2015-09-10 |
20150254667 | INFORMATION PROCESSING DEVICE AND INFORMATION PROCESSING METHOD - A payment settlement terminal device includes a housing that has a first surface having an operation display surface, a second surface at the opposite side of the operation display surface, and a step portion formed on one end side of the second surface in parallel with the end edge of one end side. A length of the housing in thickness direction in the one end side adjacent to the step portion is greater than a length of the housing in thickness direction in the other end side of the step portion, and a non-secure area not having tamper-resistance at the one end side of the housing and a secure area having the tamper-resistance at the other end side of the housing. A payment settlement terminal device is provided, in which the security can be ensured and the user can easily perform the payment settlement. | 2015-09-10 |
20150254668 | METHOD AND SYSTEM FOR SECURE CONSUMER IDENTIFICATION - Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction. | 2015-09-10 |
20150254669 | SYSTEM AND METHOD FOR SECURELY STORE AND TRANSFER ELECTRONIC MONEY - The invention relates to a system ( | 2015-09-10 |
20150254670 | ACCOUNT TRANSACTION FRAUD DETECTION - A merchant conducting a transaction on an account forms transaction data with a sensitive data field. To obscure the account prior to transmitting information about the transaction, for each character in the sensitive data field, a combined character is formed with a character of a generated pad. A replacement character is formed by a modulus operation on the combined character and is stored in the corresponding position in the sensitive data field. A transmission containing the sensitive data field with replacement characters is delivered to the merchant's acquirer. Subsequently, a first transmission is received for another transaction from a merchant that contains transaction data upon an account and a sensitive data field. Using the sensitive data field, an attempt is made to retrieve a transaction data record that contains data from a previous transaction that includes the account upon which the previous transaction was conducted. The sensitive data field, which is encrypted as the corresponding account upon which the previous transaction was conducted, was encrypted by a character-by-character modulo operation using a generated pad. If the transaction data record is retrieved, a second transmission is sent that contains a fraud notification of the attempt to conduct a transaction upon the encrypted account in the sensitive data field. If there is no retrieval of the transaction data record, a third transmission containing a no-fraud notification is sent. | 2015-09-10 |
20150254671 | SERVICE MANAGEMENT SYSTEMS AND ASSOCIATED METHODS - Service management systems and associated methods are disclosed herein. In one embodiment, a service management system can include a system for delivering various types of services including property management services, residential rental services, social services, low income housing services, and/or the like. One aspect of the disclosure is directed toward a computer implemented service management process (e.g., a property management process) that includes maintaining an inventory of property associated with a rental program, providing information associated with the rental program, processing an application to enter the program from a potential program participant, and administering various program elements of the rental program. In selected embodiments, the method can further include providing products/services and/or providing advertising. In still further embodiments, the method can include terminating the program participant's participation in the rental program/service management process. | 2015-09-10 |
20150254672 | PROCESSING AUTHORIZATION REQUESTS - Systems, methods and computer programs for use in processing payment authorization requests for payment transactions to be conducted via a data communications network. At a trusted intermediary system, data indicative of the user having been authenticated by a first authentication process conducted between the user and a data communication interface associated with a bank data processing system is received via a data communication network. In response to the receipt of the authentication-indicative data, a user account corresponding to one or more transactional accounts held by a user at the bank data processing system is activated. Payment data associated with the one or more transactional accounts is stored in a data store in association with the user account. Following a subsequent authentication of the user by a second authentication process conducted between the user and the trusted intermediary system, the stored payment data is retrieved from the data store for use in processing at least one payment authorization request involving the user. | 2015-09-10 |
20150254673 | Analytics Driven End of Life Product Planning - Embodiments include a data based methodology for projecting cumulative shipments of a product throughout the balance of its lifecycle and comparing that estimate to a proposed sales and operating plan (SOP) to drive scrap avoidance and healthy contention against the SOP that may or may not be attainable. Modelling uses critical milestones to break a product life cycle into manageable segments. One or more recommendations with respect to the SOP are provided, including supporting the SOP or changing the SOP to drive product procurement. | 2015-09-10 |
20150254674 | RETURN MERCHANDISE AUTHORIZATION FOR DIGITAL STORAGE DEVICES - Disclosed herein is a return merchandise authorization apparatus for a digital storage device that includes a diagnostic module that diagnoses a condition of the digital storage device. The apparatus also includes a certificate authorization module that authorizes use of a return merchandise authorization certificate based at least partially on the condition of the digital storage device. Additionally, the apparatus includes a disable module that disables at least one operation of the digital storage device based on authorization of the use of the return merchandise authorization certificate. | 2015-09-10 |
20150254675 | METHOD AND APPARATUS FOR PERSONALIZING CUSTOMER INTERACTION EXPERIENCES - A computer-implemented method and an apparatus for personalizing customer interaction experiences receives an input corresponding to at least one of a business objective and a customer interaction channel. A customer classification framework is selected based on the input. The customer classification framework is associated with a plurality of persona types, where each persona type is associated with a set of behavioral traits. A persona type for a customer is predicted from among the plurality of persona types during an interaction on the customer interaction channel. A propensity of the customer to perform at least one action is predicted based on the persona type. A provisioning of personalized interaction experience to the customer is facilitated based on the predicted propensity of the customer to perform the at least one action. | 2015-09-10 |
20150254676 | WEB-BASED ELECTRONIC CONTROLLED SUBSTANCE TRANSFER MANAGEMENT SYSTEM AND METHOD - A Web-based Electronic Controlled Substance (CS) Transfer Management System and Method designed to fully comply with the DEA requirements for a prescription of controlled substances. The system and method allows the buyer to securely order and confirm the receipt of the controlled substances over an existing Internet infrastructure of the buyer such as a Web browser as the buyer's software, thus avoiding the necessity of any additional proprietary software or hardware to be built and installed onto the buyer's computer. The system and method further utilizes various validation functions, related to signing the controlled substance prescription with the utilization of the PKI certificate therefore, completely eliminating the necessity of the paper DEA 222 Form. The transfer of the controlled substances is managed through a secured database server, wherein signed validated orders are posted for fulfillment and reporting to the DEA. | 2015-09-10 |
20150254677 | DYNAMIC OBJECT TAG AND SYSTEMS AND METHODS RELATING THERETO - A dynamic object tag for a product and systems and methods relating thereto is disclosed. The dynamic object tag comprises a hardware security module, including an electronic storage module, and a communication module for communicating with an interrogation device. The hardware security module is adapted to establish a secure communication channel with the interrogation device, to exchange dynamic authentication parameters with the interrogation device, and to communicate product information stored on the electronic storage module to the interrogation device over the secure communication channel. | 2015-09-10 |
20150254678 | INSPECTION APPARATUS - According to one embodiment, an inspection apparatus includes an optical system portion on which a plurality of reflected light rays corresponding to a plurality of observation directions with respect to an optical variable image device are incident and which images the plurality of reflected light rays incident thereon, an imaging portion that images the plurality of reflected light rays imaged by the optical system portion and thereby generates reflected light images corresponding the plurality of respective observation directions, an object relation determination portion that determines whether or not there is a predetermined geometric difference between objects that are contained in reflected light images imaged by the imaging portion and corresponding to different observation directions, and an authenticity determination portion that determines authenticity of the optical variable image device based on a result of the determination by the object relation determination portion. | 2015-09-10 |
20150254679 | VENDOR RELATIONSHIP MANAGEMENT FOR CONTACT CENTERS - A method includes: receiving, on a processor, data associated with an interaction between a user and a first enterprise; applying, by the processor, a rule of a template based on the data; identifying, by the processor and using the rule of the template, a second enterprise; and transmitting, by the processor, the data to the second enterprise in accordance with the rule. | 2015-09-10 |
20150254680 | UTILIZING PRODUCT AND SERVICE REVIEWS - Methods, systems, and apparatus for processing item reviews are described. An item review is obtained. Content of the item review and a reviewer of the item review are analyzed. A review weighting based on the analysis of the content of the item review and the reviewer of the item is determined. | 2015-09-10 |
20150254681 | METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR LEAD DEVELOPMENT, ASSESSMENT, AND MANAGEMENT - A method, apparatus and computer program product are provided for providing smart leads to responders. Leads may be ranked based on explicit information provided by an associated user, and/or implicit information collected by a system. Lead details may be generated to better assist the responder in understanding the lead's needs. A lead may be a prospective buyer, seller and/or tenant of real property, and the responder may be an agent, broker, and/or sales person. Actions responsive to received leads may be performed by the computer program system on behalf of the agent (in some cases including communications transmitted to the lead) and/or proposed by the system to the agent. | 2015-09-10 |
20150254682 | HARMONIZED SYSTEM NUMBER ANALYSIS - One example of a system includes a crawler, a normalizer, an interface, and an analysis engine. The crawler accesses data sources to retrieve an indicator value for each of a plurality of indicators for each of a plurality of countries. The indicators include economic indicators, import/export indicators for each of a plurality of Harmonized System (HS) numbers, and world trade indicators. The normalizer scrubs and normalizes each retrieved indicator value. The interface receives a request for a report for a selected HS number from the plurality of HS numbers and provides the requested report for the selected HS number after the report is generated by the analysis engine. The analysis engine processes the indicator values for the selected HS number to provide the requested report for the selected HS number indicating a success for sales of the product indicated by the selected HS number in each country. | 2015-09-10 |
20150254683 | SYSTEMS AND METHODS FOR ANONYMOUS BEHAVIORAL-BASED RECORDS IDENTIFICATION - Methods, systems, and computer-readable media for identifying users, records, and/or devices using anonymous source data records associated with consumer activity are described. In general, the consumer activity may relate to consumer interactions with devices and/or content or data through devices. The source data records may be structured, such as associating the source data records with a sequential timeline. Behavioral markers may be generated by the matching system and associated with the source data records. Each behavioral marker may be analyzed across all of the source data records to determine the effectiveness of the behavioral marker to identify unique source data records. One or more of the behavioral markers may be used to generate a behavioral fingerprint. A behavioral fingerprint may be used to identify unique records, devices, and/or users, including identification based on different sets of source data records. | 2015-09-10 |
20150254684 | COLLECTING AND ANALYZING TRANSACTION DATACOLLECTING AND ANALYZING TRANSACTION AND DEMOGRAPHIC DATA TO FULFILL QUERIES AND TARGET SURVEYS - A system and method to gather and analyze transaction records and demographics associated with a plurality of consultants is presented herein. A consultant is a user that creates a profile and provides access to one or more accounts at one or more financial institutions and/or demographic data. Transaction records collected from the one or more accounts are stripped of personally identifying data, analyzed, associated with a consultant's profile, and persistently stored. Demographic data may be collected from a consultant and/or derived from the consultant's transaction records, associated with the consultant's profile, and persistently stored. Surveys are targeted at consultants based, at least in part, on the transaction records and/or demographic data associated with each consultant's profile. Furthermore, database queries are fulfilled based on the transaction records and demographic data associated with one or more consultant profiles stored in the database. | 2015-09-10 |
20150254685 | METHODS AND SYSTEMS FOR COMPILING MARKETING INFORMATION FOR A CLIENT - Methods are provided for exploiting the secondary traffic generated by social networking sites. Traffic on a commercial website is constantly monitored by a web analytics tool that collects traffic measurements of hits, button presses, enquiries, purchases etc., as well as the referrer URL of a site, such as a social networking site, through which the commercial website is accessed. The collected measurements are forwarded to a referred traffic analysis system. Concurrently, the referred traffic analysis system crawls the Internet and collects a large number of social networking sites, analyses their content by extracting insight terms and phrases from them. The collected traffic measurements are correlated with the collected insights from the social networking sites, and the top insights that reoccur frequently enough to appear to be a driver for the measurements observed, are presented to the client. A corresponding system is also provided. | 2015-09-10 |
20150254686 | End of Life Product Planning - Embodiments include a data based methodology for projecting cumulative shipments of a product throughout the balance of its life cycle. Critical milestones are defines, and are employed to break a product life cycle into manageable segments. A double base line curve is employed, with a first baseline curve representing shipment of a predecessor product prior to announcement of the new product and a second baseline curve representing shipment of the predecessor product after announcement of the new product. The curves are used as a reference point with a product analysis to statistically forecast an end of life demand for the predecessor product. | 2015-09-10 |
20150254687 | Analytics Driven End of Life Product Planning - Embodiments include a data based methodology for projecting cumulative shipments of a product throughout the balance of its lifecycle and comparing that estimate to a proposed sales and operating plan (SOP) to drive scrap avoidance and healthy contention against the SOP that may or may not be attainable. Modelling uses critical milestones to break a product life cycle into manageable segments. One or more recommendations with respect to the SOP are provided, including supporting the SOP or changing the SOP to drive product procurement. | 2015-09-10 |
20150254688 | SYSTEMS AND METHODS TO PREDICT BIDDING BEHAVIOUR - Systems and methods to predict bidding behaviour are described. The system identifies a listing that includes listing information that describes an item that is being auctioned on a network-based marketplace. The system further identifies bid classification information based on the number of bids received for the item. Finally, the system predicts whether no more bids are expected to be received for the item based on the classification information. | 2015-09-10 |
20150254689 | End of Life Product Planning - Embodiments include a data based methodology for projecting cumulative shipments of a product throughout the balance of its life cycle. Critical milestones are defines, and are employed to break a product life cycle into manageable segments. A double base line curve is employed, with a first baseline curve representing shipment of a predecessor product prior to announcement of the new product and a second baseline curve representing shipment of the predecessor product after announcement of the new product. The curves are used as a reference point with a product analysis to statistically forecast an end of life demand for the predecessor product. | 2015-09-10 |
20150254690 | ANALYZING A TRUST METRIC OF RESPONSES THROUGH TRUST ANALYTICS - A method, system and computer program product are disclosed for analyzing a specified trust metric of survey responses obtained in a campaign. In one embodiment, the method comprises parsing requirements and goals of the campaign to identify campaign specifics; mapping one or more of the identified campaign specifics to a trust metric calculation rule, the trust metric calculation rule including an algorithm for computing a value for the specified trust metric. The method further comprises using the trust metric calculation rule and one or more of the identified campaign specifics to filter a set of potential input attributes to select therefrom a subset of input attributes; obtaining data values for the subset of input attributes; and using the algorithm of the trust metric calculation rule and the obtained data values for the subset of input attributes to compute the value for the specified trust metric. | 2015-09-10 |
20150254691 | SYSTEM AND METHOD OF CONSTRUCTING ON-LINE SURVEYS - A system and method of constructing on-line surveys is provided. In particular, the system and method assist a survey user in the construction of an on-line survey in that a graphical interface is presented to the user that includes graphical objects representing question types and/or formats, and the user is enabled to select graphical objects and to place the graphical objects representing pre-established survey components in a sequence, thereby defining a sequence of steps in an on-line survey. The sequence is further displayed to the user on the graphical interface, and once finalized, translated into computer readable format and deployed on-line to survey participants. | 2015-09-10 |
20150254692 | METHOD AND APPARATUS FOR SOCIAL NETWORKING SERVICE STRATEGY BASED ON SPREAD SIMULATION - An approach is provided for using spread simulations to enhance media distribution. The distribution processer determines one or more seed user groups made of one or more seed users. Next, the distribution processor processes and/or facilitates a processing of one or more spread process simulations with the one or more seed user groups. Then, the distribution processor causes, at least in part, media distribution based, at least in part, on the one or more spread process simulations. | 2015-09-10 |
20150254693 | MANUFACTURING COST ESTIMATOR - Computer-based methods and systems are provided for improved recognition and presentation of parts, such as machine parts, as well as methods and systems for modeling and predicting the cost of such parts. | 2015-09-10 |
20150254694 | System and Method for Providing Redeemable Commercial Objects in Conjunction with Geographic Imagery - Systems and methods for displaying content in association with geographic imagery, such as street level imagery are provided. More particularly, digital representations of redeemable commercial objects, such as coupons, promotional offers, discounts, vouchers, gift certificates, etc., can be displayed in conjunction with the geographic imagery. The commercial objects are redeemable at entities depicted in the geographic imagery, such as businesses, restaurants, retail outlets, coffee shops, bars, music venues, etc., depicted in the geographic imagery. For example, a digital representation of a commercial object can be displayed in the geographic image overlaying an entity where the commercial object can be redeemed. As a result, users can browse and/or collect commercial objects redeemable entities depicted in the geographic imagery as the users navigate the geographic imagery. | 2015-09-10 |
20150254695 | COMPUTER IMPLEMENTED METHOD AND SYSTEM FOR REWARDING USER FOR INTERACTING WITH GAMING AND ADVERTISING MEDIA - The present invention discloses a computer implemented method for rewarding a user for interacting with gaming media, the computer implemented method which comprises retrieving a gaming media from a database comprising plurality of gaming media, playing the gaming media to the user, the gaming media being played by a media player, calculating bits corresponding to the played gaming media, the bits being calculated based on a predefined algorithm, computing tokens when number of calculated bits become more than a threshold value and storing the calculated bits and tokens to the corresponding user profile. The user is able to utilize the rewarded tokens for transactions on the World Wide Web. | 2015-09-10 |