37th week of 2014 patent applcation highlights part 75 |
Patent application number | Title | Published |
20140257974 | CORRECTION DEVICE, CORRECTION METHOD, AND STORAGE MEDIUM - A correction device includes a first acquisition unit configured to acquire an arrangement position of advertisement information within a predetermined page layout when the advertisement information arranged in the predetermined page layout is displayed on a display screen of a terminal and a click rate at the arrangement position. The correction device includes a second acquisition unit configured to acquire a specific position in the predetermined page layout displayed on the display screen and an attention degree index indicating a degree of attention of the specific position as compared to another position. The correction device includes a correction unit configured to correct a click rate of the advertisement information based on the attention degree index of the specific position corresponding to the arrangement position of the advertisement information. | 2014-09-11 |
20140257975 | SYSTEM AND METHOD FOR MARKETING AND SELLING A REAL ESTATE PROPERTY - A method and a system for marketing and selling a one or more real estate property to a buyer, is provided. The method and the system for selling and marketing the one real estate property is based upon a network in between the owner, broker, media company and the buyer. The broker checks the real estate property on multiple listing services and creates a budget for the marketing of that property. The broker then enters into an agreement with the media company i.e. the media company to be paid a percentage of the selling price of the property. | 2014-09-11 |
20140257976 | APPARATUS AND METHOD FOR ENHANCING TRANSACTIONS USING RULE INFORMATION TO COMMUNICATE WITH MULTIPLE APPLICATIONS - A method and apparatus provides information to enhance at least one of: a sales, a service and an administrative transaction by communicating with a plurality of applications from a group of applications in accordance with rule information and based on at least two of the received: end user identification information, client identification information and transaction type information. In one example, the apparatus includes a rules engine, an application integrator, an integration and presentation module, and an integrated user interface. The rules engine causes the application integrator to communicate with a plurality of applications in accordance with the rule information, and at least two of: the end user identification information, the client identification information, and the transaction type information. The application integrator then generates integrated output information received from the plurality of applications to produce the integrated user interface that includes output from the plurality of applications. Based on end user input, the integrated user interface then provides interactive user response information to the application integrator which passes the interactive user response information to the rules engine. The rules engine then determines which of at least one additional supporting application of available applications to use in a next stage of the transaction, which may be the same as or different applications from the plurality of applications. The application integrator then communicates with the additional supporting applications and accordingly updates the integrated output information on the integrated user interface to include output from the at least one additional supporting application. | 2014-09-11 |
20140257977 | SYSTEMS, DEVICES, AND METHODS FOR MANAGING A PAYMENT TRANSACTION - Disclosed herein is a method for managing a payment transaction wherein a processor receives a transaction information input corresponding to a particular card type. The processor then accesses a BIN table and a rate table to calculate a fee based on the transaction information input and compares the calculated fee with alternate fees corresponding to alternate card types. A card type corresponding to a determined lowest fee between the calculated fee and the alternate fees is then outputted. The processor then completes the payment transaction by accessing transaction information corresponding to a user selected card type. | 2014-09-11 |
20140257978 | AUTOMATED FINANCING FOR OFFER PRESENTATIONS - Systems and methods offer deal platforms based on timely purchasing trends for specific consumers and immediate availability of financial resources to specific consumers. One method presents a combined promotional and financing offer to a potential purchaser. Another method offers predicted goods and/or services for a potential purchaser. Another method provides a personal loan for purchases from specific providers. Another method presents a consumer-specific deal portal to a potential consumer. Additional methods are also described. | 2014-09-11 |
20140257979 | SYSTEMS AND METHODS FOR PROVIDING ADVERTISING SERVICES - The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association. | 2014-09-11 |
20140257980 | DISPLAYING PROMOTION INFORMATION - The present disclosure discloses an example method and apparatus for displaying promotion information. Multiple preferences and a respective weight of each preference of a user at a client terminal that visits a current page are obtained. A respectively assigned number of display locations for each preference is calculated based on the respective weight of each preference and a number of display locations at the current page. Respective promotion information corresponding to a respective reference is obtained. Promotion information is displayed at the display locations of the current page according to the respectively assigned number of display locations for each preference. The present techniques improve diversity of results in the direction technology. | 2014-09-11 |
20140257981 | SYSTEM FOR DISTRIBUTING SAMPLE GOODS - A system for distributing sample goods. The system may issue redeeming coupons, exchangeable for sample goods, using electronic coupon technology, and provide the redeeming coupons to customers' mobile terminals, thereby efficiently distributing the sample goods. | 2014-09-11 |
20140257982 | Building a Social Graph Using Sharing Activity of Users of the Open Web - A social graph is built which includes interactions, sharing activity, and connections between the users of the open Web and can be used to improve ad targeting and content personalization. Sharing activity between two users will affect ads or content that both users will be presented while surfing the Web. This sharing activity includes sending of links, sending of videos, sending of files, cutting and pasting of content, sending text messages, and sending of e-mails. | 2014-09-11 |
20140257983 | SYSTEM AND METHOD TO INITIATE A MOBILE DATA COMMUNICATION UTILIZING A TRIGGER SYSTEM - A system and method to enable a user to initiate a communication with an organization using a mobile communication device by means of a trigger system. A system and method to enable an organization to acquire a user mobile device address by means of a trigger system. A system and method to enable an organization to respond to a user by means of a trigger system and a message application server. A system and method to enable organizations to deliver mobile messages, coupons, offers and promotions to users mobile device by means of a combination of a trigger system, a message application server and an offer application. | 2014-09-11 |
20140257984 | System and Method for Selling Items via a Wireless Mobile Telecommunications System - Items are sold via a wireless mobile telecommunications network in which multimedia presentations describing items offered for sale are broadcast for reception by wireless mobile devices. Users of the devices can transmit responses indicating requests to buy the items or bid for them in auctions. | 2014-09-11 |
20140257985 | SYSTEM AND METHODS FOR UPCOMING EVENT NOTIFICATION AND MOBILE PURCHASING - Various embodiments relate generally to providing upcoming event notification and mobile purchasing and, more specifically but not exclusively relate to a system and methods for providing notifications of upcoming events to users of an online secondary ticket marketplace and allowing the users to purchase tickets to upcoming events using a mobile device. In one embodiment, a network-based system may receive a registration request from a user to receive alert notifications for upcoming events. The registration request may comprise a telephone number for a mobile device of the user. The network-based system may send an alert notification for an upcoming event to the mobile device of the user over a mobile telephone network. The alert notification may comprise a text message including relevant static or dynamic event information as well as an embedded hyperlink for allowing the user to transact a mobile purchase. | 2014-09-11 |
20140257986 | WEB ADVERTISING CAMPAIGN MANAGEMENT SYSTEM AND METHOD - Events generated by customer interaction during an internet-based session are made available for use by a system for tracking the effectiveness of web advertising campaigns. Event occurrences are collected for evaluation to determine whether campaign goals are being met. Campaigns are defined by rules indicating which ad content is to be displayed to which customers. Event types to be reported are selected depending on the needs of the particular campaign. | 2014-09-11 |
20140257987 | METHOD AND SYSTEM FOR A PERSONALIZED CONTENT DISSEMINATION PLATFORM - The disclosure provides a method and corresponding system for personalizing and disbursing content material in an automated fashion based on differing characteristics or profiles of the recipients. The system includes a database of potential recipients with key characteristics such as location data, revenue, product ownership, customer status, tenure with the company/organization, payment status, credit rating, whether they have recently responded to other material, and the like. Dissemination media include email communications, collaterals, brochures, textual materials, image and video information, and any similar media, where the contents of the communication material is customized based on the key characteristics profiles of the recipients and driven by a set of business rules that can be adapted to fit various scenarios. | 2014-09-11 |
20140257988 | METHOD AND SYSTEM FOR SELECTING NAVIGATION ROUTES AND PROVIDING ON-ROUTE ADVERTISING - A computer-implemented method for receiving one or more inputs to represent a current location and a destination for determining one or more navigation routes to the destination. The method may determine a number of driving maneuvers associated with the one or more navigation routes to get to the destination. The method may also determine a workload value for the driving maneuver corresponding to the one or more navigation routes and select the navigation route based on the workload value. The method allows a predetermined amount of time after the determination to output the selected route based on the workload value to an output device. The method may develop an advertisement strategy for presenting ads to a vehicle occupant based on the route, workload value, and/or driving maneuvers. | 2014-09-11 |
20140257989 | METHOD AND SYSTEM FOR SELECTING IN-VEHICLE ADVERTISEMENT - An advertising system enabling one or more processors to determine and select an in-vehicle drip advertisement. The advertising system may communicate with a vehicle computing system enabling one or more processors to receive input representing a current location. The advertising system may receive input representing a destination and define at least one navigation route corresponding to the current location and the destination. The system may select one or more advertisements based on the at least one navigation route. The system may output the one or more advertisements on an output device at one or more predetermined points on the at least one navigation route. The system may receive an input in response to an advertisement and determine a related advertisement corresponding to the response and the one or more navigation routes. The system may output the related advertisement on the output device. | 2014-09-11 |
20140257990 | METHOD AND SYSTEM FOR DETERMINING CORRELATIONS BETWEEN PERSONALITY TRAITS OF A GROUP OF CONSUMERS AND A BRAND/PRODUCT - A computer implemented system and method determines correlations between one or more personality traits of a group of consumers and one or more brand/product. A first collection of consumer motivations of the group of consumers are determined based on associations between possible consumer motivations and the one or more personality traits. A second collection of consumer motivations are derived from the first collection of consumer motivations, where each consumer motivation of the second collection has a correlation with the one or more brand/product. Correlations between the personality traits and the brand/product are determined and output by identifying which of the one or more personality traits contributed to each of the consumer motivations of the second collection based on the associations between the possible consumer motivations and the one or more personality traits from the group of consumers. | 2014-09-11 |
20140257991 | SYSTEM AND METHOD FOR REAL-TIME PRIORITIZED MARKETING - Computer-implemented methods are provided for the delivery and/or prioritization of electronic marketing and promotional offers to a client device. In some embodiments, user context information associated with a user, and/or extrinsic context information, is employed to identify matching offers for a user, and to prioritize and optionally rank a subset of the matching offers. In other embodiments, user context information, and optionally extrinsic context information, is employed to dynamically trigger the activation and optional customization of offers for users, according to triggering logic and trigger parameters. In other embodiments, extrinsic context information is employed for triggering the availability of offers to one or more users, according to triggering logic and trigger parameters. | 2014-09-11 |
20140257992 | METHOD AND SYSTEM FOR EMBEDDING A PORTABLE AND CUSTOMIZABLE INCENTIVE APPLICATION ON A WEBSITE - An embodiment of the present invention is described that includes an incentive application for providing incentives to a visitor of a site. The incentive application is both portable onto other sites and is customizable on each site to the information provided on the site. | 2014-09-11 |
20140257993 | CONSUMER REPRESENTATION RENDERING WITH SELECTED MERCHANDISE - A rendering constraint is detected for a maximum time between capture of each a plurality of frames of a captured video stream of a consumer and a rendering of each corresponding frame of a consumer representation comprising a rendered three dimensional model rendered to depict a consumer appearance and a movement wearing a particular merchandise item. Processor elements accessible to the at least one computing system are selected that are able to generate the rendered three dimensional model within the time period specified in the rendering constraint. At least one processing task is directed to the selected processor elements to build the consumer representation comprising the three dimensional model and generate a rendering of the three dimensional model wearing the particular merchandise item as the captured video stream is received in real time at the at least one computer system. | 2014-09-11 |
20140257994 | METHODS AND APPARATUS FOR SENDING CONTENT TO A MEDIA PLAYER - The present disclosure provides methods and apparatus for sending content to a media player. In general, a user of the disclosed system consumes a plurality of media content (e.g., audio content, visual content, audiovisual content, etc.) distributed from a media server. The content preferably include advertising content and non-advertising content. Some or all of the content is selected by the system based on the user's specific requests, profile, preferences, and/or feedback, in conjunction with the profiles, preferences, requests, and feedback of other users, (e.g. using social media, social matching and/or collaborative filtering techniques). Preferably, the feedback includes statistical data indicative of partial experiences (e.g., user listened to 50%) of the content by one or more media consumers. | 2014-09-11 |
20140257995 | METHOD, DEVICE, AND SYSTEM FOR PLAYING VIDEO ADVERTISEMENT - Embodiments of the present invention provide a method, a device, and a system for playing a video advertisement. The method includes: receiving at least one of image feature data, a subtitle text, and an audio text of a video file sent by a client; obtaining a feature fusion result vector of the video file according to the at least one of the image feature data, subtitle text, and audio text of the video file; performing similarity matching calculation on feature fusion result vectors of advertisement files to be placed and the feature fusion result vector of the video file and determining one or more advertisement files of maximum similarity as a matching advertisement file; and sending the matching advertisement file to the client. With the embodiments of the present invention, an advertisement played on a client is more adaptable to a scene being played on the client. | 2014-09-11 |
20140257996 | Financial Apparatus, Method and System for Receiving and Refunding Fees - A financial apparatus may include: a media reader configured to read user information from a medium; a user interface configured to receive a user's selection for fee receipt; a controller configured to generate a fee receipt request message using the user information and receipt information generated through the fee receipt; a screen display unit configured to display a guide screen for a fee receipt procedure; and a message transmitter/receiver configured to transmit the fee receipt request message to a financial company server, and receive a fee receipt confirmation message corresponding to the fee receipt request message from the financial company server. | 2014-09-11 |
20140257997 | System and Method for Promoting Posts - A computer-implemented system for monetizing internet content. The system can include a website providing a viewable online section for displaying user-generated content on a client system which is at least one of a computer, a laptop, and a mobile device. The online section can be capable of having posted thereto the user-generated content in a default format or a visibly distinctive format. Computer executable instructions can perform steps including: displaying to a reader who has entered the user-generated content an offer via an on screen prompt to pay a fee in exchange for the reader's entered user-generated content to be posted in the visibly distinctive format; receiving, in response to the on screen prompt, an acceptance of the offer from the reader; and promoting the reader's entered user-generated content by displaying it in the visibly distinctive format relative to the default format in the online section. | 2014-09-11 |
20140257998 | STORING CUSTOMER RELATIONSHIP MANAGEMENT INFORMATION IN A SOCIAL NETWORKING SYSTEM - An organization stores customer relationship management information in a social networking system. For example, the customer relationship management information is stored in a graph maintained by the social networking system. The graph includes nodes representing organizations and other objects maintained by the social networking system that are connected by edges. The edges store information describing relationships between the nodes, including information determining a user's authority to access an organization's resources or to act on behalf of an organization on the social networking system. The organization may reconstruct its customer relationship information from the graph and dynamically modify the edges used by the social networking system to represent the customer relationship management information. | 2014-09-11 |
20140257999 | IDENTIFYING USERS FOR ADVERTISING OPPORTUNITIES BASED ON PAIRED IDENTIFIERS - An online system facilitates auctions for advertising presentation opportunities by identifying users associated with the presentation opportunities. The online system stores mappings between user identifiers and a plurality of partner identifiers used by advertisers to identify browsers. Partner identifiers are received from an advertising exchange and used to identify a user identifier corresponding to the received partner identifier. Using the identified user identifier, the online system identifies an alternative partner identifier associated with the user identifier and sends the alternative user identifier to an advertiser for use in selecting and bidding on advertisements. The online system returns the advertisers' bids to the advertising exchange with the partner identifier received from the advertising exchange. Converting a partner identifier to another allows advertisers to target a particular user while the online system protects the user's identify. | 2014-09-11 |
20140258000 | DYNAMIC FLOOR PRICING SYSTEM AND ASSOCIATED METHODS - A computer-implemented method for increasing publisher revenue for targeted online advertising includes retrieving buying data from an ad network report. Ad impression counts and bid amounts from winning bids may be used to determine a true cost per thousand impressions (CPM) value of an ad request. Price floors for the ad request may be set to equal the true CPM value either automatically or manually by the publisher. Monitoring periods for purchase data reporting from participating ad networks may provide true CPM values in real-time. | 2014-09-11 |
20140258001 | Systems and Methods for Determining Net-New Keywords in Expanding Live Advertising Campaigns in Targeted Advertising Systems - Systems and methods for creating expanded targeted search advertising campaigns in accordance with embodiments of the invention are disclosed. In one embodiment, a campaign expansion device includes a processor and a campaign expansion application, wherein the campaign expansion application configures the processor to obtain a live advertising campaign, where the live advertising campaign includes a plurality of keywords and match types associated with the keywords, determine at least one centroid cluster including a portion of the plurality of keywords, identify at least one target centroid cluster in the at least one centroid cluster, modify at least one match type associated with at least keyword, and generate an expanded advertising campaign, where the extended advertising campaign includes the unmodified portion of the plurality of keywords and match types associated with the keywords from the live advertising campaign and the modified keywords and associated match types. | 2014-09-11 |
20140258002 | SEMANTIC MODEL BASED TARGETED SEARCH ADVERTISING - Campaign creation systems and methods for building semantic model based targeted search advertising campaigns in accordance with embodiments of the invention are disclosed. In one embodiment of the invention, a method of automatically generating adgroups includes obtaining source data describing a plurality of landing pages, obtaining a list of initial keywords, building a semantic model based on the source data and the initial list of keywords, mapping keywords to relevant offers based on the semantic model, automatically generating one or more anticipated creatives, automatically generating at least one anticipated creative based upon the attributes of at least one relevant offer, automatically generating adgroups using at least one of the one or more anticipated creatives, including at least one anticipated creative based upon the attributes of at least one relevant offer in the adgroup associated with the relevant offer, and deploying the adgroups to a search engine provider. | 2014-09-11 |
20140258003 | ONLINE ADVERTISING WITH INTEGRATED INTERFACES - Various techniques for online advertising with integrated interfaces is disclosed herein. For example, a method can include detecting one or more display characteristics of an interface of a host application, generating an interface object for an advertisement item based on at least one of the detected display characteristics, and outputting the generated interface object as a portion of the interface of the host application. | 2014-09-11 |
20140258004 | Method for Improving Internet Text Advertisement Visibility - A method for improving internet text advertisement visibility highlights text advertisements on a web page in order to attract a viewer's attention to the advertisement. At least one text element is selected from at least one of a plurality of text advertisements on a web page. A specific element is designated to be highlighted from the at least one text element. A highlight color is designated for the specific element. The specific element of the at least one specific advertisement is displayed in the highlight color on the web page, while the other advertisements are displayed in a standard color. The specific element is dynamically changed from the standard color to the highlight color, or the specific element is statically displayed in the highlight color. Multiple advertisements may be highlighted one after the other. | 2014-09-11 |
20140258005 | PUBLISHER PREFERENCE SYSTEM FOR CONTENT SELECTION - Advertisements are selected from a plurality of advertisements and associated with an advertisement environment in a document. Document advertisement request code that is configured to issue an advertisement request for one of the selected advertisements for presentation in the advertisement environment is stored in the document. | 2014-09-11 |
20140258006 | Remote Ordering System - A remote ordering system is provided using an electronic menu having a series of input devices associated with various menu items, and a wireless transmitter to send selected menu items to a receiving device for processing. A display to show selected menu items, an alpha-numeric keyboard, a non-cash payment device, and a printer for receipts are also contemplated for increased functionality. The menu may be remotely updated to reflect the customer's preferences or a change to the menu choices. | 2014-09-11 |
20140258007 | MOBILE DEVICE AS POINT OF TRANSACTION FOR IN-STORE PURCHASES - Systems, methods and computer programs provide for implementing a mobile communication device, such as a smart telephone or the like, as a point of transaction for in-store purchases, such that all a customer needs to do is capture the coded indicia of products they desire (i.e., scan the products) with their mobile communication device as they shop and the purchase transaction will subsequently occur based on either the customer (in possession of the mobile communication device) being physically located in a designated area of the store or the lapse of a predetermined period of time from when the coded indicia was captured. | 2014-09-11 |
20140258008 | Systems, Methods, And Computer Program Products Providing Designation Of Money With An Account - An electronic device includes: a memory storing instructions, and one or more processors in communication with the memory configured to execute the instructions to: create a segregated portion of a monetary account, the segregated portion being designated for use for a particular type of good or service, enforce segregation of the portion by denying use of money within the portion for goods or services different from the particular type of good or service. | 2014-09-11 |
20140258009 | PAYMENT SERVICE REGISTRATION - Processes are disclosed to facilitate the verification and registration of users of a payment service. One process includes receiving an intent to register message from a user via an SMS message sent from a user mobile device. The process also includes sending a query message to the user mobile device. The query message includes a request for a government identification number from the user. The process also includes verifying the government identification number against a collection of data entries provided by a third party. The process also includes sending a temporary validation code to the user mobile device. The process also includes receiving an updated PIN from a known POS terminal. The known POS terminal was previously registered with the payment service. The updated PIN replaces the temporary validation code. The process also includes sending a registration confirmation to the user mobile device. Other related processes are also disclosed herein. | 2014-09-11 |
20140258010 | DELEGATION PAYMENT WITH PICTURE - A user who is authorizing a delegate to make a purchase using funds from an account of the user sends information to a payment provider. The information includes a picture of the delegate, along with information such as a merchant name, a maximum amount, a type of purchase, item information, and/or any other transaction limitations/restrictions. The payment provider then transmits this information to the merchant. A one-time code or number may be communicated to the delegate. When the delegate is ready to make a payment with the user account, the delegate gives the delegate's name and/or other identifying information to the merchant, along with the payment code. The merchant enters the information and is shown a picture of the delegate. If there is a match, the payment may be submitted for processing. In one embodiment, a photo of the delegate may be taken by the merchant and the image transmitted to the user. The user may then be requested to confirm the delegate as an authorized delegate. | 2014-09-11 |
20140258011 | APPARATUS, SYSTEMS AND METHODS FOR WIRELESSLY TRANSACTING FINANCIAL TRANSFERS, ELECTRONICALLY RECORDABLE AUTHORIZATION TRANSFERS, AND OTHER INFORMATION TRANSFERS - The present invention provides apparatus, systems and methods to wirelessly pay for purchases, electronically interface with financial accounting systems, and electronically record and wirelessly communicate authorization transactions using Personal Digital Assistant (“PDA”) (also referred to as Personal Intelligent Communicators (PICs), and Personal Communicators), palm computers, intelligent handheld cellular and other wireless telephones, and other personal handheld electronic devices configured with infrared or other short range data communications (for referential simplicity, such devices are referred to herein as “PDA's”). The present invention further provides apparatus, firmware, software programs and computer-implemented methods for making service and/or sale service charge payments for credit card charges, debit card charges, electronic cash transfers, ticket and other like financial transactions and for other types of transactions, such as for electronic coupons, where the amount of the transaction is for a small amount of money, such as, for example, less than $5.00. | 2014-09-11 |
20140258012 | Concealed Purchase History - Methods and systems are provided for concealing information regarding products purchased as gifts for others, such as the intended gift recipient. Often, opportunities exist for a gift recipient to inadvertently or intentionally obtain information regarding a gift to be given or already given to them. For example, such information can be readily available via sources such as social media and other websites, as well from account statements. Such information can be omitted from websites, account statements, and the like, at least until such a time that the user wants for the information to be available. | 2014-09-11 |
20140258013 | ENTITY-BASED SEARCHING WITH CONTENT SELECTION - Systems and methods for entity-based searching with content selection include receiving a search query and determining that the search query corresponds to a search entity. The search entity may be associated with an online action, thereby forming an entity-action pair. Auction parameters that specify the entity-action pair may be used to select third-party content. A visual layout for the third-party content may be generated based on the relationship between a search query and the entity-action pair and used as part of the presentation of the third-party content on a search result screen. | 2014-09-11 |
20140258014 | ENTITY-BASED SEARCHING WITH CONTENT SELECTION - Systems and methods for entity-based searching with content selection include receiving a search query and determining that the search query corresponds to a search entity. The search entity may be associated with an online action, thereby forming an entity-action pair. Auction parameters that specify the entity-action pair may be used to select third-party content. Search results based on the search query, the search entity, and the selected third-party content may be provided for presentation as part of a search result screen. | 2014-09-11 |
20140258015 | SELECTIVELY LINKING AUCTIONS TO END AT THE SAME TIME - An auction forum in which multiple auctions are selected to end at a common end time based on a determination that the selected auctions are likely to interest a common set of prospective bidders. | 2014-09-11 |
20140258016 | SYSTEM AND METHOD FOR GENERATING RECOMMENDATIONS - Example methods and systems are directed to generating recommendations based on one or more user inventories, which may be stored in a database. The inventory may include items (e.g., physical goods, electronic goods, and financial assets) owned by a user. A machine may use the database to provide suggestions to the user to buy or sell items. The machine may also use the database to provide suggestions to the user to join a community. The database may be used in conjunction with an electronic commerce site. The machine may be aware of which items in the site are being viewed by the user. The recommendation made by the machine may take into account the item being viewed. The user may be able to view the current market value for each item individually, the total value for a selection of items, or the total value for all items. | 2014-09-11 |
20140258017 | TRANSACTION ARBITER SYSTEM AND METHOD - A transaction arbiter system and method is disclosed which incorporates a merchant function database under control of a transaction arbiter that permits merchants to interact in an automated way with bids generated by other merchants. Rather than utilizing fixed price schedules as taught by the prior art, the present invention permits each merchant to define a set of functions which describe how the merchant will respond to a customer request-for-quote for a given product or service. These merchant functions interact with both the customer request-for-quote and the results of other merchant functions to generate a dynamic real-time bidding system which integrates competition among merchant bidders to achieve an optimal consumer price for a given product or service. | 2014-09-11 |
20140258018 | Barter for Rights - Selling intangible property rights may include receiving content from a seller and determining one or more potential purchasers for the content's intangible property rights. The potential purchasers may be determined according to the subject of the content, the audience for the content, and the intangible property rights being sold. An offer to sell the intangible property rights may then be transmitted to one or more potential purchasers, along with a portion of the content. Upon receiving the one or more purchaser's acceptance of the offer, a complete copy of the content may be transmitted to the purchaser. | 2014-09-11 |
20140258019 | METHOD AND SYSTEM FOR CREATING AND PROCESSING PERSONALIZED GIFT CARDS - A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift card. | 2014-09-11 |
20140258020 | System for Social Interaction around a Personal Inspirational Message Selectively Hidden in a Display Article - A system for creating and ordering a novel personal inspirational message storage and display article, selectively displaying or sharing the message, and networking with others about stored and shared inspirational messages. The system includes an online subsystem to select, order and pay for a message storage article and to select or create a personal inspirational message for the article. Also included is an article manufacturing subsystem to transfer the selected message to a selected area of the article on the inner side of a flexible material of which the article is made. | 2014-09-11 |
20140258021 | SYSTEMS AND METHODS FOR RECOMMENDATIONS BASED ON SOCIAL NETWORK ACTIVITY - A system, computer-readable storage medium storing at least one program, and computer-implemented method for providing gift recommendations based on social network activity of the gift recipient. A gift recommendation request identifying a gift recipient is received. In response to receiving the request, coincident user data describing an activity of the gift recipient is accessed from at least one social network. At least one gift recommendation is determined based in part on the coincident user data. | 2014-09-11 |
20140258022 | Inferred Budget - Methods and systems are provided for providing purchase recommendations and a budget to a user. The purchase recommendations can be for discretionary products for the user or for gifts for others. The purchase recommendations and the budget can be based upon the amount of discretionary money available for the user to make such purchases and for whom the purchases are to be made. The purchase recommendations and the budget can be further based upon purchase histories, wish lists, and calendars. | 2014-09-11 |
20140258023 | Intelligent Personal Finance Tracking Engine - A system may include a processor coupled to a memory. The processor is capable of determining a first goal adjustment based at least in part upon inflow information, outflow information, financial information, product information, and a customer goal. The processor is also operable to determine a second goal adjustment based at least in part upon inflow information, outflow information, financial information, product information, and a customer goal. Finally, the processor is operable to communicate the first goal adjustment and the second goal adjustment, using a network interface, to the customer. | 2014-09-11 |
20140258024 | SYSTEMS AND METHODS OF IDENTIFYING A GROUP OF ITEMS FOR ATTAINING A TARGETED SALES AMOUNT - A system receives a revenue target from a user, and receives a plurality of images. Each image contains an item. The system identifies a plurality of items from the plurality of images. The system searches a database to determine a selling price estimate for each item of the plurality of items, and generates a proposed combination of items to sell based, at least in part, on price estimates for the proposed combination of items adding up to at least the revenue target. | 2014-09-11 |
20140258025 | DIGITAL CONTENT RECOMMENDATION SYSTEM - In order to recommend digital content to be delivered via a telecommunications network (RT) to a communication terminal (TC), a device (DRA) receives a first list (L1) of digital content produced from a recommendation system (SR) based on a user's profile, each piece of digital content on the list being associated with an estimate of the user's degree of interest, and receives cost estimates respectively associated with the deliveries of digital content included in the first list from another device (DAC), the cost being representative of resources of the telecommunications network needed to deliver the digital content from a content source (SC) to the communication terminal. The device (DRA) assigns a score to each piece of digital content based on the estimate of the degree of interest associated with the digital content and the estimate of the cost associated with the delivery of digital content, and generates a second list (L2) of digital content based on the scores assigned to the digital content on the first list (L1) before transmitting the second list to the communication terminal. | 2014-09-11 |
20140258026 | SYSTEM AND METHOD OF PROVIDING RECOMMENDATIONS - A method of providing recommendations is disclosed and includes receiving a selection of an offering via an online site. The method also includes outputting a detail page related to the offering via the online site. The detail page includes a first selectable indicator corresponding to a social network of a visitor and a second selectable indicator corresponding to unfiltered content. The method also includes outputting at least one recommendation via the detail page. Each recommendation is associated with a member of the social network when input received via the online site indicates a selection of the first selectable indicator. | 2014-09-11 |
20140258027 | RECOMMENDER SYSTEM AND MEDIA RETRIEVAL SYSTEM FOR PROVIDING RECOMMENDATIONS TO GROUPS OF USERS - The recommender system uses a processing system configured to determine recommendation scores using a collaborative rating process. Collaborative rating process involves determining correlations between ratings for media items provided by a current user for which a recommendation score has to be computed and by further users, and computing recommendation scores from ratings for other media items from ratings from the further users, dependent on the correlation. To handle groups, information is determined by identifying a plurality of users is determined that concurrently use a user terminal, and group correlation values for use in the collaborative rating process are computed from rating values from individual ones of the users in the group. Synthetic rating values for the group may be computed from a sum of rating values of the members and then used to compute the correlation. The computation of the group correlation is implemented using a user interface system that encrypts information the identity of the users and transmits that information to a processing system with a server and a privacy service provider system. The server and a privacy service provider system use a secure multi-party computation protocol to perform a distributed computation of the group correlation. | 2014-09-11 |
20140258028 | In-Store Item Alert Architecture - A method and apparatus for alerting an individual is described. A determination as to whether an individual is within a sensing area of a first device is made. The first device may be configured to provide information about a product on a shelf on which the first device is attached. In response to determining that the individual is within the sensing area, a determination as to whether to notify an occurrence of the determination that the individual is within the sensing area of the first device to at least one second device is made. In response to determining to notify, a notification may be transmitted to the at least one second device that the individual is within the sensing area of the first device. An alert may be triggered at the at least one second device based upon the transmitted notification. | 2014-09-11 |
20140258029 | EMBEDDED MULTIMEDIA INTERACTION PLATFORM - A video commerce application having a graphical user interface (“GUI”) is described. The GUI includes: a single frame video display area for presenting video content; a floating menu box located within the single frame video display area for providing a consumer with multiple interactive control elements comprising: at least one media navigation tool; a product catalogue tool; an account access tool; and a shopping cart for storing product items selected for purchase by the consumer, wherein selection of a shopping cart tool associated with the shopping cart provides the consumer with a second pop out display within the single frame video display area for completing a transaction to purchase items present in the shopping cart, wherein the transaction does not require the consumer to register for an account with a commerce platform. | 2014-09-11 |
20140258030 | METHOD AND SYSTEM OF AN AUTHENTIC TRANSLATION OF A PHYSICAL TRADESHOW - A method and system of an authentic translation of a physical tradeshow wholesale buying experience into a web/mobile application service are provided. The web/mobile application service may provide enhanced and streamlined interactions between sales representatives and retail buyers and also may include product bookmarking, re-stocking planning and a mass purchase order creation service. The system may utilize a business to business (B2B) marketplace and social networking in the B2B marketplace. | 2014-09-11 |
20140258031 | Identifying Where to Buy Ingredients of a Recipe - An altered shopping experience can be provided in a retail store. Various devices can be used to provide a stimulus (e.g. a smell or sound) to encourage the customer to purchase a product, to entertain the customer, or to provide information to the customer. Devices can also be provided for creating a forced perspective to give the appearance that an aisle is shorter than it is. Devices can also be provided to automatically identify ingredients in a recipe and identify retail stores that offer the ingredients at the best price, or to accept reservations for particular products in the case of an emergency. | 2014-09-11 |
20140258032 | TRANSACTION FACILITATING MARKETPLACE PLATFORM - A platform facilitates buyers, sellers, and third parties in obtaining information related to each other's transaction histories, such as a supplier's shipment history, the types of materials typically shipped, a supplier's customers, a supplier's expertise, what materials and how much a buyer purchases, buyer and shipper reliability, similarity between buyers, similarity between suppliers, and the like. The platform aggregates data from a variety of sources, including, without limitation, customs data associated with actual import/export transactions, non-public shipper records, and facilitates the generation of reports as to the quality of buyers and suppliers, the reports relating to a variety of parameters that are associated with buyer and supplier quality. | 2014-09-11 |
20140258033 | DETERMINING RATINGS BASED ON RATINGS OF OTHER ENTITIES - A characteristic value for a characteristic of a first participant in a game is rated. Then characteristic values for characteristics of one or more participants associated with the first participant in the game are rated. An individual rating is provided for the first participant based on the characteristic value for the characteristic of the first participant. A community rating is provided for the first participant based on the characteristic values for the characteristics of the one or more participants associated with the first participant. | 2014-09-11 |
20140258034 | RATING EXPERTISE OF USERS - An expertise level in a first field of a first user is determined. Then expertise levels in the first field of users related to the first user are determined. An expertise designation is assigned to the first user based on the expertise level in the first field of the first user and the expertise levels in the first field of users related to the first user. | 2014-09-11 |
20140258035 | RATING CHARACTERISTICS OF RELATIONSHIPS - A plurality of relationship is determined, each relationship being between a first entity and a different one of a plurality of other entities. For each of the plurality of relationships, a rating for a characteristic of the relationship is determined. Then a rating is assigned to the first entity based on the ratings for the characteristic of each of the plurality of relationships. | 2014-09-11 |
20140258036 | ASSIGNING TRUST LEVELS TO ENTITIES - Trust levels are associated to each of a plurality of entities related to a first entity. S trust level is calculated for the first entity based on the associated trust levels to each of the plurality of entities related to the first entity. The trust level for the first entity is used to evaluate a potential transaction involving the first entity. | 2014-09-11 |
20140258037 | Transparency in Processing of Wait Times for Brokered Engagements - Described are techniques for providing broker services to consumers and service providers. An estimate of when a service provider will be available to the consumer is calculated based on determining entries in a queue maintained for the service provider, the entries corresponding to consumers waiting for the service provider. An entry corresponding to the consumer is added to the queue maintained for the service provider, and the estimate is sent to a device used by the consumer; and when the consumer in the queue is at the top of the queue a real-time communication channel is established with a device used by the consumer. | 2014-09-11 |
20140258038 | Systems and Methods for Identifying Information about Objects - A system according to particular embodiments is adapted for identifying a maker's mark on a particular object and to then display information regarding the maker's mark to a user. The system is configured to receive an image of a maker's mark on an object, identify the maker's mark, and then retrieve information relating to the maker's mark. Such information may include information regarding the name of a particular maker associated with the maker's mark, the time period in which the maker produced objects, the geographic area in which the maker worked or works, other types of work with which the maker is associated, valuations of works by the maker, and/or any other information related to the maker or the object. | 2014-09-11 |
20140258039 | METHOD AND SYSTEM FOR IMPROVED E-COMMERCE SHOPPING - An e-commerce system and method for presenting product information to a viewer, where a video feed and product information associated with a product that relates to the content in the video feed can be displayed or presented to the viewer on one or more remote display devices. | 2014-09-11 |
20140258040 | DYNAMICALLY CREATED NETWORK SITES - Disclosed are various embodiments for dynamically generating a network site for a topic. A set of search terms that are associated with one or more search engines are obtained. A respective set of items in an item catalog that are relevant for each of the search terms are identified. A respective network site is established for each of the search terms when the respective set of items includes at least a predefined number of items. The respective network site offers at least some of the respective items for sale. | 2014-09-11 |
20140258041 | SYSTEM AND METHODS FOR VEHICLE LIFECYCLE MANAGEMENT - A computerized system for vehicle management and purchase including a database including information regarding vehicles in a set of vehicles, wherein a plurality of the vehicles in the set of vehicles are in arrangements wherein third parties use the vehicles, wherein the information may include configuration of respective vehicles. The system may also include a computer interface that provides access to the description of the vehicles in the database and provides for setting price of respective vehicles, an option on the user interface to search, an option on the user interface to indicate intent to purchase a vehicle, a computer interface that receives information regarding a vehicle returned, and a computer interface to facilitate a purchase of the returned vehicle. | 2014-09-11 |
20140258042 | System and Method for Facilitating Real Estate Transactions - A system, method and software is described for the advertising of real estate. Information and images for a property are made available to prospective purchasers. Users' interactions are tracked, and points are assigned for each interaction. For each property listing, the system and software identify a segment of other relevant property listings. Each property listing is compared to the listings in its segment on the basis of points to determine its relative ranking. The relative ranking is used to determine the fee charged to the seller for use of the system and software. The system and software generate and provide reports and recommendations to users. | 2014-09-11 |
20140258043 | COMPARABLE PRODUCT MATCHING: SYSTEM AND METHOD - A method and system for matching a basis product with products in the inventory of a provider (e.g., a retailer) that have related functionality. Characteristics of the basis product may be known from its product identifier, or may be specified. Goodness scores for candidate products may be based on similarity of characteristics with those of the basis product. Availability and consumer preferences may be taken into account in assigning goodness scores. Candidates may be drawn from those in inventory having the same type as the basis product, or a type having one or more similar functional aspects. Values of characteristics may require reformatting and/or normalization to facilitate comparison. A list of candidates, ranked by goodness scores, may be prepared. | 2014-09-11 |
20140258044 | PRICE SCORING FOR VEHICLES - Vehicle pricing such as used vehicle pricing is improved by supplementing statistical modeling techniques with additional algorithms to accommodate factors such as geography and dealer reputation that do not readily yield to regression analysis or similar tools that might be used to characterize a population. | 2014-09-11 |
20140258045 | COLLECTING AND DISPLAYING PRICE INFORMATION - A service for pricing items of inventory contained in a searchable database is available for access via the Internet. Where multiple items can satisfy a consumer's request, it is typical for a service to perform an inventory search for items that match a consumer's request. When the inventory is stored in an inventory database, the inventory database is queried for the purpose of retrieving a result set which matches the consumer's request. A separate fare server database containing inventory recently known to be available, located local to the Internet server for fast and efficient access, can also be provided for performing searches related to the consumer's request. Some inventory, even though recently known to have been available, is filtered out before being stored in the fare server database and inventory is removed when outdated, no longer available or purchased. Searches that are less specific than the search performed in the inventory database based on the consumer request can be performed in the fare server database to retrieve information about similar inventory. In addition to displaying the result set from the inventory database to the consumer, a market summary can be presented to the consumer that reflects information concerning similar inventory. Information from the searches in the fare server database forms the basis for providing the market summary. A consumer is also given the option to purchase the similar inventory returned from the fare server database. As a result, a consumer is not only more informed about the market for which a purchase is being considered, but also has the additional option to purchase similar inventory. A consumer can also directly query the fare server database for flexible searching and for fast and efficient access to market information. The fare server database can be used for multiple client services. | 2014-09-11 |
20140258046 | METHOD FOR MANAGING A TRANSACTION - A method of managing a transaction between a user intending to acquire a product and a merchant offering products. The user has a first terminal for communicating with said merchant and a second terminal for communicating with the financial institution. At least one transmission during the transaction is performed by near field communications. In addition, security is enhanced because longer validation codes can be used by the method. | 2014-09-11 |
20140258047 | METHOD AND PROCESS FOR PROVIDING RELEVANT DATA, COMPARING PROPOSAL ALTERNATIVES, AND RECONCILING PROPOSALS; INVOICES, AND PURCHASE ORDERS WITH ACTUAL COSTS IN A WORKFLOW PROCESS - The present invention provides a process and system for matching buyers and sellers of either goods or services, or goods and services for a project. The invention enables a buyer to specify a project in terms of physical, functional, temporal, financial, and transactional parameters that can be automatically converted, by the present invention, into at least one request for either goods or services, or goods and services to perform work related to the project. The requests are suitably provided to at least one seller. Upon receiving a request, the seller may submit a response to the request, as desired. The invention provides a forum for the negotiation of any agreements and the formation of contracts to provide the requested, or alternative goods or services, or goods and services, as well as reconciliation of purchase orders, actual field costs, and invoices. | 2014-09-11 |
20140258048 | INFORMATION MATCHING SYSTEM - Systems, methods and computer readable media for information matching are disclosed. For example, leads (e.g., buyers or prospective franchisees) can be matched with companies (e.g., franchisors). Lead information forms can include user definable fields. The system can provide a lead preview based on fields selected by a user (e.g., a seller or a franchisor). | 2014-09-11 |
20140258049 | Retail Website User Interface - In one embodiment, a web page presented to a user includes a header section that substantially spans the top of the web page and provides a menu of selectable options as well as a search input box. A product display region may be presented below the header and display images and information about a selected product. A product carousel may be presented below the product display region and show information about other products in a horizontally scrollable list. Two columns of various types of product review information provided by sources such as professional reviewers, existing owners, and the user's friends may be displayed below the product carousel. A sortable and filterable grid of products may be displayed below the review information such that the user's attention is drawn to the variety of products available for purchase. | 2014-09-11 |
20140258050 | Store Feature Item Finder - A system and method of selecting items from an inventory for stocking a display in an enterprise includes receiving a request over a network from a user device to stock a display in the enterprise with items. A type of the display is ascertained. Inventory is analyzed to determine one or more types of items that are available in the inventory and suitable, based on one or more selection criteria, for stocking the type of the display. A response to the request is sent to the user device identifying, based on the analysis of the inventory, each type of item determined to be available in the inventory and suitable for stocking the display. | 2014-09-11 |
20140258051 | POINT OF SALE SYSTEM, INVENTORY SYSTEM, AND METHODS THEREOF - An inventory management system includes: a mobile communication device; and a server configured to communicate with the mobile device. The server is configured to communicate inventory information from an inventory database to the mobile communication device and the mobile communication device is configured to communicate inventory update information to the server, and the server is further configured to update the inventory database based on the inventory update information. | 2014-09-11 |
20140258052 | DATA CENTER INFRASTRUCTURE MANAGEMENT SYSTEM HAVING REAL TIME ENHANCED REALITY TABLET - A system is disclosed which is adapted to manage assets in a predetermined environment. An identification (ID) device may be disposed on at least one of a specific asset or an equipment rack in which the specific asset resides. A mobile electronic device may have a processor having processor executable code; a display; a camera for obtaining an image of the ID device; and a memory for storing asset information concerning a plurality of different assets. The executable code may be used to determine in real time, from the image and the stored asset information, information pertaining to the specific asset. The information may be displayed on the display. | 2014-09-11 |
20140258053 | SYSTEM AND METHOD FOR ACCOUNTING OF FINANCIAL INSTRUMENTS - Embodiments of the present disclosure provide systems and methods for accounting of financial instruments. The accounting method for financial instrument may include receiving financial instrument data and classifying the financial instrument data into position components. The financial instrument data may be classified into position components based on three distinctions. The first distinction may determine whether the position component is operational or analytical. The second distinction may determine whether the position component is dependent or independent on a value-date. The third distinction may determine whether the position component is event-driven, deterministic or stochastic. The financial instrument accounting may be performed using the financial instrument data classified into the position components. | 2014-09-11 |
20140258054 | SYSTEMS AND METHODS FOR FINANCIAL ACCOUNTING - An accounting system is configured to record single entry transactions (e.g., cash receipts, cash disbursements, accounts payable, payroll payable, legal commitments) and to generate, in response to a selection by a user made after the transactions have been recorded, a selected one of a cash basis report and a budgetary basis report. Other systems and methods are provided. | 2014-09-11 |
20140258055 | SYSTEM AND METHOD FOR A GIFT TRACKER - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for a gift tracker portal that provides an interface to view and manage a history of gift transactions, and provides an interface to give gifts. In this gift tracker interface, a user can view a history of gifts given and received, and can view the status of each individual gift. The system can import gift transactions from other sources, as well as include gift transactions processed by the system itself. The gift tracker system can receive gift transaction history data associated with a user, provide an interface for accessing the gift transaction history data, and receive, via the interface and on behalf of the user, a request associated with the gift transaction history data. Then the gift tracker system can respond to the request. | 2014-09-11 |
20140258056 | Method of Automatic Tax Transaction - A Method of transaction for payment of taxes electronically and interfacing between the sellers of goods and services and a fund depository account is introduced to ease the burden of manual check writing or manual payment transfer of taxes by a seller from a purchaser of good or service, the process is includes on time management of funds and easy and automated process of making all tax payment by using the current tax and banking infer structure, without spending extra time and effort to figure out the tax collected and tax returned manually | 2014-09-11 |
20140258057 | Method and System to Automatically Track User's Time of Using Mobile Computing Device for Purpose of Billing Clients - A computer-implemented method and system for managing billable hours, the method including the selecting a client from an electronic client directory upon receiving the client's contact for a service; the launching a digital timer for the selected client to record time spent for the requested service; stopping the timer when the service provided for said contact is done; an updating the client's account with the recorded time. | 2014-09-11 |
20140258058 | COST MANAGEMENT SYSTEM, COST MANAGEMENT APPARATUS, AND COST MANAGEMENT METHOD - A cost management system includes one or more computers. At least one computer includes an obtainment part configured to obtain usage information of a device; a first storage part configured to store identification information having the usage information associated therewith; a determination part configured to determine a billing destination associated with a cost relating to the usage information based on the identification information having the usage information associated therewith, stored in the first storage part; a generation part configured to generate billing information associated with the cost to the billing destination; and an output part configured to output the billing information. | 2014-09-11 |
20140258059 | INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING APPARATUS, METHOD OF CONTROLLING AN INFORMATION PROCESSING APPARATUS, AND PROGRAM - An information processing system that performs data processing based on trade information includes a trade information acquiring part which acquires the trade information; a rule information storing part which stores first rule information applied to trade amounts contained in the trade information and second rule information applied to invoice data that are produced based on the first rule information; and a workflow control part which controls the invoice data that are produced based on the first rule information so that the invoice data are stored based on the second information. | 2014-09-11 |
20140258060 | Method and Apparatus for Automated Bill Timeline - A computer-implemented method for displaying a plurality of bill due dates, the method comprising: displaying an account identifier for each bill in the plurality of bills; showing a timeline with a due date indicator for each bill in the plurality of bills, the timeline disposed proximate to the account identifier; and wherein each of the account identifiers and timelines are disposed along an axis relative to the other account identifiers and timelines | 2014-09-11 |
20140258061 | DETERMINING EFFICIENT INTERACTION PATH FOR A CUSTOMER - Embodiments of the invention are directed to systems, methods and computer program products for providing an efficient interaction path for a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information for at least two interaction paths associated with the financial institution physical location; compare the interaction efficiency information for the interaction paths to determine a most efficient interaction path for the customer; and provide, to the customer, information associated with the determined most efficient interaction path for the customer. Some embodiments determine an expected business of the customer visiting the financial institution physical location; and determine the interaction efficiency information for the at least two interaction paths associated with the financial institution physical location based at least in part on the determined expected business of the customer. | 2014-09-11 |
20140258062 | LOAD BALANCING OF FINANCIAL INSTITUTION CHANNELS - Embodiments of the invention are directed to systems, methods and computer program products for balancing a load of financial transaction channels. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine load information for at least two interaction paths associated with the financial institution physical location; compare the load information for the interaction paths; determine, based on the comparison of the load information for the interaction paths, an interaction path to recommend to the customer; and provide, to the customer, information associated with the recommended interaction path. In some cases, the load information includes a capacity percentage corresponding to the capacity of the interaction path with respect to a predetermined full capacity for each of the interaction paths. | 2014-09-11 |
20140258063 | AUTOMATED FINANCIAL DATA AGGREGATION - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for data aggregation. The methods, systems, and apparatus include determining whether a site-specific script for extracting financial data from a particular financial institution website is available; in response to determining that a site-specific script for extracting financial data from the particular financial institution website is not available, generating a site map of web pages and web page segments in the financial institution website, wherein the site map is generated based on at least in part on a statistical analysis of web pages and web page segments that are not in the financial institution website; generating, based on the site map of the financial institution website, a site-specific script for extracting financial data from the financial institution website; and extracting, for one or more users, financial data from the particular financial institution website using the generated site-specific script. | 2014-09-11 |
20140258064 | RIGHTS ESTABLISHING SYSTEM AND METHOD - A system and method for providing a present consideration to a consumer and coincidentally establishing a future right for a holder to offer or to provide, at the holder's option, goods or services in response to a trigger event. | 2014-09-11 |
20140258065 | COMMODITY CONTRACTS DELIVERY ALLOCATION - For each of in source locations, a number of commodity contract short positions may be determined. Each of the short positions may correspond to an obligation of a short position holder to make delivery of a commodity within a predefined time period, and may further correspond to one of the in source locations. For each of n destination locations, a number of commodity contract long positions may be determined. Each of the long positions may correspond to an obligation of the long position holder to receive delivery of the commodity within the predefined time period, and may further correspond to one of the n destination locations. Short and long positions may be allocated among each of one or more of the source-destination pairs. | 2014-09-11 |
20140258066 | Method for Automating Trend Qualification and Anchored Support/Resistance - A method for determining swing points on any and all unfettered exchanges where price and volume data are collected and published. A method for determining support and resistance bars from the same data source. A process whereby swing points and support and resistance bars are examined to determine and qualify trends, to create support and resistance anchor zones, trend and trade probability failure rates, trading signals and derivative indicators based on qualified trend. Methods for the displaying this information through a trading cube, neoclassical charts, trend transition tables, and support and resistance zones. | 2014-09-11 |
20140258067 | SYSTEM AND METHOD FOR FINANCIAL DATA GAP DETECTION - A system and method provides for the detection of at least one gap in a value distribution for a security across a time period. The system and method receives value data for the security indicating high and low value data points. For each time interval, the system and method compares the value data for a first interval with the value data for a second interval to detect potential gap data. The method and system compares the potential gap data against future time intervals to detect value data within the potential gap data to determine actual gap data when value data for future time intervals is outside the potential gap data. The method and system computationally assembles and displays the value data actual gap data over the time period. | 2014-09-11 |
20140258068 | SYSTEM AND METHOD FOR SEQUENTIAL COUNT VISUAL INDICATOR - A system and method provides for analysis and graphical display of a sequential counter for financial data. The system and method includes receiving a plurality of financial data relating to an equity, the financial data including value data of the equity over a plurality of time intervals and selecting a counting algorithm from a plurality of algorithms, for application to the financial data. The system and method further includes detecting a plurality of value steps within financial data, the value steps determined based on parameters of the counting algorithm and performing a sequential counting of the value steps based on the counting algorithm. The method and system further generates a user recommendation for the equity based on the counting and generates a graphical display including the financial data, a secondary display of the sequential counting of the value steps adjacent to the financial data, and the user recommendation. | 2014-09-11 |
20140258069 | System and Method for Changing the View of a Trading Screen - A trading screen displays market information, such as working orders, buy and sell orders, and other items of interest, in association with values on a value axis. Each item of interest is therefore displayed in relation to the value axis to provide a trader with an intuitive display of the market. In one embodiment, a user can select a location associated with a particular value on the trading screen and upon an selection, for example, by a click of the mouse button, the value axis is repositioned so that the selected value is moved to a predefined location. During which, market information is moved to new locations that are associated with their respective values on the value axis. | 2014-09-11 |
20140258070 | METHOD AND SYSTEM FOR ADMINISTERING THE HEDGING OF AN EMPLOYEE DEFERRED COMPENSATION PLAN USING SWAPS - A method and system for administering the hedging of an employee deferred compensation plan, e.g., which employs hedging of NQDC plan liabilities using total return swaps and/or put and call options and/or forwards, for tax purposes. A plan coordinator coordinates a transfer of information between an employer/plan sponsor, a plan administrator that communicates with the employees/plan participants, and a balance sheet provider. The plan coordinator receives and reconciles data and then calculates and modifies relevant information for tax purposes and use in reports that are provided to the plan sponsor and balance sheet provider. Calculations and modifications lot tax purposes allow the plan sponsor to reap tax benefits from the NQDC plan swap hedge. The reports include an upcoming transactions report, which indicates new compensation deferrals, reallocations of previously deferred compensation among specified indices, and withdrawals. | 2014-09-11 |
20140258071 | METHOD AND SYSTEM FOR CREATING AND TRADING SELLER-PAID MARGIN DERIVATIVE INVESTMENT INSTRUMENTS - Systems and methods for creating, disseminating and managing margin for a seller-advanced margin derivative investment instrument are disclosed. In one aspect, a seller-advanced margin derivative investment instrument is defined where a seller pre-pays a margin requirement that a buyer typically pays initially as required by an exchange. In another aspect, a collateral management service associated with a clearing entity for an exchange identifies, tracks and notifies seller and buyer clearing firms of margin charges and credits relating to seller-advanced margin derivative investment instruments. | 2014-09-11 |
20140258072 | METHODS, SYSTEMS, AND MEDIA FOR EXECUTING TRADES IN FINANCIAL INSTRUMENTS - A central counterparty receives a contract having transaction terms associated with an interest rate swap (IRS) and a position of a security, the transaction terms including an expiration date. Upon the expiration date and in a case of a physical settlement of the contract the IRS is generated based on the transaction terms. The central counterparty facilitates delivery of the security from a second counterparty to a first counterparty and starting on a specified date after the expiration date, receives payment of a fixed side of the IRS from the first counterparty, pays the fixed side of the IRS to the second counterparty, receives a floating side of the IRS from the second counterparty, and pays the floating side of the IRS to the first counterparty. In a case of a cash settlement of the contract and upon a specified date after the expiration date the contract is cash settled based on a market value of the contract. | 2014-09-11 |
20140258073 | CURRENCY EXCHANGE METHOD - A plurality of customers are connected via their work stations | 2014-09-11 |