46th week of 2015 patent applcation highlights part 50 |
Patent application number | Title | Published |
20150324822 | PREDICTING TRANSIENT POPULATION BASED ON PAYMENT CARD USAGE - A system and a method for predicting the transient population of a geographic location or region using point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a transient population at any given time, or predicting or determining the present transient population. The logic can be tested against transaction data to qualify its accuracy. Statistical techniques are used to develop the logic with a sample of payment cardholders during an analytical phase. The logic can be applied to a broader universe of cardholders to ascertain a higher level of confidence that can be assigned to the prediction. | 2015-11-12 |
20150324823 | METHOD AND SYSTEM FOR IDENTIFYING ASSOCIATED GEOLOCATIONS - A method and a system are provided for identifying associated geolocations. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information including external information. The method further includes analyzing the first set of information and the second set of information to construct (i) one or more definitions of geography, (ii) one or more definitions of time, and (iii) one or more payment card holder lists by geography and by time period to identify payment card holder overlap, and creating one or more groupings of geographies and time periods based on the payment card holder overlap. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships. | 2015-11-12 |
20150324824 | FACILITATING DEMOGRAPHIC ASSESSMENT OF INFORMATION USING TARGETED LOCATION OVERSAMPLING - Demographic assessment of information is facilitated using targeted location oversampling. In one example, a device determines mobile devices communicatively coupled to a base station device associated with a first defined region, wherein the first defined region is relative to a defined location of interest. The device can transmit a set of instructions to the mobile devices that instruct the mobile devices to power on respective location information components configured to transmit location information. The respective location information can be configured to transmit respective global positioning system information for the mobile devices. The device can also determine which ones of the mobile devices are within a second defined region based on respective location information received from the mobile devices. | 2015-11-12 |
20150324825 | AUTOMATED IDENTIFICATION OF GEOGRAPHIC AUDIENCE BASED ON STORED MARKET DATA - A server for identifying one or more audience opportunities for a target product, based on stored marketing data is provided that solves the above-described problem by using an automated process that aids publishers in identifying and, taking advantage of, audience opportunities for the target product. The server is configured for defining at least one existing comparable product that matches one or more characteristics of the target product, reading social media data and sales data for the target product, reading social media data and sales data for the comparable product, calculating one or more audience opportunities for the target product based on the data that was read, ranking the one or more audience opportunities for the target product based on the stored marketing data, which comprises consumer behavior data, and displaying the audience opportunities and the corresponding rankings in a geographic map. | 2015-11-12 |
20150324826 | SERVER DEVICE, SOFTWARE PROGRAM, AND SYSTEM | 2015-11-12 |
20150324827 | System and Method for Advertisement Feedback, Incentives, Rewards and Social Discovery of Advertisements - A system for providing advertising content feedback, incentives and rewards and methods for making and using same. Embodiments include providing a personalized presentation of advertising content, providing the ability to receive feedback regarding advertising content, sharing advertising content with friends, and receiving incentives and/or rewards for providing feedback, sharing content, or having friends purchase goods or services related to advertising content. | 2015-11-12 |
20150324828 | Commerce System and Method of Providing Communication Between Publishers and Intelligent Personal Agents - A commerce system is controlled by a shopping agent including an application programming interface. A publisher receives information from the shopping agent via the API. Content is published based on the information received from the shopping agent. The content includes a histogram. The content includes a recipe. The content is published on a website or in a printed newspaper or magazine. A portion of the content is optically scanned using a mobile device. The optically scanned portion of the content includes a Quick Response code. The mobile device adds a plurality of products to a shopping list maintained by the shopping agent in response to the optically scanned portion of the content. The product is selected from a consideration set. A personalized offer for the product is redeemed at a retailer using the mobile device. An affiliate fee is paid to the publisher after the personalized offer is redeemed. | 2015-11-12 |
20150324829 | SYSTEMS AND METHODS FOR OPERATING A LOYALTY PLATFORM FOR GAMES AND INTERNET-CONNECTED APPLICATIONS - Systems and methods for operating a loyalty platform for Internet-connected applications that may be utilized on a plurality of hardware platforms are provided. These systems may include a points, status and rewards administration center communicating with one or more Internet-connected applications. Users may be presented with opportunities to earn modifiers that may drive specific user behavior in an Internet-connected application, including but not limited to influencing the user to purchase items within the Internet-connected application, increase his/her usage of the Internet-connected application, or complete certain activities within the Internet-connected application. The system's administration center may maintain information on users' behaviors, points, rewards and status across a plurality of Internet-connected applications that may be synced with the system and, based on a system of predictive analytics, may automatically present incentive recommendations to the developer of each Internet-connected application for one or more users. | 2015-11-12 |
20150324830 | REWARDS CARD RECOMMENDATION TOOL - Embodiments of the present invention provide apparatuses and methods that present reward accounts to users in order to help the users determine which reward accounts meet the spending habits of the users. In some embodiments the reward accounts may be credit cards, debits cards, other types of account cards, offer cards that can be used along with various payments methods, savings accounts, checking accounts, lines of credit, or any other like account that may be used for user expenses. Embodiments of the invention provide a reward account recommendation tool that may be utilized in a number of different ways to help users of reward accounts determine which reward accounts the users should utilize based on the user's expenses for various categories. | 2015-11-12 |
20150324831 | METHOD FOR PROCESSING CUSTOMER LOYALTY INFORMATION - A method comprises a step of obtaining an identification code of a product, a step of receiving a physical location of the product from a buyer, a step of noting geographical locations seller(s) of the product in the vicinity of the physical location of the product, a step of comparing the geographical location with the physical location, and a step of recording a sales transaction of the product if the geographical location is away from the physical location more than a predetermined distance. | 2015-11-12 |
20150324832 | System And Process For Controlling A Computerized Entertainment Property Playlist. - Disclosed is a process and a system for controlling a computerized entertainment property playlist comprising registering a user and also registering an owner of the entertainment property. Next, the user can select, or allow a system to select on their behalf, entertainment property units owned by the owner, to be played on a playlist. Next, the system can be configured to store information relating to the registered user, the registered owner, and the media units in at least one database. Next, process can result in exporting the playlist via instructions sent by a microprocessor to at least one additional database. Next, the system can involve playing the entertainment property, or syncing multiple entertainment properties, on the playlist. Finally the system can involve rewarding the user based upon a number of units played of the media units and a duration of play of each of these media units. | 2015-11-12 |
20150324833 | Commerce System and Method of Providing Manufacturer Agents for Managing Sales and Purchasing Decisions - A commerce system is controlled by a shopping agent and a manufacturer agent. A retailer provides the manufacturer agent. An intent to buy is generated using a camera of a mobile device. The intent to buy is received with the shopping agent. The intent to buy is transmitted to the manufacturer agent. The intent to buy is read from the manufacturer agent using an application programming interface. A negotiation is performed between the shopping agent and manufacturer agent to generate a personalized offer for a specific product satisfying the intent to buy. The specific product is selected from a consideration set. The specific product is purchased at the retailer. The personalized offer is redeemed by scanning a loyalty card at a point-of-sale station of the retailer. A commission is paid to the retailer to load the personalized offer on the loyalty card. | 2015-11-12 |
20150324834 | SYSTEM AND METHOD FOR CARD LINKED REWARD EXCHANGE ACCOUNT - A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access. | 2015-11-12 |
20150324835 | REBATE PROGRAMS ADMINISTERED VIA PAYMENT PROCESSING SYSTEM BASED ON MERCHANT-AGGREGATED DATA - A customer rewards system includes a plurality of merchant point of sale (POS) terminals, a merchant computer, a rebate computer having a rebate computer processor operably connected to a storage device, and a payment system. The rebate computer receives, from the merchant device, a batch of transaction data of items purchased by cardholders, tracks purchases of a plurality of cardholders related to certain items purchased during a predetermined period of time, determines that a particular cardholder qualifies for a rebate amount, generates a payment transaction request that includes a special rebate account number of a special rebate account for funding rebates, and transmits the payment transaction request to the payment system to credit the rebate amount to a payment card account of the cardholder. | 2015-11-12 |
20150324836 | METHOD AND SERVER FOR MANAGING ADVERTISEMENTS - A method and server for managing advertisements are provided. The method and server attract a searcher's attention by a contest among a plurality of items extracted in relation to a search word, give a predetermined benefit according to contest ranks, and provide an advertisement of an advertiser supporting the benefit to the searcher, thereby maximizing advertising effects. The method includes receiving, at a receiver of an advertisement managing server, a search word input by a searcher, providing, at a contest space provider of the advertisement managing server, a contest space to the searcher to hold a contest among a plurality of items related to the search word and including link information, determining, at a contest rank determiner of the advertisement managing server, contest ranks of the items in consideration of the number of links, providing, at a benefit provider of the advertisement managing server, a benefit corresponding to the determined contest ranks, and providing, at an advertisement provider of the advertisement managing server, an advertisement of an advertiser supporting provision of the benefit to the searcher. | 2015-11-12 |
20150324837 | TECHNIQUES FOR CO-USAGE ADJUSTMENT OF AUDIENCE VERIFICATION - Techniques are provided for generating adjustment factors, on a per-demographic-group basis, to compensate for errors in audience verification statistics caused by co-usage of devices. The adjustment factors are based on a comparison of (a) per-group counts produced by applying one audience verification approach to a set of exposures, to (b) per-group counts produced by applying another audience verification approach to the same set of exposures. For example, the first per-group counts may be produced under the assumption that the user to whom content is exposed is the owner of the device, and the second per-group counts may be produced by obtaining demographic information directly or indirectly from a user at the time the user is exposed to the content. | 2015-11-12 |
20150324838 | Systems and Methods for Evaluating Effectiveness of Campaigns Through Use of Transaction Amount Markers - Systems and methods for evaluating effectiveness of campaigns are disclosed. One exemplary method includes identifying a promotional campaign offered by a merchant during an offer period including an offer of a commodity at a predetermined price, and compiling a first set of payment accounts based on each payment account including a transaction to the merchant at the predetermined price within the offer period. The method also includes correlating the first set of payment accounts to a second set of payment accounts based on at least one identifying criteria associated with transactions to the payment accounts during a correlation period, which is different than the offer period. The method further includes generating and storing a comparison between the first set of payment accounts and the second set of payment accounts for transaction data during the offer period, to thereby indicate an effectiveness of the campaign. | 2015-11-12 |
20150324839 | Method And Apparatus For Payment, Return On Investment, And Impact Reporting - The unified payment system, product and method provide an effective and efficient way to better communicate to a merchant the value of running a promotion and determine a deal structure that works for the merchant, the customer, the promotion system, or any combination thereof. The unified payment system, product and method provide real-time ROI calculations that a merchant and sales representative can collaboratively simultaneously work on to identify a deal structure for the merchant to select. In this way, the merchant and sales representative may arrive at a mutually acceptable payment plan. | 2015-11-12 |
20150324840 | SYSTEMS AND METHODS FOR RENDERING AUTOSTEREOSCOPIC THREE-DIMENSIONAL ONLINE ADVERTISEMENTS - Systems and methods for rendering three-dimensional (3D) online advertisements on electronic devices are described. An advertiser provides a two-dimensional (2D) version of an advertisement, and the 2D version is converted to a 3D format appropriate for rendering for display on a particular electronic device. The conversion from 2D to 3D can be done online or offline, and the converted 3D versions are tagged by format for storage in a database for subsequent retrieval. The advertiser further specifies targeting options for the 3D ad, and the 3D version of the ad is rendered only for ad inventory meeting the targeting options, where the targeting options can specify conditions under which a 2D version of the ad is rendered and conditions under which a 3D version of the ad is rendered. | 2015-11-12 |
20150324841 | CONTEXT-SENSITIVE ADVERTISING FOR INTERNET PROTOCOL TELEVISION - A method in a server device for context-sensitive advertising is described. The method includes receiving a first request for an advertisement from a first client device. The method further includes determining, based upon the first request, an account associated with a second client device. The method further includes transmitting a message to the first client device to cause the first request for the advertisement to be fulfilled with a targeted advertisement that is selected based on a media program played by the second client device. | 2015-11-12 |
20150324842 | Method of actively providing advertisement - Disclosed is a method of actively providing an advertisement. The method includes: inputting a keyword by inputting information containing the keyword in a user application installed in a user terminal through an input function provided from an operating system of the user terminal; transmitting the keyword by transmitting the information containing the keyword to an advertisement providing server through an advertisement application installed in the user terminal independently from the user application, wherein the advertisement providing server communicates with the advertisement application separately from the user application; analyzing the keyword by analyzing the information containing the keyword by the advertisement providing server; determining an advertisement by the advertisement providing server, based on a result of analyzing the keyword; and displaying the determined advertisement on a display unit of the user terminal through the advertisement application. | 2015-11-12 |
20150324843 | System and Method for Capturing, Processing, and Presenting Information - A system and method for capturing, processing, and presenting information includes having customers provide initial information and additional information for use in creating a product for presenting all or a portion of the provided information. A feature of the system and method includes mining the customer-provided information to include other relevant information, not directly supplied by the customer, in the product. A further feature of the system and method includes using the customer-provided information to generate targeted advertising in the form of targeted coupons or other offers for the customer. A further feature of the system and method includes inviting the customers to create an online registry to provide information for use in creating the product. | 2015-11-12 |
20150324844 | ADVERTISING MARKETPLACE SYSTEMS AND METHODS - According to at least one embodiment, a system including a memory, at least one processor coupled to the memory, and a user identifier component is provided. The user identifier component is executable by the at least one processor. The user identifier component is configured to receive historical usage data; determine fingerprints from the historical usage data; identify clusters of fingerprints having a calculated similarity greater than a threshold; and associate the clusters with a user. | 2015-11-12 |
20150324845 | SERVER SYSTEM FOR LIMITING SELECTION OF CONTENT TO PREFERRED CONTENT PROVIDERS - The invention is a neutral, real-timed internet exchange. Content providers and web site publishers interact through a broker who communicates directly with the exchange. When a site from a publisher that is brokered on the exchange is accessed by a user, a real time selection is held on the exchange. During the selection, information about the site and the user is communicated to the brokers. The brokers consult the strategies for their content providers to determine whether the content of the content providers should be placed on a web page. The exchange selects a content provider to place content on the web page. | 2015-11-12 |
20150324846 | USING CARD-LINKED OFFER DATA TO DETECT USER INTERESTS - Aspects of the present invention utilize card-linked offer data to determine a user's interests. In one aspect, the card-linked offer data is analyzed by a card-linked offer system to determine user interests. The user interests are then transferred to other applications, such as a search engine or advertising system, that use the interest information to select relevant content. In another aspect, the card-linked offer data is transferred to other applications that use the data to determine user interests. The card-linked offer data may be combined with other information, such as a user's browsing history, search history, social network posts, and such, to determine a user's interest. | 2015-11-12 |
20150324847 | ATTRIBUTION OF RESPONSES TO ADVERTISING - A facility for analyzing electronic advertising is described. The facility determines that a particular client device has been used to activate a first advertising message for a particular cause. In response, the facility identifies a second advertising message for that cause that was presented on the same client device at a time before the first advertising message was activated. In response, the facility determines that the activation of the first advertising message is at least partly attributable to the presentation of the second advertising message. | 2015-11-12 |
20150324848 | Dynamic Presentation of Targeted Information in a Mixed Media Reality Recognition System - A context-aware targeted information delivery system comprises a mobile device, an MMR matching unit, a plurality of databases for user profiles, user context and advertising information, a plurality of comparison engines and a plurality of weight adjusters. The mobile device is coupled to deliver an image patch to the MMR matching unit which in turn performs recognition to produce recognize text. The recognized text is provided to a first and second comparison engines to produce relevant topics and relevant ads. The relevant topics and relevant ads are adjusted with information from a user context database including information such as location, date, time, and other information from a user profile. The third comparison engine compares the relevant topics and relevant ads to produce a set of final ads that are most related to the topics of interest for the user and delivered for display on to the mobile device. | 2015-11-12 |
20150324849 | EMAIL SIGNATURE ADVERTISEMENT TARGETING - Methods, systems, and computer program products are provided for information presentation. In one implementation, a method is provided. The method includes generating a message, identifying suggested content to be included with the message, suggesting one or more of the suggested content items to a user, receiving a user input with respect to the one or more suggested content items, and sending the message according to the user input including one or more selected content items of the one or more suggested content items. | 2015-11-12 |
20150324850 | SYSTEM AND METHOD FOR AUTOMATICALLY PROVIDING VIRTUAL CUSTOMER-PERSONALIZED CONTENT IN A RETAIL COMMERCE ENVIRONMENT - A method and system for automatically providing virtual customer-personalized content in a retail commerce environment, the method and system enabling a customer to receive a physical transaction-related article including at least computer-readable transaction-derived data which may or may not relate to a transaction of the customer in the retail commerce environment, at least part of the computer-readable transaction-derived data on the physical transaction-related article being scannable, by the customer and automatically employing the at least part of the computer-readable transaction-derived data to automatically provide virtual customer-personalized content corresponding to at least part of the at least part of the computer-readable transaction-derived data. | 2015-11-12 |
20150324851 | Location Based Marketing System and Method - A system and method for providing marketing and advertising information utilizes hyper-location to determine what types of or the content of relevant information to display to one or more end users. In various embodiments, the hyper-location is determined from or transmitted by beacons that communicate with portable electronic devices carried by the end users. The hyper-location information may be specific geographic locations of the beacons and or end users or may be specific locations relative to other locations, such as a position within a store or venue. | 2015-11-12 |
20150324852 | GEOGRAPHIC ADVERTISING USING A SCALABLE WIRELESS GEOCAST PROTOCOL - Geographic advertising utilizes a location of a mobile communications device to infer potential interest in a product and/or service. A scalable network protocol is utilized to provide advertisements, coupons, discounts, or the like, to mobile communications devices that are within a select geographic area or areas. A geographically addressed message is formulated based on the location of a potential customer and the content to be provided to potential customer. A message is generated at the time it is sent based on a current location of mobile communications device in the select geographic area. A protocol is utilized that replaces an IP address with a geographic location. | 2015-11-12 |
20150324853 | Release Date Notification System - An application software for smartphones and tablets works with a cooperating website. The app will compile a calendar and notify the user of the dates of release or availability of selected events, media and/or products, based on a targeted item database compiled by the user and stored locally on the smart device as well as remotely accessible through the website. Items can be added to the database by voice commands or keyboard entries to the smart device or by password-protected website access. Each time the app is activated, it contacts the website to launch a web crawler which retrieves and/or updates the relevant release dates. Optionally, the app/website can also retrieve price information, determine the lowest price vendor, and complete purchase transactions. | 2015-11-12 |
20150324854 | ADVERTISING CREATIVE AND APPLICATION DELIVERY TO COMPUTING DEVICES - A method is performed by a computing device. A request is sent comprising request data, the request data comprising one or more identifiers. Payload data is received, where the payload data includes advertising creative retrieval data and application retrieval data for downloading one or more application installation files for an application, where the advertising creative is associated with the application. The advertising creative is downloaded. If the application is not installed on the computing device, the one or more application installation files are downloaded. An advertising creative display opportunity is generated. The advertising creative is displayed in the advertising creative display opportunity. If a user interaction with the advertising creative is detected and the application is not installed on the computing device, the application is installed from the downloaded one or more application files. | 2015-11-12 |
20150324855 | METHOD AND SYSTEM FOR PROVIDING ADVERTISEMENT TO A USER OF A COMMUNICATION NETWORK - Disclosed is a method for providing advertisement to a user of a communication network. An advertisement database stores an association between the identifier of a further user and at least one visual advertisement associated with and selected by the further user. When a communication session is set up in the communication network between the user and the further user, an advertisement manager uses the identifier of the further user for retrieving from the advertisement database a visual advertisement selected amongst the visual advertisements associated with the further user. The advertisement manager then transmits the selected visual advertisement to the user for display on a display of the user device. | 2015-11-12 |
20150324856 | ADVERTISEMENT UNIT AND A METHOD THEREOF - A method is disclosed for displaying two series of content items simultaneously on a certain screen area. The method includes receiving user signals regarding user attention to the already displayed items of a first series of text items, extracting an indication that the user attention is focused outside a certain zone, and displaying a second series of content items on the certain zone. The second series of content items may include advertisements, textual items or images. The certain screen area may serve a mobile device having a touch screen. Alternatively, the user signals are provided by tracking a user eye. The user signals may indicate that the user scrolls the first series of content items in a certain direction for displaying further content items of the first series exposable at the certain direction while hiding instantly uninterested content items located in a countering direction. Thereby, the user signals identify a certain zone in the countering direction as being outside the user attention. The second series of content items is gradually displayed while propagating in a direction substantially perpendicular to the certain direction. | 2015-11-12 |
20150324857 | CROSS-PLATFORM ADVERTISING SYSTEMS AND METHODS - The present disclosure provides a method for aggregating user data from multiple data sources for use in mobile targeted advertising, comprising receiving a first data set and a second data set. The first data set comprises a mobile device identifier that uniquely identifies a mobile electronic device of a user and a first non-mobile identifier. The second data set includes the first non-mobile identifier and a second non-mobile identifier. Next, the first data set is compared to the second data set to identify the first non-mobile identifier as a match between the first data set and the second data set. The mobile device identifier is then associated with the second non-mobile identifier to generate a profile of the user that is stored in computer memory in a manner that is indicative of an association between the mobile device identifier and the second non-mobile identifier. | 2015-11-12 |
20150324858 | MESSAGING WITH GREETING CARD AND GIFT OPTION - A messaging solution that provides for creating and embedding gift cards into a text message or multi-media message. The inclusion of the gift card may be invoked when a user is sending a greeting card or, a user may directly invoke the sending of a gift card, or similarly a subscription. | 2015-11-12 |
20150324859 | NOTIFYING A USER ABOUT RELEVANT DATA FOR OPPORTUNITIES - Notifying a user about relevant data for opportunities includes obtaining, from a database, opportunities, the opportunities representing a complex record structure in the database, in which each of the opportunities captures a number of fields of metadata, analyzing the metadata associated with the opportunities to identify patterns for the opportunities, identifying, based on the patterns, correlations for the opportunities, and notifying, based on the correlations, the user about relevant data for the opportunities. | 2015-11-12 |
20150324860 | REAL-TIME SOCIAL GROUP BASED BIDDING SYSTEM - There are provided a system, a method and a computer program product for creating the social group whose participants are involved in an online conversation. The system aggregates data associated with the online conversation and a group profile, of the social group. The system determines, based on the online conversation data and the group profile, a context of the online conversation and a goal of the social group. The system receives, based on the determined context and the goal, a first bidding from each provider, the first bidding associated with the determined context and the goal, the each provider providing one or more of: goods, services or discounts associated with the context and the goal. | 2015-11-12 |
20150324861 | METHOD AND DEVICE FOR OPTIMIZING INFORMATION DIFFUSION BETWEEN COMMUNITIES LINKED BY INTERACTION SIMILARITIES - A device (OD), intended for optimizing diffusion of information into communities of social network(s) represented by a graph, comprises: —an analysing means (ICE) for analysing this information to determine at least one meaningful concept defining it, —a building means (IRE) for building an ordered list of communities according to numbers of determined meaningful concepts matching respectively concepts associated to the communities of the list, —a filtering means (FM) for defining a group of target communities as entry points for initiating the diffusion of the information, by filtering this built ordered list, —a simulation means (DGCIS) for simulating the information diffusion on the graph (G), and —a processing means (PM) for allowing the choice of at least one target community into the defined group from at least the simulated information diffusion, and then for diffusing the information in each chosen target community. | 2015-11-12 |
20150324862 | METHODS AND APPARATUS FOR INITIATING COMMUNICATION BETWEEN PARTIES - The present disclosure relates to methods and apparatus for safely and securely initiating communication between parties. More particularly, the present disclosure relates to utilizing a logo as an indication of availability and as a means for a second party to show interest without requiring an exchange of personal information. | 2015-11-12 |
20150324863 | ADVERTISING WITH INTERACTIONS BETWEEN A USER AND AN ADVERTISED SUBJECT MATTER - Methods, devices, and computer program products for creating and presenting interactive advertisements are described herein. An interactive advertisement comprising one or more requested interactions may be created and presented to a user. An interaction may be, for example, capturing an image of a product, saying a brand name, visiting a location, or the like. The user may provide input responsive to the requested interaction, and the input may be validated. If the user successfully completes the requested interaction, the user may receive a reward or other compensation. Aspects of the methods, devices, and computer program products, such as interactive advertisements, requested interaction types, and compensation for completing a requested interaction, may be controlled or targeted based on user or advertiser preference. In some aspects, the interactive advertisement may be created by an advertiser or by an operator of an interactive advertising platform using a specially-programmed computing device. | 2015-11-12 |
20150324864 | METHOD AND SYSTEM OF ALLOCATING TO ADVERTISERS OF MARKETABLE COMMODITIES ON A DIGITAL ADVERTISING PORTAL A SHARE OF MARKETING PRESENCE AND/OR MARKETING OPPORTUNITIES - A computer-implemented method of allocating to advertisers of marketable commodities on a digital advertising portal a share of marketing presence and/or marketing opportunities is disclosed. The commodities may be real estate properties. The method includes receiving from each advertiser one or more classified listings corresponding to marketable commodities, said classified listings including one or more commodity descriptors to allow for identification of said marketable commodities. A share of marketing presence and/or marketing opportunities on said digital advertising portal is then allocated to the advertisers, based upon at least said classified listings received from said advertiser. The share of marketing presence may be determined by calculating a listing value for each classified listing, based on a listing weighting associated with each classified listing. The classified listings may then be used to calculate respective advertiser values, on which the marketing share is based. | 2015-11-12 |
20150324865 | ADVERTISING CAMPAIGN MANAGEMENT - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for development and management of campaigns based on advertising campaign goals. | 2015-11-12 |
20150324866 | Advertising Creative Delivery to Computing Devices - A method is performed by a computing device. A request including request data, the request data including one or more identifiers, is sent, by the computing device, to an ad decision server. Payload data, including advertising creative retrieval data for downloading one or more generated advertising creatives generated based at least in part on the request data is received asynchronously with respect to the request, by the computing device, from the ad decision server. One or more advertising creatives of the one or more generated advertising creatives is downloaded, by the computing device, based on the advertising creative retrieval data. An advertising creative display opportunity is generated by the computing device. A first advertising creative of the one or more advertising creatives is selected, by the computing device, based on advertising selection criteria. The first advertising creative is displayed, by the computing device, in the advertising creative display opportunity. | 2015-11-12 |
20150324867 | OBTAINING PROFILE INFORMATION FOR FUTURE VISITORS - Methods described herein include prefetching information for a future visitor to a webpage or other resource. Prefetching the information can allow a provider to customize the webpage or resource with reduced latency. The methods can include notifying an experience provider associated with an advertisement prior to the user requesting the webpage or other resource. The notification can provide identification information corresponding to the client device or user. The notification also indicates that the client device or au user is about to be directed to the webpage or other resource. The notification can allow for retrieval of profile information associated with the identification information prior to the direction of the client device to the webpage or other resource. | 2015-11-12 |
20150324868 | Query Categorizer - A system and method for receiving, by one or more processing devices, a search query containing one or more query terms from a remote computing device; determining, by the one or more processing devices, a query categorization of the search query based on one or more relevant query terms of the one or more query terms, the query categorization being indicative of one or more application categories to which the search query likely pertains; generating, by the one or more processing devices, an advertisement based on the query categorization; encoding, by the one or more processing devices, the advertisement in search results; and providing, by the one or more processing devices, the search results to the remote computing device. | 2015-11-12 |
20150324869 | CONTENT SYNDICATION IN WEB-BASED MEDIA VIA AD TAGGING - Methods and systems for providing advertisements for inclusion in video content. In one embodiment, a video is formatted into a specific format for advertising purposes. The format describes a standard for advertisement placement opportunities within a video in which a client device may select advertisements for display during these opportunities. | 2015-11-12 |
20150324870 | Method of Remotely Determining the Condition of a Used Electronic Device - A method of remotely performing a functional diagnostic and a cosmetic evaluation of a used electronic device, using an app installed on the device itself, and of using the evaluation data to determine a resale value for the device. | 2015-11-12 |
20150324871 | CONTEXTUALIZED FAIR RANKING OF CITIZEN SENSOR REPORTS - Various embodiments perform a fair ranking of citizen sensor reports. In one embodiment, a plurality of citizen sensor reports is received. Each of the plurality of citizen sensor reports is associated with a reporting target. At least one context event is identified for each of the plurality of citizen sensor reports. An impact factor is calculated for each the identified context events with respect to their citizen sensor reports. A rank is assigned to each of the plurality of citizen sensor reports with respect to each remaining citizen sensor report in the plurality of citizen sensor reports. The rank is determined based on at last a set of information within the citizen sensor report and the impact factor calculated for the citizen sensor report. | 2015-11-12 |
20150324872 | Matching Data From Various Channels - Systems, methods and apparatuses for receiving payment information via a first channel and receiving additional information via a second channel are provided. In some examples, a determination may be made as to whether the received payment information matches the received additional information. If so, the payment and additional information may be associated and used to identify an associated outstanding invoice. If not, a determination may be made as to whether a potential match exists. If so, additional processing may occur to determine whether the potential match is an actual match. | 2015-11-12 |
20150324873 | SYSTEM AND METHOD FOR AUTOMATICALLY TRANSITIONING CUSTOMERS FROM ONE SERVICE TO ANOTHER SERVICE - An instruction is transmitted from an end user to a first customer. The instruction indicates that end user desires to receive correspondences in a first format. A message is transmitted from the first customer to a data-processing system. The data-processing system updates its memory such that first customer is now subscribed to a service for sending correspondences to the end user in the first format. Additionally, the data-processing system automatically and dynamically performs a determination to establish whether the end user is associated with other customers. Based on the determination, a message is transmitted to a second customer in an attempt to transition the second customer from one service to another service. In response, the data-processing system receives a message from the second customer and updates its memory such that second customer is now subscribed to the service for sending correspondences to the end user in the first format. | 2015-11-12 |
20150324874 | PREPAYMENT-TYPE WATT-HOUR METER - Provided is a prepayment-type watt-hour meter including: a code recognition that recognizes a code image in which information on prepayment of a charge-based amount of electric power that is to be consumed by a load is stored as coded, and that recognizes the information on the prepayment that is stored in the code image; and a control unit that measures an amount of electric power consumption by the load, and that calculates the electric bill for the measured amount of electric power, based on the information on the prepayment that is recognized by the code recognition unit. | 2015-11-12 |
20150324875 | PROCESS OF SPONSORSHIP OF A PURCHASE - A process for sponsors such as corporations, institutions, non-profits, or individuals, to pay for customer's purchases at the time or after the time of payment, before or after a customer presents a credit card or other payment method that identifies the customer, or pays with a smartphone, tablet, smartwatch or wearable device app such as Apple Pay, or Google Wallet. Both physical and virtual, Internet, and application (app) based stores are able to practice the present invention. | 2015-11-12 |
20150324876 | COMMISSION ALLOCATION BASED ON ELECTRONIC INFORMATION CONSUMPTION - Commission mappings for a content producer party are generated based on tracked interactions with distributed content by content consumer computers operated by a content consumer party. The distributed content originates from content producer computers operated by the content producer party. The tracked interactions are indicative of engagement with the distributed content by the content consumer computers. The commission mappings are transformed into an aggregated commission mapping for the content consumer party and the content producer party by correlating the commission mappings to the content consumer party and the content producer party and by processing correlated tracked interactions of the commission mappings into a quantified engagement of the content consumer party with the distributed content produced by the content producer party. The aggregated commission mapping is sent via a computer network to one or more computers operated by the content consumer party or the content producer party. | 2015-11-12 |
20150324877 | ECOMMERCE SYSTEM FOR MARKETING MIXED-LOTS OF DISTRESSED INVENTORY - An ecommerce system for marketing mixed lots of distressed inventory, as embodied in various systems, methods, and non-transitory computer-readable storage media, is provided. The system may generate and communicate offers for mixed lots of distressed inventory. Individual buyers may join together to form buying teams that may collectively purchase a mixed lot. The system may charge buyers and distribute portions of the purchased lot, some of which may be upgraded items, to individual buyers based on respective levels of demand indicated by each buyer. The system may also include a network-based inventory tracking function that permits buyers to store electronic representations or records of purchased items in a remote storage location. The system may then aggregate the purchased items for shipping at a later time. | 2015-11-12 |
20150324878 | ONLINE GROUP SHOPPING SYSTEM AND METHOD - A method for allowing multiple users to collaboratively review and select items from one or more retailer servers, including receiving an indication to open a group shop from a first user with a second user at a shopping server, signaling to a second user that a first user has requested the shopping server to open the group shop, at the shopping server, opening the group shop between the first user and the second user, issuing a shop window user interface to the first user that includes a plurality of links to one or more retailer servers, and opening direct communication between the first user and the second user such that the first user's shop window UI is issued to a second user's shop window UI. | 2015-11-12 |
20150324879 | CHALLENGE-BASED FRAUD DETECTION - A challenge-based system is provided for end users or website administrators to confirm the validity of an online listing by initiating requests for photographs of an item in various contexts, preferably contexts that would be difficult to reproduce without possession of the item listed. | 2015-11-12 |
20150324880 | VERIFYING A STATUS OF A USER DEVICE USED FOR SETTLING A TRANSACTION WITH A POINT OF SALE TERMINAL - One or more devices are configured to receive a request, from a point of sale terminal, to verify a status of a user device being used to settle a transaction with the point of sale terminal. The status may indicate whether the user device has been reported stolen to an operator network. The one or more device may receive a user device identifier, from the point of sale terminal, that identifies the user device. The one or more devices may determine the status of the user device based on the user device identifier. The one or more devices may generate a response indicating the status of the user device. The one or more devices may send the response indicating the status of the user device to the point of sale terminal to permit the point of sale terminal to selectively settle the transaction. | 2015-11-12 |
20150324881 | Commerce System and Method of Providing Intelligent Personal Agents for Identifying Intent to Buy - A commerce system is controlled by providing a shopping agent. A first data is transmitted to the shopping agent using a mobile device connected to the shopping agent by an application programming interface. An intent to buy for a plurality of products is determined based on the first data. A consideration set is generated based on the intent to buy, or the first data is a consideration set. Specific products are ranked within the consideration set. A rating is applied to the intent to buy. An action is performed based on the rating. The rating is modified based on a second data. The shopping agent, first data, and second data are used to manage inventory. A subscription of a product satisfying the intent to buy is recommended. The first data is generated by voice recognition or scanning a bar code or Quick Response code. | 2015-11-12 |
20150324882 | Commerce System and Method of Providing Shopping Agents and Sales Agents for Managing Purchasing Decisions - A commerce system is controlled by a shopping agent. A plurality of recipes are selected using a computer and stored using the shopping agent. A classification is applied to each of the plurality of recipes. A meal plan is generated by randomly selecting a first recipe from the plurality of recipes with a first classification and a second recipe with a second classification. A first product required for the first recipe is shipped to a home. The first product is selected from a consideration set or based on weighted attributes. A second product required for the first recipe is added to a shopping list. The shopping list is accessed using a mobile device. The meal plan is displayed on a smart appliance. Inventory is managed using the shopping agent. The first recipe is selected to include a product in the inventory. | 2015-11-12 |
20150324883 | ITEM TAGGING - Systems and methods for facilitating the purchase of tagged items for a friend are described. The methods include receiving a communication with a link to one or more items tagged by a first user for a second user, transmitting the communication to a user device of the second user, receiving a payment request in connection with the one or more tagged items from the user device, and processing the payment request. | 2015-11-12 |
20150324884 | Virtual Marketplace Enabling Machine-to-Machine Commerce - A commerce system has a virtual marketplace. A personal shopping agent is connected to the virtual marketplace. A sales agent is connected to the virtual marketplace. An intent to buy is received through the personal shopping agent. The intent to buy is satisfied with a product selected by a negotiation between the personal shopping agent and the sales agent. A consideration set is provided. The intent to buy is satisfied with a product from the consideration set. An API is provided for connecting to the sales agent. A retailer or manufacturer control system is connected to the sales agent through the API. The control system controls the negotiation using the control system. Configuration data is received through the personal shopping agent. The product is selected to satisfy the configuration data. A database including transactional log data is used during the negotiation. | 2015-11-12 |
20150324885 | Presenting Service Options Using a Model of a Vehicle - Service options that can be performed on a vehicle can be presented to the customer using a model of the vehicle. The model can be customized to include visual indications of the services that are recommended and then displayed to the customer so that the customer can quickly and easily identify which services are recommended. As a technician inspects a vehicle, he may use a first computing device, which displays available services for the vehicle, to input the services that are recommended for the vehicle. The customized model can then be generated using the recommended services and displayed on a second computing device to the customer. The customer can select services to be performed by interacting with the customized model. Then, these selections can be transmitted back to the first computing device for display to the technician to allow the technician to commence performing the selected services. | 2015-11-12 |
20150324886 | GENERATION AND EXCHANGE OF CUSTOM SELF-RECORDED MULTIMEDIA - In various implementations, a computing device is configured to facilitate the exchange and delivery of custom self-recorded media. In some implementations, service subject profiles are presented for display as an offer for exchanging a self-recorded media produced by the service subject for an electronic payment made by a consumer. Receipt of a selected service subject, payment information, and a consumer-provided expression serves as an acceptance of the offer for exchange, which in turn, notifies the service subject and further provides the service subject an interface for generating the self-recorded media employing their computing device's media generating hardware. Requests for custom self-recorded media and the custom self-recorded media generated as a result of the requests are managed and exchanged by way of the computing device. | 2015-11-12 |
20150324887 | SYSTEM FOR ENHANCING THE RESTAURANT EXPERIENCE FOR PERSONS WITH FOOD SENSITIVITIES/PREFERENCES - A method and apparatus for providing an individualized menu to a patron of a restaurant. The method includes providing, from a computing device, a set of food sensitivity and preference queries to the patron, receiving a set of food sensitivity and preference query responses from the patron, determining a patron specific menu for the restaurant based on a current menu for the restaurant, acceptable alterations to the current menu as determined by personnel associated with the restaurant, and the set of food sensitivity and preference query responses from the patron, and providing the patron specific menu for the restaurant to the patron. Determining the patron specific menu includes removing at least one food item from the current menu of the restaurant, and wherein possible alterations to the current menu include changes to the current menu approved by personnel associated with the restaurant. | 2015-11-12 |
20150324888 | RANKED NAVIGATION ELEMENT - Disclosed are various embodiments for a navigation element generation application. A navigation element comprising a plurality of navigation aids is generated responsive to a search query and other data. A relevance score is calculated for the navigation element. The navigation element is inserted into a ranked list of search result items as a function of the relevance score and communicated to a client. | 2015-11-12 |
20150324889 | Recommendation Systems and Methods Using Interest Correlation - A search technology generates recommendations with minimal user data and participation, and provides better interpretation of user data, such as popularity, thus obtaining breadth and quality in recommendations. It is sensitive to the semantic content of natural language terms and lets users briefly describe the intended recipient (i.e., interests, eccentricities, previously successful gifts). Based on that input, the recommendation software system and method determines the meaning of the entered terms and creatively discover connections to gift recommendations from the vast array of possibilities. The user may then make a selection from these recommendations. The search/recommendation engine allows the user to find gifts through connections that are not limited to previously available information on the Internet. Thus, interests can be connected to buying behavior by relating terms to respective items. | 2015-11-12 |
20150324890 | Mobile Food Order in Advance Systems - Aspects of the disclosure provide a computer-implemented method and system for ordering food remotely or from a vehicle for pick-up or delivery by providing the use of an application on a mobile device that provides information that allows the ordering. The computer-implemented method and system may include an order in advance application that allows a user or the system automatically to place an order based on previous orders. The computer-implemented method and system may also allow for the electronic payment for the food. Telematics information regarding the user and/or the vehicle may be utilized to provide information regarding a user's location, velocity, route, and destination. The computer-implemented method and system may utilize this telematics information to provide a prioritized ranked list of restaurants for the user. The computer-implemented method and system may utilize insurance information to provide additional features and enhance the mobile food order method and system. | 2015-11-12 |
20150324891 | SYSTEMS AND METHODS FOR PRIORITIZING LOCAL SHOPPING OPTIONS - Systems and methods to provide a prioritized shopping system are discussed. For example, a method can include receiving a list of target items, receiving busyness data for a plurality of local merchants, developing a prioritized shopping plan, and communicating the prioritized shopping plan to a mobile device. Each target item in the list of target items can represents a product or service that a user has indicated an interest in purchasing. The prioritized shopping plan is based at least in part on the busyness data and the list of target items. Busyness data provides an indication of traffic levels within at least a portion of the plurality of local merchants. | 2015-11-12 |
20150324892 | CONTENT-BASED MARKETPLACE - The present invention generally relates to a content-based marketplace that is designed to provide a place for individuals to post, market and sell user created content. In one embodiment, the present invention is a web-based content marketplace that permits a user to post, market and sell user created content. In another embodiment, the present invention is a web-based content marketplace that permits a user to post, market and sell user created content, as well as a web-based rating service the permits potential buyers to rate user generated content. In still another embodiment, the present invention is a web-based content marketplace for class notes that permits a user to post, market and sell user created content, as well as a web-based rating service the permits both potential buyers to rate user generated class note content and content generators to rate a professor and/or class. | 2015-11-12 |
20150324893 | METHOD AND SYSTEM FOR ORDER FULFILMENT - A method of fulfilling an order comprising at least one product is provided. The method includes receiving an order comprising at least one product, determining a suitable case from a plurality of available cases for holding the at least one product, said determining being a function of one or more characteristics of each product of the at least one product and one or more characteristics of the plurality of available cases; forwarding information identifying the suitable case to a case former; providing a case blank corresponding to said suitable case to said case former; erecting a suitable case from said case blank corresponding to said suitable case with said case former; and prior to the loading said suitable case with said at least one product, labelling said suitable case with at least one label. | 2015-11-12 |
20150324894 | Distribution of Infusion Pumps - Some embodiments described herein provide for a number of portable infusion pumps to be distributed to a pump user via a pharmacy system or like. | 2015-11-12 |
20150324895 | METHODS AND SYSTEMS FOR MERCHANDISING PRODUCTS IN BUNDLES IN AN ONLINE MARKETPLACE - A method and a system for providing product bundles are described. In some instances, the method begins by receiving a request for a view product interface. The view product interface includes a description of a primary product. Next, a product bundle definition for the primary product by the seller is accessed. The bundle includes a plurality of secondary products selectable by a buyer. The view product interface is provided and includes the description of the primary product and a description of the bundle that includes a description of the second item. | 2015-11-12 |
20150324896 | PRESENTATION OF HOMAGE TOKENS - A system and method for message analysis, including: receiving, by a computer processor, a first request to post a first homage token on a digital memorial, wherein the first request is received from a first user; presenting, by the computer processor, the first homage token on the digital memorial, wherein the first homage token is associated with a first expiration time, after which the first homage token expires; determining, by the computer processor, that the first homage token has expired; and removing, by the computer processor, the first homage token from the published digital memorial. | 2015-11-12 |
20150324897 | INTERNET VENDING MACHINE/MOBILE VENDING MACHINE SYSTEM AND METHOD - A system and method of creating, publishing and distributing display advertising for products sold by online merchants. The system provides tools for individuals with limited experience in the online marketing industry to create and publish customized and personalized display advertising for these products and distribute this display advertising and links to the products by multiple methods. These distribution methods enable users of the system to take full advantage of recommendation based marketing as well as push products ads and links directly to user devices such as smart phones and mobile devices of potential customers. This allows individuals to participate in a plurality of affiliate marketing programs of multiple online merchants on a single platform. Further, the platform enables the secure distribution of digital content via its legacy rights management IP and software. | 2015-11-12 |
20150324898 | System for Interactive Computer-Assisted On-Line Auctions - A system and method for an interactive, computer-assisted on-line auction wherein at least one array of images of objects for auction are scrolled on a display device so that a viewer can view the objects, obtain detailed information regarding objects of interest an submit bids on those objects the viewer desires to purchase. The objects in the array can be sorted into rows and columns by criteria such as manufacturer, type of good, or time until which bids are accepted. The system can include an array for objects that can currently be bid upon and another array for objects that can be bid upon at a future time. Certain objects of interest to a viewer can be selectively rotated for three-dimensional viewing by clicking on an appropriate button. A viewer can select a plurality of objects of interest, wherein monitoring screens are then composed and displayed on the display device for each selected object, each monitoring screen providing the viewer with an enlarged graphical representation of an object, detailed textual information regarding an object, and information regarding the auction for an object such as current bid price, time remaining to submit a bid and a bid submission box. The system also provides a system of selectively programmable alerts which can use visual or audible cues to alert the viewer to some occurrence, such as a predetermined amount of time remaining to submit a bid on an object. | 2015-11-12 |
20150324899 | Developing an Automated Alert Notification Plan for a User - A system includes a memory operable to store user data associated with a user and a processor communicatively coupled to the memory. The processor receives a promise to perform from a user and determines whether the user has scheduled a payment associated with the promise to perform. The processor accesses, in response to determining that the user has not scheduled a payment, the user data associated with the user. The processor determines whether to communicate an alert reminding the user of the promise to perform and selects, in response to a determination to communicate the alert, one or more alert types according to the user data associated with the user. The processor determines, according to the user data associated with the user, an alert frequency, and communicates the alert to the user in accordance with the selected one or more alert types and the determined alert frequency. | 2015-11-12 |
20150324900 | Providing Transaction History To A User During A Communication Session - In some embodiments, a system provides an interactive communication session between the user and a service agent associated with an enterprise. During the interactive communication session between the user and the service agent, the system provides the user with access to an online environment associated with the enterprise via a graphical user interface displayed on a user device. The system accesses the user's transaction history associated with the enterprise. The system accesses the rules for displaying the user's transaction history. The system identifies at least a portion of the user's transaction history associated with the enterprise according to the rules for displaying the user's transaction history. During the interactive communication session, the system provides the at least the portion of the user's transaction history associated with the enterprise to the user via the graphical user interface of the user device. | 2015-11-12 |
20150324901 | PREPARING A BANK APPLICATION USING A USER DEVICE - In some embodiments, a system receives an image file from a user device. The image file depicts a financial document that a customer selects to submit to a bank for inclusion in an application for a bank product. The system associates the image file with the application and determines whether receipt of the image file completes the application. If yes, the system sends the application to a review process configured to determine whether to approve the application. If no, the system determines a time period for the customer to complete the application and, after the time period has elapsed, initiates communication with instructions for completing the application. | 2015-11-12 |
20150324902 | Adapting an Alert Notification According to User Data - A system includes a memory operable to store user data and a processor communicatively coupled to the memory. The processor is operable to identify a first user, access user data associated with the first user, and determine whether to provide a first alert to the first user. The processor selects a first alert format and a first alert type according to the user data associated with the first user. The processor communicates the first alert to the first user in accordance with the selected first alert format and first alert type. The processor identifies a second user, accesses user data associated with the second user, and determines whether to provide a second alert to the second user. The processor selects a second alert format and a second alert type and communicates the second alert to the second user in accordance with the selected second alert format and second alert type. | 2015-11-12 |
20150324903 | Adapting A User's Communication Channel In Accordance With Communication Channel Triggers - In some embodiments, a system identifies a bank product flow associated with a user interacting with a website. The system accesses proactive chat session triggering rules associated with the identified bank product flow. The system monitors activity of the user interacting with the website. The system determines whether the activity of the user satisfies a trigger specified in the proactive chat session triggering rules associated with the identified bank product flow. The system determines availability of a customer service agent to engage in a chat session with the user. In accordance with the availability of the customer service agent, the system initiates the chat session between the user and the customer service agent associated with the bank product flow without waiting for the user to initiate the chat session. | 2015-11-12 |
20150324904 | Customizing Content Presentation Format In Accordance With The Category Of Device Used To Access The Content - In some embodiments, a system identifies content for display on a user device. The system determines a device category associated with the user device. The system determines that the content for display on the user device comprises at least one of a group comprising a plurality of bank product options, a user assistance option associated with one or more of the plurality of bank product options, a plurality of questions associated with one or more of the plurality of bank product options, and a disclosure associated with acceptance of a selected bank product option of the plurality of bank product options. The system determines a presentation format for the content according to presentation rules that determine presentation format for the content on the user device according to the content and the determined device category. | 2015-11-12 |
20150324905 | GENERATING MULTIPLE COMPUTER SCREENS IN A MULTIPLE COMPUTER SYSTEM - A computer system, and methods for making and using it, for changing digital electrical signals to generate a valuation of a fractional interest in a contingent interest in property, the computer apparatus including: an input device operable for converting input data representing property into input digital electrical signals representing the input date; a digital electrical computer having a processor, the processor electrically connected to the input device to receive the input digital electrical signals, the processor programmed to change3 the input digital electrical signals to produce modified digital electrical signals representing a valuation of a fractional interest in a contingent interest in the property associated with at least one lease default condition for the property; a memory electrically connected to the processor; and wherein the processor manipulates further digital electrical signals to generate at least one document for the contingent interest by inserting the valuation in pre-existing text data obtained from the memory; and an output device electrically connected to the processor to print the document. | 2015-11-12 |
20150324906 | DEVELOPING A HIERARCHY OF REPAYMENT PLANS - In some embodiments, a system receives a notice indicating a loan past due associated with a user. The system calculates a user risk score associated with the user with the user risk score based on a user payment history. The system determines a plurality of repayment plans for the user using the calculated user risk score, and calculates a repayment plan value score for each repayment plan. The system orders each repayment plan according to the repayment plan value score, and generates a repayment plan queue of the plurality of the ordered repayment plans. The system communicates a first repayment plan in the repayment plan queue to the user. | 2015-11-12 |
20150324907 | INTEGRATING INFORMATION FROM VARIOUS LINES OF BUSINESS - In some embodiments, a system receives information about a first loan and information about a second loan. The system calculates a user risk score based on a user payment history, a first loan priority score, and a second loan priority score. The system generates a single loan payment plan for the first loan and the second loan using the first loan priority score, the second loan priority score, and the user risk score. The system receives a payment associated with the single loan payment plan. The processor subdivides the payment into a first loan payment and a second loan payment using the first loan priority score and the second loan priority score. The system transfers the first loan payment to the first line of business and the second loan payment to the second line of business. | 2015-11-12 |
20150324908 | DYNAMICALLY MODIFYING AN APPLICATION QUESTIONNAIRE - In some embodiments, a system calculates a user risk score, and determines a first subset of questions using the user risk score and type of user device. The system communicates and receives answers to the first subset of questions. The system determines a second subset of questions based on the answers to the first subset of questions. The system communicates and receives answers to the second subset of questions. The system determines whether the answers to the first subset of questions are accurate. If the verification indicates that the answer to one or more of the first subset of questions is not accurate, the system determines a third subset of questions. The system communicates and receives answers to the third subset of questions. The system determines a plurality of repayment plans based on the user risk score and the answers to the first, second, and third subset of questions. | 2015-11-12 |
20150324909 | SYSTEM AND METHOD FOR CREATING AD HOC SELF-ENFORCING CONTRACTS IN NETWORK-BASED EXCHANGES - Systems and methods enable the creation, administration, and enforcement of self-enforcing electronic contracts within a network-based participation exchange as well as the matching of participation opportunities with exchange participants having compatible profiles. In one embodiment, participation opportunity data is provided to an exchange participant computing device, and the exchange participant computing device transmits a participation opportunity purchase request to an exchange network computing device. In response to the purchase request, the exchange network computing device generates an electronic contract. | 2015-11-12 |
20150324910 | Synthetic Series Derivative Contracts - A computer system may process data associated with synthetic series derivative contracts. Those contracts may be settled in cash to an imputed value of a fixed income security. This fixed income security may be coupon bearing. The imputed value of the fixed income security may be based on a calculated value of a series of interest-based derivative contracts. Both that series and the fixed income security may be hypothetical. | 2015-11-12 |
20150324911 | DELTA-HEDGED FUTURES CONTRACT - Systems and methods are described for providing a futures product corresponding to a position in a delta-hedged strategy on an underlying financial product may include creating a portfolio including put options and call options, wherein the put options and the call options correspond to a same underlying product. One or more computing devices may determine a position in the underlying product to include in the portfolio. The position in the underlying product may correspond to a volatility of the put options and the call options. In some cases, the one or more computing devices may generate a futures contract based on the portfolio including the put options, the call options and the position in the underlying product. | 2015-11-12 |
20150324912 | QUADRATIC OPTIMUM TRADING POSITIONS FOR ASIAN OPTIONS - A trading position evaluation system for evaluating trading positions that are globally optimum in market measure includes a trading parameters determination module to determine at a trading time instance from amongst a plurality of trading time instances obtained from a trader, a plurality of trading parameters pertaining to a path-dependent Asian option based on ECC data and market data, retrieved from a database. The trading parameters are indicative of information relating to the path-dependent Asian option. Based on the trading parameters, a position evaluation module evaluates a trading position in the underlying asset at the trading time instance based on the plurality of trading parameters to minimize global variance of profit and loss to the trader. | 2015-11-12 |
20150324913 | REAL-TIME INDICATOR OF GLOBAL TRADE - A real-time indicator of global trade can be generated. The real-time indicator provides a comprehensive indicator of the current global economic state by tracking current values for the available capacity for freight shipments as well as the volume of actual shipments. The capacity and volume can be tracked over multiple different transportation modes including sea, air, and rail. The real-time indicator is generated in real-time based on these current values. The real-time indicator can therefore provide investors, analysts, researchers, bankers, and the like with a reliable indicator of the current global economic state that is not heavily influenced by the biasing sentiments of individuals. | 2015-11-12 |
20150324914 | COUPON BLENDING OF A SWAP PORTFOLIO - Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate. A computing device may determine a first remnant swap and a second remnant swap to blend the plurality of swaps using the determined fixed rates. This may reduce the gross notional and/or the total clearing line items associated with the original swaps. In some cases, the computing device may determine one single swap for blending the plurality of swaps. | 2015-11-12 |
20150324915 | System and Methods For Aggregating and Presenting Securities Trading Data - An improved trading platform may: (i) aggregate multiple orders related to a single trade position and present those orders for the trader; (ii) enable the user to select and apply default options trading strategies; (iii) aggregate trade positions, such as option positions having the same or similar expirations, for presentment in a single interface; and (iv) record and present trade position variations investigated by a trader in a simplified manner. | 2015-11-12 |
20150324916 | System and Method for Management and Analysis of Electronic Trade Orders - A system and methods are provided for using order descriptor identifiers in relation to orders being used in trading strategies. According to one example method, when a hedge order is submitted upon detecting a fill of another order, the hedge order includes one or more order descriptor identifiers conveying a purpose of the hedge order to a user. The order descriptor identifiers can be used to search for desired orders and perform more effective order management and post trade analysis. | 2015-11-12 |
20150324917 | SYSTEMS AND METHODS FOR USING SECONDARY MARKET FOR PRIMARY CREATION AND REDEMPTION ACTIVITY IN SECURITIES - Systems and methods for transforming an electronic portfolio. A system includes an electronic crossing platform that receives data defining trade orders of the electronic portfolio during an initial time period; compares portions of the data to determine an imbalance of the trade orders remaining after the initial time period and receives, during a final time period, a final trade order from a fund agent device to offset the remaining imbalance. The platform receives, after the final time period, a benchmark value of the electronic portfolio from a fund device; compares the final trade order with the remaining imbalance to determine an adjustment value; converts the benchmark value to a final value by applying the adjustment value to the benchmark value; and transforms the electronic portfolio into the transformed portfolio by creating paired buy and sell orders among the trade orders received during the initial time period at the final value. | 2015-11-12 |
20150324918 | METHODS AND SYSTEMS FOR COLLABORATIVE PORTFOLIO OPTIMIZATION - Method and systems for collaborative portfolio optimisation comprising aggregating, in a server, data associated with portfolios of investments of an online community of users; determining, using the server, performance and risk of each portfolio; and generating, using the server, user interfaces presented on clients that enable users to: filter, compare and follow portfolios of other users based on portfolio performance and risk; add portfolios being followed into target portfolios; and select percentage weightings of portfolios being followed that are added into the target portfolios. | 2015-11-12 |
20150324919 | SEGMENTATION AND STRATIFICATION OF COMPOSITE PORTFOLIOS OF INVESTMENT SECURITIES - A stratified or segmented composite portfolio can be formed by selecting a group of investment securities, stratifying or segmenting them according to attributes that correlate to a specific asset risk, and assigning relative portfolio weights to the components based on their stratified or segmented positions. The attributes are selected from a universe of possible values. Further positive and negative biases can be applied at any arbitrary point or position, including to individual assets, groups of arbitrarily selected assets, or arbitrary positions. | 2015-11-12 |
20150324920 | Real-Time Insurance Estimate Based on Limited Identification - Methods and systems for providing estimated insurance quotes/premiums are described herein. After analyzing rate factors, a subset of rate factors are selected that yield a fairly accurate estimated insurance premium from a minimum amount of information easily obtainable from a user. The user inputs a value from a predetermined set of allowable inputs (value input filter), or provides identifying information from which the minimum information may be readily obtained from private and/or vended databases. After receiving and analyzing the user inputs, the system generates one or more estimates and provides the one or more estimates to the user, e.g., via a display screen, printed receipt, SMS messages, etc. Multiple estimates may differ based on the level of insurance coverage, add-on features, or both. The methods and systems provide an insurance estimate to the user very quickly, e.g., under 30 seconds, during a goods or services transaction unrelated to insurance. | 2015-11-12 |
20150324921 | METHODS AND SYSTEMS FOR STABILIZING REVENUE DERIVED FROM VARIABLE ANNUITIES REGARDLESS OF MARKET CONDITIONS - The present invention provides methods and systems for stabilizing revenue derived by a variable annuity provider from variable annuities having a mortality and expense fee computed based on at least one variable that is not directly affected by market conditions, e.g., the annuity premium or a portion thereof, such as the premium that has been paid, or the premium that has been paid and invested in one or more investment divisions available to an annuity owner. The mortality and expense fee may also account for any withdrawals paid out of and disbursements made from the premium paid accordingly. The mortality and expense fee generally funds at least in part a risk associated with an annuity death benefit, such as a return of premium that has been paid death benefit. | 2015-11-12 |