49th week of 2013 patent applcation highlights part 71 |
Patent application number | Title | Published |
20130325678 | RISK PROFILING FOR SERVICE CONTRACTS - A method for profiling information technology (IT) service contract risks and generating contract prices includes analyzing historical IT service contract risk data to create a set of IT service contract risk profiles, where the historical IT service contract risk data includes contract risks and percent gross profit associated with a historical set of contracts, where each IT service contract risk profile is a probability distribution function of achieving a percent gross profit associated with a subset of contracts corresponding to particular set of contract risk values, and creating a mapping between a particular IT service contract risk profile and a new IT service contract associated with the set of contract risk values for the IT service contract risk profile to determine an optimum price for the new IT service contract. | 2013-12-05 |
20130325679 | PRODUCTION AND MAINTENANCE FEATURE FOR ACCOUNT RELATED TRIGGERS - Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods develop effective communication routines to aid in trigger delivery. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; patterns of account activity are determined based on the account activity; parameters associated with the patterns of activity are identified; and triggers are formed based on the pattern of account activity and parameters. | 2013-12-05 |
20130325680 | APPLICATION ECOSYSTEM AND AUTHENTICATION - Disclosed herein is a method for financial institutions to provide value added services to customers while preserving security of customer financial information. The method comprising providing a single point of access to a centralized platform wherein the platform may host one or more financial applications, enabling the selection and configuration of the one or more financial applications, sharing anonymized customer financial information between the financial institution and the one or more financial applications via a single conduit, analyzing the financial information by the financial applications, receiving results from the one more financial applications via the single conduit and displaying the results to the customer. | 2013-12-05 |
20130325681 | SYSTEM AND METHOD OF CLASSIFYING FINANCIAL TRANSACTIONS BY USAGE PATTERNS OF A USER - Disclosed herein is a method of classifying financial transactions by usage patterns of a user. The method includes analyzing metadata extracted from the information associated with financial transactions in accordance with at least one business rule. Where the analysis includes sequentially analyzing the metadata using a constant-time lookup data structure, a Radix tree, a Lucene tree and fuzzy logic methods, until a unique identifier is found that is associated with the metadata. The metadata with the unique identifier is then added to the constant-time lookup data structure to update the constant-time lookup data structure. The transaction data is then classified based on the unique identifier. | 2013-12-05 |
20130325682 | Systems For Associating Temporary Payment Cards With Financial Accounts - Systems for associating temporary payment cards with financial accounts are provided. A system may utilize a processor to receive a financial account application, modify account data stored in a non-transitory memory component to create a financial account corresponding to the received financial account application, transmit instructions for picking up a temporary payment card from a retail location, and receive a temporary payment card registration message after the temporary payment card is picked up from the retail location. The temporary payment card registration message may include a unique identifier associated with the temporary payment card. The system may further utilize the processor to modify the account data in the non-transitory memory component to associate the temporary payment card with the financial account in response to receiving the temporary payment card registration message. | 2013-12-05 |
20130325683 | Dynamic Trading Services For Passive Investors - A dynamic trading investment product and techniques for administering such a product are described. The dynamic trading investment product holds at least one security and includes establishing a dynamic trading investment product account for an investor, receiving from an investor a budget parameter established by the investor for the security, monitoring by one or more computers the price of the security during secondary trading on a trading venue, determining by one or more computers according to the monitored price and target growths whether to issue orders to buy or sell the security; and when determined to issue orders, issuing orders to buy or orders to sell the according to the monitored price and target growths, and adding shares to or removing shares from the dynamic trading investment product of the investor according to whether the issued orders are orders to buy or sell the security. | 2013-12-05 |
20130325684 | SYSTEM FOR LATENCY REDUCTION IN HIGH FREQUENCY TRADING NETWORKS - A system includes an optical splitter that may receive an optical signal containing trading information from over an exchange network. The optical splitter may split the optical signal at a physical layer into a plurality of signals and transmit the plurality of signals toward a plurality of hosts at a customer end, which may execute transactions using the trading information. | 2013-12-05 |
20130325685 | SYSTEM AND METHODS FOR PRIORITIZED MANAGEMENT OF FINANCIAL INSTRUMENTS - The invention relates to an improved means for interactive computerized communications having a facilitated capability for order entry and order execution, and providing an enhanced range of trading forms and methods to clients of brokerage firms dealing in financial securities. In particular, the invention relates to a type of interactive computerized system and software program that implements an improved mode of online communication between brokerage firms dealing in financial securities and their retail investors, to result in a more efficient and flexible range in the type of allowable trades, and that provides thereby innovative and strategic advantages to individual investors of brokerage firms, for actively managing financial securities held in trading accounts. | 2013-12-05 |
20130325686 | ANONYMOUS TRANSACTION PLATFORM - A computer implemented method to anonymise transactions conducted via a trading platform between a clearing agent in communication with a trading database, and a client terminal, the method comprising: identifying the client terminal with an anonymised client identifier; the clearing agent receiving from a client terminal, as an order, a request to buy or sell a quantity of financial instrument and assigning an anonymised order identifier to the request; for each anonymised order identifier the trading database identifying identical or similar financial instruments, and their quantity, offered by a plurality of other users for the financial instrument in the request and assigning a weighted score of the likelihood of a match between the identified instruments and the requested instrument; presenting on the client terminal, as a trade offer anonymised information of the weighted score of the likelihood of a match between the requested and each of a plurality of identified financial instruments; and indicating via the client terminal if one or more of the trade offers is to be negotiated or accepted. | 2013-12-05 |
20130325687 | METHODS AND ARRANGEMENTS FOR EXCHANGE TRADED PRODUCTS - In an automated exchange | 2013-12-05 |
20130325688 | MULTI-BROKER ORDER ROUTING BASED ON NET POSITION - The disclosed embodiments provide tools for multi-broker order routing based on net position at a broker. The net position of a user at a broker to receive a portion of a trade order is considered when allocating the quantity for the trade order to multiple brokers. | 2013-12-05 |
20130325689 | System and Method for Money Management Using a Plurality of Profit Levels in an Electronic Trading Environment - A system and method for money management in an electronic trading environment are presented. According to one embodiment, a money management application intercepts an order before the order is sent to an exchange, and determines a plurality of P/L levels, based on which the money management application then selects a set of money management parameters to be used to control or modify order parameters before the order is sent to the exchange. The plurality of profit levels may include a net profit level determined based on a trader's net position and a current market level, a realized profit level determined based on trader's sells and buys associated with the tradeable object, or an open profit level determined based on the realized and net profit levels. The set of money management parameters may include a maximum order quantity and a maximum net position so that, for example, if the order quantity associated with the order is higher than the maximum order quantity associated with the applicable set of money management parameters, the order quantity may be modified to the maximum order quantity. | 2013-12-05 |
20130325690 | Use of Adaptive and/or Customized Compression to Enhance the Efficiency of Digital Data Exchanges - The present invention relates to a method for enhancing the efficiency of digitally communicated data exchanges and to a computer system that implements such a method. The invention particularly concerns the use of adaptive custom compression techniques, binary integers (“bits”), massively parallel processing, database optimization techniques and/or calculation optimization techniques to achieve such enhanced efficiency. The invention is applicable to any digitally communicated data exchange, but is particularly applicable to exchanges of financial information such as financial market buy/sell orders, market making, etc. | 2013-12-05 |
20130325691 | USING BI-DIRECTIONAL COMMUNICATIONS IN A MARKET-BASED RESOURCE ALLOCATION SYSTEM - Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. In one exemplary embodiment, a plurality of requests for electricity are received from a plurality of end-use consumers. The requests indicate a requested quantity of electricity and a consumer-requested index value indicative of a maximum price a respective end-use consumer will pay for the requested quantity of electricity. A plurality of offers for supplying electricity are received from a plurality of resource suppliers. The offers indicate an offered quantity of electricity and a supplier-requested index value indicative of a minimum price for which a respective supplier will produce the offered quantity of electricity. A dispatched index value is computed at which electricity is to be supplied based at least in part on the consumer-requested index values and the supplier-requested index values. | 2013-12-05 |
20130325692 | USING BI-DIRECTIONAL COMMUNICATIONS IN A MARKET-BASED RESOURCE ALLOCATION SYSTEM - Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. In one exemplary embodiment, a plurality of requests for electricity are received from a plurality of end-use consumers. The requests indicate a requested quantity of electricity and a consumer-requested index value indicative of a maximum price a respective end-use consumer will pay for the requested quantity of electricity. A plurality of offers for supplying electricity are received from a plurality of resource suppliers. The offers indicate an offered quantity of electricity and a supplier-requested index value indicative of a minimum price for which a respective supplier will produce the offered quantity of electricity. A dispatched index value is computed at which electricity is to be supplied based at least in part on the consumer-requested index values and the supplier-requested index values. | 2013-12-05 |
20130325693 | CREDIT BEHAVIOR NETWORK MAPPING - A method including receiving an identifier of a first entity, performing a first search of a database that returns an identifier of a second entity having a relationship with the first entity, performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity, and constructing in a storage device, a data structure that defines a path between the first entity and the third entity via the second entity. The method can be executed by an apparatus having a processor and a memory with instructions. The instructions, when read by the processor, cause the processor to perform the method described above. | 2013-12-05 |
20130325694 | METHOD AND SYSTEM FOR FINANCING SELF-SUFFICIENT ENERGY SYSTEMS - An object of the present invention is to provide a method for financing the conversion of an entity from a traditional energy system to a self-sufficient energy system having the following steps: receiving the conversion cost of the self-sufficient energy system; receiving the energy cost of the traditional energy system, the energy cost determined over at least one interval; amortizing the conversion cost of the self-sufficient energy system over the at least one interval to generate an amortized interval cost; comparing the amortized interval cost to the energy cost of the traditional energy system to determine a cost ratio; comparing the cost ratio to a predetermined cost threshold; and approving the financing of the conversion of the entity from the traditional energy system to the self-sufficient energy system if the cost ratio is less than or equal to the predetermined cost threshold. | 2013-12-05 |
20130325695 | METHOD FOR RESOLVING TRANSACTIONS - A method for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a computing device is presented. The method comprises receiving information, at the computing device, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the computing device and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the computing device, and presenting a transaction settlement offer set to the user based on at least one decision made by the rules based engine. While online, the user/debtor may accept one of the offers or engage in further approved negotiation of other offers. | 2013-12-05 |
20130325696 | CALCULATING A MISCONDUCT PREDICTION VALUE - Examples disclosed herein relate to calculating a misconduct prediction value. Examples include calculating a misconduct prediction value for a remote computing service provider user account from payment data corresponding to a method of payment for consumption of resources of the service provider and utilization data quantifying consumption of a processing resource of the service provider by an application provided to the service provider in connection with the user account. | 2013-12-05 |
20130325697 | PROVIDING POLICY EDUCATION BASED ON TRIGGERS - Systems and methods for promoting policy education associated with one or more accounts of a financial institution are provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity subject to regulations based on the account data; and identifies triggers comprising account costs incurred by outbound transactions based on the account activity. The system then informs the user of institutional or governmental policy related to the triggers. In some situations, the system determines when a trigger indicates unavailable funds or that an account has gone to loss and informs the user of policy related to these accounts. In other situations, the system may also provide suggestions or alternatives to address these accounts. | 2013-12-05 |
20130325698 | FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR RISK MITIGATION - Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event. | 2013-12-05 |
20130325699 | FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR DETECTING CHANGES IN FINANCIAL RATIOS - Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios. | 2013-12-05 |
20130325700 | METHOD AND APPARATUS FOR SHARING A SERVICE IN A WIRELESS NETWORK - A method and apparatus for sharing a service in a wireless network are disclosed. For example, the method receives a request for sharing a service from a first user endpoint device associated with a first customer, wherein the request is directed to a second user endpoint device associated with a second customer, performs an authentication of the first user endpoint device, determines whether the first user endpoint device has a subscription to a sharing service, determines whether the second user endpoint device has a subscription to the sharing service, attempts to obtain an authorization to enable the first user endpoint device to access the service that is associated with the second user endpoint device, wherein the service is related to a financial transaction privilege and provides a response granting the request for the sharing of the service, if the authorization is received. | 2013-12-05 |
20130325701 | E-CURRENCY VALIDATION AND AUTHORIZATION SERVICES PLATFORM - A computer-implemented system and method for tracking e-currency tokens includes a plurality of e-currency token types defined in computer memory. Using a computer processor, a life cycle of a tracked e-currency token is tracked, the tracked e-currency token being of an e-currency token type that is one of the defined. The tracking is done by receiving an indication that the tracked e-currency token has been used in a transaction, and recording a value for the tracked e-currency token as measured against another asset. Multiple recorded values for the tracked e-currency token are aggregated and a price of the e-currency token type is graded based on at least the aggregated recorded values. | 2013-12-05 |
20130325702 | Payment System - A payment system for making payments with respect to a plurality of purchases, comprising: a user identifier receiver for receiving a user identifier; a funds transfer data receiver for receiving funds transfer data corresponding to a funds transfer; a purchase data retriever configured to retrieve purchase data with respect to the purchases from purchase data stored in association with respective user identifiers in a memory; a funds transfer value generator configured to generate a plurality of funds transfer values, each one of the funds transfer values corresponding to a respective one of the purchases; a payment value calculator configured to calculate a payment value corresponding to each one of the purchases; and a purchase data modifier configured to modify the purchase data retrieved from the memory, and to output the purchase data as modified. | 2013-12-05 |
20130325703 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR MEMBERSHIP PROGRAM MANAGEMENT - The invention is directed to systems, methods and computer program products for managing membership programs. An exemplary method for establishing a membership program comprises: receiving selection of whether the membership program is annual, recurring, or lifetime; receiving selection of whether the membership program is dues-based, contribution-based, or both dues-based and contribution-based; and receiving selection of whether the membership program has a single term or multiple terms. An exemplary method for processing a payment associated with a membership account includes the steps of receiving a payment, the payment representing at least one of a contribution associated with a contribution-based membership account or dues associated with a dues-based membership account; receiving information associated with a payor of the payment amount; receiving information associated with the membership account; and processing the payment based at least partially on the information associated with the payor and the membership account. | 2013-12-05 |
20130325704 | SOCIAL MEDIA AND SOCIAL NETWORKS FOR EVENT CREDENTIALING - Event management includes enrolling prospective participants by associating each participant with a profile. The profile includes the participant's attributes which are vetted automatically or by social networking means. A token is assigned to each profile which enables access to the profiles. An event is created and associated with event access control rules which correspond to various attributes. Access to the event involves scanning the token, accessing a participant's profile and testing attributes in the profile relative to the access control rules. The token can be re-used at different events having different access control rules. | 2013-12-05 |
20130325705 | Managing Merchant Communications - A merchant system structures communications among merchants, partners, and customers. The merchant system may include a messaging component that organizes messages so that a manager can quickly navigate and understand the content of incoming messages. The messaging system also may categorize a user's profile so that a user may share profile information established at a first merchant with a second merchant. | 2013-12-05 |
20130325706 | SYSTEM, METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR IMPROVED PAYMENT PROCESSING - A method for processing paper payments is provided. The method may include, by a payment processing apparatus, preloading account data for accounts for which a payment may be received, extracting payment details on a payment document, and identifying an account for a payment based on at least the preloaded account data. The method may additionally include providing the ability for a user to correct or validate a payment, as well as providing various searching capabilities for a user to accurately identify an account. The method may also include identifying physical characteristics of a payment, and/or a payment source, and generating an output file to be used in a payment posting process. Corresponding systems, apparatuses, and computer program products are also provided. | 2013-12-05 |
20130325707 | AUTOMATED BILL PAYMENT SYSTEM - Systems, methods and computer program products are provided for processing an automated bill payment. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Based on the account data triggers are detected indicating multiple payments to a plurality of service providers. The system determines from the account data a payment amount to be made to a service provider. The payment amount is periodically transferred from the user's general deposit account to a separate payment account. The payment amount is then periodically withdrawn from the payment account and sent to the service provider. | 2013-12-05 |
20130325708 | APPLICATION ACCESS MANAGEMENT METHOD AND APPARATUS - An exemplary application access manager apparatus includes at least one computing device. A digital data storage comprises a relationship establishment program, an application access program and a revenue allocation program. A processor is configured to execute the relationship establishment program to apply a plurality of rules that govern a relationship between a user desiring access to at least one application and at least one of a service provider or an application provider. The processor is configured to execute the application access program to obtain information regarding any access by the user of the application. The processor is configured to execute the revenue allocation program to determine how to charge the user for any access to the application and to allocate any revenue to at least one of the service provider or the application provider. | 2013-12-05 |
20130325709 | SYSTEM AND METHOD FOR REGISTERING FINANCIAL ACCOUNTS - A session to enroll customers to make payments has two stages, a first stage completed on the telephone or on a merchant or debt collector website, and a second stage completed via a communications link such as a telephone or Internet link. The customer enrollment record is linked to financial account information received from the customer in the second stage and stored on a second, secure server. A token linked to the securely stored financial account information is returned to the merchant and then used by the merchant to initiate payments on that financial account. The merchant's personnel and customer record system do not store or have access to the underlying financial account information. | 2013-12-05 |
20130325710 | SYSTEM AND METHOD FOR RULE-BASED PRESENTMENT AND PAYMENT OF BILLS OR INVOICES - A computer-implemented method for facilitating presentment and payment of bills or invoices related to consumption of products and services between a biller and a payer via an online payment portal over a communication network is provided. A template is generated that defines terms and conditions related to payment of a bill or invoice. The terms and conditions are accepted by the payer and the payer's financial institution and received from the biller. One or more rules are derived from data related to the terms and conditions defined in the template. The derived one or more rules are applied on the bill or invoice associated with the template to derive processing logic. Payment of the bill or invoice made by the payer is processed using the derived processing logic. | 2013-12-05 |
20130325711 | MULTI-PROTOCOL COMMUNICATION CIRCUIT - Peer-to-peer type communications are facilitated in a secure communication device. As consistent with one or more example embodiments, near-field communications are effected ( | 2013-12-05 |
20130325712 | CARD PAYMENT SYSTEM INCLUDING MOBILE COMMUNICATION TERMINAL AND MOBILE RELAY DEVICE, APPARATUSES IN THE SYSTEM AND METHOD FOR CARD PAYMENT IN THE APPARATUSES - Provided is a card payment system. The card payment system includes an affiliated merchant terminal configured to transmit payment-related information including an affiliated merchant ID and a payment amount and a relay device configured to store the payment-related information transmitted from the affiliated merchant terminal in a memory, and provide the payment-related information stored in the memory to a mobile communication terminal of a customer, for a card payment using the mobile communication terminal of the customer. Accordingly, a customer can safely and quickly perform a credit transaction by using a mobile communication terminal of the customer even without presenting a payment card to an affiliated merchant, and moreover perform the credit transaction at a desired place in the affiliated merchant even without unnecessarily moving to a counter or exposing financial information of the customer. | 2013-12-05 |
20130325713 | USER RETENTION TRIGGER FEATURE - Systems and methods for retaining users in their existing relationship with a financial institution are provided herein. Based on account data, comparisons of past and current transactional activity are made and a change in account usage is determined. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising one or more transactions occurring during a first period of time and a second trigger group comprising one or more transactions occurring during a second period of time are identified based on the account data; the first trigger group and the second trigger group are compared; and a decrease in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group. | 2013-12-05 |
20130325714 | Check View System with Embedded Explanation of Benefits - A method for facilitating the delivery of electronic funds and conveying an explanation of benefits to a service provider is described herein. A claim for payment by a service provider (such as a physician's office) is adjudicated by a third party administrator. An electronic funds transfer (EFT) is generated under a transaction set specification that encodes both payment information as well as an explanation of benefits (EOB). The EOB indicates which charges were approved and/or which were denied. The EOB data is extracted from the EFT and an image is generated containing the text of the EOB. The image is created in a format that is compatible with the online delivery of posted-paper checks. When the service provider logs into its bank to reconcile charges the EFT transaction is noted and the provider clicks on the “view check” link to obtain the EOB information. | 2013-12-05 |
20130325715 | SYSTEM AND METHOD FOR PROVIDING CUSTOMERS WITH SEAMLESS ENTRY TO A REMOTE SERVER - The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a series of data exchanges between the universal session manager, a validation database, and the remote service module, the customer may be transparently logged into remote service providers. Internet banking customers utilize a browser system to connect to a host server providing a range of banking services supported by a remote or distinct server. According to the method, the customer first enters a username and password to gain access to the host service provider. The universal session manager transmits data required for login to the remote service provider. The user is thus able to utilize the remote services with his/her web browser system without having entered a username or password particular to the remote service. | 2013-12-05 |
20130325716 | TRIGGER FEATURE FOR INCREASING TRANSACTION DEPTH AND ACCOUNT BREADTH - Systems and methods for increasing transaction depth and account breadth are provided herein. In the systems and methods, account data associated with one or more account are received and the account data is stored in a storage device; a first trigger group comprising a number of transactions occurring during a first period of time and a second trigger group comprising a number of transactions occurring during a second period of time based on the account data are identified based on the account data; the first trigger group and the second trigger group are compared; and an increase in account activity for each of the one or more accounts is determined in response to the comparison of the first trigger group and second trigger group. | 2013-12-05 |
20130325717 | AUTOMATED TELLER MACHINE WITH VIRTUAL BANK SHARING - An automated teller machine (ATM) which includes a plurality of peripherals including a user interface for interacting with a user providing user information; a plurality of virtual automated teller machines (VATMs) resident in the ATM, the VATMs networked to a plurality of financial institutions, each VATM capable of using its own ATM software application and capable of providing its own menu of banking options to the user; and an interface to communicate between the VATMs and the plurality of peripherals, receive the user information from the user interface, identify the user's financial institution, link the user with the user's financial institution through a selected VATM corresponding to the user's financial institution and provide the menu of banking options to the user as if the user were using an ATM dedicated to the user's financial institution. | 2013-12-05 |
20130325718 | In-Store Mobile Payment - An in-store mobile payment system and method can facilitate the use of a user's mobile device to facilitate payment for products purchased at a store. The user can take a picture of a product being purchased or can take a picture of a bar code for the product. The picture can be taken with the user's mobile device and can be used to identify the product. A payment provider can provide a unique PIN code for the transaction. The user can enter the PIN code into a keypad of the merchant and/or can swipe a card with a card reader of the merchant to complete the transaction. Thus, the user can avoid the inconvenience of waiting in line at a checkout counter and the merchant can reduce the store's overhead by eliminating at least some checkout counters and checkout clerks. | 2013-12-05 |
20130325719 | RELATED PARTY PAYMENT SYSTEM - Systems and methods are disclosed herein which that enable a first party, such as a child, to selected one or more items offered by an online retailer and to send a request to a second party, such as a parent or guardian, to request that the second party purchase the item or items for the first party. The systems and methods provide the second party with the ability to view requests received from the first party, to set limits on the number of requests and the amounts of the requests that the first party may make. The second party may also designate the parties to whom the first party may submit purchase requests. The child may also submit request to one or more non-parental contributors who may contribute money toward the purchase the one or more items for the child. | 2013-12-05 |
20130325720 | GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM - An improved money transfer system. A rules database includes transaction rules that include an aggregation threshold. A customer database includes customers' transaction histories. A processing system receives transaction requests from points of entry and provides transaction responses. Based on information received in transaction requests, the processing system identifies customers and determines applicable transaction rules. An aggregation engine determines aggregation values as a function of customers' transaction histories. A transaction rules service determines whether information received in the transaction requests meets the applicable transaction rules and causes the aggregation engine to determine aggregation values if the applicable transaction rules include aggregation thresholds. Transaction responses are generated by the processing system in response to any aggregation values and other information. | 2013-12-05 |
20130325721 | Data Processing - A first data processing request initiated by a first communication terminal is received. The first data processing request includes second communication terminal direction information. A communication code of the second communication terminal is obtained according to the second communication terminal direction information. A request for processing data is sent to the second communication terminal according to the communication code of the second communication terminal A second data processing request initiated by the second communication terminal according to the request for processing data is received and a data processing platform is informed to process data. The present techniques triggers the request for processing data of the server through the first data processing request of the first communication terminal and prompts the second communication terminal to send the second data processing request, thereby forming a reliable online payment on delivery (POD). | 2013-12-05 |
20130325722 | PAYMENT RECONCILIATION SYSTEM - The methods and systems described herein include a data gateway adapted to automate payment reconciliation between a buyer and a supplier of goods and services. The data gateway can be configured to receive and validate payment instructions for one or more payment transactions between the buyer and the supplier to select a payment method based on the payment instructions. Transaction request messages are generated and transmitted to a payment processing network or a payment transfer system associated with the selected payment method. A payment reconciliation message can then be generated and transmitted by the data gateway to a buyer adapter associated with a buyer computer system and a supplier adapter associated with a supplier computer system when the data gateway receives payment authorization from the payment processing network or payment transfer system. | 2013-12-05 |
20130325723 | GROUP FUNDING PLATFORMS AND RELATED TECHNIQUES - A variety of techniques are described herein for facilitating group funding in a network computing environment. | 2013-12-05 |
20130325724 | REMITTANCE SUBSCRIPTION - A payment provider offers a subscription service for remittances. Users of the payment provider service may elect to pay a set monthly fee (or other periodic fee), which allows a user to send unlimited remittances during the period without any additional fees for each remittance transaction. In other words, a user may elect to pay a flat fee to forego per transaction remittance fees. The fee may be the same for all users or may differ based on various factors, which can include the number of remittances the user expects to send during the period, the total amount of money expected to be sent, the residences of intended recipients, etc. | 2013-12-05 |
20130325725 | PEOPLE IN CONTEXT - A method for contacting people involves identifying, prior to an exploration and production (E&P) tool session, a first person accessing a first portion of the historic information in a subterranean formation field data set, adding, prior to the E&P tool session, the first person to a people-in-context list by at least storing an identifier of the first person with a reference to the first portion of the historic information, presenting, during the E&P tool session to a user controlling the E&P tool session, a selection menu based on the people-in-context list, receiving, during the E&P tool session, a first selection from the user, wherein the first selection identifies the first person from the selection menu, and establishing, in response to the first selection from the user, a first communication session between the user and the first person in the people-in-context list. | 2013-12-05 |
20130325726 | METHODS FOR PROVIDING CROSS-VENDOR SUPPORT SERVICES - According to one aspect, in response to a request from a mobile application running at a mobile device of a customer, a personalized page is transmitted to the mobile application, the personalized page including a list of products retrieved from a customer profile of the customer. Each of the products is associated with one or more communications channels preferred by an associated client, which are retrieved from the client database. A live support request is received from the mobile application initiated from a selected product of the personalized page, the live support request including a selection selecting one of the preferred communications channels listed on the personalized page. A live communication session is established between the customer and a support agent using a selected communications channel for live support services to the customer concerning the selected product. | 2013-12-05 |
20130325728 | SYSTEMS AND METHODS FOR ELECTRONICALLY JOURNALING NOTARIAL ACTS - A system and method is disclosed for electronically journaling notarial acts using a mobile device. The method includes capturing within a mobile application electronic evidence of the notarial act including, for example, date, time, GPS generated location, magnetic stripe reading (or 2d/3d/QR barcode scan) or image of a signer's government issued identification. The method also includes verifying the authenticity of the government identification and verifying the identity and physical presence before the notary of the individual whose signature is being notarized. The method also includes transmitting an encrypted version of the evidence from the mobile device to a web application, and verifying that the evidence has been stored electronically in a database in a non-modifiable, chronological—sequential manner that is retrievable and decryptable by the notary or other officially authorized parties. | 2013-12-05 |
20130325729 | REPORT GENERATOR FOR ALLOWING A FINANCIAL ENTITY TO MONITOR SECURITIES CLASS ACTION LAWSUITS AND POTENTIAL MONETARY CLAIMS RESULTING THEREFROM - Reports are automatically created of securities class action lawsuits customized to show potential monetary claims resulting from the lawsuits for securities purchased or acquired by one or more financial entities. | 2013-12-05 |
20130325730 | PROPERTY CENTRIC DIGITAL COMMUNITY - Provided herein are systems and methods for providing a property centric digital community for home owners, renters, and buyers. | 2013-12-05 |
20130325731 | SYSTEMS AND METHODS FOR PROVIDING ORGANIZATIONAL COMPLIANCE MONITORING - A method performed by a computing device and having one or more processors and memory storing one or more programs for execution by the one or more processors, comprising information including a representation of at least one compliance issue is received. The information is analyzed to determine at least one entity to which the at least one compliance issue is pertinent. The information is forwarded to the at least one entity in response to a determination that the legal change is pertinent to the at least one entity. A response is received from the at least one entity a response including a representation as to how the at least one entity intends to address the compliance issue. | 2013-12-05 |
20130325732 | Heat Transfer Compositions - A heat transfer composition comprising trans-1,3,3,3-tetrafluoropropene (R-1234ze(E)), difiuoromethane (R-32) and 1,1-difluoroethane (R-152a). | 2013-12-05 |
20130325733 | METHOD AND SYSTEM FOR INTEGRATING AN ENTERPRISE APPLICATION WITH A SOCIAL NETWORKING APPLICATION - Disclosed is an approach for integrating one or more enterprise applications with a social networking application. Integration is provided between a CRM application and the social networking application. | 2013-12-05 |
20130325734 | Systems and Methods for Recruiting Candidates for Employment Opportunities - Systems and methods for recruiting candidates for employment opportunities are disclosed. Systems and methods to create a talent pool of job candidates and identify the candidates within that pool who are potentially best qualified and be inclined to consider current job openings that has been matched to their aspirations for a career move. In particular, passive candidates, persons who are not actively looking for work, are targeted and monitored for indications that they may be interested in considering potential employment opportunities. Passive candidates are obtained from various sources, for example, a prehire or reference checking service. | 2013-12-05 |
20130325735 | Methods for Providing Unique Employee Benefits in Partnership with a Service Provider and System Therefor - A method and system to provide benefits to employees or other users associated with an organization, where the benefits are discounted goods and services is described. The system may involve a benefits provider that coordinates the program. The system may be effected by various computer networks involving databases. | 2013-12-05 |
20130325736 | System For Selling - A system for selling comprises allowing an item 10 to be purchased by a user, allowing at least one cause to be associated with the item, providing a dispersement indicator | 2013-12-05 |
20130325737 | System And Method To Determine Shipping Information - A system to determine shipping information is described. The system including memory, one or more processors, and one or more modules stored in memory and configured for execution by the one or more processors. The modules including a shipping options module configured to determine at least one shipping option based on an input received from a user device. A date determination module coupled with the shipping options module. The date determination module configured to determine at least one delivery date of a shipment responsive to the input. And, a format module configured to transform the at least one shipping option and the at least one delivery date into a format for the user device. | 2013-12-05 |
20130325738 | LOCATION SERVICE FOR PHYSICAL DELIVERY - Methods, apparatuses and storage medium associated with providing location service, are disclosed. In various embodiments, a method may include receiving, by a location server, location information associated with a user of a mobile device or a party associated with user; and receiving, by the location server, from a delivery service server, a request for the location information. The request may include a credential indicative of eligibility of the delivery service server to receive the requested location information. The method may further include providing, by the location server, to the delivery service server, the location information, on confirmation of the eligibility of the delivery service server based at least in part on the credential. Other embodiments may be disclosed or claimed. | 2013-12-05 |
20130325739 | SYSTEMS AND METHODS FOR TRACKING SHIPMENTS - The processing of data and inventory, particularly with regards to packages having an issue affecting their delivery, is disclosed. Among other things, embodiments of the present disclosure help enable the quick, efficient, and accurate resolution to such issues. According to various embodiments, a method performed by a computer program operating on a computer system is disclosed, the method comprising: accessing, by the computer system, a database containing a plurality of database entries for a respective plurality of packages to be matched with an intended recipient; identifying, by the computer system, one or more entries from the plurality of entries for which the respective packages for the one or more entries are unmatched to any recipient; and generating an alert, by the computer system, including information regarding the one or more unmatched packages. | 2013-12-05 |
20130325740 | System and Method for Increasing Asset Utilization Using Satellite Aided Location Tracking - A system and method for increasing asset utilization using satellite aided location tracking. Smart sensor technology incorporated into mobile tracking hardware affixed to an asset can be used to support decision processes related to management of multiple assets. Automated decision processes based on customized business rules can operate on asset positions at various defined landmark locations and customized geographical areas. | 2013-12-05 |
20130325741 | System And Method To Synchronize Shipment Delivery - A system to synchronize delivery of shipments is described that includes modules. The modules including a rule module configured to determine at least two merchandise origin locations based on an input received from a user device. A date determination module coupled with the rule module. The date determination module configured to receive the at least two merchandise origin locations from the rule module and configured to determine at least one delivery date for delivery to a merchandise destination location such that a first merchandise at a first merchandize origin location and a second merchandize at a second merchandise origin location are scheduled to arrive at said merchandise destination location on the determined at least one delivery date. And, a format module configured to transform the at least one delivery date into a format for the user device. | 2013-12-05 |
20130325742 | DATA STORAGE METHODS - The processing of data and inventory, particularly with regards to packages having an issue affecting their delivery, is disclosed. Among other things, embodiments of the present disclosure help enable the quick, efficient, and accurate resolution to such issues. According to various embodiments, a method performed by a computer program operating on a computer system is disclosed, the method comprising: storing, by the computer system, a first record in a database in communication with the computer system, the first record including a first key associated with the first record, and a second key associated with a second record stored in the database; updating, by the computer system, an entry in an index table, wherein the entry includes the second key associated with the second record, and updating the entry includes adding at least a portion of the first key to the entry. | 2013-12-05 |
20130325743 | SYSTEMS AND METHODS FOR TRACKING PACKAGES - According to various embodiments, a method performed by a computer program operating on a computer system is disclosed, the method comprising: accessing, by the computer system, a database in communication with the computer system, wherein the database contains a plurality of records, wherein each record in the plurality of records includes a status condition; accessing, by the computer system, a rule set for the status conditions for the plurality of records, the rule set stored in a memory in communication with the computer system; identifying based on the rule set, by the computer system, one or more records from the plurality of records having a disallowed status condition; and generating, by the computer system, an alert, the alert including a list of the one or more records having a disallowed status condition. | 2013-12-05 |
20130325744 | INTERACTIVE BUSINESS DATA DISPLAYS FOR EMPLOYEES - According to some embodiments, an employee identifier may be received from an employee of an enterprise via an employee device. Based on the employee identifier, a subset of customers associated with the employee may be determined, and business data for each customer in the subset of customers may be received from a remote business server. For each customer in the subset of customers, a display of a virtual plant on the employee device may be automatically facilitated, wherein the display of each plant is automatically modified based at least in part on the business data received for that customer. According to some embodiments, an interactive employee input associated with a first virtual plant is received via the employee device and the display of the first virtual plant may be further modified based on the interactive employee input. | 2013-12-05 |
20130325745 | Providing Feedback via a Social Network from a Media Distribution Platform - A method to provide information about media products available through a media distribution platform enables users of the media distribution platform to communicate information about media products via social network messages. Upon selection of an option by a user to communicate information about a media product via a social network message, the media distribution platform generates a pre-filled social network message that includes an identifier of the media product. In addition to allowing information about media products to be communicated via the social network, the media product identifier also enables the media distribution platform to retrieve information about a media product's popularity as indicated by the number of social network messages that include the identifier. This information can be utilized to enhance and personalize user media product recommendations through the media distribution platform. | 2013-12-05 |
20130325746 | Method for Analyzing and Ranking Venues - A technique is disclosed for ranking venues and for providing a user with one or more of the ranked venues. To do so, a data processing system trains a model during a first, training sequence, by using a training dataset of past check-ins that were made by users visiting venues. The trained model, representing a learned hypothesis, represents venues that are ranked according to their relevance to users who are also represented by the model. During a second, run-time sequence, the system receives real-time geolocation data that represents users and generates a set of candidate venues for a user by determining venues that are nearby the geolocation of the user. The system then ranks the generated candidate venues by applying the learned hypothesis. One or more of the ranked venues can be provided to a user's wireless terminal, for example, where they can be presented as venue recommendations. | 2013-12-05 |
20130325747 | STOCK ANALYSIS METHOD, COMPUTER PROGRAM PRODUCT, AND COMPUTER-READABLE RECORDING MEDIUM - In a stock analysis method for performing an analysis on stocks to select target ones to be bought/sold from the stocks, each stock is grouped into a corresponding group based on stock return data thereof, market return data and industry return data of each corresponding classified industry. Clustering data for each stock corresponding to each time interval and associated with the groups is obtained based a clustering mode. Analysis data for each stock corresponding to a coming time interval is estimated based on the corresponding clustering data. Any ones of the stocks, whose analysis data matches predetermined selection criteria, are determined as the target stocks. | 2013-12-05 |
20130325748 | NAVIGATION LOGIC CONSTRUCT FOR USE IN FORMULATION OF A RETIREMENT OUTCOME FRAMEWORK - A method for navigating to one or more customized, goals-based retirement outcome solution(s) is provided. The method may include using a receiver to receive essential expense information from an investor. The method may further include using the receiver to receive income information from the investor. In addition to a receiver, the method may also use a processor. The method may include using the processor to calculate: | 2013-12-05 |
20130325749 | Options in play development hero - The present invention is in the field of real-estate acquisition for economic development. More particularly, the present invention is drawn to a method for making blocks of real-estate readily available for economic development at a minimum cost to investors, while expediting that development, and rewarding real-estate owners with options to purchase contracts. | 2013-12-05 |
20130325750 | SYSTEM AND METHOD FOR AN ALGORITHM INVESTMENT MODEL - A system and method for raising funds for the development of a software application by pre-licensing a software application in a parallel processing development environment. Further including a pre-license auction aspect for auctioning off excess application uses to other users that exist within the development environment. | 2013-12-05 |
20130325751 | ASSET PLANNING AND TRACKING - A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets. | 2013-12-05 |
20130325752 | SYSTEM AND METHOD FOR EVALUATING DEFINED CONTRIBUTION PLANS - A system and method for comparing retirement plans against a selected group of similar plans is disclosed. In one embodiment, a computer system for evaluating a retirement plan comprises a computer server having a database comprising a plurality of data defining a plurality of characteristics of each of a plurality of retirement plans, software configured for identifying a subset of the plurality of retirement plans having characteristics comparable to characteristics of a selected retirement plan, software configured for permitting the selection of at least one report from a plurality of report types, and software configured for automatically generating the selected at least one report, where the at least one report comprises an evaluation of the characteristics of the selected retirement plan against the characteristics of the subset of the plurality of retirement plans. | 2013-12-05 |
20130325753 | Comprehensive and standardized method of estimating pricing for repair of automobile dent damage by Paintless Dent Repair (PDR) and/or Push-to-Paint (PTP) techniques - A computer-based system, method and computer program product for estimating the repair costs for paintless dent removal and ready-to-paint dent repair for irregular dents in automobiles, which includes a user interface, a dent estimator database and computer program that matches variable information received from a user with corresponding values in the dent estimator database and calculates an estimated cost for repair of dents on an automobile. The system, method and product allows an untrained person to accurately estimate the cost of paintless dent repair for irregular shaped dents. | 2013-12-05 |
20130325754 | Residential Housing Complex - A residential housing complex that includes a school. The school (e.g. primary and/or secondary school) uses a machine-guided teaching curriculum. For example, the school can implement a blended learning curriculum. The residential housing complex may be located in urban areas to provide better schools for families with children. | 2013-12-05 |
20130325755 | METHODS AND SYSTEMS FOR OPTIMIZING MESSAGES TO USERS OF A SOCIAL NETWORK - Techniques to optimize messages sent to a user of a social networking system. In one embodiment, information about the user may be collected by the social networking system. The information may be applied to train a model for determining likelihood of a desired action by the user in response to candidate messages that may be provided for the user. The social networking system may provide to the user a message from the candidate messages with a selected likelihood of causing the desired action. | 2013-12-05 |
20130325756 | GRAPH-BASED FRAMEWORK FOR MULTI-TASK MULTI-VIEW LEARNING - A system and method a Multi-Task Multi-View (M | 2013-12-05 |
20130325757 | CASCADING LEARNING SYSTEM AS SEMANTIC SEARCH - A cascading learning system as a semantic search is described. The cascading learning system has a request analyzer, a request dispatcher and classifier, a search module, a terminology manager, and a cluster manager. The request analyzer receives a request for search terms from a client application and determines term context in the request to normalize request data from the term context. The normalized request data are classified and dispatched to a corresponding domain-specific module. Each domain-specific module of a search module generates a prediction with a trained probability of an expected output. The terminology manager receives normalized request data from the request dispatcher and classifier, and manages terminology stored in a contextual network. The cluster manager controls data flow between the request dispatcher and classifier, the search module container, the terminology manager, and a business data source system. | 2013-12-05 |
20130325758 | TAILORED OPERATING SYSTEM LEARNING EXPERIENCE - This document describes techniques and apparatuses enabling a tailored operating system learning experience. The techniques can tailor a learning experience to a user's computing device or a user's specifications. This tailoring to the user's computing device may include an interactive demonstration showing a new feature controlled through a mouse if the user's computing device has a mouse, or a touchscreen if the user's computing device has a touchscreen, for example. Further, this tailoring may include showing a new feature according to a user's specifications, such as describing a feature using a large font or with a large, bright mouse-pointer if the user indicated that he or she is visually impaired. | 2013-12-05 |
20130325759 | METHODS AND APPARATUS FOR PERFORMING TRANSFORMATION TECHNIQUES FOR DATA CLUSTERING AND/OR CLASSIFICATION - Some aspects include transforming data for which at least one constraint has been specified on a portion of the data, the at least one constraint relating to a similarity and/or dissimilarity of at least some of the portion of the data. Techniques comprise determining a first transformation that approximates the at least one constraint using a cosine similarity as a measure of the similarity and/or dissimilarity of the at least a portion of the data, applying at least the first transformation to the data to obtain transformed data, and fitting a plurality of clusters to the transformed data to obtain a plurality of established clusters. Some aspects include classifying input data by transforming the input data using at least the first transformation and comparing the transformed input data to the established clusters. | 2013-12-05 |
20130325760 | METHOD FOR EXTRACTING CRITICAL DIMENSION OF SEMICONDUCTOR NANOSTRUCTURE - A method for extracting a critical dimension of a semiconductor nanostructure. The method includes: 1) determining a value range for each parameter to be extracted, whereby generating an electronic spectra database, and employing training spectra and support vector machine (SVM) training networks for training of SVMs; 2) employing the SVMs after training to map measured spectra to yield a corresponding electronic spectra database; and 3) employing a searching algorithm to search for an optimum simulation spectrum in the corresponding electronic spectra database, simulation parameters corresponding to the simulation spectrum being the critical dimension of the semiconductor nanostructure to be extracted. | 2013-12-05 |
20130325761 | METHOD AND APPARATUS FOR DETECTING ABNORMAL TRANSITION PATTERN - A method for detecting an abnormal transition pattern from a transition pattern includes: first extracting an episode pattern with an appearance frequency greater than or equal to a first frequency from an episode pattern represented with a description form so as to include a first transition pattern and a second transition pattern differing in an order of a part of items from the first transition pattern to have a complementary relation thereto; second extracting a third transition pattern with an appearance frequency greater than or equal to a second frequency from the transition pattern; and specifying a transition pattern other than the third transition pattern from transition patterns included in the extracted episode pattern, and determining an abnormal transition pattern based on the transition pattern specified in the specifying when the third transition pattern includes a fourth transition pattern corresponding to the extracted episode pattern in the first extracting. | 2013-12-05 |
20130325762 | ADAPTIVE REMOTE MAINTENANCE OF ROLLING STOCKS - Adaptive remote maintenance of rolling stocks is provided by machine-learning ( | 2013-12-05 |
20130325763 | PREDICTING LIKELIHOOD OF ON-TIME PRODUCT DELIVERY, DIAGNOSING ISSUES THAT THREATEN DELIVERY, AND EXPLORATION OF LIKELY OUTCOME OF DIFFERENT SOLUTIONS - A task effort estimator may determine a probability distribution of an estimated effort needed to complete unfinished tasks in a project based on one or more of a set of completed tasks belonging to a project and attributes associated with the completed tasks belonging to the project, a set of completed tasks not belonging to the project and attributes associated with the completed tasks not belonging to the project, or the combination of both. A project completion predictor may determine a probability distribution of completion time for the project based on the probability distribution of an estimated effort needed to complete the unfinished tasks in the project, and one or more resource and scheduling constraints associated with the project. | 2013-12-05 |
20130325764 | UPDATING POLICY PARAMETERS UNDER MARKOV DECISION PROCESS SYSTEM ENVIRONMENT - Embodiments relate to updating a parameter defining a policy under a Markov decision process system environment. An aspect includes updating the policy parameter stored in a storage section of a controller according to an update equation. The update equation includes a term for decreasing a weighted sum of expected hitting times over a first state (s) and a second state (s′) of a statistic on the number of steps required to make a first state transition from the first state (s) to the second state (s′). | 2013-12-05 |
20130325765 | CONTINUOUS TIME SPIKING NEURAL NETWORK EVENT-BASED SIMULATION - Certain aspects of the present disclosure provide methods and apparatus for a continuous-time neural network event-based simulation that includes a multi-dimensional multi-schedule architecture with ordered and unordered schedules and accelerators to provide for faster event sorting; and a formulation of modeling event operations as anticipating (the future) and advancing (update/jump ahead/catch up) rules or methods to provide a continuous-time neural network model. In this manner, the advantages include faster simulation of spiking neural networks (order(s) of magnitude); and a method for describing and modeling continuous time neurons, synapses, and general neural network behaviors. | 2013-12-05 |
20130325766 | SPIKING NEURON NETWORK APPARATUS AND METHODS - Apparatus and methods for heterosynaptic plasticity in a spiking neural network having multiple neurons configured to process sensory input. In one exemplary approach, a heterosynaptic plasticity mechanism is configured to select alternate plasticity rules when performing neuronal updates. The selection mechanism is adapted based on recent post-synaptic activity of neighboring neurons. When neighbor activity is low, a regular STDP update rule is effectuated. When neighbor activity is high, an alternate STDP update rule, configured to reduce probability of post-synaptic spike generation by the neuron associated with the update, is used. The heterosynaptic mechanism impedes that neuron to respond to (or learn) features within the sensory input that have been detected by neighboring neurons, thereby forcing the neuron to learn a different feature or feature set. The heterosynaptic methodology advantageously introduces competition among neighboring neurons, in order to increase receptive field diversity and improve feature detection capabilities of the network. | 2013-12-05 |
20130325767 | DYNAMICAL EVENT NEURON AND SYNAPSE MODELS FOR LEARNING SPIKING NEURAL NETWORKS - Certain aspects of the present disclosure provide methods and apparatus for a continuous-time neural network event-based simulation. This model is flexible, has rich behavioral options, can be solved directly, and is low complexity. One example method generally includes determining a first state of a neuron model at or shortly after a first event, wherein the neuron model has a closed-form solution in continuous time; and determining a second state of the neuron model at or shortly after a second event, based on the first state. Dynamics of the first and second states are coupled to the neuron model only at the first and second events, respectively, and are decoupled between the first and second events. | 2013-12-05 |
20130325768 | STOCHASTIC SPIKING NETWORK LEARNING APPARATUS AND METHODS - Generalized learning rules may be implemented. A framework may be used to enable adaptive spiking neuron signal processing system to flexibly combine different learning rules (supervised, unsupervised, reinforcement learning) with different methods (online or batch learning). The generalized learning framework may employ time-averaged performance function as the learning measure thereby enabling modular architecture where learning tasks are separated from control tasks, so that changes in one of the modules do not necessitate changes within the other. Separation of learning tasks from the control tasks implementations may allow dynamic reconfiguration of the learning block in response to a task change or learning method change in real time. The generalized spiking neuron learning apparatus may be capable of implementing several learning rules concurrently based on the desired control application and without requiring users to explicitly identify the required learning rule composition for that task. | 2013-12-05 |
20130325769 | PROVIDING RECOMMENDATIONS USING INFORMATION DETERMINED FOR DOMAINS OF INTEREST - Techniques are described for determining and using information related to domains of interest, such as by automatically analyzing documents and other information related to a domain in order to automatically determine relationships between particular terms within the domain. Such automatically determined information may then be used to assist users in obtaining information from the domain that is of interest (e.g., documents with contents that are relevant to user-specified terms and/or to other terms that are determined to be sufficiently related to the user-specified terms). For example, recommendations may be automatically generated for a user by using information about specified preferences or other interests of the user with respect to one or more terms and identifying other particular terms that are sufficiently probable to be of interest to that user, such as based on a generated probabilistic representation of relationships between particular terms for the domain. | 2013-12-05 |
20130325770 | PROBABILISTIC LANGUAGE MODEL IN CONTEXTUAL NETWORK - A method and apparatus for detection of relationships between objects in a meta-model semantic network is described. Semantic objects and semantic relations of a meta-model of business objects are generated from a meta-model semantic network. The semantic relations are based on connections between the semantic objects. A probability model of terminology usage in the semantic objects and the semantic relations is generated. A neural network is formed based on usage of the semantic objects, the semantic relations, and the probability model. The neural network is integrated with the semantic objects, the semantic relations, and the probability model to generate a contextual network. The generated probability model is integrated with semantic objects and neural networks for form parallel networks. | 2013-12-05 |
20130325771 | NEW CLASSIFICATION METHOD FOR SPECTRAL DATA - The present invention relates to a new method for classification of spectral data comprising:
| 2013-12-05 |
20130325772 | Event Monitoring Devices and Methods | 2013-12-05 |
20130325773 | STOCHASTIC APPARATUS AND METHODS FOR IMPLEMENTING GENERALIZED LEARNING RULES - Generalized learning rules may be implemented. A framework may be used to enable adaptive signal processing system to flexibly, combine different learning rules (supervised, unsupervised, reinforcement learning) with different methods (online or batch learning). The generalized learning framework may employ time-averaged performance function as the learning measure thereby enabling modular architecture where learning tasks are separated from control tasks, so that changes in one of the modules do not necessitate changes within the other. The generalized learning apparatus may be capable of implementing several learning rules concurrently based on the desired control application and without requiring users to explicitly identify the required learning rule composition for that application. | 2013-12-05 |
20130325774 | LEARNING STOCHASTIC APPARATUS AND METHODS - Generalized learning rules may be implemented. A framework may be used to enable adaptive signal processing system to flexibly combine different learning rules (supervised, unsupervised, reinforcement learning) with different methods (online or batch learning). The generalized learning framework may employ non-associative transform of time-averaged performance function as the learning measure, thereby enabling modular architecture where learning tasks are separated from control tasks, so that changes in one of the modules do not necessitate changes within the other. The use of non-associative transformations, when employed in conjunction with gradient optimization methods, does not bias the performance function gradient, on a long-term averaging scale and may advantageously enable stochastic drift thereby facilitating exploration leading to faster convergence of learning process. When applied to spiking learning networks, transforming the performance function using a constant term, may lead to non-associative increase of synaptic connection efficacy thereby providing additional exploration mechanisms. | 2013-12-05 |
20130325775 | DYNAMICALLY RECONFIGURABLE STOCHASTIC LEARNING APPARATUS AND METHODS - Generalized learning rules may be implemented. A framework may be used to enable adaptive signal processing system to flexibly combine different learning rules (supervised, unsupervised, reinforcement learning) with different methods (online or batch learning). The generalized learning framework may employ average performance function as the learning measure thereby enabling modular architecture where learning tasks are separated from control tasks, so that changes in one of the modules do not necessitate changes within the other. Separation of learning tasks from the control tasks implementations may allow dynamic reconfiguration of the learning block in response to a task change or learning method change in real time. The generalized learning apparatus may be capable of implementing several learning rules concurrently based on the desired control application and without requiring users to explicitly identify the required learning rule composition for that application. | 2013-12-05 |
20130325776 | APPARATUS AND METHODS FOR REINFORCEMENT LEARNING IN ARTIFICIAL NEURAL NETWORKS - Neural network apparatus and methods for implementing reinforcement learning. In one implementation, the neural network is a spiking neural network, and the apparatus and methods may be used for example to enable an adaptive signal processing system to effect focused exploration by associative adaptation, including providing a negative reward signal to the network, which may increase excitability of the neurons in combination with decrease in excitability of active neurons. In certain implementations, the increase is gradual and of smaller magnitude, compared to the excitability decrease. In some implementations, the increase/decrease of the neuron excitability is effectuated by increasing/decreasing an efficacy of the respective synaptic connections delivering presynaptic inputs into the neuron. The focused exploration may be achieved for instance by non-associative potentiation configured based at least on the input spike rate. The non-associative potentiation may further comprise depression of connections that provide input in excess of a desired limit. | 2013-12-05 |
20130325777 | SPIKING NEURON NETWORK APPARATUS AND METHODS - Apparatus and methods for heterosynaptic plasticity in a spiking neural network having multiple neurons configured to process sensory input. In one exemplary approach, a heterosynaptic plasticity mechanism is configured to select alternate plasticity rules when performing neuronal updates. The selection mechanism is adapted based on recent post-synaptic activity of neighboring neurons. When neighbor activity is low, a regular STDP update rule is effectuated. When neighbor activity is high, an alternate STDP update rule, configured to reduce probability of post-synaptic spike generation by the neuron associated with the update, is used. The heterosynaptic mechanism impedes that neuron to respond to (or learn) features within the sensory input that have been detected by neighboring neurons, thereby forcing the neuron to learn a different feature or feature set. The heterosynaptic methodology advantageously introduces competition among neighboring neurons, in order to increase receptive field diversity and improve feature detection capabilities of the network. | 2013-12-05 |
20130325778 | CONJUNCTIVE NORMAL FORM ENCODING OF CARDINALITY CONSTRAINTS - A method, apparatus and product for encoding a cardinality constraint in Conjunctive Normal Form (CNF). The method comprising: having a Boolean formula comprising a cardinality constraint, wherein the cardinality constraint relating to a set of Boolean variables, the set of variables consisting of N variables, the cardinality constraint given in a non-Conjunctive Normal Form; and encoding the cardinality constraint in Conjunctive Normal Form based on a mapping by a Perfect Hash Family, whereby said memory is modified to retain the CNF encoded cardinality constraint. | 2013-12-05 |