02nd week of 2012 patent applcation highlights part 53 |
Patent application number | Title | Published |
20120011000 | MOBILE BILLBOARD ADVERTISING SYSTEM AND APPARATUSES - A novel advertising method at least includes: receiving at least one advertising placement offer for the placement of an advertisement, the offer including proposed consideration; accepting an advertising placement order; and displaying an advertisement which is the subject of an accepted advertising placement order on a plurality of mobile, changeable advertising message displays carried by a plurality of coordinated automobiles, which changeable displays are capable of displaying more than one separate advertising message at different times. Each changeable advertising message display at least includes: a visual display; a multiple advertising message generator coupled to the visual display, the multiple advertising message generator adapted to generate a plurality of different advertising messages; and an advertising message selector adapted to select a current advertising message to be displayed. | 2012-01-12 |
20120011001 | SYSTEM AND METHOD FOR EMBEDDED ADDRESSABLE CONTENT WITHIN TEXT AND GRAPHICS FOR DIGITAL MEDIA - A system and method is provided for embedding variable advertising content into an electronic book including a receiver positioned about the electronic book and configured to receive information; a processor for determining whether one or more tags are present in the information received and a replacement module for replacing the one or more tags with the advertising content, the advertising content derived from profile data associated with a plurality of users. | 2012-01-12 |
20120011002 | SYSTEM AND METHOD FOR CONTEXTUAL VIRTUAL LOCAL ADVERTISEMENT INSERTION - A system and method for presenting advertising, the method including but not limited to presenting on a first end user device, a first personalized advertisement in a first avatar's view of a virtual world and presenting on a second end user device, a second personalized advertisement in a second avatar's view of the virtual world. | 2012-01-12 |
20120011003 | Review of Advertisements - Among other things, techniques and systems are disclosed for reviewing ad campaigns prior to presentation by a publisher. Specifically, the techniques and systems enable a publisher to decline advertisement creatives (or individual ads) that the publisher finds objectionable or otherwise does not want to publish. A disclosed method includes receiving, from an advertiser, a plurality of ad campaigns each including a set of creatives and a schedule. The method further includes reviewing an ad campaign from the plurality of ad campaigns to identify an objectionable creative. Furthermore, the method includes identifying one or more instances of the objectionable creative in other ad campaigns from the plurality of ad campaigns based on the review of the ad campaign and before review the other ad campaigns. For each of the other ad campaigns having at least an instance from among the identified one or more instances of the objectionable creative, the method also includes automatically generating a modified schedule and a modified set of creatives including the set of creatives minus the objectionable creative. | 2012-01-12 |
20120011004 | Social and shopping network that offers combined use of comparison shopping, classifieds,social networking,consumer and business reviews and news - Securing member logins using PHP in tandem with a MySQL database. Visible registered users login string is embedded within HTML, Different fonts may be used. HTML entry fields are designed to accept a minimum and maximum amount of characters necessary to enter the information into the system. A database also created in MySQL that has fields for a chosen “user name” and chosen” user password and the ability to create a one log in and profile for the registered user to access all the websites at once under the main domain and or other sites within the network as a first login. | 2012-01-12 |
20120011005 | Sharing advertising revenue with user browsing website - Presented herein is a web browser that users are paid to use. The web browser includes a small window for advertisements. Advertisers are able to pay on a ‘by the user’ basis, because advertisers can know precisely how many users have viewed the advertisement. The publisher can maintain the browser/browser extension and transmit relevant advertisements based on user data and behavior. The publisher can share part of the revenue generated from advertisers with the users. The software/browser extension can help advertisers connect directly with users. | 2012-01-12 |
20120011006 | System And Method For Real-Time Analysis Of Opinion Data - A system and method for providing surveys includes a server that allows client devices to access surveys over the Internet. The survey may overlap some content, such as a television show, and a user is given a mechanism for providing real-time attitude about the content by expressing either positive or negative reactions. The user's opinion data is aggregated with other users' opinion data and provided as a graph along a timeline in real-time. | 2012-01-12 |
20120011007 | Mobile Payment Using DTMF Signaling - Systems and methods are disclosed for mobile payment using dual-tone multi-frequency (DTMF) signals. A mobile device equipped with at least a speaker and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the payment key, translates the key to DTMF signals, and plays the DTMF signals over the speaker of the mobile device. The user holds the mobile device speaker close to a microphone of a DTMF scanner at a POS terminal. The DTMF scanner includes logic that extracts the payment key from the DTMF signals, and the POS terminal uses the payment key to bill the user. The POS terminal transmits the bill with the payment key to the server on the network. The server ensures that the key is active, and debits an account for the user based on the amount presented in the bill. The key is de-activated after a specified time period or one use, whichever occurs first. | 2012-01-12 |
20120011008 | INTERFACE MODULE, SYSTEM AND METHOD - An interface module is provided for a sales processing system that facilitates the integration of a payment system and external systems with the sales processing system. In one implementation, the interface module includes a first interface configured to support a first protocol for communication with a sales processing module of the sales processing system, a second interface configured to support a second protocol for communication with a payment system, and a third interface configured to support a third protocol for communication with a transaction system for external services. The interface module further includes a controller operable to control routing of messages between the first, second and third interfaces, and reformatting of the messages in accordance with the first, second and third protocols, respectively. | 2012-01-12 |
20120011009 | TWO PHASE PAYMENT LINK AND AUTHORIZATION FOR MOBILE DEVICES - Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device. | 2012-01-12 |
20120011010 | SECURE SYSTEM AND PROCESS FOR IDENTIFICATION AND IDENTITY REGISTRATION - An identification and registration system including a scanner (J) for making a digital copy of an identity document (K), a server (A), transmission means for transmitting said digitized copy, character recognition means (E) for extracting from said digital copy information relating to identity, a database (B) for storing said digital copy and said identity-related information, a EPT/POS electronic payment terminal (I), transmission means for transmitting said identity-related information to said EPT/POS, a telephone (H) associated with a secret code, transmission means for transmitting the number of said telephone from said EPT/POS to said server, means for sending by said server to said EPT/POS a melody to be played, means (C) for calling said telephone by said server, and means of audio identification (C) by said server of said melody via said telephone call to said cellular telephone. | 2012-01-12 |
20120011011 | Method and System for Detection of Credit Card Fraud - A method and system for detecting and preventing the fraudulent use of credit/debit cards. A number, referred to as a pre-stored Card Identity Key, is typically four or five digits in length, and the final two digits of this number are variable according to a formula which is applied at the time of the attempted transaction. The pre-stored CIK is created by the credit card owner or issued by the card-issuing financial institution, and is maintained in the card-issuing financial institution's computer database and used along with a software routine for validation. The software routine used for validation employs the formula, which is typically created and memorized by the card owner, to generate a dynamic Card Identity Key from the pre-stored Card Identity Key. The dynamic Card Identity Key must be entered by the card holder/user at a merchant terminal for validation of the transaction. Typically the internal time and/or date are displayed on the screen at the merchant terminal at the time the user's credit card is swiped, and at least a portion of the time and/or date shown is utilized in the formula to generate the dynamic Card Identity Key. | 2012-01-12 |
20120011012 | SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION - A system and method for disputing individual items that are the subject of a transaction includes storing, in a database, a record of a transaction in which a plurality of goods or services were sold to an individual that owns a transaction card through which access to monetary funds may be obtained, so that the transaction is identified by a transaction identifier. Also, information identifying each good or service that is a subject of the transaction is associated with said transaction identifier. A cost associated with one of the goods or services associated with the transaction identifier is disputed, without subjecting costs of all goods or services that are associated with said transaction identifier to dispute. | 2012-01-12 |
20120011013 | CASH AND CREDIT PRICING OF DIGITAL MEDIA USING CREDIT PACKS - Embodiments are directed towards providing a method and a system for licensing digital media items, including providing a search interface for a web browser, which enables a customer to interactively select one or more media items from a plurality of media items available for licensing, establishing prices in credits for licenses to the plurality of media items, determining cash prices corresponding to the prices in credits for the licenses to the plurality of media items, enabling a customer to purchase one or more credit packs, each credit pack including a specified number of credits for a specified price; and, enabling the customer to pay for the licenses to the one or more selected media items with cash, or with credits from the one or more credit packs purchased by the customer. | 2012-01-12 |
20120011014 | MEDIA PURCHASE TECHNIQUES - Media purchase techniques are described. In an implementation, an indication is received that an item of media was successfully purchased through a single transaction that includes rights for access to the item of media in different forms that are optimized, respectively, for different classes of computing devices. Responsive to the receipt of the indication, the item of media is permitted to be streamed to at least one of the computing devices to enable output of the item of media for playback as the item of media is streamed and storage of the item of media to local storage of the computing device. | 2012-01-12 |
20120011015 | System for Managing Relationships with Constituents on Social Networks using CRM (Constituent Relationship Management) Systems - A Social Network Application enables institutions (such as colleges and universities or institutions in other business verticals) to communicate and engage with their constituents (prospects, applicants, students, faculty, alumni, etc) on Social Networks (e.g.: Facebook.com, MySpace.com. Orkut.com, etc) by providing a platform through which constituents may find and connect with each institutions and friends on these networks, and through which institutions may answer questions from constituents, push or allow constituents to pull personalized content within the Social Network, register constituents for online and in-person events and interviews, and otherwise communicate through various channels (e.g.: RSS, SMS/text messaging, phone, etc.). The invention provides an interface that enables the aforementioned to be managed from within a CRM system at the institution that is not otherwise related to the Social Network. | 2012-01-12 |
20120011016 | Scalable Distributed Transactions Manager For Multi-Host Transactions - A system for managing transactions such as sales and exchanges of resources in a virtual environment. A first host maintains records, including identifiers of resources and identifiers of entities which control the resources. A second host receives a request for a transaction involving a first entity acquiring a first resource in exchange for a payment, and instructs the first host to update the records, including adding a record which associates the first entity with the first resource, but temporarily preventing access to the first resource by the first entity. The second host instructs the first host to secure the payment from an account of the first entity. Upon receipt of a confirmation from the first host, the second host instructs the first host to update the record to allow access to the first resource by the first entity. | 2012-01-12 |
20120011017 | System And Method For Providing Image Products And/Or Services - A system and method for obtaining photographic products and/or services comprises bundling image capture and printing technologies into products and/or services that are paid for by a consumer with monthly or yearly subscription fees. The system and method involves selecting a camera and selecting a photographic products/service plan which designates photographic products and/or services which are to be associated with the selected camera. The system and method gives the consumer the option of selecting a specific camera from a menu of cameras, and a specific photographic product/service plan which is to be associated with the selected camera from a product/service menu. As a further option, the consumer can customize his/her product/service plan in accordance with his/her preference. The plan can provide for products and/or services for images captured and/or film exposed by the camera for a predetermined amount of time at a predetermined fee. At the end of the plan, the consumer could have the option of returning the camera, exchanging the camera for a different camera, or keeping the camera at no cost or for a reduced price. The photographic products and/or services provided by the plan could be products and/or services such as film developing, printing, image products, scanning, photo CDs, image storage, etc. | 2012-01-12 |
20120011018 | Systems and methods for transacting business over a global communications network such as the internet - A business process is described for conducting business transactions over the Internet, allowing buyers an opportunity to reduce the price of a product/service based on the buyer's performance during a Price-Determining-Activity (PDA). Sellers offer the product/service within a specified price range, and buyers agree to a binding agreement, in exchange for the opportunity to close the transaction at the lowest price by achieving a high score or performance during the PDA. The price may change during the PDA, and the available price at any given time may be displayed or otherwise made available to the buyer. The price change may be continuous, at intervals, in response to certain events. The PDA may be a video game, electronic board game, sports bet, card game, or any other activity, or against the seller, a software opponent, or a computer opponent. The PDA may involve another buyer competing for the same product/service. | 2012-01-12 |
20120011019 | COMPUTER IMPLEMENTED AUCTION - A method, system, processing system, and computer program product for conducting and/or participating in a real-time auction. In one form, the method includes, in a server processing system: receiving, from a seller terminal system, request data indicative of a seller's request to auction an asset; opening a real-time auction via an auction portal hosted by the server processing system for auctioning the asset, wherein the server processing system is able to receive and distribute auction activity data in real-time to and from one or more bidder terminal systems; determining, using the auction activity data, if the auction of the asset has satisfied a close condition of the real-time auction; and closing the real time auction of the asset in response to the close condition being satisfied. | 2012-01-12 |
20120011020 | MANAGING SERVICE PROVIDER SERVICE OPTIONS - A system and method for the management of services offered to subscribers by service providers are provided. A service management component manages service plan options that are provided by one or more service providers and that are made available to subscribers. The service management component processes requests from one or more service provider components to dynamically update service plan information. Such requests may include requests to add or delete service plans, add or delete features to a service plan, add or delete rule sets associated with a service plan, and the like. In this embodiment, the service management component maintains various data stores associated with available service plans and with current subscriber information that facilitate a mapping of updated service plan options to subscribers. Accordingly, the service management component manages a framework that allows the management of the mapping information. | 2012-01-12 |
20120011021 | SYSTEMS AND METHODS FOR INTELLIGENT IMAGE PRODUCT CREATION - A method for creating an image product design includes storing a plurality of page layouts for an image product, receiving a selection of one or more images for a page of an image product design by a computer system, automatically selecting a first page layout in the plurality of page layouts according to the sizes of the one or more images, and producing the image product design comprising the first page layout that incorporates the one or more images. | 2012-01-12 |
20120011022 | System And Method For Providing Image Products And/Or Services - A system and method for obtaining photographic products and/or services comprises bundling image capture and printing technologies into products and/or services that are paid for by a consumer with monthly or yearly subscription fees. The system and method involves selecting a camera and selecting a photographic products/service plan which designates photographic products and/or services which are to be associated with the selected camera. The system and method gives the consumer the option of selecting a specific camera from a menu of cameras, and a specific photographic product/service plan which is to be associated with the selected camera from a product/service menu. As a further option, the consumer can customize his/her product/service plan in accordance with his/her preference. The plan can provide for products and/or services for images captured and/or film exposed by the camera for a predetermined amount of time at a predetermined fee. At the end of the plan, the consumer could have the option of returning the camera, exchanging the camera for a different camera, or keeping the camera at no cost or for a reduced price. The photographic products and/or services provided by the plan could be products and/or services such as film developing, printing, image products, scanning, photo CDs, image storage, etc. | 2012-01-12 |
20120011023 | COMPUTER SYSTEMS MANUFACTURING METHOD AND APPARATUS - The present invention provides for a method and apparatus for distributing digital information, such as software applications, to application users. By providing the digital information on unused memory space of a computer system, and providing a process for authorizing access to the information, the information can be efficiently and cost effectively transferred to users. Traditional inventory and distribution channel difficulties are avoided. | 2012-01-12 |
20120011024 | Method for conducting financial transactions - A method is providing of paying second parties where if f they do not have an established association with the payment service, have an established association with the payment service prior to payment. The first party has an association with the payment service. A tab is opened by the first party that can be selected by the qualified second party at any geographic location of a first party's mobile device. The qualified second party is only able to charge a first party's financial account when the first party's mobile device is within a defined geographic area. The tab is a relationship between the first party, the payment service and the qualified second party. The qualified second party can engage in a financial transaction with the first party when the first party is within the defined geographic area. In response to the second party, (i) attempting to charge the first party or (ii) charging the first party, a determination is made to see if a fraudulent attempt or fraudulent use of the first party's financial account is committed. | 2012-01-12 |
20120011025 | Multi-Merchant Payment System - A method of payment for mufti-vendor gift cards, that performs actions including maintaining a merchandise database comprising records for merchandise and services for a plurality of merchants, enabling a gift card giver to interactively purchase a gift card for a gift card recipient, entitling the gift card recipient to redeem the gift card for items up to a specified spending limit, electronically transferring the money used to purchase the gift card into a card funding account that is used to pay for purchases by the gift card recipient, enabling the gift card recipient to interactively select one or more items from the merchandise database, thereby generating an aggregated selection of items for each merchant, issuing orders to each merchant in accordance with the aggregated selected items corresponding to each merchant and paying each merchant the amount of their respective order from the card funding account. | 2012-01-12 |
20120011026 | METHOD AND APPARATUS FOR CUSTOM STRATEGY SPECIFICATION IN A HOSTED ELECTRONIC TRANSACTION SERVICE SYSTEM - A merchant generates a customized service strategy related to a suite of electronic transaction services hosted by a service provider. The custom strategy specifies services to perform, and possibly an order in which to perform the services, by a service provider in relation to an electronic transaction associated with the merchant. Through use of a user interface, the strategy can be represented as a graphical decision tree, with terminal nodes representing services or actions. A customized strategy is transmitted to a service provider, as is transaction related information, whereby the service provider can service the transaction according to the strategy and based on the transaction information. Scheduling information that specifies different strategies to apply to different transaction scenarios can be generated. A strategy is selected by a service provider based on the scheduling information and transaction information, and is used to service one or more electronic transactions. | 2012-01-12 |
20120011027 | DOWNLOADING SYSTEM, AND UNIT, METHOD AND PROGRAM FOR THE SAME - Each of two or more terminals includes calling relationship transmission means which transmits calling relationship information regarding an application (or content data) to a management unit and download means which downloads an application. The management unit includes calling relationship statistics storage means which stores calling relationship statistical information generated based on the calling relationship information received from the terminals. An application server includes attribute generating means which generates attribute data, including information representing applications having high probabilities of being called up during the execution of an application as related applications, for each application managed by the application server based on the calling relationship statistical information. The download means further downloads an application based on the attribute data generated by the attribute generating means. | 2012-01-12 |
20120011028 | SYSTEM AND METHOD FOR ENABLING USER REQUESTED CHANNELS IN AN IP MARKETPLACE - A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and evaluated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards. | 2012-01-12 |
20120011029 | SYSTEM AND METHOD FOR SEARCHING MARKETING CHANNELS IN AN IP MARKETPLACE - A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards. | 2012-01-12 |
20120011030 | SYSTEM AND METHOD FOR SEARCHING CHANNELS BASED ON CHANNEL RATING - A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards. | 2012-01-12 |
20120011031 | Online Marketplace for Trading of Data Collected from Use of Products and Services - An online marketplace permits the trading of data collected from a plurality of end users, where the data is obtained from the use of a product or service. In one embodiment, a method includes: hosting a marketplace for trading of data provided from the end users; collecting user data from each end user, wherein the data is obtained from use by each end user of a product or a service; storing the respective user data for each respective end user; offering the user data of each end user for a trade with a customer; if the customer accepts the trade, providing the respective user data of each end user to the customer; and providing compensation to each end user based on a share of the revenue received for the trade. | 2012-01-12 |
20120011032 | SYSTEM AND METHOD FOR ENABLING INDUSTRY BASED CHANNELS IN AN IP MARKETPLACE - A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards. | 2012-01-12 |
20120011033 | SYSTEM FOR MANAGEMENT, MONITORING AND CONTROL OF HOTEL AMENITIES AND A METHOD THEREOF - A system and a method for management, monitoring and control of hotel amenities for providing guests staying in discrete hotel rooms access to a plurality of hotel amenities through a single interface has been disclosed. The system 100 includes portable devices 102 which are provided to guests of a hotel and acts as a single point of access for controlling the use of all the amenities and a controller 112 which wirelessly interfaces with each of the portable devices 102 to facilitate the monitoring and control of the amenities. | 2012-01-12 |
20120011034 | SYSTEM AND METHOD FOR ENABLING HEALTHCARE INDUSTRY CHANNELS IN AN IP MARKETPLACE - A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards. | 2012-01-12 |
20120011035 | MANAGEMENT OF ACTIONS BASED ON PRIORITY LEVELS AND CALENDAR ENTRIES - A management application implemented in a computational device maintains priorities corresponding to a plurality of resources coupled to the computational device. Indications for actions to be performed corresponding to occurrences of events are stored to a calendar, wherein the calendar is configurable by a user. A selected indication for an action to be performed is stored to the calendar. In response to an occurrence of an event associated with a selected resource, a priority of the selected resource is determined. The action is performed, based on at least the determined priority of the selected resource and the selected indication for the action stored in the calendar, wherein different actions are performed in response to occurrences of a selected event at different times. | 2012-01-12 |
20120011036 | ADVANCED FUNCTION USAGE-BASED BILLING - An apparatus, system, and method for advanced function usage-based billing. One embodiment of the apparatus includes a detection module, a monitoring module, and a billing report module. The detection module detects use of one or more advanced functions on a storage controller. Each advanced function includes a license-based storage function separate from a standard function set. The monitoring module monitors the detected use of the one or more advanced functions on the storage controller. The communication module communicates billable use information to a billing entity. The billable use information is based on the monitored detected use | 2012-01-12 |
20120011037 | SYSTEM AND METHOD FOR CREATING A SOCIAL SERVICE DEDUCTION PLAN - A method and system of generating deduction plan document for issuing benefits to a recipient. The method and system may include receiving a request from a user to generate a deduction plan document; responsive to receiving the request, creating a new deduction plan document including a header and at least one data item, the header including a category data field, the at least one data item including item category and deduction amount data fields; populating the data field of the header by displaying a first graphic user interface (GUI) page through which the user enters a value to the category data field of the header; populating the data fields of the at least one data item by displaying a second GUI page through which the user enters values to the data fields of the at least one data item; responsive to the populating the deduction plan document, simulating the deduction plan document being executed in a subsequent net calculation process; and responsive to receiving a simulation result from the net calculation process, determining whether the simulation result is satisfactory; if not, displaying a third GUI page to the user for adjusting the deduction amount; and if so, displaying a third GUI page for the user to approve and activate the deduction plan document. | 2012-01-12 |
20120011038 | SYSTEM AND METHOD FOR GROSS PAYMENT ITEM DETERMINATION IN PROVIDING SOCIAL SERVICES - Disclosed are embodiments that provide a system, computer readable medium and a computer-implemented method for calculating gross payment items (GPIs) to provide monetary benefits to a recipient. The disclosed embodiment may use a computer processor of a back end of the computer system to generate an entitlement document for a benefit plan. The entitlement document may include a plurality of entitlement items, each including an entitlement amount for an entitlement period. The entitlement frequencies may be mapped to payment frequencies that each GPI has a corresponding entitlement item. Moreover, a due date for each GPI may be calculated and compared to a reference date to determine whether each GPI is due. Further, for each GPI, an existing overlapping GPI is checked and gross payment amounts are set by taking the existing overlapping GPI into account. | 2012-01-12 |
20120011039 | SYSTEM AND METHOD FOR SERVICES MANAGEMENT - Embodiments of a system, machine readable storage medium and a computer-implemented method for implementing a services management system for providing services to a recipient are disclosed. The system may include a computer application controller operating on a back end server accessible by a user application operating on a front end server. The back end server may generate a computer object in response to remote function calls performed by the user application operating on the front end server. Data in the remote function calls may contain data related to services approved for a particular recipient. The generated computer objects may be operated upon by processes executing on the back end server that calculate a gross entitlement amount of benefits for the recipient. The calculated amounts may be passed to a gross payment calculation object and a net calculation objects. | 2012-01-12 |
20120011040 | PRE-BANKRUPTCY PATTERN AND TRANSACTION DETECTION AND RECOVERY APPARATUS AND METHOD - A method for pre-detecting bankruptcy of a consumer with an outstanding credit card balance. The method disclosed compares a first set of consumer transaction data to a second set of consumer transaction data in accordance with a debt grading criteria to generate a first and second set of association data. Association rule algorithm executes and parses the first and second set of association data into one or more product or service associations. A transaction pattern is generated of the consumer based in part on relatedness of the one or more product or service associations in conjunction with pre-bankruptcy associative elements. Private documents from lien holders and public documents from pending and completed court cases are analyzed to generate case success indicators. Pre-bankruptcy associative elements are updated based on the generated bankruptcy case success indicators. A debt score is generated that indicates a level of collectability of the outstanding credit card balance. | 2012-01-12 |
20120011041 | POST BANKRUPTCY PATTERN AND TRANSACTION DETECTION AND RECOVERY APPARATUS AND METHOD - A method for post bankruptcy recovery of a consumer with an outstanding credit card balance is disclosed. The method includes the steps of scoring a portion of a related set of consumer transactions and received payments in accordance with an item set criteria to determine a level of collectability, weighting the portion of the related set of consumer transactions in accordance with age of data and in accordance with external consultant assessments and recommendations based on consumer financial status, and comparing at least one portion of a transaction description from the related set of consumer transactions to historical data from transaction descriptions to update and adjust the level of collectability. | 2012-01-12 |
20120011042 | System and Method for Displaying Risk Data in an Electronic Trading Environment - An example graphical interface and method for displaying risk related data are described. One example graphical interface includes a data structure comprising a plurality of data nodes and at least one risk data point associated with each node, and further comprises a display grid. The display grid includes one or more cells that are used for displaying selected data nodes and risk data points. Each cell may be associated with a single data node, and may include one or more identifiers corresponding to risk data points of the data node. In one example embodiment, the identifiers are aligned along a single axis, and risk related data corresponding to each identifier is aligned with respect to each corresponding identifier. | 2012-01-12 |
20120011043 | Machine, Program Product, and Computer-Implemented Method to Contstruct a Person-to-Person Loan - Embodiments of the present invention provide a marketer for person-to-person lending or a bank server to promote a plurality of individual lenders bidding on a plurality of person-to-person loan requests from a plurality of individual borrowers to thereby construct person-to-person loans with a bank as an intermediary. The marketer computer establishes a person-to-person lending profile for the lender, include preferences for the lender. A bank server establishes an account for the benefit of the lender and determines an account balance for the individual lender. The bank server creates the loan with the borrower responsive to loan terms determined by the marketer computer. The bank server assigns at least part of the loan to the lender to construct the person-to-person loan with the bank as intermediary and withdraws funds corresponding to the at least part of the loan assigned to the lender from the account. | 2012-01-12 |
20120011044 | METHOD AND SYSTEM FOR ISSUING PRIMARY SECURITIES IN A TRADING MARKET - Methods and corresponding systems and non-transitory computer readable media are provided that cause at least one interface screen to be displayed on at least one client device associated with a primary issuer. The interface screen or screen generally includes information regarding an offering of primary securities and at least one form element for the primary issuer to define terms of an offer to sell the primary securities. The primary issuer may therewith submit an offer to sell the primary securities and confirm that the primary issuer is legally authorized to issue the primary securities. Thereafter, the offer to sell the primary securities may be communicated to a trading market for execution. | 2012-01-12 |
20120011045 | METHOD AND SYSTEM FOR IDENTIFYING PARTIES WITH CONCENTRATED POSITIONS IN SECURITIES - Methods and corresponding systems and non-transitory computer readable media are provided that allow users of the system to identify potential sellers with a concentrated position in one or more securities, from a database that includes a plurality of potential parties, for a trade in one or more securities. Once identified the system may pair a potential buyer with the identified potential seller with the concentrated position and enable the potential buyer and seller to communicate offer and counteroffer messages between each other to negotiate a sale of securities held. | 2012-01-12 |
20120011046 | ORDER DELIVERY IN A SECURITIES MARKET - A method of processing delivery messages in a security processing architecture includes receiving an expression of interest to enter into a transaction to buy or sell a security, matching the expression of interest with other expressions of interest, sending a message to a market participant that a match exists, recording a delivery in a delivery log file, recording the delivery in a delivery work in process (WIP) file, and receiving a response message from the market participant. | 2012-01-12 |
20120011047 | NEWS INDUCED AUTOMATED ELECTRONIC SECURITIES TRANSACTIONS - News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the company. Securities are automatically trade upon determining that said news information contains a reference to the company and determining that said news information matches criteria associated with the company. | 2012-01-12 |
20120011048 | METHOD AND SYSTEM FOR CURRENCY EXCHANGE BY POINT OF CONVERSION - In one embodiment, one use of the disclosed method/system is for any multinational entity or individual performing currency exchanges is for business or personal use. This embodiment will greatly enhance the Transparency of the Cash Conversion Process at the ACTUAL POINT OF CONVERSION (POC), revealing dealt and offset pricings and TIME thereof thus providing the customer with a complete report of conversion as with any commodity conversion. With the POC method, the client will have a substantially complete accounting of the value of the funds conversion from one region's currency to another. | 2012-01-12 |
20120011049 | SYSTEMS AND METHODS FOR SECURITIZING A COMMODITY - A system and method for providing a tradable (e.g., exchange-listed) instrument by securitizing a commodity using a commodity trust or other special-purpose vehicle that is established to hold one or more physical commodities and to issue commodity trust shares and/or receipts corresponding to the value of the physical commodity held by the Trust. The commodity trust shares may represent a proportional interest in the Trust and/or the physical commodity held by the trust, e.g., precious metals such as gold, or base metals such as copper. The Trust may include one or more Trust accounts to receive and store the physical commodity deposited with the Trust. The shares or receipts of the trust can be listed, quoted, and traded on a trading system, e.g., an Electronics Communication Network (ECN), and may be traded as Exchange Traded Fund (ETF) shares on a securities exchange. | 2012-01-12 |
20120011050 | Biophysical Geoengineering Compositions and Methods - Described here are compositions, methods and apparatus for biological and physical geoengineering. Disclosed are inorganic particles, prill, pucks, or floats for dispersal on a body of water. These compositions are found to A) increase yields for pelagic aquaculture, B) increase carbon sequestration, and C) provide immediate relief from global warming by directly increasing surface albedo, reducing sea surface temperatures, and indirectly by increasing cloud nucleation activity. A vertical spar buoy or spar buoy network is provided. The buoys or array of buoys are designed to resist wave motion while supporting an analytical platform below the 100-Year Horizon. Sedimentary deadfall through the 100-Year Horizon is measured and flux of fixed carbon is reported and validated. Issuance of validated carbon sequestration certificates and monetization and trading of those certificates are also described. | 2012-01-12 |
20120011051 | Methods And Systems For Directing And Executing Certified Trading Interests - One or more aspects comprise: (a) receiving confidential information that comprises data regarding first and second market participants; (b) receiving order and targeting parameters from said first participant; (c) receiving confidential trading interest information from said second participant; (d) identifying said second participant as a participant likely to take a contra side of said order; (e) routing said order to said second participant without revealing said first participant's identity or other confidential information regarding said first market participant, and wherein no information regarding said second participant or said confidential trading interest information received from said second participant is transferred to said first participant; and (f) producing a targeted dissemination list of market participants based on said confidential information and said order and targeting parameters, and wherein identifying a second participant that is most likely to take a contra side of said order is based on said dissemination list. | 2012-01-12 |
20120011052 | SYSTEM AND METHOD FOR PREVENTING CROSS TRADING - Information regarding the current state in the market is used to prevent orders from crossing. In an example provided herein, when an order is entered into a market, information regarding current positions in the market is taken into account to determine whether the order will cross with other orders. If the orders would cross, appropriate action is taken to prevent the crossing of orders in a way suitable for the person or persons trading. The teachings described herein may be used for any reason to prevent orders from crossing. Moreover, they may be used in other areas of trading to assist the trader in obeying any other rule or regulation that might involve analyzing current positions in the market before taking action. | 2012-01-12 |
20120011053 | System and Method for Providing a Linear Spread - A system and method for providing a linear spread in an electronic trading environment are described. According to one example embodiment, a trading system can receive market information associated to a trading strategy, known as a spread. The trader may also define a market volatility parameter to utilize in the calculation of a linear spread price axis. The received market information and a divide spread algorithm are also used to determine the linear spread price axis. The trading application determines a linear spread price axis, at which price levels are separated by consistent linear tick increments. The linear spread price axis allows for more efficient and effective trading in the electronic trading environment especially when certain tradeable objects are traded or when certain spread algorithms, like the divide spread algorithm, are utilized. | 2012-01-12 |
20120011054 | CENTRAL COUNTERPARTY FOR DATA MANAGEMENT - A central counterparty for data management (CCDM) receives data relating to financial transactions, associates the data with metadata to create reference data, stores the reference data and provides the reference data in “push” and “pull” ways. The “push” techniques for providing the data include distributing on a data feed, sending the data to parties known to be relevant to the transaction, and sending the data to parties who have a standing query that is satisfied by the data. The “pull” techniques for providing the data include responding to queries received from a variety of parties. The CCDM generates and distributes unique, unambiguous and universal identifiers (U3id's) and associates the U3id identifiers with the reference data. | 2012-01-12 |
20120011055 | IOI-BASED BLOCK TRADING SYSTEMS, METHODS, INTERFACES AND SOFTWARE - In the financial-services industry, there are online centers that help brokers to match sellers and buyers of stock based on indications of interest (IOIs). However, at least some of these centers are not only limited in the types of IOIs that they provide, but also in the ways how they allow IOI senders to control IOI usage. Accordingly, the present inventors devised, among other things, exemplary systems, methods, interfaces, and software that enhance the ability of such online centers, or financial-information systems, to facilitate trades. One exemplary system provides an IOI which is associated with an online negotiation capability. Some embodiments provide mechanisms for users, such as broker-dealers, to define different IOI response privileges for recipients of their IOIs. To reduce the market risks of failed negotiations, some embodiments provide automated features for comparing confidential information from traders and initiating online negotiations for stock transactions contingent on favorable comparisons. | 2012-01-12 |
20120011056 | SYSTEM AND METHOD FOR PROCESSING COMMERICAL LOAN INFORMATION - A system and method for processing commercial loan information. A central data processor receives commercial loan information from data providers across a data link. The data link may be initiated by either the central data processor or the data provider. The data is processed for key data fields and stored in a data repository. To evaluate a commercial loan applicant, reporting criteria are determined, data in the data repository as well as real-time data is evaluated for reporting criteria, and data satisfying the reporting criteria is retrieved and reported. Reported data includes commercial loan information on the applicant, affiliated entities and affiliated individuals. | 2012-01-12 |
20120011057 | PUBLICATION SYSTEM INITIATED VALUE TRANSFER - A method and a system for publication system initiated value transfer are provided. Example embodiments may include a payment system receiving a request from a publication system to initiate transfer of a unit of value on behalf of a user. The publication system may operate as a publishing service for multiple providers of items. In response to the request, an example embodiment may include identifying a previously established agreement between the user and the payment system. The previously established agreement may authorize the publication system to initiate the transfer of the unit of value on behalf of the user by forwarding a transfer request to the payment system. An example embodiment includes facilitating transfer of the unit of value from an account associated with the user to a further account if the payment system determines further compliance with agreement terms. | 2012-01-12 |
20120011058 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-12 |
20120011059 | Systems and Methods to Receive Funds via Mobile Devices - In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a source phone number and a destination phone number, use a first converter to communicate with a mobile phone at the source phone number to obtain a confirmation of the request, obtain an amount of funds from a funding source associated with the source phone number, and use a second converter to transmit a message to a mobile phone at the destination phone number to indicate the availability of the amount of funds. | 2012-01-12 |
20120011060 | Interchange Categories - This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category. | 2012-01-12 |
20120011061 | SYSTEM AND METHOD FOR CALCULATING NET PAYMENT IN SOCIAL SERVICES - A method and system of generating net calculation documents for issuing benefits to a recipient. The method and system may include receiving gross payment documents (GPDs) each including a plurality of gross payment items (GPIs) each including a benefit amount the recipient is entitled to and deduction plan documents (DPDs) each including a plurality of deduction plan items (DPIs) each including a deduction amount from a corresponding GPI. Responsive to receiving one of an update to at least one of the GPIs and at least one new GPIs, the method and system may further include grouping all GPIs into groups based on pre-determined criteria, determining a time period that extends over all GPIs that are affected by the updated/new GPIs and need recalculation, determining net calculation units (NCUs) each unit having an identical payment frequency, dividing the NCUs into homogeneous time slices based on benefit payment dates, and for each time slice, generating a NCD including a header, a plurality of GPIs and DPIs for the time slice. | 2012-01-12 |
20120011062 | Apparatus and Method for Dynamic Offline Balance Management for Preauthorized Smart Cards - A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions. | 2012-01-12 |
20120011063 | VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING - Methods and apparatus for operating a virtual wallet system are described. In an embodiment, the process includes receiving, at a virtual wallet server, a virtual wallet account number and payment transaction details that includes a payment amount, and then mapping the virtual wallet account number to at least one funding account associated with a consumer. The method also includes validating the consumer and the payment transaction details, generating a standard purchase authorization request message and routing it to an issuer of the at least one funding account, and receiving an authorization response approving the payment transaction. The process further includes loading the consumer's virtual wallet account in real time to match the payment amount, and routing an authorization approval message to an originating acquirer. Such a virtual wallet system with automatic-loading capabilities substantially improves the operation of decoupled debit payment account schemes. In addition, the use of a virtual wallet account assigned to a consumer by virtue of a virtual wallet account number (which can be described as a pseudo-primary account number (pseudo-PAN)) allows the consumer to fund payments for multiple PSP accounts from a single funding account while simultaneously protecting personal data and protecting against identity theft. | 2012-01-12 |
20120011064 | PREPAID TRANSACTION CARD ACTIVATION SYSTEM AND METHOD - Reloadable or non-reloadable prepaid transaction card activation systems are disclosed. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards and capture of customer demographic information, and verification of that information, after the customer has obtained or has been issued a prepaid transaction card. The data capture is performed at activation rather than at point of sale. | 2012-01-12 |
20120011065 | PAYMENT SYSTEM - Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction. | 2012-01-12 |
20120011066 | METHODS AND SYSTEMS FOR AUTHENTICATING AN IDENTITY OF A PAYER IN A FINANCIAL TRANSACTION - A system and computer-based method for using a one-time password (OTP) to authenticate an identity of a cardholder in a financial transaction initiated by the cardholder with a merchant via a first communication medium. A one-time password is generated at an interchange computer system and transmitted to the cardholder via a second communication medium. The cardholder is prompted to enter access credential information, including the one-time password. When the entered access credential information is verified (e.g., the entered one time password is equal to the generated one-time password), a successful authentication is indicated to the merchant. | 2012-01-12 |
20120011067 | GATEWAY ABSTRACTION LAYER - Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers. | 2012-01-12 |
20120011068 | SYSTEM AND METHOD OF ELECTRONIC AND PHYSICAL MAIL CATEGORIZATION AND TARGETED DELIVERY - Embodiments include systems and methods of a service that allows hard copy and electronic media customers to proactively specify, across a broad range of categories, the hard copy mail and/or electronic media mail that they would or would not like to receive. Embodiments include methods and systems configured to allow customers of delivery services to customize the flow of physical items such as hard copy or other letters or parcels, for delivery or electronic media mail from mailers based on highly specific customer-designated criteria. The delivery service acts as a trusted third party to serve as the intermediary between the recipient of the items and mailers to provide privacy and manage a repository for a customer-selected criteria database. In addition, one embodiment provides verification and/or identification that mail being sent meets the customer's designated criteria. | 2012-01-12 |
20120011069 | LICENSE MANAGEMENT METHOD AND CONTENT PROCESSING SYSTEM - A content distribution system includes a content distribution server and a portable game terminal. The content distribution server 4-0-retains a first license for comprehensively permitting the use of multiple digital contents and issues to the portable game terminal a second license for individually permitting the use of a digital content selected by a user from among the multiple digital contents. The portable game terminal retains the second license and permits the use of the selected digital content if it is within the license period of the second license at the time. | 2012-01-12 |
20120011070 | Apparatus and Method for Combining Cryptograms for Card Payments - At least a first cryptogram and a second cryptogram are transmitted from a payment device reader component to a terminal component. A message including at least the first cryptogram and the second cryptogram is transmitted from the terminal component to an issuer of a payment device presented to the reader component, through a payment network. A message is obtained from the issuer, corresponding to authentication, by the issuer, of the payment device (and optionally the owner of the payment device) presented to the reader component, based at least on the first cryptogram and the second cryptogram. The payment network is configured in accordance with at least one of (i) a standard, and (ii) a specification, which normally employs only a single cryptogram for the message and the authentication. Apparatuses and computer program products are also disclosed. | 2012-01-12 |
20120011071 | Remote invoice and negotiable instrument processing - A method of creating an electronic invoice is provided. A mobile application is downloaded to an operating system of a wireless electronic communication device. The mobile application is capable of processing a point of sale type operation. The operating system captures information required for invoice/receipt and payment. The invoice/receipt information is created and outputted for import into an accounting system. The payment information is created and outputted for import into a payment processing system. The invoice/receipt information is created and outputted for the customer. Upon receipt of a payment, the payment is processed. | 2012-01-12 |
20120011072 | Method, System, And Computer Program Product For Facilitating Post-Sale Transactions Using Mobile Devices - The present invention provides a technique for securely identifying devices that can interact by wired or wireless communication protocols. An transaction object is generated which contains details of an interaction between a pair of devices. The transaction object can subsequently be transferred to other devices to provide details of the interaction, thereby enabling the identity of the sending device to be determined by the receiving device, as well as other relevant information. | 2012-01-12 |
20120011073 | Knowledge Extraction Methodology for Unstructured Data Using Ontology-Based Text Mining - A method is provided for extracting data from service repair verbatims in a vehicle service reporting system. Each service repair verbatim includes a technician's comments concerning a part, a symptom associated with the part, and a repair action associated with the symptom. Each service repair verbatim includes information relating to an identified problem with at least one vehicle part. A diagnostic and prognostic ontology database is provided that is structured by vehicle part classification, a vehicle part sub-class classification, and a relationship classification, wherein the relationship classification includes symptom relationships and action relationships. Each of the service repair verbatims are reconstructed utilizing the diagnostic and prognostic ontology database. Combinations of information are extracted from the reconstructed service repair verbatims as a function of user input criteria. A frequency is determined of each combination extracted in the reconstructed service repair verbatims. The service repair verbatims are clustered for each combination. | 2012-01-12 |
20120011074 | COMPUTER-BASED METHOD AND SYSTEM FOR APPRAISING INTELLECTUAL PROPERTY - The invention provides a computer-based method for appraising intellectual property representations, including storing representations of intellectual property on a computer-readable medium of a service computer system, transmitting a request for valuation signal from the service computer system to at least one appraiser computer system, receiving a request for access signal from the appraisal computer system, transmitting at least one access signal from the service computer system to the appraisal computer system in response to the request for access signal, the access signal including the representations of the intellectual property, receiving an appraisal signal from the appraisal computer system at the service computer system, the appraisal signal including the intellectual property valuation based on the representations of intellectual property and recording the intellectual property valuation on the computer-readable medium of the service computer system. | 2012-01-12 |
20120011075 | METHOD AND APPARATUS FOR TESTING AUTOMATED VALUATION MODELS - A method and apparatus for real time testing of automated valuation using various indicators of accuracy. These indicators are then weighted according to their value as indicators of accuracy using individualized weighting factors or an equation. A ranking is then computed based upon the factors and their weights. This method is preformed continuously, so as to achieve real-time or periodically updated automated valuation model accuracy rankings. | 2012-01-12 |
20120011076 | SMARTPHONE-IMPLEMENTED METHOD OF OBTAINING A FISHING OR HUNTING LICENSE - The present invention is related to a smartphone-implemented method of obtaining fishing or hunting license, comprising the steps of:
| 2012-01-12 |
20120011077 | Cloud Computing Governance, Cyber Security, Risk, and Compliance Business Rules System and Method - Cloud Computing Governance, Cyber Security, Risk, and Compliance Business Rules System and Method that enable real-time, on-demand, transparent and complete perspective across the risks, threats and opportunities through an enterprise across many operational domains. Cloud platform ensures 24×7 “On Demand” risk-based private and public strategic alignment with regulatory and compliance priorities towards organizational governance objectives. A user can put in place tasks and controls for risks, and use the platform's cloud collaboration and workflow engine to track continuous remediation and governance improvements. Relate enterprise security, risks to multiple business rules which can be controls driven or efficiency driven ensuring on-going management of efficiency and risk monitoring. Design, maintain and modify an industry specific repository of business rules and process objectives, and easily manage the assessment and monitoring of specific business process control effectiveness at design, operational level. | 2012-01-12 |
20120011078 | Developing Business Process Models That Are Aligned With Business Components And Business Intent - Methods, apparatus, and products for developing business process models that are aligned with business components and business intent, including: defining a plurality of business components, wherein each business component is a logical element of a business enterprise that carries out a particular business function; associating one or more activities with a particular business component, wherein each activity is identified by a unique identifier, and wherein each activity is an atomic operation carried out by the particular business component that the activity is associated with; and defining, in dependence upon the associated one or more activities, a business capability that is carried out by one or more business components. | 2012-01-12 |
20120011079 | DERIVING ENTITY-CENTRIC SOLUTION MODELS FROM INDUSTRY REFERENCE PROCESS AND DATA MODELS - A mechanism is provided for forming a business entity model. A selection of business components is received from a business function model to be selected business components. Activities are found in an industry reference model to be selected activities corresponding to selected business components. Based on the selected activities, industry reference model is scoped to be a scoped industry reference model, which includes reducing business process models in the industry reference model to selected business process models corresponding to selected activities, reducing data models in the industry reference model to selected data models corresponding to use cases of selected activities, and reducing service operations in the industry reference model to selected service operations corresponding to the selected activities. Selected activities and scoped industry reference model are customized. Based on a business entity template, selected activities, and scoped industry reference model, business entities are generated to form a business entity model. | 2012-01-12 |
20120011080 | Core/satellite financial portfolio design methodology, system and computer readable medium - Investment choices are each within a respective asset class of a defined set of asset classes. Investment choices of a first set of the investment choices (e.g., core investment choices) are within a particular asset class and have a performance factor value that is constrained by a performance factor value range defined by a filter structure. Investment choices of a second set of the investment choices (e.g., satellite investment choices) are within the particular asset class and have a performance factor value that may or may not be constrained by the performance factor value range of the first set, but may have a separate and distinct filter structure. The filter structure specifies unique characteristics desired of a set of investment choices, including a relationship between a benchmark performance factor value and a parameter used for determining the performance factor value range. The performance factor value of each investment choice and the performance factor value of the benchmark investment choice correspond to a common performance factor. A comparative assessment of each investment choice set is performed using a comparative assessment value for each one of the investment choices within each set of investment choices. | 2012-01-12 |
20120011081 | SYSTEM AND METHOD FOR COMPUTER IMPLEMENTED COLLATERAL MANAGEMENT - A computer-implemented method for managing collateral risk associated with financial instrument trading and a data processing system includes a processor and memory/database configured to store user-definable rulesets relating to a desired trade. A search module identifies and stores accounts that could accept potentially eligible security positions based upon user-selectable search criteria, and identifies potentially eligible security positions for consideration as collateral for the trade. A user configurable collateral analysis module determines eligibility of security positions as collateral for the trade by applying one or more user-definable rulesets in an algorithm that operates in a processor to determine collateral position eligibility of security positions for the trade by testing eligibility along one or more logical paths defined by user-definable rulesets. The processor outputs either a collateral eligibility or ineligibility indication via a user interface for various security positions based upon the collateral position eligibility analysis, including all reasons for ineligibility. | 2012-01-12 |
20120011082 | GOVERNANCE OF MODELING SYSTEMS - A governing modeling system maintains information associated with an analytic model. One or more policies may be defined that are associated with the analytic model and one or more instances of the analytic model. The system may monitor the analytic model and the one or more instances of the analytic model based on at least some of the information, the one or more policies associated with the analytic model and the one or more policies associated with the one or more instances of the analytic model. | 2012-01-12 |
20120011083 | Product-Centric Automatic Software Identification in z/OS Systems - A software identification manager selects a unique software module that corresponds to a single knowledge base software product. Next, the software identification manager determines that one or more software modules included in a raw inventory corresponds to the unique software module and, in turn, the software identification manager includes the single knowledge base software product into a refined group of knowledge base software products. The software identification manager then matches one of the knowledge base software products included in the refined group of knowledge base software products to one of the related raw inventory software modules. Once the software identification manager identifies a match, the software identification manager stores a module identification entry in a storage area and associates the matched raw inventory software module to the matched knowledge base software product. | 2012-01-12 |
20120011084 | SEMANTIC ENTITY MANIPULATION USING INPUT-OUTPUT EXAMPLES - Semantic entity manipulation technique embodiments are presented that generate a probabilistic program capable of manipulating character strings representing semantic entities based on input-output examples. The program can then be used to produce a desired output consistent with the input-output examples from inputs of a type included in the examples. The probabilistic program is generated based on the output of parsing, transform and formatting modules. The parsing module employs a probabilistic approach to parsing the input-output examples. The transform module identifies a weighted set of transforms that are capable of producing the output item from the input items of an input-output example to a likelihood specified by their assigned weight. The formatting module generates formatting instructions that transform selected output parts into a form specified by the output items in the input-output examples. | 2012-01-12 |
20120011085 | Systems And Methods For Identifying And Notifying Users of Electronic Content Based on Biometric Recognition - Systems and methods are disclosed for manipulating electronic multimedia content to a user. One method includes generating a plurality of biometric models, each biometric model corresponding to one of a plurality of people; receiving electronic media content over a network; extracting image or audio data from the electronic media content; detecting biometric information in the image or audio data; and calculating a probability of the electronic media content involving one of the plurality of people, based on the biometric information and the plurality of biometric models. | 2012-01-12 |
20120011086 | SYSTEMS AND METHODS FOR SEQUENCE DATA ALIGNMENT QUALITY ASSESSMENT - A computer-implemented method for classifying alignments of paired nucleic acid sequence reads is disclosed. A plurality of paired nucleic acid sequence reads is received, wherein each read is comprised of a first tag and a second tag separated by an insert region. Potential alignments for the first and second tags of each read to a reference sequence is determined, wherein the potential alignments satisfies a minimum threshold mismatch constraint. Potential paired alignments of the first and second tags of each read are identified, wherein a distance between the first and second tags of each potential paired alignment is within an estimated insert size range. An alignment score is calculated for each potential paired alignment based on a distance between the first and second tags and a total number of mismatches for each tag. | 2012-01-12 |
20120011087 | METHODS AND SYSTEMS FOR REPLACEABLE SYNAPTIC WEIGHT STORAGE IN NEURO-PROCESSORS - Certain embodiments of the present disclosure support techniques for storing synaptic weights separately from a neuro-processor chip into a replaceable storage. The replaceable synaptic memory gives a unique functionality to the neuro-processor and improves its flexibility for supporting a large variety of applications. In addition, the replaceable synaptic storage can provide more choices for the type of memory used, and might decrease the area and implementation cost of the overall neuro-processor chip. | 2012-01-12 |
20120011088 | COMMUNICATION AND SYNAPSE TRAINING METHOD AND HARDWARE FOR BIOLOGICALLY INSPIRED NETWORKS - Certain embodiments of the present disclosure support techniques for training of synapses in biologically inspired networks. Only one device based on a memristor can be used as a synaptic connection between a pair of neurons. The training of synaptic weights can be achieved with a low current consumption. A proposed synapse training circuit may be shared by a plurality of incoming/outgoing connections, while only one digitally implemented pulse-width modulation (PWM) generator can be utilized per neuron circuit for generating synapse-training pulses. Only up to three phases of a slow clock can be used for both the neuron-to-neuron communications and synapse training. Some special control signals can be also generated for setting up synapse training events. By means of these signals, the synapse training circuit can be in a high-impedance state outside the training events, thus the synaptic resistance (i.e., the synaptic weight) is not affected outside the training process. | 2012-01-12 |
20120011089 | METHODS AND SYSTEMS FOR NEURAL PROCESSOR TRAINING BY ENCOURAGEMENT OF CORRECT OUTPUT - Certain embodiments of the present disclosure support implementation of a neural processor with synaptic weights, wherein training of the synapse weights is based on encouraging a specific output neuron to generate a spike. The implemented neural processor can be applied for classification of images and other patterns. | 2012-01-12 |
20120011090 | METHODS AND SYSTEMS FOR THREE-MEMRISTOR SYNAPSE WITH STDP AND DOPAMINE SIGNALING - The present disclosure proposes implementation of a three-memristor synapse where an adjustment of synaptic strength is based on Spike-Timing-Dependent Plasticity (STDP) with dopamine signaling. | 2012-01-12 |
20120011091 | METHODS AND SYSTEMS FOR CMOS IMPLEMENTATION OF NEURON SYNAPSE - Certain embodiments of the present disclosure support techniques for power efficient implementation of neuron synapses with positive and/or negative synaptic weights. | 2012-01-12 |
20120011092 | METHODS AND SYSTEMS FOR MEMRISTOR-BASED NEURON CIRCUITS - Certain embodiments of the present disclosure support techniques for designing neuron circuits based on memristors. Bulky capacitors as electrical current integrators can be eliminated and nanometer scale memristors can be utilized instead. Using the nanometer feature-sized memristors, the neuron hardware area can be substantially reduced. | 2012-01-12 |
20120011093 | METHODS AND SYSTEMS FOR DIGITAL NEURAL PROCESSING WITH DISCRETE-LEVEL SYNAPES AND PROBABILISTIC STDP - Certain embodiments of the present disclosure support implementation of a digital neural processor with discrete-level synapses and probabilistic synapse weight training. | 2012-01-12 |
20120011094 | PATTERN MATCHING APPRATUS - According to an automaton circuit, a pattern matching apparatus, and a pattern matching method of the present invention, by converting regular expressions into configuration data with the certain format, the regular expression, which can be expressed by using only 3 kinds of metacharacters and can be expressed within a certain length, can be input. Since connection relations inside the automaton circuit are changed depending on the configuration data, the automaton circuit according to the present invention is reconfigurable. | 2012-01-12 |
20120011095 | RULE BASED, PROACTIVE WEB BROWSING - Method and apparatus for rule-based, proactive web browsing are provided. A set of rules is determined and stored in computer data storage, where each rule in the set of rules is a proactive browsing rule that indicates a web page. The occurrence of an event represented by event information is detected. In response to detecting the occurrence of the event, the set of rules is evaluated based on the event information to determine whether any rules are satisfied. While a web browser is in use, a determination is made that a particular rule is satisfied. In response to determining that the particular rule is satisfied, the web browser is automatically redirected to directly access a particular web page that is indicated in the particular rule. | 2012-01-12 |
20120011096 | EFFICIENTLY UPDATING ROWS IN A DATA WAREHOUSE - An aspect of the present invention facilitates efficient updating of rows in a data warehouse. In one embodiment, a sequence of identifiers is allocated to rows of data elements received earlier, and then inserted along with the received data elements in a table according to the defined by the sequence of identifiers. On receiving data elements as updates to the rows having associated identifiers, the received data elements are sorted according to the order of the associated identifiers and updates of the rows are performed successively in the sorted order of identifiers. According to another aspect, the above features are performed when (target) fact/dimension tables in the data warehouse are sought to be updated based on transformations/computations performed on data in other (source) fact/dimension tables. | 2012-01-12 |
20120011097 | METHOD, COMPUTER PROGRAM, AND SYSTEM-MODEL CONVERTER FOR CONVERTING SYSTEM MODEL - [Object] To provide a system model conversion method, a computer program, and a system model converter which facilitate analysis and editing of the system model by using information indicating a hierarchical relationship. | 2012-01-12 |
20120011098 | METHOD AND SYSTEM FOR MANAGING REPLICATION OF DATA - Data replication management which enables rapid retrieval while increasing the performance of the entire system, and maintaining data synchronization regarding successively updated data is performed. There are steps which comprises a step that when a slave node which has received an instruction for retrieval does not receive a return massage from a master node within a predetermined time period (Ts | 2012-01-12 |
20120011099 | FILE BACKUP APPARATUS AND METHOD - A file backup apparatus and method estimates whether a file has been changed in a directory based on directory property information, and backs up the directory which includes a changed file according to the estimation result. | 2012-01-12 |