03rd week of 2015 patent applcation highlights part 64 |
Patent application number | Title | Published |
20150019355 | SYSTEMS AND METHODS FOR PROVIDING MANUFACTURER-BASED FINANCIAL SERVICE ACCOUNTS - The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase. | 2015-01-15 |
20150019356 | SYSTEM AND METHOD FOR OVERLAYING BUSINESS DATA ON TOP OF TOUCH SCREEN TERMINALS USED IN POINT OF SALE SYSTEMS - A system is provided which includes a point of sale (POS) terminal ( | 2015-01-15 |
20150019357 | SYSTEM AND METHOD FOR RESERVATION INVENTORY MANAGEMENT - A system and method for automatically managing the allocation of reservation inventory for an individual POS terminal in a distributed reservation system having multiple POS terminals. Inventory allocation for an event for the individual POS terminal is calculated as a function of total reservation capacity for the event, the allocation and use of reservation inventory at the individual POS terminal, and/or the allocation and use of reservation inventory at other POS terminals in the reservation system. All POS terminals in the reservation system periodically share a token with one another to get updated inventory status for use in calculating inventory allocations. | 2015-01-15 |
20150019358 | ADJUSTMENT OF A SECURITY LEVEL OF A SELF-CHECKOUT SYSTEM BASED ON SHOPPER ASSISTANT INTERVENTION - Methods and systems for adjusting a security level of a self-checkout system based on shopper assistant intervention are disclosed. According to an aspect, a method includes deducing that shopper assistant intervention occurs in a self-checkout environment based on detection of one or more events in a self-checkout system. The events may occur at shopper terminals of the self-checkout system and may require attention of a shopper assistant monitoring the shopper terminals. The method also includes adjusting a security level of the self-checkout system in response to deducing that shopper assistant intervention occurs. Further, the method may include implementing a predetermined action in response to adjusting the security level of the self-checkout system. | 2015-01-15 |
20150019359 | SYSTEM AND METHOD FOR DISCOVERY MOMENT MONETIZATION OF MEDIA - Systems and methods for signing a media with a portion of data to define parameters for use of the media. A signed media can be created to include a portion of data that defines one or more parameters, wherein the one or more parameters can define an allowed access for the media, a payment amount for access to the media, a payment distribution for the payment amount between one or more entities, among others. The signed media can track the manner in which media is distributed in an online environment and affords incentive to outlets or sources to regulate authenticity of such media. | 2015-01-15 |
20150019360 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR ENABLING GIFTING AMONG USERS IN AN ONLINE ENVIRONMENT - A system, method, and computer program product for an online transferring system where a conveying user may transfer a virtual object, representative of a real object, to a receiving user using an electronic ID of the receiving user and have a real object delivered to a shipping address of the receiving user without knowledge of the shipping address by the conveying user. The system includes an electronic data store having a set of identifying information for a receiving user. The set of identifying information includes an electronic ID and a physical contact address. The system includes a communication system for communication between the conveying user and the receiving user. The communication system provides the electronic ID to the conveying user without providing the physical contact address to the conveying user. The system includes a virtual object, representative of a real-world object, associated with the conveying user. The system includes a physical shipping system, coupled to the communication system, for initiating a delivery of the real-world object to the physical contact address responsive to the conveying user communicating the virtual object to the electronic ID. | 2015-01-15 |
20150019361 | METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A VIRTUAL AGGREGATION GROUP - Some examples provide systems, methods, apparatus, and computer program products for providing virtual aggregation groups using a market platform. An example method may include establishing, using a market platform, a virtual aggregation group comprising at least two members. The method may also include generating a committed pricing agreement between the virtual aggregation group and at least one supplier. The committed pricing agreement may include compliance terms that determine at least one price parameter for a product purchase by the at least two members of the virtual aggregation group from the supplier based on a market commitment of the virtual aggregation group. The method may further include monitoring spending of the members of the virtual aggregation group, determining, using the monitored spending, whether the virtual aggregation group has met the market commitment, and notifying the supplier or the members of the virtual aggregation group of whether the virtual aggregation group has met the market commitment. | 2015-01-15 |
20150019362 | SYSTEM AND METHOD FOR CREATING FRACTIONAL OWNERSHIP OF PHYSICAL GOODS - The present invention generally relates to dividing ownership of indivisible assets. More specifically, the present invention discloses a system and method for dividing, recording, transferring, and verifying ownership of art, collections of art, artifacts, land marks and architecture, sports franchises, rare or collectible items, and other trophy assets which are otherwise physically indivisible. These assets are often too expensive to be owned by most individuals. Particularly with respect to museums and artwork, the system allows organizations to generate revenue from selling fractions of artwork to a plurality of owners while keeping physical possession and stewardship over the artwork. | 2015-01-15 |
20150019363 | METHOD AND SYSTEM FOR CONDUCTING A LIVE INTERACTIVE AUCTION OVER THE INTERNET - A method and system for selling goods over the internet including a live, real-time interactive online auction with communication between the auctioneer and registered prospective bidders. | 2015-01-15 |
20150019364 | System And Method For The Efficient Clearing Of Spectrum Encumbrances - The present invention is a system and method to sell or procure complementary goods. complementary good according to the invention is a good whose value or utility is enhanced when paired with another good, such a pair of goods is a communication license to encumbered spectrum and a complementary clearing right to clear the spectrum of its encumbrance. The invention provides automated procedures to facilitate the fashioning and sale of clearing rights so as to enhance the value of the communications license. | 2015-01-15 |
20150019365 | Bidding engine for intention-based e-commerce among buyers and competing sellers - A platform through which companies that offer products bid to obtain an opportunity to provide a product to an end user expressing an intent in purchasing it. The user specifies a first data set defining a product he or she desires to buy, a designated time at or by which it is to be provided, and a value that the user is willing to pay. The platform receives a second data set from each of one or more vendors. Each such data set includes a range of prices that the respective vendor is willing to accept for its sale of the product, and a bid strategy. A bid process is then executed to generate a result that identifies at least one vendor, and a price within the range of prices originally offered by that vendor. The result is provided to the user, and a transaction may then be consummated. | 2015-01-15 |
20150019366 | SYSTEMS AND METHODS FOR FACILITATING REAL ESTATE TRANSACTIONS WITH PURCHASE OFFER PROCESSING FEATURE - A system and method for facilitating real estate transactions that is configured for receiving property information from a listing service or data feed, presenting a property information display on data communication devices for each property; generating a unique transaction actuator in each property information display, and responsive to selecting a unique transaction actuator, generating an offer form with an offer transmittal actuator, wherein the offer form includes a plurality of data fields relating to an offer to purchase property that are populated with the property information for the specific property associated with the selected unique transaction actuator. | 2015-01-15 |
20150019367 | Generating a Product with an Invoice Simulation Product Builder - A method includes accessing information indicative of an invoice simulation product builder for generating a product, with the invoice simulation product builder comprising a plurality of graphical user interfaces, with at least one of the graphical user interfaces, when rendered on a display device, comprising: a visual representation of a product invoice template for the product being generated with the invoice simulation product builder, with the invoice simulation product builder promoting generation of the product by adding one or more features to the product invoice template; transmitting the information indicative of the invoice simulation product builder; receiving information indicative of a selection in the product invoice template of features of the product; causing the product invoice template to be updated to display a simulation of an invoice that includes the selected features for the product; and adding the selected features to the product. | 2015-01-15 |
20150019368 | System and Method For Floral Arrangement Customization - A floral arrangement customization system allows a user to modify characteristics of each stem or groups of stems within a template to create a customized floral arrangement. The user can also modify characteristics about the arrangement such as its style, shape, or color scheme. Information about the customized floral arrangement is transmitted to an order fulfiller who can assemble the floral arrangement exactly according to the customized design. | 2015-01-15 |
20150019369 | Disposable Wallet Device, and Processes and Methods for Design, Assembly and Distribution Thereof - The invention discloses a novel device that functions as a disposable wallet, together with uses thereof and related processes and methods for design, assembly and distribution thereof. The disposable wallet invention is composed of a single, flexible substrate upon which a design template is imposed that instructs the design to either a user or manufacturing element which assembles the disposable wallet. Various utilities of the disposable wallet are articulated through the design template through the use of cuts and folds of the substrate upon which the design template is affixed. Additional utilities such as inclusion of paging may be further affixed to the substrate in accordance with the design template. The design template may be computer generated by a remote user or an assembler to provide design variations coupled with variations of the flexible substrate. Completion of the assembly may involve mechanical fastening or adhesive elements. | 2015-01-15 |
20150019370 | Customized Storybooks Related Methods and Interface - A system and methods related customized storybooks and related methods are disclosed. A method can include presenting a list of stories to a plurality of artists, providing the plurality of artists with at least one common design parameter, providing each artist with instructions to submit a version of his/her story, and executing a license agreement with each artist submitting a story version. The method can further include providing a mechanism for each artist submitting a story version to submit and receive feedback. Another method can include allowing a customer to select more than one story from a catalog, allowing the customer to select the order of the more than one story within a single storybook, and allowing the customer to select at least one language for each story selected. The methods may further include allowing the customer to provide variable text information for at least one story selected and/or allowing the customer to customize a cover page or a dedication page of the storybook. | 2015-01-15 |
20150019371 | SYSTEMS AND METHODS FOR SELECTING PARTS CONFIGURATIONS - Techniques for suggesting suitable brake-pad and other automotive-part configurations, based on information including vehicle and/or driver characteristics. In some embodiments, the information can be received by a processor or computing device, such as an in-store kiosk, smartphone, or personal computer. The information can be obtained by prompting a consumer or electronically recovering information from a database or the vehicle itself. Responses to the prompts may be pre-populated based on known car configurations and estimated use profiles. A predetermined number of limited configurations may be suggested to ease consumer choice. One a selection is made, a scannable or machine-readable code may be generated to allow a user to recall their selection at another computing device. | 2015-01-15 |
20150019372 | Method and system for customizing sandals for a user - In one embodiment, a method and system for customizing sandals comprises providing a user with a series of foot sole templates embodying varying shapes and sizes from which the user selects their foot shape; providing a second template for the selected shape with a series of possible positions for the placement of a toe strap; and manufacturing the sandal according to the user selections. | 2015-01-15 |
20150019373 | PROVIDING A CONSUMER ADVOCATE RECOMMENDATION UTILIZING HISTORIC PURCHASING DATA - A good selected by a shopper within a commerce session can be identified. The commerce session can be associated with a provider. The provider can be associated with a product and/or a service. The commerce session can be associated with an e-commerce Web site and a physical retail site. Historic purchase data associated with the good can be determined. The historic purchase data can be associated with the shopper. A purchase pattern for the good can be established based on at least one of the historic purchase data and a personalization profile. The personalization profile can include a user preference and/or an event data associated with an event. The event can affect the future purchasing behavior of the shopper. A recommendation based on the purchase pattern can be provided. The recommendation can benefit the purchasing behavior of the shopper. | 2015-01-15 |
20150019374 | PROVIDING RECOMMENDATIONS TO CUSTOMERS - Method, system, and computer program product embodiments are disclosed for providing recommendations to customers. Defining steps include establishing a connection with a customer's mobile device, obtaining information about the location of the customer's mobile device, determining recommended goods or services currently offered by one or more business locations, and outputting for display on the customer's mobile device a listing of the recommended goods or services navigable by category or subcategory. | 2015-01-15 |
20150019375 | PROJECTION SHOPPING WITH A MOBILE DEVICE - A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. A user in the vicinity of the surface views the projected information and provides input through the user's mobile device. The projected information changes based on the input. The user selects an item for purchase and pays for the selected item through the mobile device. | 2015-01-15 |
20150019376 | SYSTEM AND METHOD FOR USING TRUSTED DEVICE TO BROWSE E-BOOK - The invention relates to a system and a method for using a trusted device to browse e-books. The system comprises an author end, a user end, an electronic bookstore unit, and a data storage unit. In the cloud system, an e-book author can set the authorization mechanism about e-book sale and downloading to protect their copyrights and to upload the e-book by the electronic bookstore unit. The user also can browse e-books by assigned electronic apparatuses to protect purchase rights from being illegally copied. The e-book is an encrypted file, so the user has to use the identification code of the certified electronic apparatus as a decrypted key to decrypt the e-book file for reading. | 2015-01-15 |
20150019377 | DIRECT SALE AND SOCIAL NETWORKING PLATFORM AND SYSTEM - Platforms, systems, media, and methods that enable a direct sale of a product or a service comprising a processor configured to provide an application comprising: a software module for the user or the group of users to purchase a product directly from a manufacturer, provided that the buyer has the option to purchase the product from at least two manufacturers; a software module for selecting a shipping service for the product, provided that shipping is from the manufacturer to the user or the group of users, and provided that the user or the group of users has the option to purchase the service from at least two shipping providers; a software module for tracking the product through the manufacturing and shipping processes; and a software module for social networking comprises directly connecting to the manufacturer, the shipping provider, other users, or other group of users. | 2015-01-15 |
20150019378 | Data Processing Tool to Facilitate Secure and Confidential Interaction Among Buyers, Sellers and Real Estate Agents With Anti-Spoofing Mechanism - The network-based data processing tool facilitates selection and engagement of a real estate broker and providers of ancillary services in a confidential and secure manner. The tool includes a database that automatically stores historical commission bid data and uses that bid data to assist a user in selecting and engaging a real estate agent. To maintain confidentiality agents are only provided with knowledge of potential Buyer and Seller interest if those parties have actively requested bids from those agents. In addition, actual bid amounts are not visible to other agents. The Tool includes an anti-spoofing feature that detects if when an agent attempts to masquerade as a buyer or seller to use the tool to investigate what fees other agents are bidding. | 2015-01-15 |
20150019379 | Enhancing Touch and Feel on the Internet - A system for enabling touch and feel over the internet provides a three-dimensional representation of a good being sold, that three-dimensional representation being viewable from a number of different directions. In one embodiment, the good being sold is in a package and the package is displayed from the number of different directions. Another embodiment has the good being a book, and the inside and outside covers of the book are displayed and specified pages of the book can be displayed. The user can read from either the label or the covers just like as if the were actually handling the good. | 2015-01-15 |
20150019380 | Dynamic Array Presentation and Multiple Selection of Digitally Stored Objects and Corresponding Link Tokens for Simultaneous Presentation - A system and method for the multiple selection of digitally stored objects and the link-tokens of each selected object for simultaneous presentation and examination of the selected objects with their associated linked objects and information, including organized array presentation for graphical thumbnails that represent the selected objects, as well as sub-framing, which allows intelligent partitioning of information associated with an object. | 2015-01-15 |
20150019381 | METHODS AND SYSTEMS FOR VENDOR ASSURANCE - Methods and systems for identifying and coordinating vendors capable of providing a product or service associated with a transaction. Specifically, the invention includes methods and systems for creating order profiles used to select vendors for providing products or services available according to the transaction. A product or service related to the completion of the transaction is selected, a vendor ordering profile is selected, a vendor is selected according to a distribution selection method or by selection of a user, and the selected product or service is ordered from the selected product vendor. | 2015-01-15 |
20150019382 | CORPUS CREATION DEVICE, CORPUS CREATION METHOD AND CORPUS CREATION PROGRAM - A corpus creation device includes an acquisition unit that acquires item page data containing description data related to an item and an attribute list where an attribute name and an attribute value related to the item are associated, an adding unit that, when an attribute value in an attribute list contained in item page data is contained in description data in the item page data, adds an attribute tag identifying an attribute name with which the attribute value is associated in the attribute list to the attribute value contained in the description data, and an output unit that outputs description data in which an attribute tag is added as corpus data. | 2015-01-15 |
20150019383 | ONLINE VACATION RENTAL BOOKING SYSTEM - A property search engine interface, having a plurality of coupled, color-coded, interactive cells each having a record therein. Cells are arranged in a grid format, a horizontal row is representative of a first characteristic, and a vertical column is representative of a second characteristic. A respective cell of the plurality of cells corresponds to the first characteristic and a second characteristic, and a cell color-coding of the cell is representative of a third characteristic. Each interactive cell contains a record corresponding to the third characteristic, and the record is selected by a search engine coupled to a vacation rental database. The first characteristic is a time characteristic, the second characteristic is an accommodation characteristic, and the third characteristic is an average nightly price characteristic. The record corresponds to an average nightly price record related to the time characteristic and the accommodation characteristic. | 2015-01-15 |
20150019384 | DIRECT SALE AND SOCIAL NETWORKING PLATFORM AND SYSTEM - Platforms, systems, media, and methods that enable a direct sale of a product or a service comprising a processor configured to provide an application comprising: a software module for the user or the group of users to purchase a product directly from a manufacturer, provided that the buyer has the option to purchase the product from at least two manufacturers; a software module for selecting a shipping service for the product, provided that shipping is from the manufacturer to the user or the group of users, and provided that the user or the group of users has the option to purchase the service from at least two shipping providers; a software module for tracking the product through the manufacturing and shipping processes; and a software module for social networking comprises directly connecting to the manufacturer, the shipping provider, other users, or other group of users. | 2015-01-15 |
20150019385 | E-COMMERCE PURCHASE PORTAL - In an example, aspects of this disclosure relate to a process for electronic commerce that includes providing, at a website of a manufacturer, an indication of one or more products for sale by the manufacturer, wherein the one or more products are distributed by a distributor that is distinct from the manufacturer. The process also includes receiving an indication of an intent to purchase the one or more products by a customer and an identification number that uniquely identifies the customer, and, in response to receiving the indication of the intent to purchase and the customer identification number, generating order information comprising data identifying the one or more products and data identifying the customer. The process also includes initiating an order with the distributor using the order information without transitioning to a website of the distributor. | 2015-01-15 |
20150019386 | OPERATION DEVICE AND COMPUTER PROGRAM - An operation device determines, when it is determined that a consumable is gradually consumed, whether or not the remaining quantity of the consumable is not more than 50%. When it is determined that the remaining quantity is not more than 50%, and it is in a fixed value order mode, the operation device executes order processing for transmitting order information of ordering the consumable. Also, when it is determined that the remaining quantity is not more than 50%, that it is in a consumption prediction mode, and that the prediction period to the time when the remaining quantity becomes 0 is within 10 days, the operation device executes order processing. | 2015-01-15 |
20150019387 | BOX-LAST PACKAGING SYSTEM - Implementations of the present invention relate to systems and methods for receiving an order that has been gathered and is ready for packaging. After the order is received, a tracking code can be scanned. The tracking code may be associated with packaging information relating to the order's packaging attributes. A request can then be send to a packaging system to generate a packaging template. The packaging system can then generate the requested packaging template. | 2015-01-15 |
20150019388 | Method and Apparatus for Preventing Fraudulent Transactions Online - A method and apparatus for providing fraud protection in purchase transactions made by a customer. The method including the steps of: receiving a purchase request for one or more items having a first price; generating a second price and/or an applied identifier that is unknown to the customer; applying a charge of the second price and/or the applied identifier using payment details provided; receiving data indicative of a third price and/or a recorded identifier; and comparing the data with the second price and/or the applied identifier; wherein if data is equal to the second price and/or applied identifier then finalise the purchase request. | 2015-01-15 |
20150019389 | Method For Ordering A Spectacle Lens And Associated System - A method and an associated system for ordering a spectacle lens by a wearer ( | 2015-01-15 |
20150019390 | SYSTEM FOR GENERATING VIRTUAL CLOTHING EXPERIENCES - A system for generating a virtual clothing experience has a display for mounting with a wall, one or more digital cameras for capturing first images of the person standing in front of the display, an image processing module for synthesizing the first images and for generating a display image on the display that substantially appears, to the person, like a reflection of the person in a mirror positioned at the display. The cameras capture second images of a garment with the person; the module synthesizes the second images with the first images to generate the image that substantially appears, to the person, that the reflection wears the garment. A home version of the system may be formed with a home computer and a database storing garment images in cooperation with a manufacturer. | 2015-01-15 |
20150019391 | DETECTING ITEM INTERACTION AND MOVEMENT - This disclosure describes a system for tracking removal or placement of items at inventory locations with a materials handling facility. In some instances, a user may remove an item from an inventory location and the inventory management system may detect that removal and update a user item list associated with the user to include an item identifier representative of the removed item. Likewise, if the user places an item at an inventory location, the inventory management system may detect that placement and update the user item list to remove an item identifier representative of the placed item. | 2015-01-15 |
20150019392 | COST ITEM LIFE CYCLE VIEWER WITH CONFIGURABLE DOCUMENT TRAVERSAL OPTIONS - A method, system, and computer program product for enterprise accounting software applications. The computer implemented method commences upon receiving a single user-specified indication of a subject cost item. Then, responsive to the single user-specified indication, the method traverses from the subject cost item to at least one of a successor cost item or a predecessor cost item. Then, still responsive to the single user-specified indication of a subject cost item, the method proceeds to automatically retrieve information from the successor cost item or from the predecessor cost item. Then, still responsive to the single user-specified indication, the method invokes operations for displaying a representation of the subject cost item in a juxtaposition to the automatically traversed-to items. A user can configure traversing from a purchase requisition to a purchase order, and/or traversing from a purchase order to a payable invoice, and/or traversing from a payable invoice to a project expenditure. | 2015-01-15 |
20150019393 | INFORMATION PROCESSING APPARATUS AND METHOD, AND NON-TRANSITORY COMPUTER READABLE MEDIUM - An information processing apparatus includes an obtaining unit, a calculator, and an output unit. The obtaining unit obtains fee information indicating a fee of a service used by multiple users. The calculator calculates a distributed price to be charged to each of the multiple users if the fee indicated by the fee information obtained by the obtaining unit is distributed among the multiple users. The output unit outputs data indicating distributed prices calculated by the calculator and items of identification information for identifying the multiple users to which the distributed prices are charged. | 2015-01-15 |
20150019394 | MERCHANT INFORMATION CORRECTION THROUGH TRANSACTION HISTORY OR DETAIL - A method of updating location information associated with a merchant in an electronic payment card network includes retrieving a plurality of payment transaction records associated with a merchant over a predetermined period of time. The plurality of payment transaction records are associated with a plurality of payment accounts, and include location data, including a country of issuance, associated with the payment card accounts. The location data associated with the plurality of payment accounts are aggregated. The merchant's location information is updated in payment transaction records and, optionally, in a central database of merchant location data, based on the aggregated location data associated with the plurality of payment accounts, for example, based on a country of issuance of a majority of the payment cards associated with the payment accounts. | 2015-01-15 |
20150019395 | GEOGRAPHIC SCORE MODEL AND SERVICE - Provides, relative to a bond, a relative point in time and trend score based on dispositive economic and demographic factors preferably for State, County and City/place geographies in which the score provides a relative “health” perspective as preferably the same factors relate to similar type of geographies. The data sets used in each geographical scoring are preferably consistent with one another. | 2015-01-15 |
20150019396 | COMPUTER SYSTEMS AND COMPUTER METHODS FOR AUTOMATED ON-DEMAND CUSTOMIZABLE ASSEMBLING AND HIGH THROUGHPUT PRINTING OF DOCUMENTS - In some embodiments, the instant invention provides for a computer-implemented method that includes at least the following steps of: periodically receiving investment transactional data identifying investment transactions of a plurality of investors; automatically determining, based on the investment transactional data, a document to be mailed to each investor of the plurality of investors; automatically generating a delivery data for each mailing to be mailed to each investor of the plurality of investors, where the delivery data includes: bucslip data or trade confirmation data, assembling data, and unique production control bar code data generated based on the assembling data and an investment transaction identifier from the investment transactional data; and printing a unique production control bar code based on the unique production control bar code data, where the unique production control bar code is configured to be used for: assembling each mailing envelope, and tracking such mailing envelope. | 2015-01-15 |
20150019397 | Dynamic Market Order Execution Validation Mechanism - A system, method, and non-transitory computer-readable information recording medium allows a user or trader to prepare, and send to an exchange, a trade order using a trading device. The trading device receives market data from an exchange and displays the received market data on a display unit of the trading device. The trading device also receives a trade order instruction via an input device at the trading device and detecting an occurrence of a market update as a function of the received market data within an established trade order time period associated with a time at which the trade order was received. If the occurrence of the market update was detected during the established trade order time period, the execution of the trade order is prevented. | 2015-01-15 |
20150019398 | TRADING ORDERS WITH DECAYING RESERVES - In various embodiments, an apparatus includes a processor and a memory. The memory is communicatively coupled to the processor. The memory stores software instructions that, when executed by the processor, cause the processor to receive a trading order for a particular quantity of a trading product. The trading order specifies that a first portion of the particular quantity is a displayed quantity and that a second portion of the particular quantity is a reserved quantity. The trading order specifies at least one of a decay rule, a decay interval, a decay rate, decay quantity, and one or more conditions. The software instructions, when executed by the processor, cause the processor to cause the reserved quantity to decay based at least in part on at least one of the decay rule, the decay interval, the decay rate, and the decay quantity, and one or more conditions. | 2015-01-15 |
20150019399 | TRADING CIRCLES - The disclosed embodiments provide trading circles. An example method includes defining a group having a plurality of members, wherein one or more of the plurality of members interacts with an exchange that facilitates market transactions; detecting a first interaction of a first group member with the exchange; and communicating, in response to detecting the first interaction, data related to the first interaction to a second group member before the first group member receives confirmation of the first interaction from the exchange. | 2015-01-15 |
20150019400 | FLEXIBLE PAYMENT LOAN METHODS AND SYSTEMS - Flexible payment loan methods and systems are provided. When approved for a flexible payment loan, a user may skip making loan payments in a set of loan skipping periods without penalty. The set of loan skipping payment periods may be predetermined and may comprise the summer months of July and August. Interest may continue to accrue in the loan skipping periods when the user skips payments. In each review period, the condition of a flexible payment loan is validated. A user may continuously skip payments only if the flexible payment loan is in good standing. | 2015-01-15 |
20150019401 | INTEGRATED CREDIT DECISION PLATFORM - Methods, systems, and computer-readable media for providing an integrated credit decision platform are presented. An integrated credit decision platform may integrate customer data across a variety of areas. For example, a customer may have a credit line, a checking account, a mortgage, or other suitable financial accounts with a financial institution. The integrated platform may make customer data across accounts available during a credit decision. In an embodiment, an organization, such as a financial institution, may receive a credit request from a customer. The credit request may include a request to change the status of the customer's credit with the financial institution. Integrated data may be accessed for the customer. For example, one or more of a checking account balance, a saving's account balance, and credit line, a payment history, and other suitable data may be accessed. A decision whether to grant or deny the customer's credit request may be based on the accessed integrated data. | 2015-01-15 |
20150019402 | SYSTEM AND METHOD FOR PAYMENT PROCESSING, MERCHANT ACCOUNT APPLICATION, AND UNDERWRITING - A system and method for payment processing system account application, payment processing merchant account application, and payment processing merchant account underwriting is disclosed. A system presents a user interface which collects user data for a single application for a several services in a broad class of services. In an embodiment, the single application is appropriate for applying for automated clearing house (ACH) accounts from multiple ACH processors, and credit card accounts from multiple CC processors. Questions are not duplicated on the form, and only one electronic signature is required for all of the relevant application documents. Embodiments include the system performing prescreening of users to detect non-qualified applicants before submission of the application to processors. Embodiments further include selection of processors based on collected information; selection of alternate processors should a user screen out of the initially assigned choice; and automated underwriting and customer boarding for approved applications. | 2015-01-15 |
20150019403 | System, Program Product, and Computer-Implemented Method for Loading a Loan on an Existing Pre-Paid Card - Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from the lender to an approved borrower on an existing pre-paid card associated with the pre-paid card processor. Next, the bank credits the loan proceeds to the pre-paid card processor for the existing pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available. | 2015-01-15 |
20150019404 | CREDITWORTHINESS DETERMINATION THROUGH ONLINE SOCIAL NETWORK ENDORSEMENTS - Embodiments relate to computer-implemented methods and computing apparatuses for technologically determining a creditworthiness metric for a potential borrower are disclosed. In embodiments, a creditworthiness metric for a potential borrower may be determined based at least in part on endorsements of other parties connected to the potential borrowers via an online social network. In embodiments, users of an online social network may make respective endorsements of other users of the online social network. Respective creditworthiness metrics may be determined based on the endorsements, and/or other factors, such as connections, endorsement values, so forth. Other embodiments may be disclosed and/or claimed. | 2015-01-15 |
20150019405 | SYSTEM AND METHOD FOR BUILDING AND VALIDATING A CREDIT SCORING FUNCTION - This invention relates generally to the personal finance and banking field, and more particularly to the field of credit scoring methods and systems. Preferred embodiments of the present invention provide systems and methods for building and validating a credit scoring function based on a creditor's target information from non-traditional sources using specific algorithms. | 2015-01-15 |
20150019406 | Systems, Methods, Apparatus, And Schema For Storing, Managing And Retrieving Information - Some embodiments include a system, method, apparatus and schema for managing and retrieving information associated with risk. | 2015-01-15 |
20150019407 | GENERATING CUSTOMER-SPECIFIC VEHICLE PROPOSALS FOR POTENTIAL VEHICLE CUSTOMERS - Methods, systems and computer program products for generating customer-specific vehicle proposals based on ongoing vehicle finance pay-off information that may be received from a third party entity and stored in a large database. Embodiments of the invention herein disclosed provide for efficient identification of potential customers based on their current vehicle and the ongoing financial obligation related to the current vehicle. A replacement vehicle is identified and a vehicle proposal, such as a sales or lease proposal, is generated for one or more of the identified potential customers. | 2015-01-15 |
20150019408 | FIRM OFFERS OF CREDIT SYSTEM - A computer-implemented method for providing firm offers of credit to a consumer includes receiving consumer information from a consumer via a network, receiving a selection via the network from the consumer to permit at least one soft credit inquiry of the consumer's credit record, submitting a soft credit inquiry to a credit reporting agency, the soft credit inquiry based on the consumer information, receiving at least one firm offer of credit from the credit reporting agency, the firm offer of credit resulting from the credit reporting agency performing the soft credit inquiry on the consumer's credit record, each firm offer of credit provided by a credit issuer; and providing the at least one firm offer of credit to the consumer via the network. | 2015-01-15 |
20150019409 | SYSTEMS AND METHODS FOR LOCATION-BASED TRANSACTION INFORMATION CAPTURING - Systems and methods for capturing location-based transaction details are provided. The system includes a location component configured to determine a location of a user device. The system also includes one or more processors configured to determine if the determined location is a favorite location of a user of the user device or if the user has been in the location for a time period greater than a threshold time, prompt the user to enter transaction information, and receive entered transaction information. The system also includes a memory configured to store the received transaction information, and a network interface component configured to send the stored transaction information. The sent transaction information may be stored on a remote server and may be accessed by user so that a user may be capable of viewing their transaction and other account information over a network. | 2015-01-15 |
20150019410 | Fraud Management System and Method - The present invention relates to a computer-implemented fraud method and system for managing fraud screening in response to a requested transaction. The fraud management system checks the efficiency of the fraud screening strategy and predicts the efficiency of new fraud screening strategies based on the total cost of fraud. This calculation is facilitated, because transactions are divided into groups, and the total cost of fraud may be calculated for a representative element of the group, and not for each transaction in the group. Furthermore, if the fraud screening is based on rules that apply an acceptance flow to predetermined conditions, the fraud management can choose the best acceptance flow for these predetermined conditions by minimizing the total cost of fraud. Finally, the fraud management can also flag inefficient rules thanks to an indicator related to the total cost of fraud to highlight rules whose predetermined conditions should be changed. | 2015-01-15 |
20150019411 | SYSTEMS AND METHODS FOR FACILITATING MULTI-PARTY PAYMENT TRANSACTIONS - A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee. | 2015-01-15 |
20150019412 | METHOD AND SERVER FOR PROCESSING DATA - A method and a server for processing data are provided. A recharging request containing an account number for recharging is received. An interface of a recharging server is called to perform a first recharging process to the account number for recharging. It is then determined whether the first recharging process is completed within a pre-determined duration. When the first recharging process is not completed within the pre-determined duration, a second recharging process is performed to a compensating account corresponding to the account number for recharging. The server includes a recharging request module, a recharging interface calling module, a determining module, and a recharging module. | 2015-01-15 |
20150019413 | SYSTEM FOR ENTERING DATA INTO A DATA PROCESSING SYSTEM - The present invention is a data entry system for extracting data from an image. The system displays a number of data capture windows corresponding to data fields employed in a data processing application, such as accounting software. The system allows the user to position the capture windows over the associated data in the image and automatically extracts the digital string under the window as the value of the associated data field. The system then submits all the data field values to the data processing application as if the user had entered them directly into a data entry screen in the data processing application. | 2015-01-15 |
20150019414 | SYSTEMS AND METHODS FOR BALANCE TRANSFERS ASSOCIATED WITH PAYMENT VEHICLES AND GAMING ENVIRONMENTS - Systems and methods for crediting a gaming account of an online gaming provider are disclosed. When the gaming account is of a player is credited, a stored value account of the player is debited. The stored value account can be linked to a stored value payment vehicle issued to a player. At the conclusion of online gameplay, the gaming account can be debited and the stored value account credited to reflect winnings. | 2015-01-15 |
20150019415 | AUTOMATIC CONSUMER DEBIT AND PAYMENT SYSTEM - Customers provide payday and creditor/biller information to a payment service, which determines the customer's aggregated monthly payments on periodic accounts such as vehicle loans and mortgages and then on each payday deducts a fraction of the aggregated amount in a single transaction, resulting in only a single fee to the customer. The fraction depends on how many times per month the customer is paid. The customer's funds are held in a trust account and on days that payment for a respective creditor is due during the month, the respective creditor is automatically paid out of the trust account. | 2015-01-15 |
20150019416 | SYSTEMS AND METHODS FOR GENERATING PAYMENT DUE NOTIFICATIONS - Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor. | 2015-01-15 |
20150019417 | UPDATING A DIGITAL WALLET FROM FINANCIAL ACCOUNT ISSUER - A digital wallet provider system provides an interface specification to a financial account issuer. Using the interface specification, the financial account issuer system provides user financial account information directly to the digital wallet provider system without requiring the user to enter the user's financial account information. Once the digital wallet provider system receives the user's financial account information from the financial account issuer system, the digital wallet provider system verifies the identity of the user and the completeness of the financial account information received from the financial account issuer system. The digital wallet provider then updates the user's digital wallet account, on behalf of the user, to include the user's financial account. | 2015-01-15 |
20150019418 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR ENABLING INSTRUMENT CREDENTIALS - Systems, methods, and computer program products are provided for enabling instrument credentials on a secure element. Application identifiers of credentials are stored on at least one memory. An input to an interface causes an instrument representation corresponding to a set of credentials to be displayed on the interface. The application identifier of the displayed instrument is retrieved from the memory and transmitted in a request to a secure element to enable an applet corresponding to the application identifier. A response is received indicating whether the applet corresponding to the application identifier is enabled. | 2015-01-15 |
20150019419 | INFORMATION PROCESSING SERVER, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM PRODUCT, AND RECORDING MEDIUM ON WHICH INFORMATION PROCESSING PROGRAM PRODUCT IS RECORDED - The purpose of the present invention is to enhance user convenience by combining stored value type and server management type payment systems. A portable terminal | 2015-01-15 |
20150019420 | GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS - Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser. | 2015-01-15 |
20150019421 | GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS - Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser. | 2015-01-15 |
20150019422 | GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS - Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser. | 2015-01-15 |
20150019423 | TRANSACTIONAL RECONCILIATION SYSTEM AND METHOD - Provided are a computer-implemented method and system in the form of an integrated application programming interface (API) for booking payments entered in an accounting software application, comprising: receiving a user's selection of invoices to be paid in a user interface; determining the total value of invoices to be paid; allowing the user to select a currency exchange rate provided to transfer the monies due from a bank account of the user to a beneficiary account of each of the one or more suppliers; receiving a user's selection of currency exchange rate and payment approval; executing the funds transfer to each of the beneficiary accounts; allowing the user to automatically post the funds transfer to the accounting software application once confirmation of the funds transfer is received; and automatically posting an exchange gain or loss in the accounting software application based on the funds transfer. | 2015-01-15 |
20150019424 | DATA SECURITY SYSTEM USING MOBILE COMMUNICATIONS DEVICE - Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again. | 2015-01-15 |
20150019425 | METHODS AND DEVICES FOR FRAUD DETECTION DURING MOBILE PAYMENT - Methods, devices and servers for assisting a financial institution server in identifying a fraudulent financial transaction initiated via an electronic device are described. In one aspect, a method for verifying security information associated with an electronic device during a financial transaction between the electronic device and the financial institution server is described. The method is implemented by the financial institution server. The method includes: sending a request for security information associated with the electronic device to a wireless service provider server, the request including a phone number associated with the electronic device; receiving the security information from the wireless service provider server, the security information including at least a unique equipment identifier associated with the phone number or an operating state of the electronic device; and determining whether the financial transaction is authorized based on the received security information. | 2015-01-15 |
20150019426 | METHOD AND SYSTEM FOR APPLYING SPENDING LIMITS TO PAYMENT ACCOUNTS INVOLVING INSTALLMENT TRANSACTIONS - A method for identifying a spending budget for a payment account includes: storing, in an account database, a plurality of account data entries, each account data entry including at least an account identifier and a base monthly spending limit; storing, in an installment database, a plurality of installment data entries, each installment data entry including at least an account identifier and an installment amount; identifying, for a specific account data entry in the account database, at least one installment data entry where the included account identifier corresponds to the account identifier of the specific account data entry; calculating an effective monthly spending limit based on the base monthly spending limit and the installment amount included in each of the identified at least one installment data entry; and associating, in the account database, the calculated effective monthly spending limit with the specific account data entry. | 2015-01-15 |
20150019427 | SECURELY GENERATING TIME AND LOCATION BOUNDED VIRTUAL TRANSACTION CARDS USING MOBILE WALLETS WITHOUT INVOLVING THIRD PARTIES OR POINT OF SALE TERMINALS - Methods and systems may provide for generating a virtual transaction card based on a card value and one or more mobile usage constraints including a time bounded policy, wherein the virtual transaction card is invalid if the time bounded policy is not satisfied. Additionally, the virtual transaction card may be transmitted to a delegate mobile device. Other mobile usage constraints, such as location bounded policies and type of transaction policies may also be used. | 2015-01-15 |
20150019428 | SYSTEMS AND METHODS FOR DYNAMIC TRANSACTION-PAYMENT ROUTING - A mobile payment transaction aggregator designed to identify, on a per transaction basis, a payment processor from a plurality of available payment processors with the lowest processing fee for the given transaction. Additionally, the aggregator may bundle multiple payment transactions of a single consumer across multiple merchants for additional savings. | 2015-01-15 |
20150019429 | TRANSACTION PROCESSING WITH NON-INTERNET COMMUNICATION - Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer which provides order information. Such order information includes verification variables used by the bank. Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant. | 2015-01-15 |
20150019430 | TRANSACTION PROCESSING WITH PAYMENT AGENT - Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer which provides order information. Such order information includes verification variables used by the bank. Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant. | 2015-01-15 |
20150019431 | DIRECT DEBIT PROCEDURE - The invention describes a method of direct debiting a user by means of a mobile communication device comprising a secure element. The method comprises the steps of: receiving at least a part of an identifier provided by means of a backend system by means of the mobile communication device; storing the transmitted identifier in the secure element; initiating a data connection between the mobile communication device and/or the secure element and a reader device for preparing a transaction; transferring at least a part of the transmitted identifier to the reader device; verifying the identifier to be transferred to the reader device or transferred to the reader device in order to release a payment by means of a bank system. The invention further describes a mobile communication device and a system to perform the method in order to enable secure payment by means of a mobile communication device. | 2015-01-15 |
20150019432 | MOBILE PAYMENTS USING PROXIMITY-BASED PEER-TO-PEER COMMUNICATION AND AN INTENT-TO-PAY GESTURE - The disclosure generally relates to mobile payments using proximity-based peer-to-peer (P2P) communication and an intent-to-pay gesture. In particular, a mobile device may detect a distinctive intent-to-pay gesture from one or more signals generated with one or more sensors on the mobile device. For example, the signals may indicate that the mobile device was gestured against a passive target that may resonate to indicate that the intent-to-pay gesture was made. The mobile device may then receive transaction details over a proximal P2P connection in response to detecting the intent-to-pay gesture and send a message over the proximal P2P connection to complete the mobile payment in response to receiving an input confirming the transaction details. Furthermore, the passive target may be constructed to produce a distinct resonant response that can be used to identify the passive target (e.g., using a microphone on the mobile device). | 2015-01-15 |
20150019433 | METHOD FOR CARRYING OUT A TRANSACTION, CORRESPONDING TERMINAL AND COMPUTER PROGRAM - A method is provided for carrying out a financial transaction. The method is implemented within a terminal of a user wishing to carry out a transaction with a merchant. The method includes: receiving a merchant's identifier; receiving a piece of data representing a transaction amount; generating a transaction by using the user's terminal to the benefit of the merchant; and transmitting the transaction to a transaction management server. | 2015-01-15 |
20150019434 | MONEY TRANSFER TRANSACTIONS VIA PRE-PAID WIRELESS COMMUNICATION DEVICES - Systems and methods for performing money transfer transactions via a wireless communication device, such as a cellular phone, are provided. The wireless communication device may be associated with, or automatically linked to, at least one payment source account. The wireless communication device may be associated with at least one pre-paid payment source account. In one example, the wireless communication device is a pre-paid cellular phone and/or is associated with a pre-paid money transfer account. The wireless communication device may access a pre-directed phone number, e.g., *55, to access a money transfer service provider. Once connected to a money transfer service provider, a user may initiate a money transfer via the wireless device, which is optionally paid to a payee in-person at a money transfer service provider location. | 2015-01-15 |
20150019435 | SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION - A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal. | 2015-01-15 |
20150019436 | METHODS AND SYSTEMS FOR PROCESSING ELECTRONIC DOCUMENTS - A method, a system, and a computer program product for processing a plurality of electronic documents are provided. The method includes marking at least one area in an electronic document selected from the plurality of electronic documents. The marked at least one area is then matched with corresponding area in the remaining electronic documents of the plurality of electronic documents. A score is computed for each of the remaining electronic documents of the plurality of electronic documents based on the matching. The plurality of electronic documents is then grouped into one or more groups based on the score. | 2015-01-15 |
20150019437 | CHECK CASHING WITH A MOBILE PHONE - A card actuated automated banking machine ( | 2015-01-15 |
20150019438 | APPARATUS AND METHOD FOR A PAYMENT PROCESSING SYSTEM FOR SECURING BANKCARD DATA - Apparatus and method for a payment processing system are described. The payment processing system provides security of and secures storage of bankcard data during storage in the payment processing system by encrypting the bankcard data. | 2015-01-15 |
20150019439 | Systems and Methods Relating to Secure Payment Transactions - Systems and methods are provided for processing a transaction to enable an issuer of a physical transaction device to process a transaction message relating to a digital transaction device, where the digital transaction device is a digitized counterpart of the physical transaction device. In connection therewith, a transaction processing system is configured to receive the transaction message including a digital device data set associated with the digital transaction device; identify a physical device data set that corresponds to the digital device data set from a group of paired physical device data sets and respective digital device data sets; modify the transaction message to include the identified physical device data set to form a modified transaction message; and communicate the modified transaction message to the issuer of the physical transaction device. | 2015-01-15 |
20150019440 | Encrypted Correction Code to protect the integrity and originality of electronic documentation and secure online payment and online wallet - A method is provided for protecting the integrity and originality of electronic documentation and supporting securer and easier online payment using the Encrypted Correction Code which is correction code of the whole documentation and encrypted by the private key of RSA. The code is imbedded into 2D-barcode as RGB color value of pixels. First, 2D-barcode is generated with public-key ID, and then blend and imbedded into electronic documentation. Then the Correction Code is calculated and is encrypted by RSA private key. After that, the Encrypted Correction is mapped into color in the image of 2D-barcode. When the file is received, the integrity and originality is checked by comparing Correction Code decrypted from 2D-barcode with the Correction Code of the documentation. The present invention can be applicable to support more secure and easier online wallet using three-layer encryption and free from any personal information. | 2015-01-15 |
20150019441 | MOBILE-TO-MOBILE TRANSACTIONS - A mobile-to-mobile transaction method allows two mobile smartphones to engage in a private transaction between themselves. The two share the same transaction server using prearranged individual enrollments. These build a dynamic digital image of a colorgram with a selected shape that defines a colorgram matrix boundary. Authentication codes, merchant coupons, product advertisements, and browser uniform resource locator (URL) links for product information and ordering, one-time-password (OTP) seeds, initialization vectors, individual enrollment passwords, or password seeds are embedded and encrypted in each colorgram. The colorgram is sent to a first one of the mobile smartphones for its display to a collocated second one of the mobile smartphones. A transaction is authenticated between users based on a calculated expectation of what should be returned when it provides its own digital image of the colorgram displayed by the first mobile smartphone. | 2015-01-15 |
20150019442 | PRE-GENERATION OF SESSION KEYS FOR ELECTRONIC TRANSACTIONS AND DEVICES THAT PRE-GENERATE SESSION KEYS FOR ELECTRONIC TRANSACTIONS - Methods and devices for pre-generating session keys for securing transactions are provided. A plurality of session cryptographic keys are generated from a master cryptographic key and a respective plurality of possible values of a transaction counter. The session cryptographic keys are encrypted to provide a plurality of encrypted session cryptographic keys, which are stored in the user terminal. The master cryptographic key is deleted from the user terminal after the session keys are generated. To secure a transaction, a cryptogram is generated based on one of the encrypted session cryptographic keys and transaction data for the transaction, and the cryptogram is transmitted to a transaction terminal. The transaction counter is updated, and the encrypted session cryptographic key is deleted from the user terminal. | 2015-01-15 |
20150019443 | SECURE REMOTE PAYMENT TRANSACTION PROCESSING - Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction. | 2015-01-15 |
20150019444 | Augmented Smart Tag Security Apparatuses, Methods and Systems - The AUGMENTED SMART TAG SECURITY APPARATUSES, METHODS AND SYSTEMS (“ASTS”) transform video and other media inputs of POS terminals and markers associated with tags and codes via ASTS components into ways to validate the POS security and instructions/restrictions regulating access to and action on the data stored in the tags and codes. In one implementation, the ASTS receives from a user's device identifying markers of smart tag enabled point of sale devices. Upon receiving the markers, in some implementations, the ASTS mayverify the security of the received smart tags and markers, and retrieve from the markers instructions and restrictions directed at the smart tag based transactions. In some implementations, the ASTS may provide authorization to the user device to proceed with the transaction according to the instructions and restrictions based on the security of the smart tags and the markers. | 2015-01-15 |
20150019445 | PERSONALIZED MESSAGING PLATFORM - A personalized messaging system includes a personalized messaging application that is executed by a computing system to communicate with a computing device of a user to generate a personalized recipient message that may be transmitted to a customer. The application receives one or more instances of user-supplied content from the user computing device in which user-supplied content is associated with a product or service purchased by a customer in advance of delivery of the product or consumption of the service. From this information, the application generates a personalized recipient message using the user-supplied content, and transmits the personalized recipient message to the recipient. | 2015-01-15 |
20150019446 | Methods, Systems, and Computer-Readable Storage Devices Facilitating Analysis of Recorded Events - An event recording is received. The event is associated with an event entity and occurs over an event duration at an event location. A tag is received responsive to user interaction with a communication device. The tag is associated with at least one of the particular entity associated with the event entity, a particular time period associated with the event duration, and a particular location associated with the event location. Additional information associated with the event recording is received, and the tag is matched with at least a portion of the event recording based on at least one of the particular entity, the particular time period, and the particular location associated with the received tag. The portion of the event recording matching the received tag is presented for review along with the received additional information associated with the event recording. | 2015-01-15 |
20150019447 | REVERSE EVENT SIGNATURE FOR IDENTIFYING HIT AND RUN VEHICLES - Identifying a vehicle involved in a hit-and-run accident may comprise generating a damage signature associated with a first vehicle that is left behind with collision damage in a hit-and-run accident. A reverse event signature may be generated that indicates a position of impact and severity of damage associated with a second vehicle involved in the hit-and-run accident that fled a scene of the hit-and-run accident. The generating of the reverse event signature may be based on reverse engineering the damage signature associated with the first vehicle. | 2015-01-15 |
20150019448 | Crowd-Sourced Cluster Patent System And Method - A crowd-source cluster patent system and method are provided that magnifies the capability of a subject matter expert to manage crowd-sourced challenges in order to create derivative works from an original intangible asset. The System brings together crowds of inventors, and crowds of patent writers and crowds of patent attorneys in order to rapidly create high value, cluster patents around a seed patent and file them. | 2015-01-15 |
20150019449 | METHOD TO TRANSFER PERSONAL FINANCIAL INFORMATION AND OTHER HARD TO REPLACE DOCUMENTS TO A SELECTED RECIPIENT POST DEATH - A safe, secure and reliable process allows a family member to select one or more loved ones who should be able to receive all the financial details, hard to replace documents, and other information of a person in case of an unfortunate sudden death. The system and methods surrounding this process can help avoid the various follow ups and errands that might be required with various agencies, such as banks, creditors, tax agents, insurance companies, and the like, to find all of the related and necessary information. | 2015-01-15 |
20150019450 | METHOD AND SYSTEM FOR ESTABLISHING AND USING A SOCIAL NETWORK TO FACILITATE PEOPLE IN LIFE ISSUES - Embodiments described herein provide numerous applications and implementations of a social network to facilitate individuals to resolve various life issues. These issues may include issues that arise when individuals or families relocate, including logistic problems, assimilation of family members in a community, and roommate pairings. As will be described, embodiments described herein greatly facilitate corporations in relocating their employees logistically, and also assist employees and their families with life issues that may determine whether the employees' relocation will be a success. | 2015-01-15 |
20150019451 | DECISION BASIS FOR BENEFITS PROGRAM - A computer implemented method including populating a data structure, stored on a computer readable storage device, with data for use in determining eligibility for benefits from a benefits program, performing a verification check on the data using evidence related to the data, making a decision regarding eligibility for benefits based on the verified data and rules for the benefits program, and storing the data utilized in the decision, including the evidence used in the verification check. | 2015-01-15 |
20150019452 | SYSTEM AND METHOD FOR EVALUATING ASSESSMENTS - Various embodiments are described herein that generally relate to a system and method for processing a plurality of grade objects to determine a value for an intermediate result grade object or a final result grade object according to an assessment structure. This may be accomplished by obtaining values for a plurality of grade objects and applying various policies and aggregator functions to these values based on the assessment structure. | 2015-01-15 |
20150019453 | SYSTEM FOR AIDING IN THE APPLICATION TO MULTIPLE COLLEGES - A coordinated college application system provides a means for finding and collecting information and applying to colleges from a single location. Information is easily shared for use in multiple colleges. | 2015-01-15 |
20150019454 | METHOD AND SYSTEM FOR CLASSIFYING PARAMETERS OF COMMODITIES REQUIRED FOR GLOBAL SHIPPING AND CUSTOMS CLEARANCE - Consumer goods sold through international ecommerce sites can be classified using pertinent information extracted from data related to previous sales/shipping of commodities. A database stores historical information related to previous sales of commodities, including a description of the commodity, HS code, weight, size, etc. When a consumer makes a purchase of a commodity on-line with a request for an international shipment, the server operating the seller's website provides descriptive information related to the commodity being sold to a classifier server. The classifier server accesses the database and performs a search of the information stored in the database using the information provided by the seller's server to find a best match for the commodity being currently sold. The classifier server will then determine one or more parameters for the commodity based on the historical data stored in the database, that are used to calculate the fully landed cost for the commodity. | 2015-01-15 |