05th week of 2013 patent applcation highlights part 60 |
Patent application number | Title | Published |
20130030929 | RESERVE PRICE RANDOMNESS IN ONLINE ADVERTISING - The present invention provides techniques that may be used in connection with or as part of an online advertising auction-based exchange. Techniques are provided in which reserve prices, which may set minimum amounts for winning bids, are randomized. For a set of one or more auctions during a time period to which a single reserve price would otherwise apply, one or more randomized reserve prices may instead be applied. Use of randomized reserve prices can smooth otherwise abrupt responses resulting from advertiser bid modifications, and lead to desirable marketplace characteristics or marketplace optimization. | 2013-01-31 |
20130030930 | MANAGING CONSISTENT INTERFACES FOR A POINT OF SALE TRANSACTION BUSINESS OBJECT ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a point of sale transaction business object. | 2013-01-31 |
20130030931 | Method and System for Location Based Hands-Free Payment - Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first mobile device may determine its location coordinates and communicate them to a selected point of sale device. An authorization to execute a payment transaction may be triggered on the first mobile device when it is within a defined proximity of the selected point of sale device. In another embodiment of the invention, a first point of sale device may determine the location coordinates of a selected mobile device and trigger a notification based on a generated geo-fence when the selected mobile device is within a defined proximity of the first point of sale device. | 2013-01-31 |
20130030932 | CASH REGISTER AND CASH PROCESSING APPARATUS - According to one embodiment, a cash register, that includes an input unit and is connected with a cash processing apparatus having a power control unit for turning on or off the power supply of each unit, comprises a power-on unit which turns on the power supply of the cash processing apparatus using the power control unit after the category of a commodity is input through the input unit. | 2013-01-31 |
20130030933 | PAYMENT FACILITATING SYSTEM FOR USE WITH A MOBILE COMMUNICATOR UTILIZING A NEAR FIELD COMMUNICATION (NFC) LINK - A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, the system including a Near Field Communication (NFC) financial transaction communication link between the mobile communicator and the POS terminal, the NFC financial transaction communication link being operative to communicate NFC data for use in a financial transaction, a non-NFC financial transaction communication link between the mobile communicator and the POS terminal, the non-NFC financial transaction communication link being operative to communicate non-NFC data for use in the financial transaction, and a transaction effector operative to complete the financial transaction using both the NFC data communicated directly between the mobile communicator and the POS terminal over the NFC financial transaction communication link and the non-NFC data communicated directly between the mobile communicator and the POS terminal over the non-NFC financial transaction communication link. | 2013-01-31 |
20130030934 | SYSTEM AND METHOD FOR CREDIT CARD TRANSACTION APPROVAL BASED ON MOBILE SUBSCRIBER TERMINAL LOCATION - A user activity, which may be a credit card transaction or an on-line access, is approved based on the user's location at the time of the transaction or access. If the transaction or access is denied, the user may call or send a text message to the authorizing entity to permit the authorizing entity to determine the user's location. Then, the authorizing entity transmits a request to locate the user and receives location data indicating the location of the user in response thereto. If the user location is within a predetermined proximity to the location of the user activity, the user activity is authorized. | 2013-01-31 |
20130030935 | Method for distributing media content - A method for distributing media content in which a distribution platform within a telecommunications network is used to promote future content releases to consumers and to distribute the content to their remote terminals as streams or downloads, provided that consumers and/or advertisers aggregately commit enough revenue to meet a predetermined revenue target, the meeting of which is a prerequisite for distribution. | 2013-01-31 |
20130030936 | SYSTEMS AND METHODS FOR GENERATING AND USING A DIGITAL PASS - A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass. | 2013-01-31 |
20130030937 | SYSTEMS AND METHODS FOR NETWORK COMMERCE - A method and system in which a profile associated with a profile owner is created, wherein at least a portion of the profile is not publicly accessible. A service request associated with the profile is created. A clearance request is received from a vendor, the clearance request containing clearance request data. The clearance request data is transmitted to the profile owner. A response associated with the clearance request data is received from the profile owner. The vendor is permitted to access the portion of the profile that is not publicly accessible when the response grants access permission to the vendor; and the vendor is restricted from access to the portion of the profile that is not publicly accessible when the response denies access permission to the vendor. | 2013-01-31 |
20130030938 | Methods, systems and devices for packet watermarking and efficient provisioning of bandwidth - Disclosed herein are methods and systems for transmitting streams of data. The present invention also relates to generating packet watermarks and packet watermark keys. The present invention also relates to a computerized system for packaging data for transmission to a user. The system may utilize computer code to generate a bandwidth rights certificate that may include: at least one cryptographic credential; routing information for the transmission; and, optionally, a digital signature of a certificate owner; a unique identification code of a certificate owner; a certificate validity period; and pricing information for use of bandwidth. The present invention also relates to an electronic method and system for purchasing good and services by establishing an account whereby a customer is credited with a predetermined amount of bandwidth usage, and then charges are assessed against the account in an amount of bandwidth usage which corresponds to the agreed upon purchase value for the selected item. | 2013-01-31 |
20130030939 | DYNAMIC CONTENT FOR ONLINE TRANSACTIONS - Various methods and systems are disclosed to provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network. | 2013-01-31 |
20130030940 | BUSINESS MODEL FOR PROVIDING PORTAL SERVICE BASED SERVICE OVERLAY NETWORK - A service overlay network (SON) service providing apparatus and method are provided. According to an embodiment of the present invention, the SON service providing apparatus is entrusted with element services from an element service provider, sells the entrusted element services to a composite service developer so as to enable the composite service developer to use the element services. In addition, the SON service providing apparatus receives a composite service developed by the composite service developer, and provides the composite service in response to a request from a service user. | 2013-01-31 |
20130030941 | METHOD OF PROVIDING CASH AND CASH EQUIVALENT FOR ELECTRONIC TRANSACTIONS - A system for peer-to-peer commerce includes electronic wallets | 2013-01-31 |
20130030942 | USED ITEM AUCTION METHOD AND SYSTEM USING ITEM TRANSACTION INFORMATION - The present invention relates to a method and system for selling and buying items at auction using information about the purchase of items via an online shopping mall website. In order to sell and buy used items, a used item seller does not need to separately provide pieces of information about used items, and can perform a transaction for the used item using only a minimum number of inputs or actions, thus saving temporal and material costs caused by the disposal of used items. As a result, the present invention can offer convenience to the sellers of used items and can allow the buyers of used items to reasonably fix the states or prices of their desired used items and purchase relevant used items. | 2013-01-31 |
20130030943 | MANAGING CONSISTENT INTERFACES FOR A CUSTOMER REQUIREMENT BUSINESS OBJECT ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a customer requirement business object. | 2013-01-31 |
20130030944 | SYSTEM AND METHOD FOR TAILORING FOOD OR BEVERAGE PRODUCTS TO CONSUMER REQUIREMENTS - The invention provides a a method for tailoring food and/or beverage products to consumer requirements, comprising the steps of providing to a target person a set of a plurality of different food product samples of the same food product category, each product sample having at least two organoleptic properties, and the food product samples differing from each other with regard to at least one organoleptic property, wherein each organoleptic property is present, preferably in differing strengths, in at least two food product samples, receiving liking values representing a liking for the consumed product samples from the target person, via a first communication interface designed for electronic communication, and computing a target person-specific prioritization ranking as to the organoleptic properties by a computing system, functionally connected to the first communication interface preferably via a network and designed for computing the prioritization ranking, the prioritization ranking being compiled by computing, for each of the organoleptic properties, a liking score for the corresponding organoleptic property, the liking score having contributions from liking values of at least two different food product samples consumed by the same target person. | 2013-01-31 |
20130030945 | Method for Gifting Via Online Stores - Methods, systems, and associated software for facilitating gifting via online transactions. A method for buying and delivering a gift from an online store is divided into three distinct processes. First, a gift giver selects one or more gift items from the online store and purchases a gift certificate including gift redeeming information used for redeeming the gift item(s). Second, the gift giver transfers the gift redeeming information to a gift recipient of choice. Third, the gift recipient redeems the gift items based on the gift redeeming information received. The gift recipient also is enabled to provide delivery information during the redemption processes, thereby ensuring the redeemed gift(s) is/are delivered to a correct and preferred location. Meanwhile, the gift giver does not need to know the gift recipient's exact delivery information. | 2013-01-31 |
20130030946 | Creation of Customized Objects for Pet Products Purchased In-Store and/or Online - A method of providing user customization of a retractable pet leash is provided. The method includes verifying user-provided access code information using a processor that receives the user-provided access code information over the Internet. An image is received from the user after the user-provided access code information is verified using the processor. The image is processed using image processing module according to a specification corresponding to dimensions of the retractable pet leash forming a processed image. A customized object is provided by printing the processed image. | 2013-01-31 |
20130030947 | NETWORK STRUCTURE AND METHOD OF ITS USE FOR DISTRIBUTING AND MAINTAINING PROVISIONING INFORMATION BETWEEN A NETWORK MARKETPLACE AND ONE OR MORE VENDORS FOR THE PURPOSE OF REGISTERING, INSTALLING AND CONFIGURING SOLUTIONS AND PRODUCTS - Disclosed is a method and structure for provisioning information within a network which employs an intermediary, such as an intermediary provisioning server, to automatically distribute and maintain provisioning information between network components such as marketplace and vendor server computers and customers. | 2013-01-31 |
20130030948 | TECHNICAL SUPPORT AGENT AND TECHNICAL SUPPORT SERVICE DELIVERY PLATFORM - An embodiment of a method for providing technical support service includes generating a plurality of problem resolutions that are determined to resolve an identified technical problem; attributing weights to each of said plurality of problem resolutions according to frequency of use; and in response to a request to resolve said identified problem, selecting a problem resolution from among said plurality of problem resolutions based at least in part on said attributed weights. | 2013-01-31 |
20130030949 | COMMUNITY BASED NETWORK SHOPPING - A system receives item data corresponding to an item list from a user. The item list may include one or more items. The system communicates the item list to a community group associated with the user and the system then receives member data from one or more members of the community group, wherein the member data is associated with the one or more items on the item list. | 2013-01-31 |
20130030950 | PROVIDING SOCIAL PRODUCT RECOMMENDATIONS - Providing social product recommendations is disclosed, including: determining product information of interest to a target user; retrieving a plurality of product reviews associated with the product information of interest, wherein the plurality of product reviews is generated by a plurality of reviewer users; determining evaluation values corresponding to the plurality of product reviews; determining friendship dimension values between the plurality of reviewer users and the target user; and determining a recommendation value for a product associated with the plurality of product reviews based on one or more evaluation values corresponding to the product and weights associated with the one or more evaluation values, wherein the weights are determined based at least in part on friendship dimension values corresponding to those of the plurality of reviewer users associated with those of the plurality of product reviews associated with the product. | 2013-01-31 |
20130030951 | SYSTEM AND METHOD FOR TAILORING FOOD OR BEVERAGE PRODUCTS TO CONSUMER REQUIREMENTS - A method for tailoring food and/or beverage products to consumer requirements, comprises providing to a target person a set of different food product samples of the same food product category, each product sample having at least two organoleptic properties, and the food product samples differing from each other with regard to at least one organoleptic property, wherein each organoleptic property is present in at least two food product samples; receiving liking values representing a liking for the consumed product samples from the target person, via a first communication interface designed for electronic communication; and computing a target person-specific prioritization ranking as to the organoleptic properties by a computing system, functionally connected to the first communication interface and designed for computing the prioritization ranking, the prioritization ranking being compiled by computing, for each of the organoleptic properties, a liking score for the corresponding organoleptic property. | 2013-01-31 |
20130030952 | SYSTEM AND METHOD FOR GENERATING AN ALTERNATIVE PRODUCT RECOMMENDATION - A method and system for automatically generating a naturally reading narrative product summary including assertions about a selected product. In one embodiment, the method includes the steps of determining at least one attribute associated with said specific product; selecting an alternative product based on said at least one attribute; and generating a naturally reading narrative including assertions about the specific product and a recommendation of the alternative product. | 2013-01-31 |
20130030953 | Multimedia System for Shopping Process Management - There are problems in retail chains and stores directly affecting the sales volume and business results: —sales items are not visible enough on the store shelves, —other items, matching the ones the customer is looking for, are insufficiently noticed, —there is not enough personalised approach, —customers cannot find adequate items by themselves, —customers have no record of the items bought, especially record of purchases through various retails chains, —customers are reluctant, and—the sales increase potential is not focused on the point of shopping i.e. stores, but rather on Internet sales. Yet, most shopping decisions are made in stores, and not on the Internet. These problems are solved by the multimedia system for shopping process management ( | 2013-01-31 |
20130030954 | Method and apparatus for providing application list - The present disclosure provides a method for providing an application list. The method includes: a mobile terminal records and processes information on a user's usage of third party applications to obtain history data about the third party applications, matches the history data about the third party applications with application information in a database of an application store, forms a third party application selection list from the matched result, and pushes the content of the third party application selection list to a display interface of the application store on the mobile terminal. An apparatus for providing an application list is also provided. The method and the apparatus can push different third party application selection lists to different users, display the third party applications in which users may be interested to indirectly realize user's customization, enable a user to rapidly choose and purchase the third party applications the user like, improve the purchasing and using ratio of various applications in the application store, and ensure Average Revenue Per User (ARPU) of an operator. | 2013-01-31 |
20130030955 | SCHEDULING OF ORDER PROCESSING FOR REMOTELY ORDERED GOODS - A computer-implemented method for scheduling processing of an order for goods at a provider location obtains an arrival estimate for when a user associated with the order is expected to arrive at the provider location and uses the arrival estimate to schedule processing of the order. Processing may be scheduled so that completion of order processing is expected to substantially coincide with arrival of the user at the provider location. The method may also obtain an order completion estimate for when processing of the order is expected to be completed and use both the arrival estimate and the order completion estimate to schedule processing of the order. The method may update one or both of the arrival estimate and the order completion estimate. The method may be executed by a networked mobile wireless telecommunication computing device of the user, or by a data processing system associated with the provider. | 2013-01-31 |
20130030956 | CONTENT OPEN LICENSING SYSTEM FOR APPLICATION STORE AND METHOD THEREOF - The present invention relates to a content open licensing system for an application store which is included in or is linked to an application store and a method thereof, and more particularly to an open type licensing system and a method thereof which sells an application through the application store and can distribute profit to a copyright holder and a program developer after the program developer for developing the application for the application store easily obtains a license for content copyright (including a portrait right) of a character and the like to be used for the application and develops the application. The content open licensing system of the present invention which is included in or is linked to the application store provides a user interface through which a content copyright holder uploads content works and can input images and explanations related thereto and comprises: a means for permitting a content license through which the content copyright holder can input his content licensing permission conditions; a searching means for searching the registered content licensing substances; a licensing purchase request means through which the program developer obtains the license for the contents; a license management means for managing the contracted license; a means for determining compliance of contract conditions which determines whether the application of the developer complies with the licensing permission conditions; an application management means for managing the developed application; a means for calculating and balancing a profit distribution amount which distributes a profit amount due to the application to the content copyright holder and the developer; a licensing expiration date calculation means for calculating and reporting the licensing expiration date; and a storing means for storing identifiers of the content copyright holder and the contents and identifiers of the developer having the license for the contents and the application of the developer corresponding to the identifiers of the content copyright holder and the contents. | 2013-01-31 |
20130030957 | Purchaser centered, product driven world wide web searching and e-commerce system - Aspects of this invention disclose a system for providing a purchaser specified product search engine, including providing storage circuitry comprising a database of products, storing product data in the database, receiving from a prospective product purchaser, product data of a desired product to purchase, accessing the database of products and comparing the product data to product data in the database, and determining a probability that the product data matches product data stored in the database. Other aspects may include a data processing apparatus providing a purchaser specified product search engine, including storage circuitry comprising a database of product data, processing circuitry configured to receive purchaser specified product search inquiry data, accessing the database of product data, and comparing the purchaser specified product search inquiry data to the product data; and determining a probability that the prospective purchaser product data matches the product data stored in the database. | 2013-01-31 |
20130030958 | SYSTEM AND METHOD FOR CLOSED LOOP PURCHASE ORDER COMPLIANCE MANAGEMENT - A system and method are provided for using an optimized order plan including freight allowance and expense per shipment. Further, an notification of non-compliance is sent to purchasing when purchasing attempts to initiate an order outside of the optimized order plan. Additionally, a compliance reporting system reports the actual shipping results as compared with the optimized order plan. | 2013-01-31 |
20130030959 | Real Time Online Searching - An apparatus for real-time online search processing for a user over inter-connected computer networks uses a request and a push signal, otherwise known as a “Ping”. These two items allow the system to deliver advertisements to the end user without requiring personal information from the use. The Request form allows the user to detail what they are looking for and the system repeatedly runs a search looking only for new postings. The system does not require or obtain personal information. The system provides in effect a “set-and-forget” function. | 2013-01-31 |
20130030960 | ALTERNATIVE DATA PLANS - A method is presented that enables the creation of an alternative data plan by third party enterprises for mobile network end users. The method includes purchasing data transport bundles from one or more network service providers through an exchange, and either alone or with other enterprises, developing the alternative data plan for offer to end-users to consume data transport from the data transport bundle or bundles. The alternative data plan may be offered to the end user for free or the end user may be charged for use of the ADP based on the number of transactions, file type. The ADP may be billed to the user by the network provider or the ADP may be pre-purchased from the creator of the ADP. | 2013-01-31 |
20130030961 | Image Capture and Identification System and Process - A digital image of the object is captured and the object is recognized from plurality of objects in a database. An information address corresponding to the object is then used to access information and initiate communication pertinent to the object. | 2013-01-31 |
20130030962 | MANAGING CONSISTENT INTERFACES FOR AN ACCOUNTING DATA COLLECTION FOR LEGAL REPORTING BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to an accounting data collection for legal reporting business object. | 2013-01-31 |
20130030963 | MANAGING CONSISTENT INTERFACES FOR FINANCIAL BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a financial plan, a financials notification, a bank directory entry file and/or a direct debit mandate business object. | 2013-01-31 |
20130030964 | LOCATION-BASED PAYER CHARGING SYSTEM - A location-based payer charging system includes a charging database including at least one transportation charge element associated with a transportation provider. A system provider device in the location-based payer charging system is coupled to a network and the charging database. The system provider device is operable to receive first location data from a payer device over the network in response to the payer device entering a first transportation area, and then receive second location data from the payer device over the network in response to the payer device exiting a second transportation area. The system provider device will then determine a payment amount using the first location data, the second location data, and a transportation charge element retrieved from the charging data, and send an instruction to charge the payment amount to a payer account that is associated with the payer device. | 2013-01-31 |
20130030965 | LOCATION-BASED PAYER CHARGING SYSTEM - A method for charging a payer includes detecting a payer device, which is associated with a payer account, entering an event area. The payer device is then associated with an event invoice in a database. When the payer device is determined to have been involved in at least one payer charging event while being located in the event area, a charge is associated with the event invoice in the database for each payer charging event the payer device has been involved in. When the payer device is detected leaving the event area, a payment is charged to the payer account for the event invoice. | 2013-01-31 |
20130030966 | SYSTEMS AND METHODS FOR GENERATING AND USING A DIGITAL PASS - A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass. | 2013-01-31 |
20130030967 | MANAGING CONSISTENT INTERFACES FOR FOREIGN TRADE PRODUCT CLASSIFICATION, SUPPLIER INVOICE BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a foreign trade product classification business object and a supplier invoice business object. | 2013-01-31 |
20130030968 | BILLING MANAGEMENT SYSTEM AND BILLING MANAGEMENT METHOD - A billing management system includes an image forming device that forms an image, a reading device that reads identification information from an information recording medium that stores the identification information identifying a user of the image forming device, a billing condition management device that manages, in an associated state, the identification information and a billing condition, and a billing information transmitting unit that references the identification information and the billing condition, managed by the billing condition management device, and transmits billing information in accordance with the billing condition corresponding to the identification information read by the reading device. | 2013-01-31 |
20130030969 | Method and System for Integrating Event Processes in Investment Banking and Custody Lines of Business - A method and system for integration of corporate action event processing by multiple LOBs in a capital market is disclosed. The method of the present invention enables identification of common and distinct functionalities/behaviors of each of the IB and custodian LOBs dealing with the processing of the corporate action events. Based on the nature of the received event, the analysis is done to determine whether the received event is meant for Investment Bank (IB) LOB or Custodian LOB. As a result of the determination, the details related to the said event processed by either IB LOB or custodian LOB is displayed to the user on a single user interface module configured to display the details of the corporation events handled by both of the LOBs, i.e. IB LOB and Custodian LOB. | 2013-01-31 |
20130030970 | Method and System for STP Linking the Variances in Corporation Action Events Received from Multiple Agents - A method and system for automatic linking of variances captured from plurality of agents or counterparties related to a composite market event from a capital market is disclosed. The method of the present invention enables a creation of golden copy for each of the corporate action event. Based on the matching criteria for each of the corporate action event with the multiple variable data received from the agent/counterparties, the agent variable data is attached to the golden copy created for each event using straight-through processing (STP). As a result of the STP linkage of agent variable events with the golden copy of the event, the agent/counterparty variable information and market composite information for the event is displayed on the single screen to the user. | 2013-01-31 |
20130030971 | SYSTEMS AND METHODS FOR ALLOCATING FUNDS BETWEEN MULTIPLE BANKING PRODUCTS - An allocation of funds to multiple accounts is determined. Information about financial transactions is received from multiple sources, and the information is aggregated to determine a total amount of allocatable funds. The allocatable funds include posted interest either before or after a term deposit payment date. Respective deposit rules are determined for each of the multiple accounts. The multiple accounts include sub-accounts at the same bank, and the deposit rules include a limit based on FDIC insurance. The allocation of the allocatable funds to the multiple accounts is determined based on a priority hierarchy set to the multiple accounts. Funds are allocated such that each account or sub-account in the priority hierarchy is filled to its respective limit according to the respective deposit rules until the total amount of allocatable funds is allocated. | 2013-01-31 |
20130030972 | REAL TIME ACCOUNT UPDATE - A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant or a financial service provider, the merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. | 2013-01-31 |
20130030973 | FUND TRANSFER INFORMATION PRESENTATION SYSTEM - A fund transfer information presentation system and method capable of suitably tracking deposit asset trends for a client in order to maintain and strengthen reliable and efficient financing capability which is the source of maximum profit for a bank required for securing management gains for not only the conventional asset-side but also for the liability-side. Transaction histories within a period specified by parameters are subject to name identification by client and chronologically ordered. Thereafter, they are separated into deposits and withdrawals, wherein the deposit and withdrawal transactions are split into ranges wherein individual transaction amounts match and matching transactions are associated one-to-one, and the one-to-one correspondences of the deposit and withdrawal transactions are arranged in order of time of occurrence to generate Fund transfer details between products by client. | 2013-01-31 |
20130030974 | DEVICE AND METHOD FOR AUTOMATICALLY ALLOCATING AND TRANSFERRING FUNDS IN AN ACCOUNT - A device including a processor which automatically allocates and transfers funds in a sweep account between a primary on-balance demand account and one or more off-balance accounts in a manner which assists the bank in maintaining an optimal liquidity profile and capital structure. The device is adapted to prepare and analyze current data pertaining to the liquidity profile and capital structure of a bank and compare this data to predetermined reference values stored in data storage means of the device. The device has an allocation unit which utilizes an algorithm in order to allocate an amount of funds to transfer between an on-balance account and one or more off-balance accounts which will provide an optimal liquidity profile and capital structure for the bank. | 2013-01-31 |
20130030975 | SYSTEMS & METHODS FOR EVALUATION OF ARTICLES OF COMMERCE - The invention is directed to systems and methods for indicating volatility adjusted price information for at least one article of commerce or market therefore, and various tools for providing valuation indicators for both current and historical price activity in terms of valuation rather than absolute price. The invention provides users indicators which quantify the degree in which a market is currently trading at fair value, overvalued or undervalued conditions using enhanced tools. | 2013-01-31 |
20130030976 | SYSTEMS AND METHODS FOR PRICE EVALUATION OF ARTICLES OF COMMERCE - The invention is directed to systems and methods for indicating volatility adjusted price information for at least one article of commerce or market therefore, and various tools for providing valuation indicators for both current and historical price activity in terms of valuation rather than absolute price. The invention provides users indicators which quantify the degree in which a market is currently trading at fair value, overvalued or undervalued conditions using enhanced tools. | 2013-01-31 |
20130030977 | System and Method for Improved Distribution of Market Information - A data distribution system and method are described herein to improve the distribution of market information to subscribing client devices. Market information updates are provided to subscribing devices over a communication link every time a change in the market occurs. If a bandwidth limitation is reached on the communication link, the preferred embodiments switch to a second mode of transmission such that the market information updates are provided only at predetermined intervals. The preferred embodiment monitors the bandwidth consumption to determine what mode of transmission to apply, and in response, it can dynamically change between modes of transmission. By dynamically adjusting the mode of transmission to comport with the current network bandwidth, the preferred embodiments may provide a network friendly, data intensive, and fast response market information feed. | 2013-01-31 |
20130030978 | METHOD AND SYSTEM FOR SECURITIZING A CURRENCY RELATED COMMODITY - Systems and methods for providing a tradable (e.g., exchange-listed) instrument by securitizing foreign currency using a foreign currency trust or other special-purpose vehicle that is established to hold one or more particular foreign currency and to issue foreign currency trust shares and/or receipts corresponding to the value of the foreign currency(s) held by the Trust. The foreign currency trust shares may represent a proportional interest in the Trust and/or the foreign currency held by the trust. The Trust may include one or more Trust accounts to receive and store the foreign currency deposited with the Trust. The Trust can operate to receive an investment amount in a first currency and provide shares or Trust receipts having a value in a second currency. The shares or receipts of the trust can be listed, quoted, and traded on a trading system. | 2013-01-31 |
20130030979 | METHOD AND APPARATUS FOR DISPLAYING MARKET DEPTH AND OTHER INFORMATION ON A MOBILE PHONE, HANDHELD DEVICE, OR COMPUTER SYSTEM - An exemplary system according to the present disclosure comprises a server system (comprising one or more computing devices) that is in communication with one or more financial exchange systems and one or more data source computer devices (e.g., news sources). Also in communication with the server system are one or more mobile communication devices. The server system comprises a memory and a processor executing software that enables the server system to receive live market data and information from one or more of the financial exchange systems and the data source computer devices; aggregate and filter the data and information; according to one or more pre-set user preferences and/or one or more user-initiated commands; and transmit the aggregated/filtered data and information to one or more mobile communication devices via one or more live data feeds. The mobile communication device displays aggregated/filtered information in a single, interactive GUI. | 2013-01-31 |
20130030980 | Method and System for Providing Option Spread Indicative Quotes - A computer network and method for electronically trading combinations of derivatives. One preferred method of trading includes providing quotes information to a central server, and determining indicative quotes for combination trades, and providing the non-binding, indicative quotes to market participants (which typically includes subscribers, but may also include market makers). A participant may then submit an e-RFQ, which is a request for a binding quote for the combination of derivatives. Market Makers may then elect to submit a binding quote for the corresponding derivative combination. Market participants may then elect to enter a binding order. | 2013-01-31 |
20130030981 | Stock Market Prediction Using Natural Language Processing - A method of using natural language processing (NLP) techniques to extract information from online news feeds and then using the information so extracted to predict changes in stock prices or volatilities. These predictions can be used to make profitable trading strategies. Company names can be recognized and simple templates describing company actions can be automatically filled using parsing or pattern matching on words in or near the sentence containing the company name. These templates can be clustered into groups which are statistically correlated with changes in the stock prices. The system is composed of two parts: message understanding component that automatically fills in simple templates and a statistical correlation component that tests the correlation of these patterns to increases or decreases in the stock price. The methods can be applied to a broad range of text, including articles in online newspapers such as the Wall Street Journal, financial newsletters, radio & TV transcripts and annual reports. In an enhanced embodiment of the system statistical patterns in Internet usage data and Internet data such as newly released textual information on Web pages are further leveraged. | 2013-01-31 |
20130030982 | Model-Based Selection Of Trade Execution Strategies - Effective selection of trade execution strategies using a multi-dimensional model is disclosed. A relationship exists between order difficulty and execution strategy. Execution strategy depends on order difficulty, and order difficulty has many dimensions. The multi-dimensional model classifies trade orders according to the dimensions, and then maps these classified trade orders into suitable execution strategies. For each trade order, one or more appropriate strategies are automatically selected and presented to the trader to assist the trader in making an informed and timely decision. | 2013-01-31 |
20130030983 | GENERATING OPTIMAL STRATEGY FOR PROVIDING OFFERS - Generating optimal strategies for providing offers to a plurality of customers is described. A plurality of categorical attributes (for example, gender and residential status) and ordinal attributes (for example, risk score and credit line utilization) can be determined. Values of one of more categorical attributes can be changed as per a transition probability table. Some probabilities can be varied to determine a first tradeoff, based on which a first updated strategy can be generated. Further, noise can be added to one or more ordinal attributes. Standard deviation of a noise distribution associated with the noise can be varied so as to determine a second tradeoff, based on which a second updated strategy can be generated. The second updated strategy can be an update of the first updated strategy. Offers can be provided to the plurality of customers in accordance with the second updated strategy. | 2013-01-31 |
20130030984 | CREDIT CARD USAGE MANAGEMENT SYSTEM, CREDIT CARD USAGE MANAGEMENT METHOD, PROGRAM, AND INFORMATION STORAGE MEDIUM - Provided is a credit card usage management system, which allows a credit card to be used to an extent that surpasses a credit limit defined within a fixed period without increasing the credit limit. A credit card usage management device | 2013-01-31 |
20130030985 | SYSTEMS AND METHODS FOR IDENTIFYING ITEMS OF COLLATERAL AVAILABLE TO A CONSUMER PURSUANT TO PRE-QUALIFIED FINANCE TERMS THAT ARE CONSISTENT WITH CONSUMER SPECIFIED PAYMENT CRITERIA - Customers are provided with item search results that take into account both item specifications submitted by the customer and payment specifications submitted by the customer, where satisfaction of the payment specifications includes identifying finance programs for which the customer is pre-qualified and that are available for given items. | 2013-01-31 |
20130030986 | SYSTEMS AND METHODS FOR OFFLINE DELIVERY OF CONTENT AVAILABLE IN VOICE APPLICATIONS - Methods and arrangements for facilitating offline delivery of content available in voice applications. User access to a voice application is permitted, and the user is accorded a capability to select content in the voice application for offline delivery. The selected content is stored in a holding arrangement, and the selected content is availed for delivery to the user. | 2013-01-31 |
20130030987 | Paid Profile Personalization - In one embodiment, a system includes one or more computing systems that implement a social networking environment and are operable to provide paid profile personalization functions to users. In particular embodiments, the user may select one or more social networking objects to replace advertisements or other elements that are normally displayed to visitors of the user's profile page that are otherwise controlled by the social networking system. In particular embodiments, the user may edit elements on their profile page that are otherwise automatically generated and controlled in design and content by the social networking system. In particular embodiments, the user is billed on a recurring basis for profile personalization. | 2013-01-31 |
20130030988 | CHARITABLE DONATION OF PROCEEDS FROM RECYCLING ACTIVITY - Embodiments of the invention enable an organization to nominate itself to receive proceeds from consumer recycling activity. For example, some embodiments enable an organization to request that an account be established to which proceeds from recycling activity are to be directed. Upon the account being established, the organization may be provided with a set of receptacles (e.g., beverage container collection bags), which the organization may hand out to potential donors. Each receptacle may include an identifier that allows the account to be identified. Donors may collect recyclable beverage containers in his/her receptacle over time, and bring the receptacle to a return center when it becomes full, at a designated time (e.g., to meet a suggested deadline set by the organization), or at any other suitable time. The recyclable containers in the receptacle may be processed, and a value to be provided in exchange for the containers may be determined. Some or all of that value may be deposited to the organization's account, rather than being provided to the consumer. | 2013-01-31 |
20130030989 | ELECTRONIC CREDENTIALS VERIFICATION AND MANAGEMENT SYSTEM - A credentials record system that captures personnel background data, such as license information, education and training, work experience, performance data and electronic signature at the time of entry using graphical user interfaces through a network, wherein it permits instant, sophisticated analysis of background data to identify relationships among the data, including archived data and includes the capability to access reference databases for consultation regarding verification of data for accuracy on a continuous basis. The system also provides for an automated auditing process to ensure data integrity and includes the capability to incorporate legacy data, such as paper files and mainframe data, for each personnel record. | 2013-01-31 |
20130030990 | Method of preventing disaster induced data loss - A cost effective method of preventing disaster induced data loss in digital data storage devices without requiring the use of a data backup service is provided. A fire resistant and water resistant digital data storage device is sold by a manufacturer to a customer wherein the customer pays an upfront payment competitive with the cost of a digital data storage device that is not fire or water resistant. A portion of the purchase price is allocated to monthly payments to be paid by the customer to the manufacturer for a data recovery service if the device is damaged by fire or water; monthly payments for the recovery service being competitive with the cost of a backup service. | 2013-01-31 |
20130030991 | TELECOMMUNICATIONS INITIATED PAY PER CHARGE SYSTEM - A system and method for recharging a battery of a mobile device for a fee authorized by a financial account control server can include a battery recharging station having at least one recharging connection for a mobile device. The battery recharging station can be in communication with an electronic data connection for selective activation and deactivation of power supplied to the at least one recharging connection for recharging a battery of a mobile device. A recharging service control server can be operable to remotely control activation and deactivation of power supplied to the at least one recharging connection located at the battery recharging station through the electronic data connection in response to receipt of communication from the financial account control server regarding validation and acceptance of payment by a user of the battery recharging station. | 2013-01-31 |
20130030992 | Automatic Savings Program - A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person. | 2013-01-31 |
20130030993 | SYSTEMS AND METHODS FOR MANAGING RISK IN BANKING TRANSACTIONS - Systems and methods of monitoring the risk exposure to a financial institution comprising the steps of receiving transaction data associated with an underlying financial transaction involving an account maintained at a financial institution and an originator of the underlying financial transaction; comparing the characteristics of the underlying financial transaction with one or more preset risk profile criteria; determining an updated risk exposure rating responsive to the failure of any one of the characteristics associated with the underlying financial transaction to satisfy any one preset criterion of the one or more preset risk profile criteria; and transmitting a notification responsive to the determination of the updated risk exposure rating. | 2013-01-31 |
20130030994 | BUDGET MONITOR, ALERT, AND BILL PAYMENT FACILITATION SYSTEM - A budget monitoring, alerting and bill payment facilitation system retrieves macro-budgeting information associated with a user, where the macro-budgeting information includes a plurality of budget categories each having an associated budget amount corresponding to a macro time period, divides the budget amount corresponding to the macro time period into a plurality of micro budget amounts corresponding to a plurality of micro time periods, and presents, to the user by a mobile device, micro-budgeting information corresponding to at least one of the plurality of micro budget amounts or its corresponding micro time period. In some embodiments, the system retrieves user data, determines the user may be experiencing a life event based on the user data, where the micro-budgeting information is based on the determination that the user may be experiencing a life event, and confirms that the user is experiencing a life event. | 2013-01-31 |
20130030995 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability. | 2013-01-31 |
20130030996 | SYSTEMS AND METHODS FOR BILL PAY WITH CREDIT CARD FUNDING - An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing. | 2013-01-31 |
20130030997 | PORTABLE E-WALLET AND UNIVERSAL CARD - Universal cards are used in place of all the other traditional cards which a person may want to carry. The universal card can include a short range communications transceiver to communicate with a mobile device. The mobile device can include a user interface and an e-wallet application so that the user can interface with the e-wallet application for programming the universal card via the short range communication link. Once programmed, the universal card emulates a function of a traditional card. | 2013-01-31 |
20130030998 | SELF-SERVICE TERMINAL - A self-service terminal comprising: a terminal body defining a transaction fulfillment area, and a terminal head. The terminal head extends from the terminal body and defines a transaction request area transverse to the transaction fulfillment area. The transaction request area and transaction fulfillment area create a customer zone. | 2013-01-31 |
20130030999 | METHOD AND APPARATUS FOR SELECTING DENOMINATIONS IN AN AUTOMATED TELLER MACHINE - A method of selecting denominations in an automated teller machine (ATM) may be provided. The method may include receiving a request for withdrawal from a user, displaying, on a touch screen, symbols corresponding to a plurality of denominations including a first denomination and a second denomination that constitute a withdrawal amount of the user, and a number of banknotes of each of the plurality of denominations, in response to the reception of the request, sensing a touch-based movement gesture from the first denomination to the second denomination, updating a number of banknotes of the first denomination and a number of banknotes of the second denomination, in response to the sensing of the touch-based movement gesture, and displaying, on the touch screen, the updated number of banknotes of the first denomination and the updated number of banknotes of the second denomination along with the symbols corresponding to the plurality of denominations. | 2013-01-31 |
20130031000 | System and Method for Detecting Fraudulent Financial Transactions - An Internet service provider uses virtual machines dedicated to one (or a few) customers to perform transactions on behalf of those customers, where the transactions require sensitive or confidential user authentication data. Each virtual machine only has access to the user authentication data it needs to perform the transactions for its dedicated customers, not authentication data for all the customers of the service provider. Virtual machines are shut clown when not performing transactions or interacting with customers, thus further reducing the risk of disclosure of the confidential user authentication data. | 2013-01-31 |
20130031001 | Method and System for the Location-Based Discovery and Validated Payment of a Service Provider - A method and system for consumers to find service providers is presented. The method and system minimizes the amount of the consumer's time required to find a service provider to provide a desired service. The system employs real-time geolocation information available within mobile devices to increase the efficiency of the process. Either automated or manual two-way communication between consumers and service providers for discovery and payment allows for a quick and easy user experience for all parties involved. | 2013-01-31 |
20130031002 | SYSTEMS AND METHODS FOR GLOBAL TRANSFERS - A global transfers computer system is configured to facilitate global transfers for customers having a plurality of accounts with different entities in different countries. The global transfer may be a foreign exchange (FX) transfer or a non-FX transfer. The global transfers computer system includes a customer database, a user interface, and at least one computer implementing a global customer data computer application, a global transfers computer application, and/or a foreign exchange computer application. Various embodiments are described, including a computer implemented method for performing global transfers using a global transfers computer system. | 2013-01-31 |
20130031003 | Payment methods with a payment service and tabs selected by a first party and opened by a second party at any geographic location of the first party's mobile device - A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The second parties (i) have an association with the payment service, and (ii) if they do not have an established association with the payment service have established one 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 second party at any geographic location of a first party's mobile device. The 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, payment service and second party. The second party can engage in a financial transaction when the first party is within the defined geographic area. | 2013-01-31 |
20130031004 | Payment methods with a payment service and tabs selected by a first party and opened by a second party at any geographic location of the first partys mobile device - A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The second parties (i) have an association with the payment service, and (ii) that if they do not have an established association with the payment service have established one 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 second party at any geographic location of a first party's mobile device. The 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 second party. The second party can engage in a financial transaction when the first party is within the defined geographic area. | 2013-01-31 |
20130031005 | METHOD FOR SECURE TRANSACTIONS UTILIZING PHYSICALLY SEPARATED COMPUTERS - A secure transaction method involves establishing an electronically accessible verification site authorized by the holder of a credit or debit card, and accessing the verification site by a merchant to determine whether a request for goods or services is authorized. The request for goods or services is based upon the use of the credit or debit card, but the card is not physically presented. The verification site is an electronic mail account which may be established by the merchant, card holder or other authorized person or entity. An authorization message is preferably sent from the site to the merchant in response to the step of accessing the verification site by the merchant. The verification site may also be wirelessly accessible, enabling an authorization message to be delivered through a cellular telephone, personal digital assistant, or other mobile device. | 2013-01-31 |
20130031006 | PASSING PAYMENT TOKENS THROUGH AN HOP / SOP - Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase. | 2013-01-31 |
20130031007 | LATENCY LOCATOR - A method for capturing data packets sent on a network for evaluating response time performance, the network including a financial institution and a partner bank. The method includes associating a captured data packet sent to the partner bank with a captured data packet received from the partner bank, by comparing at least one coded field of a data portion of the captured data packet sent to the partner bank with at least one coded field of a captured data portion of the data packet received from the partner bank. The method also includes measuring a response time of the associated data packet received from the partner bank, relative to a transmission time of the captured data packet sent to the partner bank. | 2013-01-31 |
20130031008 | AUTHENTICATING ELECTRONIC FINANCIAL TRANSACTIONS - To improve security and simplify financial transactions in electronic communications environments, a cryptographic Private Key is securely stored in a storage device of a user. A Public Key Certificate corresponding to the Private Key is also created and can be stored in an online repository for merchant access. The Public Key Certificate identifies a payment card of the user, and is signed by or on behalf of a financial institution issuing the payment card. When initiating a payment card transaction with a merchant, a data item is signed using the Private Key. The signed data item and the Public Key Certificate are conveyed to the merchant, which enables the merchant to authenticate the transaction without needing to communicate with the user's financial institution, and while avoiding the inconvenience and privacy issues associated with obtaining other card details and user details. | 2013-01-31 |
20130031009 | AD-HOC CASH DISPENSING NETWORK - An ad-hoc cash-dispensing network that allows users to efficiently exchange cash is provided. The ad-hoc cash-dispensing network includes a cash-dispensing server, a network, and a plurality of client terminals that connect to the cash-dispending server through the network. The user of a client terminal sends a request for cash to the cash-dispensing server. The request for cash includes the location of the client terminal. Based on this location, the cash-dispensing server locates one or more other users that are close/proximate to the requesting user and verifies that at least one of these proximate users is willing and able to provide the requested amount of cash. Following the transfer of cash between the parties, the requesting user's account is charged for the service while the providing user's account is credited for the service. | 2013-01-31 |
20130031010 | METHOD & APPARATUS FOR CONFIGURING A REMOTE PRODUCT MANAGEMENT SERVICE - A product source site, a VAR site and a customer site are connected to a communications network. A mobile communications device is sold by a VAR to the customer, and the VAR notifies the customer of a product origination code (POC) that is unique to the product source and to each VAR that sells products to the customer. The customer uses the POC to activate a software client that can be used to both control a product unit and to register the product unit with the remote product monitoring and management service. The remote product monitoring and management service can be configured to create a data base record that corresponds to the POC that can be used to store product operational information that is gather from the customers product by the remote product monitoring and management service. | 2013-01-31 |
20130031011 | Building Rating System - Information contained in the building/property reports and assessments are long, terminology is difficult to understand and content is hard to access or manipulate. Traditional approaches to building inspection and assessment of value are insufficient and do not encompass all factors now relevant. These additional factors include measurements, testing and inspection of a building's energy efficiency and environmental health/safety as it relates to inhabitants of the property. This new information, plus the traditional inspection information and appraisal data will provide a complete valuation of a home or building and its overall impact on inhabitants. All data can be collected, assigned numerical values, and a weighted scoring system can be developed that is accurate, understandable and accessible. The information, scores and indexes can be stored, managed, presented and shared in a fast, unique and relevant manner for stakeholders to see and use to benefit themselves and the marketplace. | 2013-01-31 |
20130031012 | System and Method for Compliance Reporting - A method and apparatus for monitoring compliance with jurisdictional regulations. In one aspect, the invention relates to a system for monitoring compliance with jurisdictional regulations. In one embodiment, the system includes a server including a reporting program; a database in communication with the server; and a client device in communication with the server and comprising an input device. In another aspect, the invention relates to a method of monitoring compliance with jurisdictional regulations. In one embodiment, the method includes the steps of: inspecting a location for compliance; entering inspection compliance information using a client input device in communication with a server, the server comprising a database and a reporting program and the database comprising reporting data and location data; executing on the server the reporting program; and automatically communicating compliance reports to a jurisdictional authority in response to reporting data and location data in the database. | 2013-01-31 |
20130031013 | METHOD AND SYSTEM FOR AUTOMATICALLY IDENTIFYING OPTIMAL MEETING LOCATIONS - A method and system for automatically identifying optimal meeting locations. The method includes receiving a plurality of meeting parameters associated with one or more participants. The method also includes identifying a list of optimal meeting locations relevant to one or more of the plurality of meeting parameters. The method further includes ranking the list of optimal meeting locations. Further, the method includes enabling a user to select an optimal meeting location from the list of optimal meeting locations. The system includes one or more electronic devices and a user electronic device. The user electronic device includes a communication interface, a memory, and a processor. | 2013-01-31 |
20130031014 | MANAGING CONSISTENT INTERFACES FOR EMPLOYEE DATA REPLICATION BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to an employee master data replication request and/or an organisational centre replication request business object. | 2013-01-31 |
20130031015 | Attribute Scoring System and Methods - Systems and methods for collecting data from one or more scoring candidates, storing such data in a database, and transforming such data using various techniques and software modules to generate a personal tracking and development score that determines an individual's proficiency for skills that are mapped to a job profile are depicted. Users may be ranked or compared against each other with similar units of measure. An attribute score may be used as a benefit for career development similar to the benefit a credit score may provide in assessing a user's financial records. | 2013-01-31 |
20130031016 | SYSTEM FOR POSTING PROFILES OF ANONYMOUS INDIVIDUALS AND FOR ENABLING POTENTIAL EMPLOYERS TO DISCOVER AND TO COMMUNICATE WITH THE ANONYMOUS INDIVIDUALS - A website and method are disclosed for helping an anonymous individual to publicly disclose anonymous information about the anonymous individual so as to facilitate discovery of the anonymous individual by potential employers interested in hiring the anonymous individual. The website and method reduce risk to the anonymous individual of negative consequences of public disclosure of information about the anonymous individual. The website and method also inherently encourage disclosure to potential employers of more comprehensive information about the anonymous individual. The website includes a profile input capability for use by an anonymous individual to create a profile having anonymous information about the anonymous individual; a profile presentation capability for use by potential employers to view and select profiles of anonymous individuals; and a communication capability for potential employers to communicate with a selected anonymous individual so as to preserve the anonymity of the selected anonymous individual. | 2013-01-31 |
20130031017 | SYSTEM AND METHOD FOR SIMULTANEOUS OPTIMIZATION OF LOGISTICS AND PURCHASING - A system and method that provides optimization of order and routing patterns that solves for optimal freight margin, not just freight cost. The optimization includes freight allowance information typically varying by item that is used to determine ordering and routing solutions. The solutions thus are based on freight impact to total landed product cost, not just load freight costs. Optimization results are then translated into performance targets based on freight margin, not just freight expense. | 2013-01-31 |
20130031018 | METHOD AND ARRANGEMENT FOR MONITORING COMPANIES - Method and arrangement for matching of enterprises and detection of changes for an enterprise by the use of mathematical models that make it possible to match and find similarities between enterprises and also discover changes in an enterprise. The method uses mathematical representation models for enterprises and is suited to make a large number of comparisons automatically. The characteristics of the enterprises are represented by different vectors ( | 2013-01-31 |
20130031019 | System of Sequential Kernel Regression Modeling for Forecasting Financial Data - A monitoring system for determining the future behavior of a financial system includes an empirical model to receive reference data that indicates the normal behavior of the system and input pattern arrays. Each input pattern array has a plurality of input vectors, while each input vector represents a time point and has input values representing a plurality of parameters indicating the current condition of the system. The model generates estimate values based on a calculation that uses an input pattern array and the reference data to determine a similarity measure between the input values and reference data. The estimate values, in the form of an estimate matrix, include at least one estimate vector of inferred estimate values, and represents at least one time point that is not represented by the input vectors. The inferred estimate values are used to determine a future behavior of the financial system. | 2013-01-31 |
20130031020 | MARGIN AS CREDIT ENHANCEMENT CONTRACTS - Systems and methods are provided for implementing risk retention programs for originators and securitizers of asset backed securities. An administrative contract identified as a margin as credit enhancement contract is created for a corresponding asset backed security. A risk retention entity is assigned a long position for the margin as credit enhancement contract corresponding to a predetermined percentage of the asset backed security. A buyer of the asset backed security is assigned a short position for the margin as credit enhancement contract. When the asset backed security expires, a computer device settles the long and short positions of the margin as credit enhancement contract. | 2013-01-31 |
20130031021 | METHOD AND SYSTEM FOR ANALYZING INVESTMENTS AND INVESTMENT PLANS AND RISKS AND RELATED BUSINESSES WITH DYNAMIC DECISION MAKING - Systems, methods and computer program products for analyzing stochastic characteristics, including one or more subsystem for forecasting financial statements and financial ratios' probability distributions and configured for at least one of: analyzing insurance contracts and portfolios without simplifying contract and product terms and conditions; studying and illustrating financial statement probability distributions; analyzing insurance portfolios by creating net asset value distributions thereof without deterministic assumptions; modeling to support asset and liability management, wherein both assets and liabilities are simulated simultaneously and decisions are based on joint probability distributions thereof; and modeling to study effects of model specification changes by implementing new model definitions and by rerunning the model with constant random number generator seed. | 2013-01-31 |
20130031022 | GENERATING UPDATED DATA FROM EXTREME HETEROGENEOUS DATA - Systems, methods and apparatus are provided through which in some implementations a method of calculating risk of a financial asset by using performance data on past returns, include over-weighting high and low performance periods in the financial asset performance data, and generating an instability estimator of a risk statistic of the financial asset performance data in reference to the over-weighted high and low performance periods. | 2013-01-31 |
20130031023 | GENERATING UPDATED DATA FROM INTERRELATED HETEROGENEOUS DATA - Systems, methods and apparatus are provided through which in some implementations a method of calculating risk of an item by using performance data on past returns, include over-weighting high and low periods in the item data, and generating an estimated forecast of the item performance data in reference to the over-weighted high and low periods. | 2013-01-31 |
20130031024 | GENERATING A MEASURE OF INTRANSMISSIBILITY HAZARD FROM EXTREME HETEROGENEOUS DATA - Systems, methods and apparatus are provided through which in some implementations a method of estimating intransmissibility hazard of an item by identifying high and low periods in the item data, and generating an estimated intransmissibility hazard of the item data in reference to the identified high and low performance periods. | 2013-01-31 |
20130031025 | SYSTEMS AND METHODS FOR VALUATING FINANCIAL CONTRACTS AND ASSESSING ASSOCIATED RISK - Systems and methods valuate financial contracts and assess associated risk. Particular embodiments comprise: calibrating parameters of models based on market data; determining a metric for the risk of the models to changes in the parameters; determining a metric for the risk of the parameters to changes in the market data; generating a set of valuation functions corresponding to the contract and depending on the calibrated parameters of the models; generating a corresponding set of derivatives of the valuation functions, the derivatives depending on the metric for the risk of the parameters to changes in the market data; determining a value for the contract to comprise an expected value of one of the valuation functions; and assessing a risk of the value of the contract to one or more variables by determining an expected value of one or more of the set of derivatives of the valuation functions. | 2013-01-31 |
20130031026 | METHODS AND SYSTEMS FOR VALUATING FINANCIAL CONTRACTS INVOLVING EARLY EXERCISE - Systems and methods valuate financial contracts and associated risk. Particular embodiments comprise: receiving valuation details; receiving an internal contract representation describing the contract using: flow sets, each flow set comprising cash flow functions representing a cash flow amount at a cash flow time; and choice functions providing a choice between first and second flow sets. The method involves determining, for each choice function, whether information desirable to make the choice is determinable at a choice time, and if the information is not known for a particular choice function, then replacing the particular choice function with a trigger rule determinable at the choice time and specifying the first or second flow set of its associated choice function. Wherein each trigger rule is based on one or more explanatory stochastic processes which form part of the first and second flow set of its associated choice function. | 2013-01-31 |
20130031027 | Weather Derivative Volatility Surface Estimation - Systems and methods are provided for determining the volatility of weather derivative option contracts. Volatility levels are initially determined with conventional methods. Unreliable volatility levels are then replaced with futures contracts volatility levels. If the futures contracts volatility levels are not available or appear unreliable, meteorological volatility levels are utilized. The data may be reduced to a three dimensional surface and used when determining margin account requirements. | 2013-01-31 |
20130031028 | Exchange System Supporting Cloud Computing - A cloud exchange system processes transactions for cloud computing services. Cloud resources may be viewed as commodities, in which cloud customers may be dependent on cloud providers to provide hosted centralized computer facilities. The cloud customer may move computing services in the form of one or more virtual machines by buying a contract that specifies the cloud services and is purchased through the cloud exchange system. The cloud exchange system may receive a request from the cloud customer and an offer from a cloud provider for a cloud service and may match the request and the offer to obtain matched attributes. One of the available contracts may be selected by the cloud exchange system based on the matched attributes of the request and the offer, where the selected contract specifies the cloud service. A transaction charge for the transaction may be determined from at least one of the matched attributes. | 2013-01-31 |