13th week of 2014 patent applcation highlights part 64 |
Patent application number | Title | Published |
20140089125 | TRADING UP SOCIAL NETWORK ENGINE - A computer implemented trading engine is disclosed. The trading engine is configured to connect with a plurality of computing devices and a plurality of servers; said trading engine further configured to manage trading circles between accounts maintained in association with at least two of said computing devices, said engine trading further configured to manage a first electronic data message representing at least one offer and at least one additional electronic data message representing an accepted trade proposal for said at least one offer. | 2014-03-27 |
20140089126 | ONLINE AUCTION SYSTEM - An online auction system includes a set of memory resources that store auction data and one or more processors. The one or more processors implement multiple auction forums for transacting a corresponding set of assets. The one or more processors enable a registrant to participate in any of the multiple auction forums by providing the registrant with multiple interfaces to prompt the user for input or action. In some embodiments, the one or more processors provide an entity type interface to prompt the registrant to declare an entity type of the registrant. The one or more processors operate to determine a set of requirements for the registrant based at least in part on (i) a type designation provided by the user, and (ii) a geographic region of one or more assets that are being transacted by the multiple auction forums. | 2014-03-27 |
20140089127 | INTRODUCING A FIXED-PRICE TRANSACTION MECHANISM IN CONJUNCTION WITH AN AUCTION TRANSACTION MECHANISM - An auction price-setting method to present an auction price-setting process and a fixed price process to provide a fixed price offer for an item and to publish the fixed price offer on a listing based on a criteria. | 2014-03-27 |
20140089128 | VIDEO MESSAGE CAPTURE AND DELIVERY FOR ONLINE PURCHASES - Techniques for delivering a video message from a purchaser of an order to a recipient of the order are described. An order for one or more items is received, the order specifying a recipient and having an association with a purchaser. The order further specifies to deliver a video message from the purchaser to the recipient. Embodiments receive a video message from the purchaser. The order for the one or more items is fulfilled. Embodiments transmit at least an indication of the video message to the recipient. | 2014-03-27 |
20140089129 | TECHNIQUES FOR DETERMINING SUBSTITUTES FOR PRODUCTS INDICATED IN AN ELECTRONIC SHOPPING LIST - Systems and methods are disclosed for determining a set of substitutes to recommend to a user. In some embodiments, a method includes receiving an item from a remote computing device the item being indicative of a product sold by a retailer. The method also includes determining one or more potential substitutes for the product based on the item, wherein a plurality of attributes are associated with each potential substitute, including a substitute cost corresponding to the potential substitute and a substitution weight corresponding to the potential substitute. The method also includes for each of the one or more potential substitutes, determining a score of the potential substitute based on the plurality of attributes associated with the potential substitute. The method further includes determining a set of recommended substitutes based on the scores and providing the set of recommended substitutes to the remote computing device. | 2014-03-27 |
20140089130 | SYSTEM AND METHOD FOR MAKING GIFT RECOMMENDATIONS USING SOCIAL MEDIA DATA - Disclose are methods for evaluating a user's interests and making gift recommendations using social media data. Interests and attributes of a user may be detected from social media content and products corresponding to the interests and attributes may be selected and presented as gift recommendations for the user. Methods are disclosed for resolving ambiguity as to interests reflected by textual data in social media content. Also disclosed are methods for inferring a user's interests from the interests of friends of the user. | 2014-03-27 |
20140089131 | SYSTEM AND METHOD FOR MAKING GIFT RECOMMENDATIONS USING SOCIAL MEDIA DATA - Disclose are methods for evaluating a user's interests and making gift recommendations using social media data. Interests and attributes of a user may be detected from social media content and products corresponding to the interests and attributes may be selected and presented as gift recommendations for the user. Methods are disclosed for resolving ambiguity as to interests reflected by textual data in social media content. Also disclosed are methods for inferring a user's interests from the interests of friends of the user. | 2014-03-27 |
20140089132 | SYSTEM AND METHOD FOR MAKING GIFT RECOMMENDATIONS USING SOCIAL MEDIA DATA - Disclose are methods for evaluating a user's interests and making gift recommendations using social media data. Interests and attributes of a user may be detected from social media content and products corresponding to the interests and attributes may be selected and presented as gift recommendations for the user. Methods are disclosed for resolving ambiguity as to interests reflected by textual data in social media content. Also disclosed are methods for inferring a user's interests from the interests of friends of the user. | 2014-03-27 |
20140089133 | TECHNIQUES FOR DETERMINING SUBSTITUTES FOR PURCHASED ITEMS IN A PURCHASE HISTORY OF A USER - Systems and methods are disclosed for determining a set of substitutes to recommend to a user. In some embodiments, a method includes receiving a product indicator from a remote computing device, with the product indicator being indicative of a brand of a product sold by a retailer. The method also includes determining one or more potential substitutes for the product based on the product indicator, wherein a plurality of attributes are associated with each potential substitute, including a substitute cost corresponding to the potential substitute and a substitution weight corresponding to the potential substitute. The method also includes for each of the one or more potential substitutes, determining a score of the potential substitute based on the plurality of attributes associated with the potential substitute. The method further includes determining a set of recommended substitutes based on the scores and providing the set of recommended substitutes to the remote computing device. | 2014-03-27 |
20140089134 | SYSTEM AND METHOD FOR CREATING A CUSTOMIZED SHOPPING EXPERIENCE FOR A USER - Embodiments of the invention comprise a system, computer program product and computer implemented method that include a series of instructions executable on a computer. In some embodiments, the computer program product performs a process of creating user tags for products using attributes of the user's profile in a social media website and a process of creating the list of products that the user can purchase from the attributes. In some embodiments, the user is prompted for a selection of user tags from at least one social media profile page associated with the user that include at least one of lifestyle attributes, product types, product manufacturers, and product retailers. Responsive to the receipt of the user tags, the list of products and ranking the list of products is created and displayed on the user's mobile device. | 2014-03-27 |
20140089135 | SYSTEM AND METHOD FOR ENABLING A REAL TIME SHARED SHOPPING EXPERIENCE - Embodiments of the invention comprise a system, computer program product, and computer-implemented method for performing a process of creating the list of products that a user can purchase and a process of allowing the user to share a product from the list of products with a second user in real time. In some embodiments, the computer program product implements the steps of prompting the user for a selection of user tags from a list of user tags and a social media profile page associated with the user. For example, the user tags may include a user gender, a product type, a product manufacturer, and a product retailer. Responsive to the receipt of the user tags, embodiments of the invention create the list of products matching the user tags and display at least one product from the list of product on a mobile device associated with the user. | 2014-03-27 |
20140089136 | USING FINANCIAL TRANSACTIONS TO GENERATE RECOMMENDATIONS - The disclosed embodiments provide a system that processes transaction data. During operation, the system obtains the transaction data for a set of financial transactions between a set of users and a set of organizations. Next, the system uses the transaction data to calculate a set of preference scores for the users and the organizations. Finally, the system generates recommendations associated with the users and the organizations from the preference scores without obtaining explicit preferences for the organizations from the users. | 2014-03-27 |
20140089137 | SYSTEM AND METHOD FOR DONATING - A method to incentivize and facilitate the donation of literature from a donor to a recipient. The recipient initially pays an access fee, after which, the recipient can communicate literature needs to a donors through a website dedicated to the method. The recipient can post a profile on a website dedicated to the method so that the donor can review potential recipients. Next, the recipient can produce a wish list of desired literature from the recipient. The donor views the requested literature and matches the requested literature with available literature. The donor and recipient communicate to discuss specifics of the donation and other pertinent information. The donor receives benefits such as tax deductions and credits for donating. The donation is then delivered to the recipient. The recipient receives and acknowledges receipt of the donation, and the donor receives a receipt for proof of donating. | 2014-03-27 |
20140089138 | ONLINE STORE PRODUCT AVAILABILITY - A technique for effecting electronic commerce using a data network is described. The data network includes a plurality of subsystems which, together, form an integrated system for receiving customer orders for selected items via a data network, fulfilling the customer orders, and delivering the ordered products to the customers. Moreover, according to a specific embodiment, the integrated nature of the system architecture of the present invention allows the on-line merchant to provide a guarantee to the customer that the ordered items will be available to be delivered to the customer at the specified delivery date, time, and location. | 2014-03-27 |
20140089139 | SYSTEM AND METHOD FOR PROVISIONING ASSETS FOR ONLINE TRANSACTIONS - Information pertaining to the real property asset is received from a seller of the real property asset. From the information, a set of parameters are determined about the real property asset. The set of parameters are then used to select a set of agreements that are to control completion of the real property asset being sold using the online medium. The real property asset is then made available for sale using the selected set of contracts. | 2014-03-27 |
20140089140 | Individualized Digital Media Delivery Systems - Systems and methods for individualized distribution of digital content to purchasers via portable kiosks are described. The systems contain a storage device for storing the digital content and distribution devices for distributing the digital content to a user. The distribution devices can be configured to be portable so that users who are not mobile can access the distribution device. As well, the users can use a receiving device containing unique identification data to receive and access the digital content. Such a system is extremely useful for users who are not mobile and whose use of the distribution devices needs to be controlled, such as detainees in a corrections facility. Other embodiments are described. | 2014-03-27 |
20140089141 | SEARCHING IN AN ON-LINE TRADING SYSTEM - A method of identifying potential trades within a database holding details of individuals and items that these individuals are willing to give away, “Haves”, and/or to receive, “Wants”. The database is searched to identify matching Haves and Wants and to define a directed edge linking the each match. An edge weight can be determined for the directed edge defined for each match and, for one of said individuals possessing a Have, identifying potential n-way trades for the individual by identifying a directed edge or directed edges originating at the individual's Have and/or by connecting two or more directed edges including at least a directed edge originating at the individual's Have, where n is an integer greater than 1. A trade weight is determined on the basis of the or each associated link weight and the potential trades ranked according to the respective trade weights. | 2014-03-27 |
20140089142 | SYSTEM AND METHOD FOR AGGREGATING INFORMATION ASSOCIATING A USER WITH A PRODUCT - A system for scanning products and retrieving information associated therewith is described. The system includes a mobile device provided with a scanner. A user scans a product with the mobile device, and the mobile device transmits the scanned information to a server via a network. The system returns information about the product from the server to the mobile device and presents the users with options to obtain additional information about the product. The system also stores information associating the user with the product and allows the user to post information relating to the product to a social media profile. | 2014-03-27 |
20140089143 | System and Method For Exchanging Information Bi-Directionally - A communications system and method by which information is transmitted and received bi-directionally between digital signage and individuals viewing scenes displayed on digital signage. The digital signage transmits and receives information via an RFID reader and the individual transmits and receives information via an RFID tag. The system and method are useful in providing subscribers to a product/service information database with individually customized information about products and services based on the personal profiles of the individual subscribers. | 2014-03-27 |
20140089144 | APPARATUS, SYSTEM, METHOD AND COMPUTER-ACCESSIBLE MEDIUM FOR PERFORMING A PRODUCT SEARCH USING USER-GENERATED AND CROWD-SOURCED CONTENT - A non-transitory computer-readable medium, method and system for providing results associated with a ranking of a plurality of items of a particular item type can be provided. For example, for each respective item of a plurality of items having an associated cost, it is possible to (i) determining an item utility value for the respective item of the items based on aggregate data associated with a plurality of users without requiring utilization of information particular to each of the users, and (ii) determine a surplus value for the respective item as the item utility value less a cost utility value associated with the cost of the respective item. Further, it is possible to provide the results, based on the respective surplus values, to a particular user of the users. | 2014-03-27 |
20140089145 | IMAGE-BASED PRODUCT MARKETING SYSTEMS AND METHODS - An exemplary method includes a product marketing system receiving, from an access device, a product search request and image data representative of an image associated with a product, searching, in response to the product search request, a repository of product image data to identify at least one match to the image associated with the product, generating, based on the at least one match, search results data comprising product information for at least one product, and transmitting the search results data to the access device. Corresponding systems and methods are also described. | 2014-03-27 |
20140089146 | SYSTEM, METHOD AND APPARATUS FOR MANAGING PHARMACY INVENTORIES - A system, apparatus and method manages a product inventory of two or more vendors. A demand for each product at each vendor is determined based on a product utilization data stored in one or more databases. One or more product transfers are generated based on the demand for each product at each vendor and a product inventory data stored in the one or more databases. The one or more product transfers are bundled together by vendor-to-vendor pairings. Each transfer bundle is provided to the vendors identified in the transfer bundles. An approval, a modification or a denial is received for each transfer bundle from the vendors identified in the transfer bundles. One or more transfer orders are created for the transfer bundles that are approved and modified. | 2014-03-27 |
20140089147 | MULTICHANNEL DISTRIBUTION MANAGEMENT TOOL, SYSTEM AND METHOD - A new or alternative computer-enabled multichannel distribution management tool, system and method that facilitate multi-channel distribution management of product to the market. The tool, method and system allow manufacturers management of transactions across all distribution channels and throughout the distribution chain, including to the “tail end” of the distribution chain after sale to an end consumer, where manufacturer liability remains (e.g. for returns or warranty repairs or servicing). This facilitates the calculation of “true” profits for manufacturers, based on pre- and post-sales data (e.g. costs associated with the sale of each widget through any given distribution channel). The multichannel distribution management tool also provides distributors and retailers a centralized tool to manage transactions downstream from their relative positions in the distribution chain. | 2014-03-27 |
20140089148 | SYSTEMS AND METHODS FOR NETWORK INVENTORY MANAGMENT UTILIZING MOBILE TECHNOLOGY - A system for streamlining a network management system (NMS) includes scanning, via a mobile device, a code on a hardware or software component; and determining, via the mobile device, whether the hardware or software component is a network component (NC), based on the scanned code. The hardware or software component may be a call manager, server, client device, interface card, repeater, hub, bridge, switch, router, or firewall, for example. | 2014-03-27 |
20140089149 | MASS REVERSAL OF DOCUMENTS BASED ON REVERSAL TASKS AND REVERSAL TRIGGERS - In an example embodiment, a mass reversal of documents in a convergent invoicing system may be accomplished by first receiving a first set of one or more reversal triggers, wherein each of the one or more task triggers corresponds to a document in the convergent invoicing system. Then a reversal task is received, wherein the reversal task corresponds to the first set of one or more reversal triggers. A second set of reversal triggers may then be automatically corresponded to reversal task, based upon documents corresponding to the one or more task triggers in the first set of ne or more reversal triggers. Once an indication that the reversal task has been released in received, for each reversal trigger corresponding to the reversal task, the reversal trigger is processed, causing a corresponding document to be reversed. | 2014-03-27 |
20140089150 | ONE CLICK TO UPDATE BUYER IN MASS ON PURCHASER ORDERS AND PREPARE CHANGES TO COMMUNICATE TO SUPPLIER - A mass change of values of a specified attribute (e.g., buyer identity) of multiple purchase orders can be performed automatically in conjunction with additional automatically performed operations, and all in response to a single user activation of a button control, without requiring any further human intervention. The additional operations can include the creation of change orders for each changed purchase order; the logging of each change made to each purchase order in an audit history; the requesting of change approvals for purchase orders; and the preparation of the created change orders for communication to suppliers to whom the changed purchase orders pertain. Thus, each supplier can made aware via an automated process that he is now dealing with a different entity than before. | 2014-03-27 |
20140089151 | SYSTEM AND METHOD FOR PROCESSING TAX CODES BY COMPANY GROUP - A system and method for assigning taxability codes to purchases, and processing tax invoices, by company groups. A user, identified to one of a group of companies, inputs a requisition. Tax code and tax location are identified in a front end process applicable to the object of the requisition and converted into a converted tax code and tax jurisdiction and fed to a back end processor. Responsive to converted tax code and the tax jurisdiction for the corresponding company group, the back end prepares a purchase order which is transmitted to a supplier. Responsive to an invoice from the supplier and company group and tax code indicia from the purchase order, the back end processes and selectively pays, short pays, or rejects the invoice. | 2014-03-27 |
20140089152 | SYSTEM AND METHOD FOR REAL-TIME PRICING WITH VOLUME DISCOUNTING - A system and method are provided for facilitating real-time pricing with volume discounting. The method includes receiving a request for a real-time price quote for a transaction from a first account. The request is received at a first instance in time during a billing cycle. The method also includes determining a first production service, where the first production service is a component of the transaction, and determining a count of first production service instances representing the first production service in the received transaction. The method further includes determining a billable entity for the transaction, where the billable entity includes one or more related accounts, and the related accounts include the first account. | 2014-03-27 |
20140089153 | SYSTEM AND METHOD FOR OPENING AN ACCOUNT USING A MOBILE DEVICE - A system and method for opening an account at an institution. First information of a user may be received from a mobile device, and second information of the user may be received from the mobile device, the second information being converted from an image of a primary document. The first information may then be validated against the second information, and an account opened for the user if the first information validates against the second information. The step of receiving first information may include receiving optical character recognition data converted from an image of a secondary document such as a driver's license. The step of receiving second information may include receiving optical character recognition data converted from an image of the primary document such as a personal check, a debit card, a credit card, etc. | 2014-03-27 |
20140089154 | COLORED CARD SCROLLER - An online account provider displays cards associated with a user account according to the dominant color of the card, along with a corresponding color spectrum to enable the user to select a card based on the color. The user may see available cards linked to the user's account within the user's online or digital wallet or account along a first column based on color. A second column shows text information about the cards, such as name, type, balance, account number, etc. A third column shows a color spectrum with a scroll bar that enables the user to scroll to a particular color and see cards in and around that color in the spectrum. The color spectrum is built from the displayed cards, so that the color spectrum may be different for different users with different cards. | 2014-03-27 |
20140089155 | MAPPING PORTAL APPLICATIONS IN MULTI-TENANT ENVIRONMENT - A method implemented in a computer infrastructure having computer executable code tangibly embodied on a computer readable medium being operable to associate each of a plurality of tenants with a respective virtual portal and individually meter virtual portal usage at each respective virtual portal. Additionally, the computer executable code is operable to determine a fee amount for the each of the plurality of tenants based on the individually metered virtual portal usage. | 2014-03-27 |
20140089156 | ADDRESSES IN FINANCIAL SYSTEMS - The disclosure concerns computing systems of financial institutions and computing systems that interact and support functions of financial institutions, including porting of addresses between financial institutions. When implemented as a computer, the computer enables, in communication with a network the association of a user identifier with a gaining financial institution (FI), wherein the user identifier is associated with an original FI. The computer receives from the gaining FI a request to associate the user identifier with the gaining FI. The computer then sends to the original FI the request. In response, the computer receives from the original FI a confirmation of the request and stores in computer storage a change in the association of the user identifier from the original FI to the gaining FI. As a result, a user can change accounts and FIs without having to also change the user identifier. | 2014-03-27 |
20140089157 | SYSTEM FOR IMPLEMENTING A COMMODITY ISSUER RIGHTS MANAGEMENT PROCESS OVER A DISTRIBUTED COMMUNICATIONS NETWORK DEPLOYED IN A FINANCIAL MARKETPLACE - A computer-network implemented system recognizes that (i) a commodity owner/producer retains (i.e. withholds) the right to lend a commodity prior to the sale/production of a commodity and, (ii) the system allows commodity borrowers to purchase or lease from the commodity owners/producers, through the system, the right to borrow the non-borrowable commodity from the commodity owner/producer, according to sale or lease rates and other terms established by the commodity owner/producer with the system, so that (iii) commodity borrowers can then acquire the right to lend the non-borrowable commodity from the commodity owner/producer and, thereafter, (iv) commodity borrowers can sell the non-borrowable commodity short in the commodity/financial marketplace and profit from a short sale, without adversely effecting the commodity owner/producer. | 2014-03-27 |
20140089158 | ACCOUNT MANAGEMENT SYSTEM AND METHOD - An account management method is provided. The account management method includes steps: storing accounts and a user password for each account; receiving account information, and determining whether the account information matches one of the account information of the accounts; receiving a password; validating whether the user has an authority to set a delegating password and delegating authority for the account, and setting the delegating password and the delegating authority for the matched account when the user has the authority, wherein the delegating authority defines at least one authorized operation; comparing the received password with the user password and/or the delegating password to determine the received password is the user password or the delegating password; and implementing an operation when the received password is the user password or an authorized operation when the received password is the delegating password. | 2014-03-27 |
20140089159 | LOCALLY OPTIMUM TRADING POSITIONS IN MARKET MEASURE - A trading position evaluation system for evaluating trading positions that are locally optimum in a market measure includes an option price determination module configured to determine at a trading time instance amongst a plurality of trading time instances obtained from a trader, a scaled option price and a shifted scaled option price of an underlying asset of a European Contingent Claim (ECC) based on ECC data and market data. The ECC data comprises data associated with the ECC and the underlying asset of the ECC, and the market data comprises annualized rate of return and annualized volatility of the underlying asset, and interest rate of market. Based on the scaled option price and the shifted scaled option price, a position evaluation module evaluates a trading position at the trading time instance that minimizes local variance of profit and loss to the trader. | 2014-03-27 |
20140089160 | SYSTEMS AND METHODS FOR VENDING AND ACQUIRING ORDER PRIORITY - Systems and methods for vending and acquiring of trading priority in electronic trading systems are provided. The systems and method preferably provide for vending and acquiring priority in any suitable electronic trading system. Such suitable electronic trading systems include, but are not limited to, hit/lift exclusive priority systems, price time priority systems, order allocation systems, and request for quote systems. | 2014-03-27 |
20140089161 | Method and Apparatus for Simultaneous Average Price Execution in Leader and Follower Trading Accounts - A system, method and apparatus is disclosed for single, block-trade fulfillment and execution of leader and follower trade orders for financial products. The system and method includes an order routing means that aggregates a lead trader's trade order and the pre-registered order instructions of one or more follower traders, and that then fills the aggregated orders as a single block trade at one single price. The system and method also includes means to segregate identifying information about the lead trader and the follower traders from each other, and to re-integrate that identifying information in reports that are sent back to individual leader and follower traders. Further, the system and method includes storage means to store and record all trading information for regulatory audit purposes. | 2014-03-27 |
20140089162 | METHOD AND SYSTEM FOR IMPROVING EQUITY TRADE ORDER ACKNOWLEDGEMENT TIMES - A method and system for improving stock exchange equity trade order acknowledgment times including a network appliance (“trade accelerator”) in the sub-network of the trading platforms, having a specialized network flow processor with associated micro-code and a host processor running specialized software. Specialized network appliance software sensitive to trading protocols for communicating between trading platforms and exchange servers detects latency variations in trade order acknowledgments at the exchange and recommends to subscribing trading platforms a least latency trade order path. | 2014-03-27 |
20140089163 | High Speed Processing of Financial Information Using FPGA Devices - Methods and systems for processing financial market data using a reconfigurable logic device are disclosed. Various operations such as volume weighted average price (VWAP) operations can be performed on the financial market data using firmware logic deployed on the reconfigurable logic device to accelerate the speed of processing. | 2014-03-27 |
20140089164 | TRADE ENGINE PROCESSING OF MASS QUOTE MESSAGES AND RESULTING PRODUCTION OF MARKET DATA - Systems and methods are provided for processing mass quote messages and generating market data. A mass quote message is received and individual orders are parsed and processed. Individual market data messages are stored in a market data message buffer. After all orders are processed, the contents of the market data message buffer is distributed as a single market data message. | 2014-03-27 |
20140089165 | METHOD AND SYSTEM OF APPROVING FINANCING FOR A SALE - Approving financing for a sale. At least some of the illustrative embodiments are methods including: receiving a request to approve a customer for a sale to be paid for with multiple payments over a sales period; collecting financial information of the customer; calculating a value indicative of willingness-to-pay, the calculating by a computer system, where the value indicative of willingness-to-pay is calculated based on a proposed price of the sale and a value indicative of modified income of the customer; and then determining whether the customer is approved for the sale based on the value indicative of willingness-to-pay, the value indicative of modified income of the customer, and the financial information of the customer; and if the customer is approved determining terms of the sale. | 2014-03-27 |
20140089166 | CREDIT REPAIR BY ANALYSIS OF TRADE LINE PROPERTIES - A method for taking appropriate action on a credit report for an individual based on analysis of properties of at least some of the trade lines of the credit report. Upon accessing the credit report, each of at least some of the trade lines in the credit report are processed by 1) identifying one or more properties of the subject trade line, 2) performing one or more removal success rate estimations for similar trade lines having at least one like property compared to the subject trade line, and 3) calculating at least one removability index (e.g., an item removal difficulty index or an item removal speed index) for the subject trade line based on the removal success estimation(s). The calculated removability indices are then aggregated for multiple trade lines, and the course of action for the credit report as a whole is determined based on the removability indices. | 2014-03-27 |
20140089167 | SYSTEMS AND METHODS OF ON-LINE CREDIT INFORMATION MONITORING AND CONTROL - Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management. | 2014-03-27 |
20140089168 | COMPLIANCE REVIEW - One or more devices in a mortgage loan compliance review system may be configured to receive and analyze mortgage loan data, and to perform various mortgage loan compliance determinations and actions based on the mortgage loan data. One or more compliance review computing devices may receive and store multiple sets of mortgage loan data, such as initial sets of customer fee data from one or more Good Faith Estimates (GFEs), and final set of customer fee data from a HUD-1 document, along with along with Change of Circumstance forms and other loan documents. The compliance review system may identify fee differences across different sets of mortgage loan data, compare fee differences to predefined fee tolerances, determine validity of certain customer fees, and calculate customer remediation amounts for mortgage loans. | 2014-03-27 |
20140089169 | System and Method of Processing Payment Transactions via Mobile Devices - A system and method for processing payment transactions via mobile devices are provided. An adaptive payment server is configured to accept requests from a mobile device to process different types of payment transactions via various types of payment devices (for example, credit cards, debit cards, EBT cards, or other payment cards). Credit card transactions, debit card transactions, EBT cash benefits transactions, and/or EBT food stamps transactions may be processed based on identification information retrieved from a corresponding payment device via the mobile device. | 2014-03-27 |
20140089170 | FINANCIAL ACCOUNT LABELS - Disclosed are electronic systems and techniques for implementing financial account labeling. A labeling component generates a label for an account based in part on data implicitly or explicitly provided by a user associated with the account, and applies the label to a subset of a set of funds maintained in the account. A rules component determines or infers a set of rules for the label based in part on data implicitly or explicitly provided by the user, a set of rule generation criteria, and/or a financial collaborative plan. An access component controls, based in part on the set of rules, transactions relating to the subset of funds corresponding to the label. | 2014-03-27 |
20140089171 | INSTANTANEOUS MULTI-CAST FUNDING AT POINT OF SALE - A service provider communicates to potential funders, over social networks they subscribe to, a funding request to fund a user's purchasing of an item(s) the user found during online or offline shopping, based on a funders' profile the user previously created. The funders' profile contains identifiers of potential funders, social networks, and any restrictions in communicating the funding request. At the time of requesting the service provider for the multi-cast broadcasting, the user may set the time limit for receiving funds, modify the funders' profile, and transmit the information of the desired item(s) via either a user's device or a merchant device. Before or when the funding time expires, the user may extend the time. When sufficient fund arrives at the user's account, the user is notified and the service provider proceeds with the payment transaction at the user's request to complete the purchase. | 2014-03-27 |
20140089172 | SYSTEM AND METHOD FOR STORING AND DISPENSING FUEL AND BALLAST FLUID - A system for storing and dispensing fuel and a ballast fluid is disclosed. The system may be installed in a station. The system may be employed in a vehicle or facility having a power plant. Fuel and ballast fluid may be stored cryogenically in a liquid phase and dispensed to the vapor phase. The system may employ a thermal and volumetric compensatory arrangement wherein fuel dispensed from storage for use in a power plant is used as a heat exchange medium (refrigerant) for ballast fluid received for storage; during refueling, ballast fluid stored in the vehicle or facility may be dispensed and used as a refrigerant for fuel being stored in the vehicle in space made available by the dispensed ballast fluid. The fuel may be natural gas with a main component of methane; the ballast fluid may be a fluid obtainable from ambient environmental air, such as nitrogen or oxygen. The fuel and ballast fluid may be conditioned so that the respective boiling points are approximately equal. The system may employ a heat transfer system with a microchannel heat exchanger. | 2014-03-27 |
20140089173 | SYSTEM AND METHOD FOR ENABLING A FUNDRAISING AND CONTRIBUTIONS PROGRAM USING FUNDRAISING CARDS REDEEMABLE FOR BRANDED STORED-VALUE CARDS - Disclosed is a system and method for enabling a fundraising program using fundraising cards redeemable by not-for-profit (“NPO”) supporters for branded stored-value cards. The system includes a scrip company host system having a server, where the server includes a microcontroller. A remote user device, having a display, is operatively coupled to the scrip company host system and configured to enable access to the scrip company web site. The microcontroller is adapted to detect access to the scrip company web site by a NPO, and cause the plurality of fundraising cards to be distributed to the NPO in response to detecting an order for the plurality of fundraising cards by the NPO. The fundraising cards are distributed to the NPO prior to receiving payment from the NPO for the fundraising cards, thereby making it unnecessary for the NPO to carry a paid-for inventory of fundraising cards. | 2014-03-27 |
20140089174 | APPLICATION HOSTING WITHIN A SECURED FRAMEWORK IN A FUELING ENVIRONMENT - A secured framework for hosting secure and non-secure applications is provided. A master control apparatus includes an interface component for providing input to or output from the master control apparatus, and an interface communicating component for establishing a communications path to a portion of the interface component when a secured portion of the interface component is active. The interface communicating component provides data from a feature apparatus to the portion of the interface component over the communications path, and switches the communications path to refrain from providing data from the feature apparatus where the secured portion of the interface component is active. A security analyzing component can also be included to additionally or alternatively determine whether access is allowed to the portion of the interface component. | 2014-03-27 |
20140089175 | SYSTEMS AND METHODS TO FACILITATE ONLINE TRANSACTIONS - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a communication interface to receive an input from a merchant; a plurality of converters to interface with a plurality of controllers for delivery of premium messages sent by the system to collect funds for purchases made by customers; and a common format processor coupled with the plurality of converters to send the premium messages. The common format processor determines a combination of one or more premium messages, in response to a first customer making a first purchase from the merchant at a first price. The total price of the one or more premium messages is based on the first price and a portion of service charges associated with the one or more premium messages, where the portion is specified by the input received via the interface. | 2014-03-27 |
20140089176 | METHOD AND APPARATUS FOR CRYPTOGRAPHICALLY-ASSISTED COMMERCIAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE - The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications. In one embodiment, the controller receives an expert request. A search program identifies experts qualified to respond to the expert request. The expert request is then transmitted to the expert, which results in an expert answer transmitted to and received by the central controller. After authentication of the expert answer, using a wide range of security levels from passwords to cryptography, the answer is forwarded to the end user. The method and apparatus of the present invention have applications on the Internet as well as conventional voice telephony systems. | 2014-03-27 |
20140089177 | SYSTEMS AND METHODS OF COMMUNICATING USING XML - An embodiment is a method of providing services to users. A system receives an XML command at the network system from a service provider system. It parses the XML command and translates at least a portion of the XML command, which it uses to authorize an action. The system receives and translates the authorization result to produce an XML response, and transmits the XML response. | 2014-03-27 |
20140089178 | MOBILE FINANCIAL TRANSACTION SYSTEM AND METHOD - Mobile financial transaction system and method are disclosed for use with mobile payment and secure financial service platform. With the method and system disclosed, users can perform mobile financial transactions with a handheld mobile device. First, a billing information is acquired through the Internet and/or image capturing, and then a microSD flash memory card embedded with security chip and containing a personal financial information and/or near field communication technology is used to communicate with nearby payment devices to acquire a payment information. The payment information is then transferred to a payment gateway to finish a financial transaction. In addition, a secure value added service platform provides follow-up financial services. | 2014-03-27 |
20140089179 | METHODS AND SYSTEMS FOR ELECTRONIC BILL PRESENTMENT AND PAYMENT - The present invention provides methods and systems for processing bills for a customer. A request for master data of the customer is received from a first processing module by means of a second processing module having access to the master data of the customer and the master data comprising bill format information. The second processing module sends the requested master data to the first processing module and receives a bill in a format specified in the master data of the customer from the first processing module. | 2014-03-27 |
20140089180 | ELECTRONIC WALLET SERVICE SYSTEM BASED ON AN IDLE SCREEN APPLICATION - An E-wallet service system based on an idle screen application comprising: a push system receiving a first payment request message including seller information, customer identification information, payment object information, and payment amount information from a payment request system of a seller and pushing the first payment request message to a customer terminal corresponding to the customer identification information of the first payment request message; and a customer terminal having an idle screen application which includes an e-wallet module and a payment processing module, and requesting a payment approval to a payment system via a payment approval system by performing the e-wallet module and the payment processing module. | 2014-03-27 |
20140089181 | ACCOUNT CONTRIBUTION MANAGEMENT - An ability to expose and display a current billing amount associated with a billing account in a billing system to one or more third parties, and to link one or more payments from the one or more third parties to the billing account in an account receivable system is provided. A user may create, publish, and share a fundraising webpage, which when accessed by a third party, allows the third party to send a payment in the form of a contribution or donation. An intermediary system allows for secure communication of billing account data from the accounts receivable system to the third party, allowing the third party to interact with the accounts receivable system as if the third party is in direct communication with the accounts receivable system. | 2014-03-27 |
20140089182 | SYSTEMS AND METHODS FOR PROVIDING CONTENT AND SERVICES ON A NETWORK SYSTEM - Systems and methods for managing and providing content and services on a network system. Aspects of the invention include location-based determination of network content and services that may be provided to client computers. Other aspects of the invention include authorization and authentication components that determine access rights of client computers. Additional aspects include systems and methods for redirecting client computers to different network content. The disclosed systems and methods may be used in numerous network system applications. | 2014-03-27 |
20140089183 | DYNAMIC BIN ALLOCATION FOR PAYMENT CARD TRANSACTIONS - Preauthorized payments may be made to service providers, repair shops and even vendors serving employees on business trips through credit card processing. The approved payment amount is authorized on a virtually created payment card which is then sent to the payee. These transactions incur interchange fees for the card processing. Therefore, unlike a check or EFT payment, the payee receives the approved payment less interchange fees. Interchange rates vary based on the payment card product offered by an issuing bank in addition to factors relating to how the payment card is processed. The current invention is a method of automatically generating a virtual payment card and/or processing the card in a manner to achieve a target interchange fee. | 2014-03-27 |
20140089184 | Payment System and Method Using Tokens - A method of payment using tokens issued by a third party comprising the steps of: a. A transaction management unit receives a request to perform a service for which payment with tokens is required; b. The management unit checks whether there are yet unused tokens available; If an unused token was found, go to step (c); If there are no available tokens, then indicate that, then END; c. The management unit requests information on an available token from a database. The status of the used token is changed to “used”; d. During the subsequent transaction, the management unit sends information relating to the token now used. A system for managing and monitoring the use of tokens, comprising: a. a transactions management unit using tokens, wherein the unit is activated when a local user requires to perform a service for which payment using tokens is required; b. a tokens database which includes information on tokens acquired from the third party; c. a tokens use monitoring unit, to verify the correct use of tokens; d. a database of tokens reports; e. a communication channel to other users. | 2014-03-27 |
20140089185 | ISOLATING DISTINCT SERVICE PROVIDER WIDGETS WITHIN A WALLET CONTAINER - Isolating distinct service provider widgets within a wallet container is accomplished by configuring a widget to provide access to an issuer-specific service group of services that are accessible in a service tier of a multi-tier platform for providing secure transactions, determining widget isolation requirements for operating the widget, configuring a widget descriptor with the isolation requirements, and communicating with the configured widget that has been deployed on a mobile device to provide at least one service from the issuer-specific service group. | 2014-03-27 |
20140089186 | MOBILE PAYMENT SERVICE FOR SMALL FINANCIAL INSTITUTIONS - During operation of the system, a user of a portable electronic device provides a request to enroll in a financial service associated with a provider. For example, the financial service may facilitate financial transactions via a financial application that executes on the portable electronic device. Then, an electronic device determines that the user is an existing customer of at least one of a set of financial institutions that have a business relationship with the provider, where the provider is other than one of the financial institutions. Next, the electronic device enrolls the user in the financial service without requesting additional information from the user. By leveraging the business relationship between the user and one of the financial institutions in the set of financial institutions, the user can avoid having to perform a complicated enrollment process in order to start using the financial service. | 2014-03-27 |
20140089187 | BANKING SYSTEM OPERATED RESPONSIVE TO DATA BEARING RECORDS - A system includes a plurality of machines that operate responsive to data bearing records such as user cards ( | 2014-03-27 |
20140089188 | SYSTEM FOR FUNDS TRANSFER USING SOURCE ATM AND DELIVERING ATM - A system for conducting funds transfer using a source ATM and a delivering ATM. In one embodiment, a sender can use the source ATM to initiate a funds transfer, deliver cash into it, or a check, or select a bank account with sufficient funds available, to be the source of funds. The sender can even use his ATM card to login to the source ATM and provide a passcode or PINcode (such as a 4 digit PINcode) if challenged to be able to use the source ATM. Similarly, the recipient uses the delivering ATM to receive funds, providing a transaction id and security information (such as a security token, for example) when prompted by the user interaction screen and keyboard circuitry. The sender and the recipient need not have any bank accounts to conduct funds transfer. | 2014-03-27 |
20140089189 | SYSTEM, METHOD, AND APPARATUS TO EVALUATE TRANSACTION SECURITY RISK - Various exemplary embodiments relate to a method and related network node including one or more of the following: receiving a request for a transaction associated with personally identifiable information (PII); determining values for a plurality of security parameters based on the requested transaction; determining that the transaction should be authorized based on the values for the plurality of security parameters; and based on determining that the transaction should be authorized, authorizing the transaction. | 2014-03-27 |
20140089190 | CLAIM RATE BLACK BOX - Apparatus for electronically modifying a rule-based relationship between bank and a merchant is provided. The apparatus may comprise a receiver configured to receive information relating to a plurality of merchant transactions and a plurality of claims associated with at least a portion of the merchant transactions. The apparatus may further comprise a processor configured to calculate a first value, the first value corresponding to a sum of the plurality of claims divided by a sum of the plurality of merchant transactions. The processor may be further configured to electronically divide the first value by an industry benchmark value. In the event that the resultant value is greater than a predetermined threshold value, the processor may be further configured to electronically modify a database storing data corresponding to rules defining the relationship between the bank and the merchant. | 2014-03-27 |
20140089191 | Secure Payment System and Method - A secure payment system allowing customers to purchase goods or services from a vendor and authorize transactions from their account in a financial institution without either the vendor or the secure payment system having access to the sensitive financial information of the customer. Funds are pushed from the customer's account to the vendor's account at the direct instruction of the customer to their financial institution, rather than being pulled from the customer's account when instructed to do so by a third party. | 2014-03-27 |
20140089192 | SECOND LEVEL PROCESSING SYSTEM AND METHOD - Embodiments of the invention are directed to computer that can utilize a first computer and a second computer. The first computer may determine a first fraud score based on transaction data. If the first fraud score is indeterminate, the transaction may be assigned to a transaction review queue. If the subsequent review takes too long to complete, then a second computer may be used to compute a second fraud score to determine an outcome for the transaction. | 2014-03-27 |
20140089193 | Replay Engine and Passive Profile/Multiple Model Parallel Scoring - Systems and methods for testing new profiles and rules against past transaction data in a quick manner are provided. A set of transactions is identified by a merchant based on a selection criterion that is replayed against the new profile. Results of the replay are recorded and compared against the original results obtained from applying an existing profile to the same set of transaction data. A tic-tac-toe report is generated for the merchant showing shifts in transaction results between the existing profile and the new profile. Embodiments of the invention further allow merchants to generate multiple scores, in parallel, against different transaction models using knobs or hedges. | 2014-03-27 |
20140089194 | UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION - A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol. | 2014-03-27 |
20140089195 | PERSON TO PERSON PHOTO PAYMENTS - Photos of recent or prior payees are shown on a user device, such as a smart phone or tablet. The user or payer can select a photo, enter an amount to send, and confirm a payment. The payment provider then processes the payment with minimal input from the payer. Because the photos are of recent or previous payees, the user is able to make a person to person payment with less steps than conventional person to person payments. | 2014-03-27 |
20140089196 | SECURING PERSONAL IDENTIFICATION NUMBERS FOR MOBILE PAYMENT APPLICATIONS BY COMBINING WITH RANDOM COMPONENTS - Systems and methods can secure personal identification numbers associated with secure elements within mobile devices. A host application of the mobile device can receive a personal identification number (PIN) or user PIN from a user. The application can generate one or more random PIN components. The application can compute a PIN for the secure element based upon the user PIN and each of the one or more random components. The SE can be configured using the PIN computed for the secure element. Each of the one or more random components may be stored in one or more distinct, diverse locations. In addition to entering the correct user PIN, each of the one or more random components must be retrieved from the diverse locations in order to reconstruct the PIN for the secure element whenever performing a transaction using the secure element. | 2014-03-27 |
20140089197 | COMPUTER-IMPLEMENTED METHOD, SYSTEM AND APPARATUS FOR THE DYNAMIC VERIFICATION OF A CONSUMER ENGAGED IN A TRANSACTION WITH A MERCHANT AND AUTHORIZATION OF THE TRANSACTION - Disclosed is a computer-implemented method ( | 2014-03-27 |
20140089198 | Method and System to Verify the Identity of a User - A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result. | 2014-03-27 |
20140089199 | SYSTEMS AND METHODS FOR PROVIDING INDIVIDUALIZED FINANCIAL ACCESS - Systems and methods for implementing one or a series of value transfers. In some instances, the systems and methods include web or Internet based user interfaces that provide a mechanism whereby a user can implement a transfer plan without interacting with a human operator. Further, in some instances, such systems and methods provide a mechanism for authorizing access to one or more asset accounts from which value is transferred, and/or recipient accounts to which value is transferred. In some cases, the authorization function is performed by an entity that enjoys a pre-existing relationship with a user accessing the systems of the present invention, while any actual transfers are performed by a third party entity. This can be an advantage where authorization requires a signature or other interaction with a user sufficient to conform to electronic signature laws. | 2014-03-27 |
20140089200 | Method and Apparatus for Synergistic Online Services - An online service that stores data securely for customers of businesses. The data is uploaded by the business and stored in a encrypted form that only the customer can cover. | 2014-03-27 |
20140089201 | Modular and embeddable electronic commerce system - A system and method that provides trusted commerce functionality on an untrusted website is disclosed. Content rights owners upload the content to the system. The system generates a piece of HTML code to be copied and pasted into a website. The code generates a commerce widget. The widget allows a buyer to review the content, its description and its price, and to safely execute the purchase. The widget maintains an authenticated session with the buyer or visitor in a way that requires no registration prior to purchase. Upon purchase, the buyer can access the content from the widget itself, and means of logging in if they have already purchased the content. The owners can offer items for sale on their own web properties without having to operate as merchants and without redirecting their visitors to other websites. The buyers can make changes to their identity without losing their purchases. | 2014-03-27 |
20140089202 | CRM Security Core - A security core supports a networked banking app for a client application device communicating with a server, such as e.g. a smartphone. It provides a secure environment for the banking app to conduct registration, enrollment, and transaction workflows with corresponding back-end servers on the network. It includes defenses against static analysis, attempts at reverse engineering, and real-time transaction fraud. A principal defense employed is obfuscation of the protocols, APIs, algorithms, and program code. It actively detects, thwarts, misdirects, and reports reverse engineering attempts and malware activity it senses. A routing obfuscator is configured to operate at the outer layer. Previous core designs are retained as camouflage. An internal TLS library is used rather than the OS TLS layer. Cookies are managed internally in the core rather than in the webkit-browser layer. | 2014-03-27 |
20140089203 | FORMAT-PRESERVING CRYPTOGRAPHIC SYSTEMS - Key requests in a data processing system may include identifiers such as user names, policy names, and application names. The identifiers may also include validity period information indicating when corresponding keys are valid. When fulfilling a key request, a key server may use identifier information from the key request in determining which key access policies to apply and may use the identifier in determining whether an applicable policy has been satisfied. When a key request is authorized, the key server may generate a key by applying a one-way function to a root secret and the identifier. Validity period information for use by a decryption engine may be embedded in data items that include redundant information. Application testing can be facilitated by populating a test database with data that has been encrypted using a format-preserving encryption algorithm. Parts of a data string may be selectively encrypted based on their sensitivity. | 2014-03-27 |
20140089204 | FORMAT-PRESERVING CRYPTOGRAPHIC SYSTEMS - Key requests in a data processing system may include identifiers such as user names, policy names, and application names. The identifiers may also include validity period information indicating when corresponding keys are valid. When fulfilling a key request, a key server may use identifier information from the key request in determining which key access policies to apply and may use the identifier in determining whether an applicable policy has been satisfied. When a key request is authorized, the key server may generate a key by applying a one-way function to a root secret and the identifier. Validity period information for use by a decryption engine may be embedded in data items that include redundant information. Application testing can be facilitated by populating a test database with data that has been encrypted using a format-preserving encryption algorithm. Parts of a data string may be selectively encrypted based on their sensitivity. | 2014-03-27 |
20140089205 | System and Method of Processing PIN-Based Payment Transactions Via Mobile Devices - A system and method for using a Personal Identification Number (“PIN”) to authenticate payment transactions via a mobile device coupled to a reader device is described. The reader device may be modified to not only read and encrypt first identification information from a payment medium such as a magnetic strip of a payment card, but also receive a PIN from the mobile device and encrypt the PIN. The mobile device may be configured to prompt for and receive the PIN. The PIN may be communicated to the reader device for encryption. The mobile device may receive the encrypted first identification information and encrypted PIN and communicate the encrypted data to an adaptive payment server that decrypts the encrypted data for processing the payment transaction. The system may be used to securely process PIN-based payment transactions using a mobile device that is communicably coupled to a reader device. | 2014-03-27 |
20140089206 | SYSTEMS AND METHODS FOR TRANSFERRING ELECTRICAL ENERGY BETWEEN VEHICLES - A central location may facilitate negotiation and exchange of electrical energy between motor vehicles that need to exchange electrical energy. The central location may identify vehicles to exchange electrical energy and may determine exchange terms. The central location may store member information from which it determines exchange terms. The central location may update the member information based on data reported from the exchange. The central location may also authorize transactions, which may comprise confirming identities of one or both vehicles, validating payment information, and/or the like. The vehicles may be members of an affinity group or common fleet. The central location may manage the affinity group or common fleet, such as by prequalifying vehicles to join the group, ensuring vehicles have sufficient energy to reach a destination, and/or the like. | 2014-03-27 |
20140089207 | SYSTEM AND METHOD FOR PROVIDING HIGH LEVEL VIEW TRACKING OF CHANGES IN SCA ARTIFACTS - Systems and methods for providing high level view tracking of changes in SCA artifacts are provided. A system comprises a project history tool executing on a computer, which includes an extensible model which maps artifacts to files. When the project history tool receives a project history, the project history tool analyzes the project history to identify files which have changed, identifies, using an extensible model, one or more artifacts associated with the changed files, groups the changed files based on the one or more artifacts, and creates a component-oriented view of the project history | 2014-03-27 |
20140089208 | SYSTEMS AND METHODS FOR EVALUATING REPAIRS TO VEHICLES - Systems and methods for evaluating repairs or combinations of repairs for one or more vehicles are provided herein. In certain embodiments, a seller may select one or more possible repairs or combinations of repairs to done on a vehicle or group of vehicles. Based on the selected repairs, a change in the overall value of the vehicle(s) may be determined In addition, as the seller selects the one or more repairs, the impact that making other repairs will have on the overall value of the vehicle(s) may be adjusted. | 2014-03-27 |
20140089209 | METHODS AND SYSTEMS FOR LINKING BUILDING INFORMATION MODELS WITH BUILDING MAINTENANCE INFORMATION - A computer-implemented method includes, in one aspect, receiving a request for a spatial analysis of building behavior of an entity within a building facility; retrieving building maintenance information about the entity within the building facility; accessing a building information model for the building facility; identifying a portion of the building information model that pertains to the entity; and based on the retrieved building maintenance information and the identified portion of the building information model, generating the spatial analysis of the building behavior for the entity within the building facility. | 2014-03-27 |
20140089210 | PATENT CONTINUATION ANALYSIS - Various embodiments of the present disclosure include systems and methods for rating a patent continuation case by comparing the patent continuation case with a priority or parent patent case of the patent continuation case. Comparison elements are used in an embodiment with automatic comparison. | 2014-03-27 |
20140089211 | COMMUNICATION MANAGEMENT SYSTEMS AND RELATED METHODS - An apparatus can include: a defined contact module configured to run on at least one processor and further configured to allow a borrower to identify approved communications mechanisms, the approved communications mechanisms comprise allowed methods of communication from one or more creditors to the borrower; a legal notification generation module configured to run on the at least one processor and further configured to generate one or more appropriate legal notifications to the one or more creditors based upon the approved communications mechanisms; a legal notification delivery module configured to run on at least one processor and further configured to facilitate the delivery of the one or more appropriate legal notifications to the one or more creditors using a traceable mechanism; and a communications module configured to run on the at least one processor and further configured to facilitate and store synchronous or asynchronous communications between the borrower and the one or more creditors using the approved communications mechanisms. | 2014-03-27 |
20140089212 | DATA SHARING AGREEMENTS - Presented is an electronic data sharing agreement authoring system and method for creating an electronic sharing agreement comprising at least one statement for defining data sharing between entities and conforming to a predefined syntax. | 2014-03-27 |
20140089213 | SYSTEMS AND METHODS FOR PROVIDING A MORTGAGE REALTOR PORTAL - Systems and methods of providing a mortgage portal to facilitate initiating a mortgage for closing on property. The system includes a server and several computing devices communicatively connected via a network. The server manages the information, documents, and tasks required to complete the mortgage, including generating alert conditions for notifications, presenting pending files to realtors and lenders, sending notifications for various deadlines, and sending notifications when information and/or documents are received. | 2014-03-27 |
20140089214 | System and Method for Automated Data Breach Compliance - Computer-implemented methods and systems for data breach compliance are disclosed. Organization related information may be received. Breach information relating to a data breach event of the organization may be received. The breach information may include, for example, breach event description information, compromised personally identifiable information, and remediation action information. A breach report may be generated based on the breach information, the organization related information, and one or more rules related to data breach. At least one reporting entity may be determined based on the organization related information, the breach information, and the one or more rules. The breach report may be output. | 2014-03-27 |
20140089215 | CONFINING USE OF CONTENT TO A DEVICE - Disclosed herein are a system, non-transitory computer-readable medium, and method for confining content. A digital receipt is generated in response to a request for content. An identifier associated with the remote device sending the request is included in the digital receipt such that use of the content is confined to the remote device. | 2014-03-27 |
20140089216 | METHODS AND SYSTEMS FOR PREDICTING JOB SEEKING BEHAVIOR - Embodiments of the present invention analyze information available from social-media websites to predict the likelihood that a prospective candidate will become an active recruitment candidate. | 2014-03-27 |
20140089217 | SYSTEM AND METHOD FOR SOCIAL RECRUITING - A system for social recruiting including an employment system server including a user database, where the user database includes a recruiter profile and a job seeker profile, and a recruiter network for the recruiter profile includes the recruiter profile associated with the job seeker profile. | 2014-03-27 |
20140089218 | Systems and Processes for Employment Job Centers - An employment server in communication over an Internet with a plurality of job candidates and with a plurality of businesses and related methods are disclosed. The web site stores and provides upon request a plurality of job candidate web pages, each have a set of job qualifications. It also stores and provides upon request a plurality of job center web pages. It also stores and provides upon request, a plurality of job details web pages, each one of which is related to a job center web page. When a business reviews the job center web page and the job details web page, information identifying the business is displayed on the web pages. When a third party reviews these web pages, then information identifying the business may or may not be displayed on the web pages, depending on the settings of one or two stealth setting parameters. | 2014-03-27 |
20140089219 | A SYSTEM AND METHOD THAT PROVIDES PERSONAL, EDUCATIONAL AND CAREER NAVIGATION, VALIDATION, AND ANALYSIS TO USERS - Methods and systems that provide personal, educational, and career analytics for students to navigate the ever increasing educational and career landscape. Instant simulated journeys of success may be created by translating personal, educational, and career data into visual and navigational choices for every student and parent. Users may be allowed instant access to all K1-to-K20 personalized education records in order to continually analyze that data against the labor market, labor data, personal interests, and educational choices and job forecasts in order to produce continual options and validation. Results may be produced that help students and parents more accurately prepare and plan by visually seeing progress, strengths, weaknesses, funding needs, options and statistics on a regular basis. | 2014-03-27 |
20140089220 | METHOD AND SYSTEM FOR GENERATING SHIPPING LABELS - A system generates an encoded identifier representing shipping data associated with the first party, wherein the shipping data is associated with a transaction between the first party and a second party. The system then communicates the encoded identifier to the second party and the second party creates a shipping label including the encoded identifier. The encoded identifier is decoded by a shipping service provider thus providing the shipping data of the first party. | 2014-03-27 |
20140089221 | Smart Ordering System for Proactive Mitigation of System Scarcity in a Cloud or Data Center Environment - A system, method, and computer-readable medium are disclosed for automating the procurement of a physical server when the remaining number of available servers in a server pool reaches a predetermined threshold value. A target server pool is monitored for commitment of its associated physical servers. If the number of available servers falls below a predetermined threshold, then an automated procurement template associated with the target server pool is retrieved. The automated procurement template is then provided to the physical server manufacturer, which converts the information it contains into manufacturing and delivery data. In turn, the manufacturing data is used to manufacture the physical server, which is then delivered to the customer for implementation. | 2014-03-27 |
20140089222 | Mobile reporting systems (MRS) - The invention is a process using a form created from a program on the internet accessed and filled out via an app on a wireless device capable of being deployed over WIFI, wimax, LTE and other 3G and 4G networks. Files will be sent to an Email and a Searchable Database. The invention will also be capable of adapting to and utilizing new technologies and platforms to advance the service in the Governmental, Industrial, Commercial, Retail, Airline, Labor Union, Businesses, Residential and other related Industries in Need of Mobile Wireless Form Usage. The invention is used to capture Data, reports, Calculations and Photographs for Review and or storage records Information for Surveying, Estimating, and Inspections, Improvement and/or Repairs for the designated industry, agency, or organization previously mentioned. See Claims and Figures for More details. | 2014-03-27 |
20140089223 | METHOD AND SYSTEM OF SUGGESTING ESTABLISHMENTS - The present disclosure provides for search optimization of searches for establishments. Social network communications posted at one or more social media networking sites are monitored by a social network server from which one or more indicators of popularity of the establishment can be determined by the social network server. A popularity score of the monitored establishment or establishments may be generated from the determined indicators of popularity. In response to a search query, the popularity score of the monitored establishments may be returned by the social network server as a search result to a user via an electronic communication device. | 2014-03-27 |
20140089224 | MODELING AN ENTERPRISE - Computer implemented methods, apparatuses, and compute program products for modeling an enterprise are provided. Embodiments include providing to a user, by an enterprise modeling controller, a user interface comprising an icon carousel and a drop area interface for moving selected icons from the icon carousel. The icon carousel contains a plurality of icons, where each icon of the plurality of icons represents a particular solution component configuration. Embodiments also include for each icon within the drop area interface, identifying a corresponding solution component configuration and configuration data associated with the solution component configuration. Embodiments also include generating based on the configuration data associated with the identified solution component configurations one or more integration patterns indicating data processing relationships of the identified solution component configurations. Embodiments also include generating an enterprise model based on the identified solution component configurations and the one or more integration patterns. | 2014-03-27 |