20th week of 2014 patent applcation highlights part 62 |
Patent application number | Title | Published |
20140136335 | Systems and Methods for Billing Content Providers for Designated Select Content Delivered Over a Data Network - Some embodiments provide multi-tenant billing systems and methods whereby data network usage fees that are associated with delivering select content of different content providers over a data network are passed to the content provider that originates or is the source for that select content instead of the end users that request and receive the select content. A deep packet inspection server or a billing server may be configured with a list of identifiers to distinguish between the network usage that is related to the delivery of the designated free content from the network usage that is not related to the delivery of the designated free content. The network usage can be distinguished by filtering or processing usage logs that track the network usage using the configured list of identifiers. Such filtering or processing can be done in real-time or in a delayed manner in a standalone or integrated system. | 2014-05-15 |
20140136336 | FLOOR PRICE MANAGEMENT IN AN ONLINE AUCTION SYSTEM FOR ADS TO BE PLACED IN A DIVERSIFIED CONTENT INVENTORY - An auction for ad inventory to be placed in streaming video content is characterized by a floor (minimum) price. A seller component receives, via a real time auction exchange system, a request for a set of ad impressions meeting specified criteria to be delivered by an online video streaming system, sometimes referred to as an “auction lot”. The seller component determines a floor price based on an inventory pressure calculated for the auction lot in response to receiving the request. The seller component determines the inventory pressure based on an inventory pressure determined for an inventory segment identified by the auction lot. The auction lot may then be entered into a bidding process including at least one bidder wherein bids less than the floor price are not accepted. | 2014-05-15 |
20140136337 | Systems and Methods for Self-Monitoring Ad Tags that Solicit Real-Time Advertising Bids - Systems and methods presented herein may programmatically purchase ad space as part of a real-time bidding auction. The ad space may be located within content being loaded on a user computing device, such as a webpage, but instead of placing a traditional advertisement within the space, systems and methods herein may supply a self-monitoring ad tag. The self-monitoring ad tag may be executed by the user computing device to locally monitor events, causing the user computing device to request resale of the ad space at an optimal time. This may allow an exchange to purchase an ad space for a relatively low price and then resell it for a higher price once the ad space becomes visible at the user computing device. | 2014-05-15 |
20140136338 | Systems and Methods for Increasing Win Rates, Volume and Liquidity within an Internet Advertising Exchange - Systems and methods presented herein may facilitate the programmatic purchase of online advertising space as part of a real-time bidding auction. In particular, a second real-time bidding auction may be conducted during a first real-time bidding auction for the same advertising space. A winning bid in the second real-time auction may be modified and submitted as a bid to the first real-time auction in order to increase market participation, liquidity, win rates, and volume within an online advertising exchange. | 2014-05-15 |
20140136339 | Systems and Methods for Real-Time Auction Bid Modification in Conjunction with a Waterfall Environment - Systems and methods presented herein may facilitate the programmatic purchase of online advertising space as part of a real-time bidding auction. In particular, an offer price accepted in conjunction with a waterfall sales environment may be modified and submitted as a bid to the a real-time auction in order to increase market participation, liquidity, win rates, and volume within an online advertising exchange. | 2014-05-15 |
20140136340 | Systems and Methods for Programmatically Identifying and Marketing Instantly Viewable Ad Space in Real-Time - Systems and methods presented herein may programmatically predict whether ad space will be viewable on a user's screen upon a web page or other content loading, and programmatically purchase ad space based on the determined likelihood of view ability. The ad space may be located within content being loaded on a user computing device, such as a webpage, but instead of placing a traditional advertisement within the space, systems and methods herein may supply a self-monitoring ad tag. The self-monitoring ad tag may be executed by the user computing device to assist in determining the viewability of the ad space upon the content loading or shortly thereafter. This may allow an exchange to log known viewable ad space, and later purchase that ad space for resale a higher price based on the viewability. | 2014-05-15 |
20140136341 | Systems and Methods for Identifying In-View Ad Space and Performing Viewable-Only Sub-Auctions in Real-Time - Systems and methods presented herein may programmatically monitor ad space and predict whether ad space will be viewable on a user's screen upon a web page or other content loading. If an exchange is participating in a supply-side auction for ad space and determines the ad space is known to be viewable, the exchange may solicit bids in a viewable-only (i.e., in view only) real-time auction, and pass the winning bid or a modification thereof to the supply-side auction. The exchange may also place the advertisement with a client device and provide code along with the advertisement to verify the advertisement is in view. | 2014-05-15 |
20140136342 | Systems and Methods for Buying Viewable Ad Space Based On Synchronized User Information - Systems and methods presented herein may utilize multiple databases spaced geographically around the world to collect user information, the databases being in communication with one another to synchronize user information. At least in part by matching the synchronized user information to a user characteristic in a bid request, an exchange system may programmatically decide whether to purchase ad space for reselling once it becomes in view on a user's screen. The exchange system may provide a self-monitoring ad tag that may be executed by the user computing device to assist in determining the viewability of the ad space. This may allow an exchange to log known viewable ad space and user information, and later purchase that ad space for resale a higher price based on the viewability and user information. | 2014-05-15 |
20140136343 | Systems and Methods for Re-Auctioning Ad Space After Displaying an Advertisement - Systems and methods presented herein may include an exchange or server that may auction off ad space, place a first advertisement at the ad space on a computing device, and then re-auction the ad space after a period of time for placement of a second advertisement at the ad space on the computing device. An exchange may facilitate placement of the first advertisement along with code that gets executed by the computing device, causing the computing device to wait a period of time after displaying the first advertisement and then contact the exchange to perform a viewable-only (i.e., in view only) real-time auction. The winner of that auction may have its advertisement placed at the same ad space. | 2014-05-15 |
20140136344 | Systems and Methods for Selling An Ad Space On The Same Computing Device Multiple Times - Systems and methods presented herein may include an exchange or server that may sell the same ad space within content on a computing device a plurality of times before the computing device navigates away from the content. This may include programmatically selling the ad space, such as in a waterfall or real-time auction process, placing a first advertisement at the ad space, then receiving an indication that it is time to resell the ad space before the computing device has navigated away from the content. A second advertisement may then be placed at the ad space. Additionally, the programmatic reselling may include reselling the ad space as in-view. | 2014-05-15 |
20140136345 | Systems and Methods for Efficiently Evaluating Online Advertising Inventory Prior To Sale - Systems and methods presented herein may facilitate the programmatic purchase of online advertising space as part of a real-time bidding auction. In particular, online advertising inventory offered for sale may be evaluated to determine if the inventory satisfies predetermined criteria. Information associated with the inventory may be prioritized such that the inventory can be evaluated efficiently and undesirable inventory may be rejected quickly and without consuming additional resources. | 2014-05-15 |
20140136346 | SYSTEM AND METHODS FOR PROCESSING IN-STREAM TRANSACTIONS ON MICRO-BLOGS AND OTHER SOCIAL NETWORKS - System and methods for processing in-stream transactions on micro-blogs and other social networks (“in-stream transaction processing system”) facilitates transactions via comments, posts or messages on social networks. The in-stream transaction processing system converts social channels used for conversation into channels through which users can engage in commerce, fundraising or other non-financial activities. In an embodiment, the in-stream transaction processing system monitors user messages on a social network to determine whether a user message includes an action command and a campaign identifier. The in-stream transaction processing system identifies the user message having the action command and the campaign identifier as a request to process a transaction and processes the transaction accordingly. Since the users do not have to use shopping carts and checkouts, the in-stream transaction processing system provides a simple and frictionless method of conducting online transactions. | 2014-05-15 |
20140136347 | INTERACTION PROMPT FOR INTERACTIVE ADVERTISING - Systems and methods for dynamically sizing, structuring and operating advertisements that include a variety of content, including interaction prompts and other elements, which enable an engagement-based revenue generation model. According to one embodiment, a computer implemented method comprises storing advertising content, serving an XML file from an advertising server to an advertisement manager in order to control a player on a user computer, dynamically generating the advertisement through the player based on directions from the advertisement manager and the stored content, and tracking and reporting a user's engagement with the advertisement in order to determine compensation for the publisher. | 2014-05-15 |
20140136348 | SYSTEM AND METHOD FOR RECEIVING AND MANAGING REMOTELY PLACED ORDERS - A system for enabling the remote ordering of products, primarily for use in a multi-vendor system, is disclosed. Orders are placed remotely, such as through wireless devices connected to a central server. The central server, in turn, is in communication (wireless or otherwise) with a server located at one or more venues within the organization operating the system. The one or more venues provide produces or services available for ordering through the system. Where multiple venues are involved, the system is designed to handle differences in the product or service availability at those different venues, and provides for an ability to make corrections to orders that may be or may become necessary on account of those differences. The system provides for multiple options through which users can pay for and receive orders, and also provides methods for synchronizing the remote ordering system with pre-existing, conventional methods of ordering and product/service order fulfillment. | 2014-05-15 |
20140136349 | TRANSFERRING ASSETS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for sending transfer requests, receiving approvals, and carrying out transfers in a digital wallet application. A mobile payment engine receives a request from a client application associated with a first digital card to apply assets from at least one additional digital card to the first digital card, receives receiving approval to transfer assets from the at least one additional digital card to the first digital card, and transfers the assets to the first digital card. Transfers can be made between digital cards in the same client's digital wallet application and transfers can be made between multiple client device accounts. | 2014-05-15 |
20140136350 | SYSTEM AND METHOD FOR SECURE MOBILE CONTACTLESS PAYMENT - A point of sale terminal for facilitating payment transactions includes a network interface, a user interface, a short distance contactless radio frequency interface, and a universal integrated circuit card. The universal integrated circuit card includes at least one processor, at least one computer-readable tangible storage device, and program instructions stored on the at least one storage device for execution by the at least one processor. The program instructions include first program instructions configured to receive a data representative of payment en information via the user interface, the first payment information indicative of a request to initiate a payment transaction. The program instructions further include second program instructions configured to activate the short distance contactless radio frequency interface. The program instructions further include third program instructions configured to communicate and perform a payment transaction with a contactless card via the short distance contactless radio frequency interface to generate payment transaction information. | 2014-05-15 |
20140136351 | CONSUMER OPERATED KIOSKS FOR PURCHASING ITEMS ONLINE AND ASSOCIATED SYSTEMS AND METHODS - The present disclosure is directed to consumer operated kiosks for purchasing items online and associated systems and methods. In one embodiment, for example, a method of making purchases online can include receiving funds (e.g., bills and/or coins) from a user at a consumer operated kiosk, and receiving online order information at the consumer operated kiosk. The online order information can be associated with a user account stored on a remote database and can include a cost of an online order from a third party merchant. The method can further include initiating transfer of at least a portion of the received funds to the third party merchant to pay for the online order. | 2014-05-15 |
20140136352 | Social Network-Assisted Electronic Payments - Techniques, a system and an article of manufacture for social network-assisted electronic payments. A method includes determining one or more members of a user's social network to query for a financial contribution towards payment of a real-time transaction between the user and a merchant, querying said one or more members in an order based on descending likelihood of member financial contribution until sufficient funds for payment of the transaction are received or all of said one or more members have been queried, and processing a money transfer from the user and/or each of said one or more members to the merchant to complete the real-time transaction. | 2014-05-15 |
20140136353 | SYSTEM AND METHOD FOR OPTIMIZING CARD USAGE IN A PAYMENT TRANSACTION - Systems and methods for enabling a user to use a single payment device in payment transactions for optimizing card rewards. Payment instruments such as credit cards, debit cards and stored value cards are associated to the user's payment device in an intermediate account. The user also provides prioritization information regarding the payment instruments. Using the prioritization information, an optimization engine then determines the optimal payment instrument for a transaction transmitted to the intermediate account. | 2014-05-15 |
20140136354 | MOBILE PAYMENT TRANSACTION PROCESSING VIA UNATTENDED TERMINAL - A mobile payment application loaded upon a user device allows a user to perform mobile payment transactions for the purchase of a product and/or service via an unattended terminal over a network. The networked unattended terminal is operationally coupled with a mechanism, such as a vending machine, for delivering the purchased product and/or service to the user. | 2014-05-15 |
20140136355 | SECURITY IN MOBILE PAYMENT SERVICE - The disclosure is related to providing a mobile payment service without revealing an actual payment card number. User equipment may be configured to receive a set of virtual mobile payment card numbers assigned to a mobile payment card, to select one of the received virtual mobile payment card numbers based on a payment initiation time upon generation of a predetermined event, and to transmit a payment request with the selected virtual mobile payment card number and the payment initiation time to the server through at least one of a point-of-sale (POS) terminal and a value-added network (VAN) server. | 2014-05-15 |
20140136356 | METHOD FOR MANAGING LISTING PRICES IN AN ECOMMERCE ENVIRONMENT - A computer-implemented method for managing listing prices in an ecommerce environment includes the steps of receiving information from a user, including price information relating to a listing of the user on a third-party ecommerce web site. Also received from the user is at least one search term that is not a valid UPC, ISBN, EAN, eBay Prodct ID, or ASIN. At least one third-party ecommerce site is search using the search term provided by the user, and at least one item listing relevant to the search term is retrieved from the third-party ecommerce web site. The user's listing on the third-party ecommerce web site is repriced such that the price of the at least one item retrieved from the third-party ecommerce site is utilized to determine a new price for the user's listing. | 2014-05-15 |
20140136357 | Method for mitigating financial risks associated with participating in an auction - A method for mitigating financial risks associated with participating in an auction in which an auctioneer uses an online platform to auction a commodity to auction participants' remote terminals in communication with the platform via a communication network by charging the participants participation fees that aggregate to an amount which is at least equal to a predetermined percentage of the auctioneer's cost of acquiring the commodity. | 2014-05-15 |
20140136358 | SUPPLIER QUANTITY SELECTION - According to an example, a method for supplier quantity selection may include receiving a plurality of supplier offers for one or more items to be procured by a manufacturer, and determining whether the supplier offers include price uncertainty and a most favored customer (MFC) clause. Based on the determination that the supplier offers include price uncertainty and the MFC clause, the method may include evaluating the supplier offers by analyzing the price uncertainty and the MFC clause using a stochastic multi-stage model. The method may further include determining, by a processor, an allocation of all or part of each of the supplier offers to minimize purchase price of the one or more items based on the evaluation of the supplier offers. | 2014-05-15 |
20140136359 | Pillow Apparatus Having An Insertable Pillow - A pillow apparatus, social media network and methods for ordering and designing the pillow apparatus is provided. The pillow apparatus including a first pillow including a receiving pillow pocket in an interior portion thereof, and an opening at a side surface of the pillow corresponding to the receiving pillow pocket; a second pillow formed of a different size than that of the first pillow; and a connection portion configured to couple the first pillow and the second pillow together, wherein the second pillow is insertable into and housed within the receiving pillow pocket of the first pillow. | 2014-05-15 |
20140136360 | ECONOMIC DECISION SYSTEM FOR CONSUMPTION OF SECURITY SERVICES IN CLOUD ENVIRONMENTS - Implementations of the present disclosure include methods, systems, and computer-readable storage mediums for recommending one or more security services to be consumed by an enterprise operator, the one or more security services each being hosted on a cloud platform. Implementations include actions of receiving a request for security services, the request being received from the enterprise operator and including requirements and cost constraints that are to be met by the security services, processing the requirements and cost constraints of the request in view of functions and costs associated with one or more registered security services to identify one or more candidate security services, and providing one or more recommendations to the enterprise operator, each recommendations identifying a candidate security service that can be consumed by the enterprise operator. | 2014-05-15 |
20140136361 | AVATAR HAVING ARTIFICIAL INTELLIGENCE FOR IDENTIFYING AND PROVIDING PURCHASING RECOMMENDATIONS - The present invention extends to methods, systems, and computer program products for implementing an avatar having artificial intelligence for identifying and providing purchasing recommendations. The avatar acts as an electronic representation of a user. The avatar can quantify the utility of decisions and recommend decisions or make decisions on behalf of the user based on the quantified utility determined for a set of decisions. In this way, the avatar can continually learn how to make the best decisions for the user to maximize the happiness of the user. The user can also enter into personal decision contracts which are commitments to follow a decision made by the avatar. A score representing how often the user follows the avatar's decisions can be maintained as an indication of the trustworthiness of the user in entering into personal decision contracts. | 2014-05-15 |
20140136362 | INTELLIGENT PERFORMANCE-BASED PRODUCT RECOMMENDATION SYSTEM - Systems and methods of utilizing communications networks and multivariate analysis to predict or recommend optimal products from a predefined population of commercially available products are disclosed. The recommendations are based on intelligence contained in processing elements and subjective and/or objective product information received from consumers or input to the systems as part of their initial setup. The output of the systems comprise sets of products that they predict the consumer will prefer and/or perform well for the problem or concern identified by the consumer. The performance and preference predictions are a function of consumer problems and product responsiveness patterns. Objective product information is generally obtained with diagnostic instruments. Data measured with the diagnostic instruments may be communicated to the data processing portions of the invention via the Internet. The outputs of the data processing portion of the system may be presented to consumers via the Internet as well. | 2014-05-15 |
20140136363 | DIGITAL MEDIA CONTENT LOCATION AND PURCHASING SYSTEM - Systems and methods for locating digital media content. The systems and methods include receiving search terms from a client device through a single interface, searching a plurality of digital media content providers for digital media content using the search terms to obtain search results, sorting and organizing the search results, and returning the search results to the client device through the single interface. | 2014-05-15 |
20140136364 | CONFIGURING AND DISPLAYING INTERACTION INFORMATION WITHIN USER INTERFACES - A system and method for configuring, selecting and/or displaying interaction information associated with a product via a web or mobile page is described. In some examples, the system configures and/or selects interaction information based on a type of page, type of information displayed by the page, and/or location within a website that is displaying the interaction information, and displays the interaction information as a graphical influence element or other displayable content via the page. | 2014-05-15 |
20140136365 | SUGGESTING EXPENDITURES WITHIN A BUDGET - Computer-implemented processes, computer storage products, and machines are provided for managing planned expenditures within a budget. Servers store, in association with a set of item(s) of potential expenditure by a user: an item specification that describes at least one item, and an amount of funds that has been designated by the user for the set. The amount might not initially cover a price of the item, but the amount or the item price may be updated such that the amount does cover the price. The servers detect that the amount covers the price, and, in response, generate and send an electronic message that identifies the item and the price. A vendor may change the price such that the price is covered by the designated amount of funds, or additional funds may be added to the amount such that the amount covers the price. Example items goods, services, and/or activities. | 2014-05-15 |
20140136366 | SYSTEM AND METHOD FOR RECEIVING AND MANAGING REMOTELY PLACED ORDERS - A system for enabling the remote ordering of products, primarily for use in a multi-vendor system, is disclosed. Orders are placed remotely, such as through wireless devices connected to a central server. The central server, in turn is in communication (wireless or otherwise) with a server located at one or more venues within the organization operating the system. The one or more venues provide products or services available for ordering through the system. Where multiple venues are involved, the system is designed to handle differences in the product or service availability at those different venues, and provides for an ability to make corrections to orders that may be or may become necessary on account of those differences. The system provides for multiple options through which users can pay for and receive orders, and also provides methods for synchronizing the remote ordering system with pre-existing, conventional methods of ordering and product/service order fulfillment. | 2014-05-15 |
20140136367 | DETERMINING A COMMUNITY RATING FOR A USER USING FEEDBACK RATINGS OF RELATED USERS IN AN ELECTRONIC ENVIRONMENT - Community ratings are determined for users of an electronic marketplace. In A typical configuration, the community rating of an individual reflect the individual's reputation in the electronic community (e.g. feedback rating) as well as the reputations of the users the individual sponsors and the reputations of each user they sponsor, and so on. Various methodologies are provided for determining a community rating, such as aggregating feedback ratings, or weighting or thresholding these feedback ratings. | 2014-05-15 |
20140136368 | AVATAR HAVING ARTIFICIAL INTELLIGENCE FOR FACILITATING THE CREATION OF PERSONAL DECISION CONTRACTS - The present invention extends to methods, systems, and computer program products for implementing an avatar marketplace within which an avatar can enter into personal decision contracts with other avatars to receive goods or services on behalf of the individuals or entities represented by the avatars. An avatar acts as a digital representation of a user by continually searching for information and analyzing the information to provide recommendations of decisions the user may make. The personal decision contracts entered into by the avatar can be commitments to follow a decision recommended by the avatar at a future time. Such contracts can be entered into with other entities or avatars. The avatar can maintain a score that represents the level of trust that the user has in the avatar which is based on how often the user complies with his commitments in a personal decision contract. | 2014-05-15 |
20140136369 | Method of Analyzing a Sale Process for an Entity - A computer-implemented method determines determine an adequacy of a process to sell an entity responsive to competition, fairness, thoroughness, and good faith. A computer evaluates a sale of an entity by rating solicitation efforts associated with potential buyers of the entity (audience), by rating information about the entity prepared for potential buyers, by rating time frames surrounding the sale (timing), by rating circumstances associated with a transfer of the entity, and by rating a negotiation and execution efforts associated with the sale of the entity. Each criteria investigated is provided a weighting factor, where the weighting factor for the audience and transfer is around 0.25, the factor for the information and negotiation and execution is around 0.20, and the weighting factor for the timing is around 0.10. | 2014-05-15 |
20140136370 | System and Method for Optimization of Lease Management and Operation - The present invention concerns a system and method that includes use of a mobile computing device having a visual display and means to run a software application installed on it that includes a front-end interface that provides a step-by-step tool to both collect information from a prospective renter, an algorithm for optimizing available property selection using the information collected by the prospect, and presentation of media and information about the property and neighborhood to the prospect in an integrated way. The application further includes communications functionality that allow communications with a data cloud that both delivers appropriate media for display by the application as well as storage of any information collected from the prospect via the application. The system then uses the information to generate reports and provide analytics to prospects, leasing agents, leasing managers and building owners based on the information most relevant and important to them. | 2014-05-15 |
20140136371 | Techniques for Correlating Events to Digital Media Assets - Improved approaches to intelligently refer users of one online media store to another online store are disclosed. The inter-store referral can permit a user of an online media store, such as an online media store that offers digital media assets for purchase, to easily access related information, such as event information, from another online store. According to another aspect, improved approaches to access and present event information are disclosed. | 2014-05-15 |
20140136372 | SYSTEM AND METHOD FOR GENERATING SALES LEADS FOR CEMETERIES UTILIZING THREE-HUNDRED AND SIXTY DEGREE IMAGERY IN CONNECTION WITH A CEMETERY DATABASE - A device and a method for generating sales leads for cemeteries utilizing three-hundred and sixty degree panoramic imagery in connection with a cemetery database is provided where a cemetery database made up of cemetery interment data is combined with three-hundred and sixty degree imagery of the cemetery and a user interface is built to search and view the combined database. By providing access to the combined database and using data request functions in the user interface, sale leads will be generated for the cemeteries. | 2014-05-15 |
20140136373 | METHODS AND SYSTEMS FOR THE SALE OF CONSUMER SERVICES - Computer-implemented systems and methods for the sale of consumer services. Predictions are made based on the behaviors, preferences, assets, identifying characteristics, and other attributes associated with customers and merchants. In one implementation, a prediction is made as to whether a customer is likely to request a service and whether a merchant is likely to be selected by the customer to provide the service. In another implementation, the calendars of a merchant and customer are automatically updated to account for the customer's late arrival to an appointment at the merchants location. In yet another implementation, a customer purchases an appointment for a service from another customer that has the appointment scheduled with a merchant providing the service. | 2014-05-15 |
20140136374 | ANONYMOUS ELECTRONIC TRANSACTIONS - Techniques are disclosed for protecting privacy of parties to electronic transactions, such as transactions conducted through a GSM network. An anonymity service provider receives orders directed from its subscriber to a recipient for goods or services, along with information about its subscriber. The anonymity service provider relays the order to the recipient but withholds information about the subscriber, as the subscriber directs. The recipient receives payment for the good or service by way of a voucher from the anonymity service provider. | 2014-05-15 |
20140136375 | METHOD AND SYSTEM FOR RISK AND CONSTRAINT BASED PRICING MODEL OF A CATALOG SERVICE TO ASSESS ENTERPRISE NETWORK TRANSFORMATION - A method and system for risk and constraint based pricing model of a catalog service to assess enterprise network transformation. The embodiments herein disclose a method and system for risk and constraint based pricing model of a catalog service to assess the enterprise network transformation. The pricing of the effort is estimated by counting the effort to fulfill a service request and adding the total cost of the tool used to execute the service. The comprises of two price points which are factored with size of enterprise stack, along with constraints and risk related to the enterprise information The pricing engine running on processor interfaces with the network for communicating with its sub-processing units. The pricing engine running on processor interfaces with user through the software defined user interface through its hardware Input/output module. | 2014-05-15 |
20140136376 | SYSTEMS AND METHODS FOR CONDUCTING TRANSACTIONS IN AN ONLINE MARKETPLACE - A method includes sending from a user device customer identifier data uniquely associated with a customer and sending from the user device merchandiser identifier data uniquely associated with a merchandiser from a plurality of merchandisers. The method further includes displaying at least one item for sale based on data received from a server. The data is displayed based on a profile associated with the customer identifier and the merchandiser identifier. The method also includes transmitting from the user device data associated with at least one transaction request for the at least one item for sale. The customer identifier data and the merchandiser identifier are accessible via a persistent portion of a user interface of the user device. | 2014-05-15 |
20140136377 | ROOM INVENTORY MANAGEMENT - According to an example, a method for room inventory management may include generating inventory records for rooms for a predetermined time period. An inventory record may include an inventory record index representing a physical property of an associated room, and an inventory record attribute representing a modifiable attribute of the associated room. The method may further include generating keys to identify one or more of the inventory records based on attributes associated with the keys. A key may include a key index that matches the inventory record index for one or more of the inventory records. The method may also include receiving selections of the keys from the generated keys, and generating, by a processor, virtual room pools by grouping the selected keys for each of the selections and the inventory records identified by the selected keys for each of the selections. | 2014-05-15 |
20140136378 | METHOD AND APPARATUS FOR CONTROLLING SERVICE TRAFFIC IN A COMMUNICATION NETWORK - A method and corresponding apparatus for controlling service traffic in a communication network including an online charging system performing the steps of receiving a request for service traffic control, the request including at least data identifying a first communication network account; determining, based on the received data and a predefined set of rules, a first network traffic policy profile associated with the first account; transmitting to a Policy and Charging Rules Function PCRF a first policy control command including an identifier identifying the first network traffic policy profile stored in an network traffic policy profile entity, to be applied in controlling the service. | 2014-05-15 |
20140136379 | Delivery of Security Solutions Based On-Demand - A computer can receive an alarm event data that results from detection of an event by an alarm system. The alarm event data comprises an identifier for the alarm system. In response to receiving the alarm event data, the computer can access a service subscription account associated with security services for the alarm system. Based on information maintained in the service subscription account, the computer can determine whether a processing service fee is associated with an action of forwarding the alarm event data to a central monitoring station or a mobile computing device associated with the service subscription account. If a processing service fee is associated with the forwarding action, the computer can record the alarm event data and the processing service fee in a record to support a creation of an invoice and forward the alarm event data to the central monitoring station or the mobile computing device. | 2014-05-15 |
20140136380 | Cloud Management Method of Electronic Devices - A cloud management method of electronic devices is disclosed herein. The method comprises collecting at least one first information from a electronic device by an information collector comprising a safe power switch; calculating a temporary safe interruption value by the information collector via analyzing a predetermined number of times of a working current or voltage of the electronic device, or calculating a safe interruption value by a local server or a first server; and writing back the temporary safe interruption value or the safe interruption value to the safe power switch. Preferably, a power supply of the electronic device is cut off by the safe power switch in response to the working current or voltage surpassing the temporary safe interruption value or the safe interruption value. | 2014-05-15 |
20140136381 | Financial Management Platform - A computer implemented method and system for managing financial data (FD) in real time provides a financial management platform (FMP) that aggregates and categorizes FD from financial user accounts and generates an N-dimensional financial format (NDFF) to store and render the aggregated and categorized FD in a transformed and modifiably categorized configuration on a graphical user interface (GUI). The FMP computes current metrics using the aggregated and categorized FD. The FMP dynamically adapts the current metrics to reflect changes caused by user interactions with interactive components and visualizations of the rendered FD in the NDFF on the GUI. The FMP generates dynamic real-time financial projections based on the computed and adapted current metrics and configurable parameters. A business intelligence platform integrated with the FMP provides real-time access of FMP FD and computations to third parties for analysis, real-time adaptation of business decisions, and financial regulation and monitoring of financial institutions. | 2014-05-15 |
20140136382 | METHOD AND SYSTEM FOR USING SOCIAL NETWORKS TO VERIFY ENTITY AFFILIATIONS AND IDENTITIES - Login credentials for at least one website, such as a social networking website, are received from a user purporting to act on behalf of an entity, for example, in the context of registering the entity with a system for electronic bill payment. Social data relating to the entity is retrieved from the websites using the login credentials. The social data comprises a plurality of social connections, each reflecting a respective relationship between the entity and a respective third party. A plurality of relevant social connections comprising at least a subset of the plurality of social connections is determined, each social connection of the plurality of relevant social connections reflecting a relationship to a respective third party that is deemed to be reliable. A reliability rating of the entity is then determined based on the plurality of relevant social connections. | 2014-05-15 |
20140136383 | APPARATUS AND METHOD FOR A FINANCIAL PLANNING FAITH-BASED RULES DATABASE - A method for providing financial management and planning in an electronic device according to various exemplary embodiments can include using a faith-based rules database to determine a financial and life purposed plan for a user; draft a vision statement for the user based on the financial and life purposed plan; establish personal goals and priorities based on the vision statement for the user; compile financial statement and reports for the user based on financial data of the user; generate a stewardship evaluation report that provides an analysis of management of finances by the user based on faith-based financial management rules and the purposed plan; develop financial plans for the user based on results of the stewardship evaluation report; prepare a spending and savings plan for the user to facilitate the financial plans; and iteratively monitoring and revising the steps of determining, drafting, establishing, compiling, generating, developing and preparing financial plans. | 2014-05-15 |
20140136384 | Distributed Spreading Tools and Methods - Certain embodiments provide systems, methods, and apparatus for trading in a distributed server architecture. An example method includes receiving, by a computing device, a definition for a trading strategy, wherein the trading strategy includes a first tradeable object and a second tradeable object. The example method includes selecting, by the computing device, a first server to process one or more trade orders for the first tradeable object and a second server to process one or more trade orders for the second tradeable object. The example method includes sending, by the computing device, the definition for the trading strategy to the first server and the second server. | 2014-05-15 |
20140136385 | SYSTEM AND METHOD FOR CREATING A DOLLAR INDEX BASED ON GLOBAL FOREIGN EXCHANGE TURNOVER - A system and method for creating a dollar index are provided including selecting, from a survey on foreign exchange turnover, data for plural dollar/foreign currency pairs, creating a subset of data from the daily total daily averages of each currency pair and determining the percentage weighting of each currency pair by the total value of the subset, creation of a proportionally weighted dollar index by multiplying the determined weighting of each currency pair with a reported closing price of that currency pair to generate a coefficient for that currency pair and determination of a subsequent current value of the index by multiplying each generated coefficient with a current price for a currency pair. | 2014-05-15 |
20140136386 | TRADING WITH CONDITIONAL OFFERS FOR SEMIANONYMOUS PARTICIPANTS - According to one embodiment of the present invention, a method for generating conditional offers for semi-anonymous trading participants is provided. According to one embodiment of the present invention, a method, comprises associating a trading entity with an identifier; acquiring trade history information including a history of trading transactions associated with said identifier; and receiving an offer from a Liquidity Provider based on said trade history information, said offer being only made to the trading entity associated with one of said identifiers. | 2014-05-15 |
20140136387 | DEVICE, SYSTEM, AND METHOD OF GENERATING A CUSTOMIZED TRADE ARTICLE - Some embodiments include devices, systems and/or methods of generating a customized trade article. In one embodiment, a trade-article generator application is to receive trade information including a plurality of values of one or more trade-related parameters defining at least one trade with respect to at least one financial instrument, and to automatically generate a customized electronic trade article corresponding to the trade based on a predefined trade-article layout. Other embodiments are described and claimed. | 2014-05-15 |
20140136388 | IDENTIFICATION OF ACCOUNTS THAT ARE TOO PROFITABLE OR TOO LOSSY - An electronic surveillance system or method identifies potentially suspect trading activities by determining when day trading accounts are too consistently profitable or too consistently unprofitable (lossy). The electronic surveillance system examines specific futures commodities or other securities over a specified time period (e.g., daily). Accounts that are too consistently profitable or too consistently unprofitable are flagged by the system. In addition, the system may report when a trading account experiences statistically unusually large gains or losses per contract traded and gains or losses or a high percentage of time periods. The day to day profits or losses are displayed to a user in a graphical format that expresses the profit or loss trends intuitively before additional analysis of charts or numbers. The system may also perform the analysis for pairs of accounts where trades opposite to one another of the pair are unusually consistently profitable or unusually consistently lossy. | 2014-05-15 |
20140136389 | Calendar Spread Futures - A calendar spread futures contract is a forward contract on the intermonth spread of futures contracts. The calendar spread futures contract can be independently traded and accounted for independent of the traditional roll periods of the complementary futures contracts. An open interest holder can hedge against price volatility in the related futures contracts that may occur prior to or during the roll period. In other words, the calendar spread futures contract locks in the current spread between the front-month contract and the first-deferred contract. Buying a calendar spread futures control is equivalent to buying the spread difference between the expiring contract and the second expiry. Selling a calendar spread futures contract is equivalent to selling the spread difference between the expiring contract and the second expiry. | 2014-05-15 |
20140136390 | System and Method for Pre-Marshalling Messages in an Electronic Trading Environment - System and methods for pre-marshalling messages in an electronic trading environment are provided. Specifically, pre-marshalling messages allows for client and network devices to create messages in response to a defined first condition. Pre-marshalling messages allows a trading system to do more processing up front before the message is needed and when a second condition is satisfied. Thus, when the message is needed no further or very little processing must be performed to generate and send the message. The client and/or network device may allocate a separate, unused, or under-utilized processing thread to the task of creating pre-marshalled messages. Pre-marshalled messages may be stored in memory at the network device until it is determined that the second condition has been satisfied. Once a pre-marshalled message is sent, the unused pre-marshalled messages that were stored in memory may be deleted or may be overwritten with newly pre-marshalled messages. | 2014-05-15 |
20140136391 | Determination of Banding Start Price for Order Evaluation - A banding start price may be generated using one of multiple subroutines. Each of the subroutines may generate a banding start price using a different algorithm and may have different input data criteria. Each of those subroutines may be ranked based expected accuracy of a price output by the subroutine. The banding start price may be generated by the highest ranking subroutine for which there is input data satisfying relevant criteria. | 2014-05-15 |
20140136392 | Systems and Methods for Open Execution Auction Trading of Financial Instruments - In a computerized trading system, at least one passive order from a liquidity provider is placed on a book of orders. An order received from a liquidity consumer is held for a holding period. During the holding period the order from the liquidity consumer is checked and information relating to the received order from the liquidity consumer is sent to eligible ones of one or more liquidity providers. If, during the holding period, changes to the orders on the book of orders are made by the liquidity providers, those orders are modified on the book and the book of orders is revised. Upon expiration of the holding period, the order from the liquidity consumer is matched with orders that remain on the book after any revisions. | 2014-05-15 |
20140136393 | System for Supporting an Exchange Transaction - The present invention is a system for supporting an exchange transaction, in which users can complete exchange transactions between and/or among themselves. | 2014-05-15 |
20140136394 | PRE-HEDGE RULES AND TOOLS FOR CREATING PRE-HEDGE RULES - The disclosed embodiments provide pre-hedge rules and tools for creating pre-hedge rules. An example method includes receiving an indication that a first leg of a spread trade is at least partially filled; and in response to the indication and before an order associated with a second leg of the spread trade is placed, determining whether a condition defined in a rule is satisfied and, when the condition is satisfied, performing an action defined in the rule. | 2014-05-15 |
20140136395 | METHOD AND SYSTEM FOR AN INTERFACE BETWEEN FIXED INCOME ALTERNATIVE TRADING SYSTEMS - The present invention includes a rules-based system for matching and executing qualifying fixed income securities or corporate bonds between a system for matching retail trading orders (Retail Alternative Trading System or “Retail ATS”) and another system for matching institutional trading orders (Institutional Alternative Trading System, or “Institutional ATS”) to form a single combined system. | 2014-05-15 |
20140136396 | CHARACTERIZING AN INDIVIDUAL USING INFORMATION FROM A SOCIAL NETWORK - Systems and methods for characterizing an individual using social network information are described. In some examples, the systems and methods receive a request to characterize an individual, obtain social network information associated with the individual, characterize the individual, and provide an indication of the characterization to the requestor. | 2014-05-15 |
20140136397 | METHOD AND SYSTEM FOR DETERMINING CREDIT RISK FROM DRIVING BEHAVIOR - Determining credit risk from driving behavior. At least some of the illustrative embodiments are methods including: determining an indication of credit risk related to a driving behavior of a driver in a vehicle, the determining by: detecting movement of the vehicle; collecting data related to the driving behavior of the driver; and creating the indication of credit risk for the driver. | 2014-05-15 |
20140136398 | SYSTEM AND METHOD FOR CONSOLIDATING ACCOUNT DATA - Embodiments include a method of mapping accounts from a plurality of accounting files to a set of standard accounts. In one embodiment, the method includes identifying an account type of a first account having a first account name, mapping the first account to a first one of a plurality of sub accounts of the account type, and combining an amount of the first account with an amount in the first one of the sub accounts. | 2014-05-15 |
20140136399 | METHOD FOR ESTABLISHING USER CONNECTIONS AND A COMPUTER NETWORK SYSTEM EMPLOYING SAME - A method and a computer network system for establishing fee-based contacts between users are disclosed. The system sets up a system credit account, and sets up a user credit account for each user thereof. Each user may designate a fee for establishing a contact therewith. A first user may add a second user to the contact list by paying a basic fee set up by the system and the fee designated by the second user. At least a portion of the fee paid by the first user is deposited to the system credit account and the rest is deposited to the credit account of the second user. | 2014-05-15 |
20140136400 | SYSTEM FOR THE OPTIMIZATION OF THE CREDIT CARD DECISION PROCESS - A system and method of recommending a preferred payment method for individual transactions may include a software program. A user may set up an account and input personal information, payment information and store information for a potential purchase. A server database may store the inputted information. The user may select a store choice and receive an estimate of a purchase amount. The user may receive recommended payment method based at least on the purchase amount, the payment information, user preferences and the store information. | 2014-05-15 |
20140136401 | FINANCIAL TRANSACTION SYSTEMS AND METHODS - A computer-implemented method for facilitating the transfer of funds from a sending account to a receiving account, the method including the steps of: receiving first data from a first device, the first data including: first transaction data representing a first portion of information required to transfer the funds; and second device identification data uniquely identifying a second device; transmitting request data to the second device identified by the second device identification data, at least a portion of the request data being derived from the first data; receiving from the second device second transaction data representing a second portion of the information required to transfer the funds; and generating combined transaction data from the first transaction data and second transaction data for subsequent transmission to a transaction processor. | 2014-05-15 |
20140136402 | MOBILE WIRELESS FINANCIAL INSTRUMENT FOR AUTOMATICALLY SELECTING A PAYMENT INSTRUMENT - The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem. | 2014-05-15 |
20140136403 | MULTI TENANCY FOR SINGLE TENANCY APPLICATIONS - A mechanism is provided for deploying software applications in a cloud computing environment. An administrator is provided an interface for allowing a software application that is designed for a single tenant to be used by a plurality of users. An aspect of the invention is to provide a mechanism for quickly and easily giving multi-user qualities to a single tenant application like autoCAD. As such, multiple users can access the application without the need to download and install a version locally on their system. The system is able to determine the period of time for which an application is in use for a given user, because every application is run on a resource that is part of the cloud environment. Therefore, it is possible for the application provider to charge for the application in a usage-based model—e.g., by the hour, or day—without any re-engineering of the existing application. | 2014-05-15 |
20140136404 | Dynamic Management and Netting of Transactions Using Executable Rules - Systems and methods for dynamically managing and netting transactions based on one or more sets of netting rules are disclosed. The present invention dynamically associates transactions with one or more collections based on the execution of netting rules to identify transactions that may be ideal for netting and to perform netting operations and calculations accordingly. The present invention may execute the netting rules according to the priority of the netting rule within a rule hierarchy and utilizes unique solutions allowing for the efficient processing of transactions even as netting rules are created, modified and removed from time-to-time. In addition, embodiments of the disclosed netting system utilize denormalized sets of data and maintain a complete audit trail for all operations. | 2014-05-15 |
20140136405 | SYSTEMS AND METHODS FOR PROCESSING OF PERSON-TO-PERSON ELECTRONIC PAYMENTS - A computer system for use with a memory device for facilitating person-to-person electronic payments from a payor to an account associated with a payee is provided. A payee account identifier and a payee identifier are stored in the memory device. The payor submits a request for a transfer of funds from a payor account to the payee account. The request includes the amount of funds to be transferred, a payor account identifier to indicate the source of funds, and the payee identifier. The payee identifier includes a telephone number, and in particular, a mobile telephone number associated with the payee. | 2014-05-15 |
20140136406 | SYSTEM AND METHOD FOR FLEXIBLE PAYMENT TERMS - A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance. | 2014-05-15 |
20140136407 | System and Method for Conducting Financial Transactions - A system and method for executing a financial transaction via an electronic device is provided. The methods comprises several steps. First, a request is received to designate a first account for use in a financial transaction is received, wherein the first account is associated with a first account icon located in a first location of an interface. Second, a request is received to move the first account icon to a second location on the interface, wherein the second location is associated with the financial transaction. Third, the financial transaction is initiated. | 2014-05-15 |
20140136408 | KNOW YOUR CUSTOMER (KYC) - Receiving a first set of customer identification and verification data. The first set of data is a proper subset of the data required for access to all the features of a computer-implemented account. Providing to the customer access to a first set of one or more features corresponding to the first set of data. Receiving a customer request for access to an additional feature of the account outside the first set of one or more features. Requesting a second set of customer identification and verification data, wherein the second set of data corresponds to the certain data required for access to the additional feature. Receiving the requested second set of data. Providing to the customer access to the additional feature. | 2014-05-15 |
20140136409 | METHOD FOR PROCESSING SERVICE OF AUTOMATIC TELLER MACHINE AND SYSTEM THEREFOR - A method and a system for processing a service of an automatic teller machine. The method comprises steps: (1) judging the type of a customer service, and according to requirements of a user, and combining services, which are logically associated and are in a certain processing order, into service sequences; (2) generating corresponding service sequence messages according to the service sequences, and submitting the messages to a bank foreground system and a bank background service system at one time for centralized batch processing; (3) packaging each service operation result in the service sequences in order into a service sequence processing result response message, and returning the service sequence processing result response messages to an automatic teller machine at one time; (4) the automatic teller machine analyzing the response messages, and sequentially displaying transaction results on a screen according to the service sequences. | 2014-05-15 |
20140136410 | Credit Card Fraud Detection - Methods and systems are provided for detecting and preventing fraudulent use of credit cards and the like. The amount of wear of a magnetic strip of a suspect credit card can be compared to an amount of wear of the magnetic strip of the corresponding legitimate credit card. If the amount of wear of the magnetic strip of the suspect credit card is less than the amount of wear of the magnetic strip of the legitimate credit card, then both the suspect credit card and the legitimate credit card can be deactivated. | 2014-05-15 |
20140136411 | ELECTRONIC DEVICE AND METHOD FOR CONTROLLING PAYMENT FUNCTION OF INPUT MEANS - An electronic device and a method for controlling a payment function of an input means are provided. The operating method of the electronic device includes receiving a packet periodically transmitted from an input means, determining a distance from the electronic device to the input means based on determining a signal reception strength of the packet, extracting a distance value from storage associated with a matching reception strength and sending to the input means a signal according to the extracted distance value of the input means and the received packet. | 2014-05-15 |
20140136412 | LEAST COST ROUTING INTERCHANGE FOR B2B PURCHASE CARD PAYMENTS - Methods and system for processing credit card payments, comprising receiving a credit card transaction, fabricating line item data to obtain favorable interchange rates for transactions, aggregating or disaggregating payments to obtain favorable interchange rates for transactions, and automatically deciding among various interchange rate options for transactions based on criteria chosen by the payer using these methods or system. | 2014-05-15 |
20140136413 | SYSTEM AND METHOD FOR PROVIDING A FINANCIAL TRANSACTION INSTRUMENT WITH USER-DEFINABLE AUTHORIZATION CRITERIA - Authorization limits on the use of a financial transaction instrument, such as a credit card and the like, may be set by an owner of a financial account corresponding to the financial transaction instrument. The owner provides information identifying the owner, the financial account, and the financial transaction instrument corresponding to the financial account to a computer, and also provides an owner-defined authorization limit on use of the financial transaction instrument to the computer. The authorization limit is stored in a database, which is accessed when there is a request to authorize a purchase to be made with the financial transaction instrument. The owner may communicate with the computer via a Web site, an automated call program, a kiosk, or the like. | 2014-05-15 |
20140136414 | AUTONOMOUS NEIGHBORHOOD VEHICLE COMMERCE NETWORK AND COMMUNITY - A method, device and system of an autonomous neighborhood vehicle commerce network in a community are disclosed. An autonomous neighborhood vehicle includes a set of wheels aligned in a pattern to provide the autonomous neighborhood vehicle stability while traversing a sidewalk, a bike lane and a roadway. The autonomous neighborhood vehicle has an electronic locking mechanism and a storage compartment which is capable of storing items. The embodiment includes a computer system of the autonomous neighborhood vehicle communicatively coupled to a commerce server of a neighborhood communication system through a wireless network to autonomously navigate the autonomous neighborhood vehicle to a destination specified by the commerce server. A navigation server of the autonomous neighborhood vehicle provides a remote sensing capability to the autonomous neighborhood vehicle such that the autonomous neighborhood vehicle is autonomously navigable to the destination. | 2014-05-15 |
20140136415 | WIRELESS FINANCIAL TRANSACTION SYSTEMS AND METHODS - A system operates to carry out financial transfers in response to data read from data bearing records. A cell phone having a camera stores in memory indicia corresponding to account data from a plurality of magnetic stripe cards. A user can operate the phone to select one of the accounts stored in the memory. The memory further includes a scanned user-identifying written signature. The user can use the phone during an item purchase to wirelessly transmit each of an item's identifier captured by the camera, selected account data, and the user signature. | 2014-05-15 |
20140136416 | METHOD AND SYSTEM FOR LICENSE SERVER SYNCHRONIZATION - A method and system for license server synchronization are disclosed. According to one embodiment, a computer-implemented method comprises receiving a first capability request from a licensing server, transmitting a first capability response to the licensing server. The licensing server provides a second capability response to a device, and the second capability response is in response to a second capability request sent by the device to the licensing server. The second capability response includes one or more capabilities included in the first capability response. A server synchronization message is received from the licensing server and a request for payment is transmitted to a service provider, wherein the request for payment is generated based on the server synchronization message. | 2014-05-15 |
20140136417 | 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. | 2014-05-15 |
20140136418 | SYSTEM AND METHOD FOR APPLICATION SECURITY - A secured hardware token includes an embedded processor, secured persistent storage, and read only memory. The storage includes functionality to store data that includes an account master secret for an account at a financial institution. The memory includes a security application, which causes the processor to receive, from a financial institution application executing on a mobile device, a call for an n-bit result. The security application further causes the processor to obtain, from the secured persistent storage, the account master secret, construct the n-bit result specific to the call using the account master secret and the n-bit generator input as input to an n-bit generator in the security application, and return the n-bit result to the financial institution application. The financial institution application provides the n-bit result to the financial institution, which completes a financial transaction when the n-bit result is verified using a copy of the account master secret. | 2014-05-15 |
20140136419 | LIMITED USE TOKENS GRANTING PERMISSION FOR BIOMETRIC IDENTITY VERIFICATION - Systems and methods are described herein for granting permission for biometric identity verification by a third-party using a limited-use token. A merchant point of sale (“POS”) system may receive transaction payment information from a mobile device associated with a customer. The customer may consent to biometric verification allowing the mobile device to provide customer identification information and a biometric verification token to the POS system. The POS system can collect a sample of biometric information from the customer. The biometric verification token may be transmitted to an identity verification service to be authenticated as originating from the mobile device of the customer. Upon successful authentication of the biometric verification token by the identity verification service, the service may evaluate the biometric information collected from the customer as corresponding to the customer identification or not. | 2014-05-15 |
20140136420 | SYSTEM AND METHOD FOR NEW EXECUTION AND MANAGEMENT OF FINANCIAL AND DATA TRANSACTIONS - A system and method for execution of financial and data transactions includes a point-of-sale device configured to execute a transaction in which at least one good or service is sold to an individual having a card with a storage medium encoding a card number. The transaction is completed after said point-of-sale device receives a data transmission authorizing said transaction. The point-of-sale device is configured to communicate via the Internet with a first computing system. The first computing system stores a set of instructions that cause the first computing system to evaluate the transaction to determine whether the transaction is to be authorized, and to send a transmission authorizing the transaction via the open network to said point-of-sale device. | 2014-05-15 |
20140136421 | METHOD OF REGISTERING A MEMBERSHIP FOR AN ELECTRONIC PAYMENT, SYSTEM FOR SAME, AND APPARATUS AND TERMINAL THEREOF - The present invention relates to a method of registering a membership for an electronic payment, a system for same, and an apparatus and a terminal thereof. The system according to the present invention includes: a terminal for receiving an application identifier, registering payment means information and processing a membership registration completion, when at least one or more of first authentication information, second authentication information and fourth authentication information input by a user is authenticated; and a membership registration apparatus for, when at least one or more of a first authentication procedure completion signal, a second authentication procedure completion signal and a fourth authentication procedure completion signal is received from the terminal, confirming whether membership application of user information on the terminal is performed, allocating the application identifier to perform electronic payment, and completing membership registration for the user information on the terminal after registering the payment means information. | 2014-05-15 |
20140136422 | METHODS AND SYSTEMS FOR DATA SERVICES - A method substantially as shown and described the detailed description and/or drawings and/or elsewhere herein. A device substantially as shown and described the detailed description and/or drawings and/or elsewhere herein. | 2014-05-15 |
20140136423 | METHODS AND SYSTEM FOR WARRANTY REGISTRATION AND PROCESSING - Disclosed embodiments generally relate to the registration of product warranties. More particularly, the disclosed embodiments relate to systems and methods for enhancing and optimizing the ability to process warranty registrations. In one aspect, the disclosed embodiments include a processor-implemented warranty management method. In one embodiment, one or more processors may receive, from a mobile device, a product purchase receipt image. The processors may use optical character recognition to extract product purchase data from the product purchase receipt image. In another aspect, the processor may identify, by parsing the product purchase data, one or more product warranty terms including a product warranty time. In yet another aspect, the processors may generate a product warranty data structure comprising the one or more product warranty terms. The processors may provide the product warranty data structure for storage in a memory device. | 2014-05-15 |
20140136424 | SYSTEM AND METHOD FOR CREATING A CUSTOMER PROFILE BASED ON HISTORY OF SERVICE - Disclosed is a system and method for providing a view of energy usage data or events generated by at least one AMI meter and customer profile information. The system and method involves the collection of information about a customer by different business units which are part of a service provider. The system and method includes a user computer having the capability of gathering data about a customer from the different business units, including energy usage data. The user computer may calculate a level of satisfaction of the customer with respect to that customer's interactions with the different business units and display icons reflecting such levels of satisfaction through use of widgets. | 2014-05-15 |
20140136425 | FRAMEWORK FOR PROVDING ELECTRONIC LICENSES AND LICENSING PROGRAMS - Methods and system for providing licensing programs are provided. The electronic license may specify a number of available licenses based on the count property, a license model for calculating a number of used licenses based on the count type property, a number of available overdraft licenses based on the overdraft property, and an interval of available time within which return of a used license is accepted, which is based on the return interval property. The electronic license may then be distributed together with the licensing program to the licensee. A new electronic license can be deployed by the licensee without a need to update previously installed licensing program. The combination of count-related license properties may be applicable to a great variety of license models and deployments. | 2014-05-15 |
20140136426 | SYSTEM AND METHOD FOR CAPACITY LICENSING - A method and system for capacity licensing are disclosed. According to one embodiment, a computer implemented method comprises receiving a capability request from a device, sending a capability response to the device, the capability response comprising a serving of license rights. A deduction record is stored, the deduction record deducting a license from a license pool. An information request is received from the device, and an information response is sent. | 2014-05-15 |
20140136427 | DISTRIBUTED LICENSE MANAGEMENT - Techniques for distributed license management are provided. Three or more services or servers cooperate and negotiate with one another to establish primary, secondary, and tertiary licensing services. Initially, the primary is designated as a master licensing service and manages a license for a plurality of users over a network. If the primary fails to respond within a configurable period of time to both the secondary and tertiary licensing services, then the secondary dynamically assumes a master licensing service role for purposes of managing the license. | 2014-05-15 |
20140136428 | VALIDATING A COMPANY USING INFORMATION FROM A SOCIAL NETWORK - Systems and methods for validating a company based on information provided by a social network are described. In some examples, a social network receives a request to validate a company, identifies information associated with the company, and validates the company based on the identified information. | 2014-05-15 |
20140136429 | SYSTEMS AND METHODS FOR TRACKING THE USAGE OF ENVIRONMENTALLY EFFICIENT SHIPPING EQUIPMENT AND FOR PROVIDING ENVIRONMENTAL CREDITS BASED ON SUCH USAGE - Various systems and methods for tracking the usage of shipping equipment are disclosed. An environmental benefit associated with the use of the shipping equipment may be determined and corresponding environment credits may be awarded based on the environmental benefit. In some embodiments, the movement and, optionally, the environmental conditions of a shipment or shipping equipment may be tracked as the shipment progresses from an originating location to a destination location. In some embodiments, a shipment or shipping equipment may be tracked by generating a data object that is transported with the shipment. The data object may be updated with the route, environmental conditions and timing of the transportation of the shipment. The data object may be transferred to various devices and locations for transport or storage with the shipment or shipping equipment. Data recorded in the data object may then be used to deliver environmental credits based on the stored data. | 2014-05-15 |
20140136430 | PRODUCT INTEGRITY MONITOR - A small electronic, device system comprising a product integrity monitor; a reader; a processor; and a database, wherein the product integrity monitor senses an environment condition and stores or communicates the condition to the processor and database through the reader and is analyzed by the processor. The system may also comprise a remote control operable to store, communicate, and process the data. | 2014-05-15 |
20140136431 | DIGITALLY SECURED ELECTRONIC TITLES FOR PRODUCTS IN SUPPLY CHAINS - Computer-implemented methods and systems are provided for inhibiting entry of unauthorized products in a supply chain. The methods and systems feature unique identifiers placed on products in the supply chain and Digitally Secured Electronic Titles (DSETs) for products. The DSETs are exchanged upon transfer of the products in the supply chain and tracked in an electronic registry. | 2014-05-15 |
20140136432 | USING SOCIAL NETWORK CONNECTIONS TO RECOMMEND MERCHANTS AND PRODUCTS - The invention provides a computer-implemented method for using social network connections to recommend merchants and products. The method comprises receiving a set of transaction data from a plurality of transactions, the transaction data comprising an identity of one or more customers and information relating to the experience of the customer with the transaction; categorizing the transaction data; storing the transaction data in a database; receiving a request from a user network device associated with a user, the request comprising the identity of a merchant or a product associated with a website; searching the social graph of the user for instances of the one or more customers; identifying one or more contacts in the social graph of the user that are in the database; and communicating the experiences of the contacts in the social graph of the user that are in the database to the user network device. | 2014-05-15 |
20140136433 | REFERRING MEMBERS OF A SOCIAL NETWORK AS JOB CANDIDATES - Systems and methods for referring members of a social network as job candidates are described. In some examples, the systems and methods receive information associated with a job or a company associated with a job, identify members of a social network based on attributes for the members, and perform an action (e.g., send an email or update a widget on a profile page) associated with a member of the social network that is connected to the identified members and affiliated with the company. | 2014-05-15 |
20140136434 | REFERRING MEMBERS OF A SOCIAL NETWORK AS JOB CANDIDATES - Systems and methods for referring members of a social network as job candidates are described. In some examples, the systems and methods receive information associated with a job or a company associated with a job, identify members of a social network based on attributes for the members, and perform an action (e.g., send an email or update a widget on a profile page) associated with a member of the social network that is connected to the identified members and affiliated with the company. | 2014-05-15 |