30th week of 2014 patent applcation highlights part 58 |
Patent application number | Title | Published |
20140207591 | INTEGRATING LOCAL PRODUCTS INTO GLOBAL WEB SERVICES, - Systems and methods are disclosed herein for integrating locally carried products into web services provided by a global server. A user computing device, such as a mobile phone, is used to scan optical codes for products. A product identifier extracted from the optical code is used to request product information from a global server system with respect to the product or to take an action with respect to the product, such as adding the product to an electronic shopping cart. For locally carried products, notice may be provided to the user computing device to scan the product using an in-store scanner. Upon scanning the optical code, the in-store scanner retrieves product information from a local server system and encodes this information in an optical code, which the user computing device scans in order to use with respect to a web service or web-integrated transaction. | 2014-07-24 |
20140207592 | Real-Time Transaction Data Processing and Reporting Platform - A processing server may receive transaction data from one or more point of sale (POS) terminals in near real-time. Transaction data received from each of the POS terminals may be in a format that is specific to the POS terminal. Upon receiving the transaction data having the POS specific format, the processing server may convert the transaction data to a common format that is compatible with the operations of the processing server. Further, the processing server may index the converted transaction data into one or more categories. Responsive to indexing, the processing server may generate aggregate data from the indexed transaction data. Further, the processing server may receive a request for a data report associated with the aggregate data. Responsive to receiving the request, the processing server may generate the data report, format the data report to match a user preference, and transmit the data report for presentation. | 2014-07-24 |
20140207593 | COMBINATION PAYMENT CARD AND METHODS THEREOF - Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited. | 2014-07-24 |
20140207594 | SYSTEM, METHOD, AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment. | 2014-07-24 |
20140207595 | SYSTEM, METHOD AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment. | 2014-07-24 |
20140207596 | AUTOMATED TRANSACTION MACHINE - An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc. | 2014-07-24 |
20140207597 | SYSTEM, METHOD, AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment. | 2014-07-24 |
20140207598 | SYSTEM AND METHOD FOR MANAGING PREPAID CARDS - A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships. | 2014-07-24 |
20140207599 | SYSTEMS AND/OR METHODS FOR DETERMINING ITEM SERIAL NUMBER STRUCTURE AND INTELLIGENCE - Certain exemplary embodiments relate to techniques for determining the correct item serial number structure, even when information regarding the serial number data and/or structure is lacking. Such techniques advantageously promote data integrity by helping to ensure that the desired data is captured correctly, while also reducing (and sometimes even eliminating) the need to obtain detailed information regarding serial number structure and intelligence that sometimes is guarded by producers/manufacturers. Statistical sampling of collected unknown data formats may be used to help decipher product identification numbers (or other numbers) such as product serial numbers through a repetitive process of scanning a known constant such as the UPC number, followed by a variable number such as a products serial number. Certain exemplary embodiments check serial number against a database containing algorithms to determine if and which algorithm is used to create such serial numbers. | 2014-07-24 |
20140207600 | SYSTEM AND METHOD FOR COLLECTION AND MANAGEMENT OF ITEMS - A method for collecting returned items and evaluating return policy criteria with respect to collected items, and a system for the same, are disclosed. The method includes providing a station, such as a kiosk terminal, preferably at a pharmacy location. The station includes a computer and a user interface including a touch screen interface. Items, for example, pharmaceutical items to be returned are brought to the station. The user enters information at the station, such as by scanning a bar code on a container of the item, weighing the item or its contents, and entering lot number and expiration date associated with the item. In the event of pharmaceutical items, the station determines whether the item is a controlled or non-controlled substance and opens a chute for the user to deposit the item into a receptacle selected based on the determination. | 2014-07-24 |
20140207601 | SYSTEMS AND METHODS FOR A NON-DESTRUCTIVE TESTING ECOSYSTEM - A non-transitory computer readable medium may include executable instructions which, when executed by a processor, cause the processor to provide for a non-destructive testing (NDT) ecosystem. The NDT ecosystem includes a repository of digital content, and a store configured to sell the digital content to a customer, wherein the digital content is executable by a NDT device and wherein the digital content is created by a plurality of entities. | 2014-07-24 |
20140207602 | SYSTEM, METHOD AND DEVICE FOR SUBSCRIBING TO CONTENT - A method includes (a) receiving periodic subscription fees from subscribers of a content subscription service, (b) updating an electronically maintained account of the subscriber to reflect an additional amount of scrip corresponding to each subscription fee, and (c) enabling the subscriber to obtain items of content in amounts and at times determined arbitrarily by the subscriber in exchange for amounts of scrip in the subscriber's account. | 2014-07-24 |
20140207603 | System for Personalizing a Notification Message - The present invention discloses a computerized system for personalizing a notification message, comprising: (a) a communication device for display a digital content on notification (b) a computer readable medium comprising one or more functional modules including (i) a receiving unit for enabling a user to personalized his incoming notification; (ii) a sending unit for enabling a user to personalized his outgoing notification, (iii) an uploading unit for enabling a user and/or publisher to upload a digital content; (iv) a downloading unit for enabling a user to downloaded a digital content. The communication device configured to utilized said units for personalized an outgoing and incoming notification, for presenting said personalized notification on said contact communication device, and for enabling transactions regarding ordering and purchasing said digital content. | 2014-07-24 |
20140207604 | WEB-BASED TECHNIQUE FOR DYNAMIC COMPETITIVE PRICING - Embodiments relate to a method, system and program product relating to dynamic competitive pricing. An aspect includes a method for providing digital auctions that uses a network manager to establish processing communication to at least one vendor participants. The network manager receives information about a consumer's contemplated purchase through a consumer's digital device. The information includes conditions related to the contemplated purchase. The information and conditions about the contemplated purchase of the consumer is then communicated, via the network manager, to the vendor participants. The network manager communicates back to the consumer a most advantageous offer provided by the vendor participants relating to the contemplated purchase through a webpage provided by the network manager. | 2014-07-24 |
20140207605 | INVITATION-TO-BID MANAGEMENT SYSTEM - A system is described that provides a single dashboard that organizes and displays all invitations-to-bid that have been received by a user from all of their various bid opportunity sources. The system also provides analytics and report functionality to prioritize invitations-to-bid and identify optimal project opportunities. Based on user-defined criteria, the system can be enabled to automatically respond with an approval or a rejection of certain invitations. In some embodiments, the system provides automatic notifications of bid deadlines to ensure that bid submissions are received on time. | 2014-07-24 |
20140207606 | PRODUCT DESIGN SYSTEM - A product design system is disclosed, the system comprising a user input device, a display device, and a product database containing product template files, each product template file containing a representation of a product and a dimension of the product. The system includes a product selection module for selecting a product template file from the product database based on user input from the user input device. An in-store display module is also provided for displaying the representation of the product together with a representation of a merchandise display unit, wherein the in-store display module displays the product and the merchandise display unit at a relative size determined by the dimension of the product contained in the selected product template file and a stored dimension of the merchandise display unit. | 2014-07-24 |
20140207607 | SYSTEM FOR CUSTOMIZING A BALL BAT - A system for customizing a ball bat for a user includes a processor, a display operably coupled to the processor, an input mechanism, and a memory operably coupled to the processor. The ball bat includes a handle portion, a barrel portion and an element. The electronic device is configured to provide first, second third and fourth user interfaces to the user. The first, second and third user interfaces include a representation of at least one handle portion, one barrel portion and one element, respectively. The first, second and third user interfaces are configured to enable the user to select at least one characteristic of the handle portion, the barrel portion and the element, respectively. The fourth user interface includes a representation of the bat including the handle portion, the barrel portion and the element. The input mechanism is configured to enable the user to confirm the selected combination. | 2014-07-24 |
20140207608 | System of Providing an Enhanced Salon Experience - The system, utilizing a computer and network, stores and sorts various hair styling data and determines the best hair cut, color and style for a hair salon customer, based upon the inputted information and characteristics and the desires of the hair salon customer. Data inputted includes information relating to hair styles, hair color and texture, hair types, and characteristics of salon clients, such as hair type, head structure, hair color and texture, and appearance characteristics. The system includes an initial client consultation, inputting body, facial and hair characteristics into a Client profile data file, scheduling appointments and reviewing the system with the client, customizing an at-home care maintenance plan with products, ongoing electronic communication reminding clients of appointments and at-home care maintenance steps and any new products that fit their needs and looks they may like to consider, tutorials, and ongoing appointments to achieve the desired client look. | 2014-07-24 |
20140207609 | GENERATING AND MAINTAINING A LIST OF PRODUCTS DESIRED BY A SOCIAL NETWORKING SYSTEM USER - A social networking system associates a wish list with a user's profile on the system. Additional users connected to the user may add products to the user to the user's wish list. The user is notified of products added to its wish list, allowing the user to approve or reject addition of the products to its wish list. Allowing other users to add products to a user's wish list creates a dialog between users around the added products. Users may also comment on products presented via a wish list page, allowing conversations to be created between users about various products on a user's wish list, enabling further conversation between users. | 2014-07-24 |
20140207610 | BUYER INTERFACE FOR A GIFT TRANSACTION SYSTEM - A gift transaction system with a buyer interface is disclosed. The buyer interface facilitates personalization by a buyer of a gift package to send to a recipient. A method of operating a gift transaction system with the buyer interface includes: determining gift intent of a buyer account to send a gift item in a gift transaction; generating a buyer gift interface to receive a recipient contact entry of a recipient in response to the determined gift intent; generating an interactive gift notification to the recipient contact entry to receive a confirmation of the gift transaction; and sending a notification to a merchant store to ship a gift package to the recipient in response to receiving the confirmation. | 2014-07-24 |
20140207611 | PERSONALIZED AUTOMATED SHOPPING SYSTEM AND METHOD - A personalized, automated shopping system and method includes generating a virtual hold tag in a shopping application on a computer that provides one or more items for sale to a consumer operating a client computing device. The shopping application is associated with a retailer of the one or more items. The system and method includes associating at least one of the one or more items with the virtual hold tag in the shopping application, and generating a collage of items associated with the virtual hold tag, the collage of items being a single visual representation of each item associated with the virtual hold tag. The system and method further includes transmitting the collage of items to the consumer via the client computing device, and providing, for the client computing device, an interface configured to allow the consumer to buy, hold, or decline each item in the collage of items. | 2014-07-24 |
20140207612 | SYSTEM AND METHOD FOR MANAGING GIFTS - Disclosed herein are systems, methods, and computer-readable storage devices for receiving, from a giver, identification of a recipient and identification of a product associated with the recipient. The system can generate an offering including at least one product for selection by the recipient, wherein the offering is associated, prior to generating an offering, with a giver payment and delivery account that includes a payment account of the giver and address delivery information for the recipient. The system can associate the offering with a recipient device, and, upon receiving a selection from the recipient of a selected product in the offering via the recipient device, process purchase and delivery of the selected product based on the payment account of the giver and address delivery information included in the giver payment and delivery account for the recipient. | 2014-07-24 |
20140207613 | SYSTEM AND METHOD FOR REPUTATION-BUILDING VOLUNTARY DIGITAL COMMERCE - Described herein are methods and apparatus for providing a reputation-building voluntary digital commerce system. Under this system, a new type of payment referred to herein as a “Compelled Payment” is a voluntary digital payment that contributes to building the consumer's reputation (the “C-Rep”). The C-Rep is, in certain embodiments, a quantity which has one or more attributes that provide a measure of the consumer's stature, in absolute terms or in comparison with others. In a compelled payment system, the consumer's C-Rep may determines significant aspects of the consumer's digital experience such as the speed, variety, currency (i.e. how recent), quality and quantity of digital content, goods or services (i.e. the wares) the consumer is offered or is able to access anywhere in the consumer's digital experience with C-Merchants. | 2014-07-24 |
20140207614 | METHOD AND SYSTEM FOR ASSISTING CUSTOMERS IN RETAIL STORES - Methods and systems for assisting customers in retail stores are described. The method comprises obtaining one or more assistance requests from a customer mobile device. The one or more assistance requests include customer device location and assistance information. Further, the assistance information includes at least one of a customer image, a text message, a video, and an audio. The method further comprises analyzing the one or more assistance requests to obtain assistance details. The assistance details include customer data and store associate data. Further, the method comprises transmitting the customer data and the store associate data to store associate mobile devices and the customer mobile device respectively for assisting the customer. | 2014-07-24 |
20140207615 | TECHNIQUES FOR LOCATING AN ITEM TO PURCHASE IN A RETAIL ENVIRONMENT - A current location of a portable computerized device can be determined within a retail store. A computer-implemented method to provide a directional aid for a consumer within the store includes receiving an item being sought within a retail store, monitoring, at the processing device, the current location of a portable computerized device, determining an in-store location of the item being sought; and displaying to the consumer a graphic describing a direction and a distance from the current location to the in-store location of the item being sought. | 2014-07-24 |
20140207616 | METHOD FOR PROVIDING SHOPPING INFORMATION USING A MOBILE TERMINAL AND USER INTERFACE FOR PROVIDING SHOPPING INFORMATION USING THE MOBILE TERMINAL - The present disclosure relates to a method of providing shopping information using a mobile terminal capable of providing shopping information on a home screen page and a user interface for providing shopping information using the mobile terminal. | 2014-07-24 |
20140207617 | METHOD FOR PROVIDING SHOPPING INFORMATION USING A MOBILE TERMINAL AND USER INTERFACE FOR PROVIDING SHOPPING INFORMATION USING THE MOBILE TERMINAL - The present disclosure relates to a method of providing shopping information using a mobile terminal capable of providing shopping information on a home screen page and a user interface for providing shopping information using the mobile terminal. | 2014-07-24 |
20140207618 | PROCESSES AND SYSTEMS FOR ACHIEVING AND ASSISTING IN IMPROVED NUTRITION BASED ON FOOD ENERGY DATA AND RELATIVE HEALTHFULNESS DATA - Processes are provided for controlling body weight of a consumer, as well as for selecting and purchasing foods, and for producing food products, based on a combination of food energy data and relative healthfulness data for a candidate food. Various ways are provided for obtaining and accessing the food energy data and relative healthfulness data. Related processes and systems are also provided for assisting in the foregoing processes. | 2014-07-24 |
20140207619 | System and Method for Multiple Product and Price Discovery - A system and computer-implemented method are disclosed for optimizing product purchasing to enable consumers to efficiently locate and purchase multiple goods and/or services. A centralized product and price discovery system employs a computer implemented method for determining an optimized purchasing plan using user defined and system defined preferences including the cost of individual products at different locations, product specification differentiation (size, weight, origin of manufacture, user rating), and the cost and/or time to obtain the products from those locations. The optimized plan depends on such factors as the type of transportation employed or the desired maximum distance to be traveled to obtain all the products. The system also improves a vendor's ability to understand the purchasing behaviour of consumers (by region, interests etc.) including the current demand, pricing and frequency of purchases and the type of products being purchased together. | 2014-07-24 |
20140207620 | Systems and Methods for Taxonomy-Based Price Adjustments and Product Location - Systems and methods for price adjustment location systems in accordance with embodiments of the invention are illustrated. In one embodiment, a product location system includes a processor and memory, wherein the memory is configured to store a price adjustment location application and wherein the price adjustment location application configures the processor to obtain a search query, where the search query includes product budget data identifying at least one product price threshold, determine at least one product category based on the obtained search query, where a product category describes a grouping of products, identify at least one price adjustment based on the determined at least one product category and the product budget data, where the at least one relevant price adjustment falls within a specified budget based on the at least one product price threshold, and generate a listing of relevant price adjustments based on the identified price adjustments. | 2014-07-24 |
20140207621 | SYSTEM FOR MANAGEMENT OF RETAIL AND WHOLESALE WINE INVENTORY AND A CONSUMER TRACKING SYSTEM DERIVED FROM CONSUMER INITIATED DATA - WineScan is a system of providing a web-based, mobile-enabled wine community for wineries, retailers and consumers. This system uses industry data, consumer preference data and location data stored in a database to provide consumers with personalized location-based wine recommendations. Analysis of the consumer preference data collected provides marketing data back to retailers, wholesalers and vintners. | 2014-07-24 |
20140207622 | INTENT PREDICTION BASED RECOMMENDATION SYSTEM USING DATA COMBINED FROM MULTIPLE CHANNELS - User intent is identified while the user browses online and recommendations are provided to the user. The recommendations are based on the identified intent, interests, and preferences of the user who is performing the searches. The determination of user intent and interests is based on a statistical model derived from data compiled from the user and a plurality of other users. Other resources may also be determined to be relevant, for example, because of past interactions of the user, memberships of the user in ecommerce websites, the user's interests and preferences are similar to those of other users, and so on. The result of the user search is a ranked set of recommendations that is provided to the user. | 2014-07-24 |
20140207623 | PRICE DIFFERENTIATION BY MARKET FOR IN-APP SOFTWARE PURCHASES - Different prices may be charged for an In-App Purchase (IAP) for a same item based on a market associated with the user. For example, a user in one market may be charged a different price for an item than what is charged for the item to a user in a different market. A different product identifier is associated with the item for each of the different markets for the item. The item is submitted to the application store as different items that have the different product identifiers for each of the different markets. When an IAP request for an item is received from a user, a market that is associated with the user is determined based on a location associated with the user. After determining the market for the user, the product identifier that identifies the product is used to obtain the item from the application store. | 2014-07-24 |
20140207624 | FRAMED IMPLEMENTATION FOR PAYMENT WIDGETS - A system and method process an electronic commerce transaction between a consumer and a merchant over a communications network. A checkout webpage of a virtual shopping cart of the merchant is displayed by a consumer device and an initialization routine of the checkout webpage is performed by the consumer device. The initialization routine segments the checkout webpage to display a widget webpage of a service provider within the checkout webpage. Content of the widget webpage is loaded and displayed independent of content of the checkout webpage. A bootstrap routine of the widget webpage is performed by the consumer device to add a payment widget to the widget webpage and to display the payment widget with the checkout webpage. Further, the transaction is processed by the consumer device to completion using the payment widget. | 2014-07-24 |
20140207625 | SYSTEM AND METHOD FOR THE DISTRIBUTION OF SOFTWARE PRODUCTS - A system and method for selling software products over a network. The system includes a server computer with access to software products. The system is configured to allow a user to purchase a subscription for the periodic acquisition of selected software products. In one embodiment, as part of the subscription, the user pays an amount during selected billing intervals. In return, the system issues to the user a number of credits for downloading at no additional charge at least one of the software products during a credit interval, which may be equal in length to the billing interval. In one embodiment, the system debits a number of credits in response to fulfilling a user's purchase request. The system may be also configured to deduct credits that are not used within selected credit intervals. | 2014-07-24 |
20140207626 | SYSTEM AND METHOD OF SELLING MARKET-BASED ACCESS TO SCARCE RESOURCES - A method of providing real-time market prices to purchase access to the desired places, products, events, services, etc. includes the step of providing a user interface through which a real-time, market-based, variable price for accessing a preferred position in an existing queue for a scarce resource is presented to a user, whereby the user may purchase access to the preferred position in the queue at the real-time, market-based variable price. The user interface may be provided through a mobile electronic device. In one example, a system for providing real-time, market-based access to a scarce resource includes: a mobile electronic device; and a user interface enabling a user to purchase access to a preferred position in an existing queue for a scarce resource at a real-time, market-based, variable price through the mobile electronic device. | 2014-07-24 |
20140207627 | Interface for Price Determination - A system and method for determination of a parameter is disclosed, wherein a use controls the position of a mobile element in an animation. For instance, the user may affect the position of an animated element using the mouse, and may start or stop the element using the mouse button. The method may be used for instance to determine a price, volume, or other parameter. | 2014-07-24 |
20140207628 | GIFT TRANSACTION SYSTEM ARCHITECTURE - A system architecture of a gift transaction system is disclosed. The gift transaction system can include a buyer interface module, a recipient interface module, a merchant backend interface module, a store front interface module, a curation module, a reminder module, an analytics module, or a media plug-in interface module. A method of operating the gift transaction system under the system architecture includes: providing an embedded widget on a website to determine gift intent to initiate a gift transaction by a buyer account for a recipient account; generating a gift buyer interface for a first client device to personalize a gift package including a gift item; generating a gift recipient interface for a second client device to customize the gift package; and communicating with a merchant backend system to complete the gift transaction to ship the gift package. | 2014-07-24 |
20140207629 | SYSTEM, METHOD, AND APPARATUS FOR IDENTIFYING AND AUTHENTICATING THE PRESENCE OF HIGH VALUE ASSETS AT REMOTE LOCATIONS - A method includes providing an electronic module configured to retrieve vehicle specific data associated with a vehicle, obtaining the vehicle specific data from the vehicle using the electronic module, and wirelessly bi-directionally communicating the vehicle specific data with a mobile device(s) near the vehicle. A system includes providing an electronic module configured to retrieve vehicle specific data associated with a vehicle, wherein the electronic module bi-directionally communicates the vehicle specific data while the electronic module is interfaced with the vehicle and only while the electronic module is interfaced with the vehicle. | 2014-07-24 |
20140207630 | METHOD FOR TRANSACTIONAL PREDICTION AND ESTIMATION - A method for transactional prediction and estimation is presented. The method can include assembling, using a computer system, at least one of transactional data and financial data acquired from at least one online transaction partner of a transaction source, and generating, using the computer system, a predicted regulatory reporting obligation based on the at least one of transactional data and financial data. Upon determining, using the computer system, the predicted regulatory reporting obligation includes a regulatory reporting about the transaction source by the at least one online transaction partner, the method includes generating a report of estimated financial reporting data including potential expenses incurred by the transaction source. | 2014-07-24 |
20140207631 | Systems and Method for Analyzing and Validating Invoices - A system and method for management and processing a plurality of types of invoices at a user's site involving importing the plurality of types of invoices to provide comparable invoices and auditing the comparable invoices by performing an automated reasonability test on the comparable invoices. The system and method also provide a means for approving, processing and reporting on the comparable invoices. | 2014-07-24 |
20140207632 | BUDGET-AWARE EVENT INFORMATION COLLECTION DURING PROGRAM EXECUTION - Embodiments of techniques and systems for slowdown-budget-aware event information collection are described. In various embodiments, a system may be configured to control collection of information for events associated with execution of a program during execution of the program based on a slowdown cost budget. In various embodiments, the slowdown cost budget may be set in order to help keep slowdown experienced due to associated event information collection within a range around the budget. In embodiments, this may provide a user with greater control over the effects of the associated event information collection and instrumentation than would be available due to simple sampling rate control. Other embodiments may be described and claimed. | 2014-07-24 |
20140207633 | SYSTEM FOR TRANSACTIONAL PREDICTION AND ESTIMATION - A system for transactional prediction and estimation is presented. The system can include at least one server computer communicatively coupled to a network. The at least one server computer is configured to assemble at least one of transactional data and financial data acquired from at least one online transaction partner of a transaction source, and generate a predicted regulatory reporting obligation based on the at least one of transactional data and financial data. Upon determining the predicted regulatory reporting obligation includes a regulatory reporting about the transaction source by the at least one online transaction partner, the at least one server computer is configured to generate a report of estimated financial reporting data including potential expenses incurred by the transaction source. | 2014-07-24 |
20140207634 | REFUND PURCHASE SYSTEM - A system provides a software program that receives tax return information with an anticipated tax refund and taxpayer demographic information and automatically generates optional sell offers with corresponding discounted purchase prices. The sell offers and purchase prices are calculated for a portion of the refund at different levels (high, medium, low), and the system generates the documents that the taxpayer electronically signs to authenticate the offers. The system has a server which evaluates the offers for purchase based on several risk factors and either can select any of the offer levels that satisfy the purchaser's risk requirements. If none of the offer levels satisfy the risk requirements, the server reports back that the offers are rejected. For a selected offer, the system authorizes a payment of the discounted purchase price to the taxpayer when the taxing authority approves the return, before the taxing authority processes the refund for payment. | 2014-07-24 |
20140207635 | WIRELESS TIME ATTENDANCE SYSTEM AND METHOD - A system and method for tracking and communicating time and attendance data for workers at a remote worksite is disclosed. A portable time and attendance device is configured to receive and store worker time attendance data and transmit the data to a remote computer via a wireless network, such as a wireless cellular communications network. In order to conserve battery power, a main unit of the device periodically queries an electronic time and attendance clock of the device according to a pre-established schedule to determine if new worker time and attendance data has been received. If so, according to the pre-established schedule, the new worker time and attendance data is transmitted to the remote computer via the wireless network. Otherwise, certain functions and components of the device remain in a low battery usage sleep mode. | 2014-07-24 |
20140207636 | SYSTEMS AND METHODS FOR MODIFYING COLOR CHARACTERISTICS OF AN IMAGE - Disclosed embodiments relate to a method implementable on a computing device for modifying color characteristics of an image. The method includes identifying one or more regions in the image based on a luminance value associated with one or more pixels in the image. Each region comprises a first set of pixels having a predefined range of luminance values. The first set of pixels is categorized in a first set of predefined color categories corresponding to the each region based, at least in part, on a chroma value associated with each pixel in the first set of pixels. Each predefined color category in the first set of predefined color categories comprises a second set of pixels. The color characteristics of the second set of pixels are modified based on a region and a predefined color category associated with the second set of pixels. | 2014-07-24 |
20140207637 | System and Method for Using Credit/Debit Card Transaction Data to Determine Financial Health of a Merchant - A system and a method for determining financial health of a selected merchant based on chargeback transaction data in a database of transactions. An indication, which can be a number representative of financial health, is generated by comparing the number of chargeback transactions for the selected merchant with the total number of transactions not involving chargebacks for that merchant. The comparison can be made during various time periods, such as from a month to a year. The indication representative of financial health for selected merchants may be made available to a cardholder or consumer, especially a cardholder who has purchased one or more undelivered forward-sold goods and/or services from the merchant. The system and method helps ensure that a cardholder is informed in a timely manner of bankruptcy or insolvency of a merchant, thereby allowing the cardholder to take remedial action. | 2014-07-24 |
20140207638 | SYSTEMS AND METHODS FOR OPTIMIZING WEALTH - Systems and methods for optimizing wealth are provided herein. Exemplary methods for analyzing financial well being of a client may include generating a financial profile for an client via a web server, selecting one or more grids for displaying at least a portion of the financial profile, the grid including one or more sectors, each of the sectors corresponding to one of the plurality of strengths, filling a sector with an indicator, filling a sector with an indicator, the indicator including a calculation of a strength level for the strength associated with the sector; and providing at least one of the one or more grids to a display device associated with a computing system that is communicatively coupled to the web server. | 2014-07-24 |
20140207639 | Variable-Based Increment Adjustment - Example methods, systems, and computer-readable media are disclosed to provide variable-based increment adjustment. An example method includes determining, using a computing device, whether to automatically adjust a first trading increment implemented in a trading interface to a second trading increment by monitoring for a condition related to activity in a trading market. The condition is defined in an increment adjustment rule by a user. The first trading increment and the second trading increment are associated with prices in the trading market. The example method includes adjusting, using the computing device, the first trading increment to the second trading increment implemented in the trading interface during the condition according to the increment adjustment rule. | 2014-07-24 |
20140207640 | CURRENCY TRADING PLATFORM WITH IMPROVED RISK MANAGEMENT - Systems, methods and software for processing and displaying information associated with a plurality of currency exchange transactions to a forex dealer in real time, i.e. substantially simultaneously with the receipt or placement of the associated transactions orders or position requests. | 2014-07-24 |
20140207641 | Globally Optimum Trading Positions for Path-Dependent Options - A trading position evaluation system for evaluating trading positions that are globally optimum for a path-dependent European Contingent Claims (ECC) includes an option price determination module configured to determine a current option price and a shifted option price of the path-dependent ECC based on ECC data and market data. The current option price and the shifted option price are determined at a trading time instance, selected from amongst a plurality of trading time instances obtained from a trader, based on at least one discrete-monitoring time instance occurring before the trading time instance. Based on the current option price and the shifted option price, a position evaluation module evaluates a trading position in an underlying asset of the path-dependent ECC at the trading time instance that minimizes global variance of profit and loss to the trader. | 2014-07-24 |
20140207642 | Trade Order Submission for Electronic Trading - Various systems and methods for trade order processing in an electronic trading environment are provided. The order processing includes initiating a first thread of instructions at a computing device to send a first trade order onto an electronic exchange. However, if one or more trade orders are identified during the process to send the first trade order, then the one or more orders are queued. When the first trade order is sent to the electronic exchange, then a second thread of instructions is initiated at the computing device to send the queued one or more trade orders (substantially together, if there is more than one) on to the electronic exchange. | 2014-07-24 |
20140207643 | METHOD AND SYSTEM FOR AUTOMATED TRANSACTION COMPLIANCE PROCESSING - A system for automated transaction compliance processing comprises a list server providing access to one or more lists of securities with trading restrictions and a rules engine which processes compliance requests to determine if, based upon the relationship between the requesting party and the company on behalf the compliance is being performed, the transaction is permissible. Compliance determinations are made using a set of predefined compliance rules. When a request is evaluated, a compliance rule set indicating which rules are to be evaluated at that time is generated in accordance with a party profile indicating the relationship between the party and the company. A message indicating whether the transaction complies with trading restrictions is then returned. | 2014-07-24 |
20140207644 | AUTOMATIC FINANCIAL INSTRUMENT TRANSACTION SYSTEM - A computer-based transaction system manages representations of a plurality of positions in a first type of financial instrument, such as bond future contracts. The transaction system, at a first predetermined time, converts each position in the first type of financial instrument into a corresponding position in a second type of financial instrument, such as bonds. At a second predetermined time that is after the first predetermined time, the transaction system converts each position in the second type of financial instrument into a position in the first type of financial instrument. | 2014-07-24 |
20140207645 | Method For Structuring A Transaction - In one embodiment the present invention relates to a method for structuring a transaction involving a first party having a long position in a security and a second party desiring to acquire short exposure to the security. In one example an agent or intermediary acts between the first party and the second party. In another example the first party and the second party deal directly with one another. | 2014-07-24 |
20140207646 | ENHANCED SYSTEM AND METHOD FOR MANAGING FINANCIAL MARKET INFORMATION - A system and method are provided for managing financial market information. According to certain embodiments, the system includes a computer having a memory, processor, and display. The processor is capable of generating a graphical depiction of the financial market information on the display. The graphical depiction includes a multidimensional representation of a broad range of market information for at least two financial instruments. The graphical depiction resides in a single window on the display. The financial instruments may include multiple different classes of financial instruments, such as treasuries and futures. Different instruments may be selected and information, including basis information, relevant to the selected instruments may be displayed in a second window. | 2014-07-24 |
20140207647 | Total Fair Value Swap - A synthetic instrument known as a “Total Fair Value Swap” is disclosed. According to one embodiment, the Total Fair Value Swap may comprise an agreement between two counterparties, a “Fixed Rate Payer” and a “Floating Rate Payer”. According to the agreement, the Fixed Rate Payer makes a stream of payments to the Floating Rate Payer based on a fixed rate, and the Floating Rate Payer makes a second stream of payments to the Fixed Rate Payer based on a floating rate, wherein a first portion of the floating rate is based on a reference interest rate, and wherein a second portion of the floating rate is based on a credit spread associated with the Floating Rate Payer. The reference interest rate may be, for example, London Inter-Bank Offer Rate (LIBOR), prime interest rate, the US dollar swap rate, the U.S. Treasury Bond rate or any other widely traded interest rate that is reset periodically. The credit spread may be observed from the Credit Default Swap (CDS) market. | 2014-07-24 |
20140207648 | LEVERAGED INSTRUMENT COMPUTER-IMPLEMENTED TRADE MANAGEMENT SYSTEM TO PROVIDE LONG-TERM EXPECTED RETURNS FOR DAILY REBALANCE INSTRUMENTS, SUCH AS ETFS OR FUNDS - A computer-implemented system enables performance of leveraged instruments, such as leveraged ETFs, to track their design parameters for longer durations than currently possible. The computer-implemented method issues sells and buys of the leveraged instrument on a daily basis to return the instrument back to an expected value, and to credit or debit cash on a daily basis, such that a combination of the instrument position and the cash position taken together provides an actual return close to the theoretical stated return. This strategy involves bringing the leveraged holding back to an equal value of the unleveraged ETF at the time the leveraged ETF is rebalanced—generally at the close of trading on any given day. This technique allows investors to hold the leverage only through the day, and realize the losses and gains of the leverage that day, and resets the position for trading for the following market day. | 2014-07-24 |
20140207649 | EMBEDDED HARDWARE BASED SYSTEM WHICH PROVIDES REAL-TIME PRE-TRADE RISK ASSESSMENTS FOR MULTIPLE PARTIES AND METHOD THEREOF - A risk assessment system and method are provided that may be implemented as an embedded hardware based system and method that provide real-time pre-trade risk assessments for multiple parties, in addition to real-time market data and trading connectivity to a variety of liquidity venues. The liquidity venues may include regulated exchanges, ECNs and other financial institutions listing securities, options, futures, commodities, foreign exchange and other financial instruments. | 2014-07-24 |
20140207650 | System and Method for Determining the Market Risk Margin Requirements Associated with a Credit Default Swap - A system and computer-implemented method for determining a margin requirement associated with a plurality of financial instruments within a portfolio is disclosed. The system and method implement steps and procedures for analyzing the portfolio including the plurality of financial instruments where analyzing further includes determining a first time-series of returns for the plurality of financial instruments, determining a second time-series of returns for the plurality of financial instruments where the second time-series occurs after the first time-series, and calculating the correlation between the first time-series of returns and the second time-series of returns. The system and method implement further steps and procedures for calculating residuals and volatilities for the plurality of financial instruments within the portfolio. | 2014-07-24 |
20140207651 | FIXED INCOME SECURITIES MARKET MODEL - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for facilitating financial interactions relating to fixed income securities. In one aspect, a computer-based method for facilitating a transfer of a fixed income security includes receiving an indication from a computer-based interface device that a initiating party seeks a counterparty for a financial transaction involving the transfer of the fixed income security, accessing data in an electronic database relating to a plurality of potential counterparties for the financial transaction and assigning to one or more of the plurality of potential counterparties an indication as to likelihood that the potential counterparty will engage in the financial transaction. The indication of likelihood that the potential counterparty will engage in the financial transaction is based on the data in the electronic database. | 2014-07-24 |
20140207652 | METHOD, APPARATUS AND ARTICLE-OF-MANUFACTURE FOR MANAGING AND SUPPORTING INITIAL PUBLIC OFFERINGS AND OTHER FINANCIAL ISSUES - The present invention relates generally to the field of computer-assisted business methods, and to system and articles-of-manufacture for implementing such methods. More particularly, the invention relates to computer-based methods, apparatus and articles-of-manufacture for supporting the coordination, communication, record-keeping, accounting, security and scheduling needs for the syndicate associated with an initial public offering (“IPO”) or other new financial issue. While the invention is exemplified and discussed herein with reference to IPO's, those skilled in the art will appreciate that the present invention is equally applicable to other types of securities and debt instruments, such as preferred stock, corporate bonds, municipal bonds, etc. | 2014-07-24 |
20140207653 | SYSTEM, PROGRAM AND METHOD FOR PROVIDING A SECURED CREDIT CARD COLLATERALIZED BY A TAX REFUND - A system, program and method of providing a secured credit card product to a customer may comprise steps generally relating to preparing a tax return for a customer for a previous year, and determining, based upon the preparation of the tax return, whether the customer is entitled to receive a tax refund. If the customer is entitled to receive a tax refund, offering a secured credit card product to the customer; determining if the customer meets eligibility requirements for the secured credit card product; and receiving the tax refund and using at least a portion of the amount of the tax refund of the customer to provide collateral for the secured credit card product of the customer. | 2014-07-24 |
20140207654 | Methods, System and Associated Computer Executable Code for Facilitating Credit Transactions - Disclosed is a system and method for Facilitating Credit Transactions, which may allow for the division of a given purchase or cash-withdrawal transaction amount, into periodical installments by enabling the financing of said transaction. | 2014-07-24 |
20140207655 | MULTIPLE LOAN PAYMENT OPTION SALES TOOL - A multiple option loan presentation apparatus and method allows a loan agent to communicate a non-traditional loan product to a customer. Non-traditional mortgage products such as pick-a-payment loans allow a borrower to exchange lower payments during an initial period for higher payments layer in an amortization period. Some borrowers do not want to accept the risk associated with adjustable rate mortgages (ARMs) for increases in interest rates, but are still desirous of options for reduced monthly payments. Combining fixed rate loans with an option for interest-only or minimum payments allows this flexibility, but places a premium on being able to graphically depict the implications of these choices. Thereby, the borrower can make an informed decision and the loan agent may more quickly conclude the transaction. In particular, the minimum payments constraints and changes in amounts can be made more intuitive. | 2014-07-24 |
20140207656 | DISPOSABLE PAYMENT ACCOUNT - Methods are provided of processing a transaction between a consumer and a merchant with a disposable financial account. The disposable financial account is created automatically at a financial institution upon receipt of information provided by the consumer requesting creation of the account through an interface with the financial institution. The consumer is provided with information identifying the disposable financial account through the interface. An authorization request for the transaction is received from the merchant over a financial processing network. The authorization request includes the information identifying the disposable financial account and a transaction amount. An approval for the authorization request is returned to the merchant over the financial processing network based on financial parameters of the disposable financial account. Funds are transferred from the disposable financial account corresponding to the transaction amount to control of the merchant. The disposable financial account is automatically closed after satisfaction of a predetermined condition. | 2014-07-24 |
20140207657 | PURCHASE AND RENTAL SYSTEM AND METHOD - One embodiment of the system involves providing one or more goods that are physically present but secured against removal through some locking or restraint mechanism. If a consumer desires a locked item, the consumer effects payment via remote means, such as via use of the Internet and/or via a smartphone. Upon confirmation of payment, the system responds with a means for the consumer to remove the lock from the purchased item and to take immediate possession. In some cases, this may be via the provision of a combination or code that is then used physically by the user to unlock the merchandise. | 2014-07-24 |
20140207658 | PAYMENT SETTLEMENT SYSTEM WITH FEEDBACK - A method of providing feedback to a user concerning a payment settlement process is provided. User identification information for a user is received. An electronic document associated with a payment transaction for a task completed by the user is received. Electronic processing criterion associated with the payment transaction are identified based on the received user identification information. Whether or not the received electronic document satisfies the identified electronic processing criterion is determined. If the received electronic document satisfies the electronic processing criterion, a notification message is sent to the user indicating that a proper submission of the document associated with the payment transaction has been completed. If the received electronic document does not satisfy the electronic processing criterion, an issue notification message is sent to the user identifying an issue associated with the payment transaction. | 2014-07-24 |
20140207659 | RECIPIENT INTERFACE FOR A GIFT TRANSACTION SYSTEM - A gift transaction system with a recipient interface in the form of an interactive gift notification is disclosed. The interactive gift notification facilitates customization of a gift package sent from a buyer as well as providing an interface to exchange the originally intended gift item. A method of operating the gift transaction system includes: receiving a gift transaction to send a gift item to a recipient from a buyer; generating an interactive gift notification for the recipient based on the gift transaction; receiving a shipping address for the gift transaction through the interactive gift notification; and sending a notification to a merchant store to ship a gift package including the gift item to the shipping address. | 2014-07-24 |
20140207660 | Tag System, Sellable Item and Method for Facilitating the Purchase of a Sellable Item - According to an aspect of the invention, a tag system for facilitating a purchase of a sellable item is conceived, the tag system comprising an anti-theft tag and an NFC tag, wherein said NFC tag is arranged to support a payment transaction for purchasing the sellable item, and wherein the NFC tag is further arranged to deactivate the anti-theft tag when the payment transaction has been completed. | 2014-07-24 |
20140207661 | METHOD OF USING VIRTUAL MONEY - A method of using virtual deposit money that can be created in exchange for certain guarantees and used in shopping is provided. The most important aspect of the method is to make it possible for the virtual money available in a credit card or any other card where data can be saved and which allows for identification, to be spent and then the related records to be deleted. The method additionally aims to provide the virtual money, itself, to be spent instead of the spending within the limitation, and to prevent spending when there remains no money to be spent. Distinctively from any kind of credit cards or gift cards with fixed limitation, the method of using virtual money provides to increase the limits of spending again thanks to the virtual money loaded subsequently. | 2014-07-24 |
20140207662 | SYSTEM AND METHOD FOR MANAGING GIFTS - Disclosed herein are systems, methods, and computer-readable storage devices for receiving an identification of a giver, a gift, an amount of money to pay for the gift, and a recipient of the gift at a first time. The system can associate a policy with the gift, and initiate, at the first time, a transfer of at least part of the amount of money to pay for the gift from the giver payment account to a holding account that is separate from the recipient payment account. The system can monitor, according to the policy, purchases of the recipient using the recipient payment account to yield purchasing information based on the purchasing information, and determine whether the recipient has made a qualifying purchase according to the policy. If so, the system can apply the amount of money to pay for the gift from the holding account to the recipient payment account. | 2014-07-24 |
20140207663 | SYSTEMS AND METHODS FOR ANALYSIS AND LINKAGE BETWEEN DIFFERENT TRANSACTION DATA PROVIDERS - Systems, methods, means, computer program code and computerized processes include receiving a first set of de-identified transaction data from a first transaction data source, receiving a second set of de-identified transaction data from a second transaction data source, filtering the first and second sets of de-identified transaction data to identify transactions associated with at least a first entity and to create first and second filtered data sets, removing data associated with an identifier field for each of the transactions in the first filtered data set to created a de-identified first data set, removing data associated with an identifier field for each of the transactions in the second filtered data set to create a de-identified second data set, and processing the first and second de-identified data sets using a probabilistic engine to establish a linkage between data in each data set. | 2014-07-24 |
20140207664 | AGENT MANAGEMENT SYSTEM - An automated process for processing application data related to agent on-boarding in a money transfer system includes proforma subprocessing to pre-qualify the application data, analysis subprocessing to analyze the application data, set-up subprocessing to set up agents on the money transfer system and training subprocessing to train the agents on services provided by the money transfer system. Each of the subprocesses accepts an administrator input in response to the application data. In response to the administrator input, each of the subprocesses has an outcome that is one of forwarding the data, denying the data, notifying an originator of the application data and requesting additional data. | 2014-07-24 |
20140207665 | MONEY TRANSFER SMART PHONE METHODS AND SYSTEMS - A mobile device for providing currency exchange, is described. The mobile device includes a computer processor, a memory device having sets of instructions stored thereon, and a camera device configured to photograph an image of currency of a first country's currency. The computer processor executes the sets of instructions, which cause the computer processor to: based on the image, determine a first amount and a country of origin of the currency, determine, using location services of the mobile device, a current location of the mobile device, based on the current location, determine a second country's currency, determine an exchange rate between the first country's currency and the second country's currency, and calculate a second amount in the second country's currency based on the first amount and the exchange rate. | 2014-07-24 |
20140207666 | ACCOUNT AND CUSTOMER CREATION IN AN ON-LINE BANKING MODEL - A system, method and article of manufacture are provided for account and customer creation in an online banking model. An application is received from a customer. The application includes information relating to the user and also documentation relating to the user. A first computer is utilized to create a profile for the customer based on the application received from the customer. The first computer is also utilized to create an account for the customer. Information relating to the created profile and account is transmitted from the first computer to a second computer where a notification is generated. The notification indicates that the account has been created. The notification is transmitted from the second computer to the customer utilizing a network. | 2014-07-24 |
20140207667 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount. | 2014-07-24 |
20140207668 | Temporary Virtual Payment Systems and Methods - Systems and methods which allow funds from one or more money transfer transactions to be delivered to a receiving party in a virtual form are provided. In some embodiments, a receiving party may receive a virtual credit card account for the money transfer amount, which can then be used to provide payment to an entity that accepts credit card transactions. In other embodiments, funds may be sent to a virtual account, such as a virtual wallet, which may be utilized to provide payments to third parties. In the event that a portion or all of the transferred funds are not utilized, embodiments may also provide for refunding the funds to the sending party. | 2014-07-24 |
20140207669 | Smart Electronic Wallet - A method for helping a consumer select an advantageous method of paying for a transaction. By providing a consumer with advantages and/or disadvantages of each payment method, the user can select a payment option while reviewing potential outcomes of the using different payment options. | 2014-07-24 |
20140207670 | Mobile Phone as Point of Sale (POS) Device - A system and method for provisioning one or more value added services to a postpaid/prepaid mobile account and/or a postpaid/prepaid mobile device using a wireless communication device as a point-of-sale device, is disclosed. | 2014-07-24 |
20140207671 | CUSTOMER RELATIONSHIP MANAGEMENT USING MOBILE DEVICE AND METHOD THEREFOR - The present invention relates to a system and method for managing customers by using a mobile device, and in particular, to a system and method for managing customers by using a mobile device for dispatching a mobile gift card to potential customers, contacting the potential customers through telemarketing, introducing a mobile homepage assigned to a customer managing company to the potential customers so as to provide various benefits, linking the mobile homepage accessed by the potential customers to the social network service (SNS) account of the customer managing company, and providing information about a terminal or the mobile homepage of the customer managing company close to the potential customers by using a location information search in real time. Accordingly, the potential customer can receive various benefits and have continuous communication so that customer management effectiveness can be maximized and a secondary promotion for the customer management company is made possible. | 2014-07-24 |
20140207672 | MOBILE DEVICE ENROLLMENT FOR ONLINE BANKING TRANSACTIONS - Embodiments of the invention are directed to systems, methods and computer program products for enrolling a user in a device identification program. In some embodiments, a system is configured to: receive device identification information from a mobile device, receive user information associated with a user, the user information enabling identification of the user, associate the device identification information with the user information, and create a record based on the device identification information and the user information. | 2014-07-24 |
20140207673 | AUTOMATED TELLER MACHINE TRANSACTION BLOCKING - A system, method, and computer-readable storage medium configured to pre-emptively reject an Automated Teller Machine transaction without consulting an issuer. | 2014-07-24 |
20140207674 | AUTOMATED TELLER MACHINE TRANSACTION PREMIUM LISTING TO PREVENT TRANSACTION BLOCKING - A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules. | 2014-07-24 |
20140207675 | METHOD AND APPARATUS FOR INITIATING A TRANSACTION ON A MOBILE DEVICE - A method and apparatus that improves the operation of treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The initiation process may be streamlined by providing supplemental contact information. Transactions may be initiated from trusted templates or groups of templates. Likewise transfers between internal accounts may be created. At each stage of the process views of current transaction/transfer initiations may be viewed. Transactions that have been successfully initiated may be confirmed. Incomplete or unsuccessful initiation may be reconciled for further action by a user. Templates and transfers may be grouped and sorted. | 2014-07-24 |
20140207676 | PORTABLE BANDWIDTH ROUTER - Systems and methods are disclosed for a user to share bandwidth among multiple devices, and for a sharing device to share available bandwidth among different users. The bandwidth sharing platform can leverage social network techniques to facilitate user access, and sharing is incentivized by rewarding various types of sharing activity. | 2014-07-24 |
20140207677 | PORTABLE BANDWIDTH - Systems and methods are disclosed for a user to share bandwidth among multiple devices, and for a sharing device to share available bandwidth among different users. The bandwidth sharing platform can leverage social network techniques to facilitate user access, and sharing is incentivized by rewarding various types of sharing activity. | 2014-07-24 |
20140207678 | DISBURSEMENT AND SETTLEMENTS SYSTEM AND METHOD - A system conducts online person-to-person monetary transactions between individuals or between individuals and entities such as banks, merchants or other companies. An individual establishes an electronic payment user interface associated with an entity which gives access to an online system used to transact money transfers. Any user can complete a receipt or a payment transaction directly with any other person or entity in real-time and at any time and from anywhere providing that each user operates an account from or to which money can be received or disbursed. | 2014-07-24 |
20140207679 | ONLINE MONEY TRANSFER SERVICE IN CONNECTION WITH INSTANT MESSENGER - The disclosure is related to performing online money transfer operation in connection with an instant messenger installed in and executed by user equipment. First user equipment may monitor messages transmitted to and received from second user equipment through the instant messenger upon initiation of the online money transfer operation. The first user equipment may obtain information on an online money transfer event upon detection of a predetermined service initiation word based on the monitoring result. The first user equipment requests a service server to perform the online money transfer operation based on the obtained information. | 2014-07-24 |
20140207680 | SYSTEM AND METHOD FOR PROVIDING A MOBILE WALLET SHOPPING COMPANION APPLICATION - A system and method in accordance with example embodiments may include systems and methods for providing a mobile wallet shopping companion application. In an example embodiment, a method for providing a mobile wallet shopping companion application includes, receiving, via a network, confirmation of a transaction using a financial account; receiving, via a network, data relating to both the financial account and a customer associated with the financial account; and transmitting, via a network, processing the data relating to the financial account and the customer associated with the financial account in order to create a tailored offer and/or targeted data for the customer. | 2014-07-24 |
20140207681 | SYSTEM AND METHOD FOR ENHANCED PROTECTION AND CONTROL OVER THE USE OF IDENTITY - A method of protecting use of an entity's identity is provided. The method comprises setting a status of the identity to a first slate, the first state defining a scope of permitted use of the identity, changing, in advance of an intended use of the identity, the status to a second state defining a scope of permitted use of the identity that is different from the first state, requesting use of the identity after the changing; and returning, after the requesting, the state back to the first state. | 2014-07-24 |
20140207682 | SYSTEMS AND METHODS FOR CONTACTLESS TRANSACTION PROCESSING - Systems and methods for performing mobile commerce transactions using mobile devices. A transaction initiation request is received at a transaction server from a merchant device. The transaction server generates a transaction identifier, which is transmitted to the merchant device. The merchant device communicates the transaction identifier to a customer device. The customer device transmits the transaction identifier to the transaction server and authorizes the transaction with the transaction server. | 2014-07-24 |
20140207683 | COMBINATION PAYMENT CARD AND METHODS THEREOF - Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited. | 2014-07-24 |
20140207684 | METHOD AND SYSTEM FOR PAYMENT AUTHORIZATION AND CARD PRESENTATION USING PRE-ISSUED IDENTITIES - Systems and methods for authenticating a party are disclosed. A transaction may be initiated between a relying party and a presenter. The relying party can send the presenter a message with transaction information and requirements for authentication. The presenter can forward the message to a third party, which can authenticate the presenter to the relying party. | 2014-07-24 |
20140207685 | MONEY TRANSFER SMART PHONE METHODS AND SYSTEMS - A method of implementing collaborative funds transfer includes receiving, by a host computer system, from an entity a collaborative funds transfer request for a relief effort to be executed within a collaborative environment. The methods further includes verifying, by the host computer system, validity of the entity, receiving funds provided to the entity via the collaborative environment, reviewing services offered within the collaborative environment, reviewing communications regarding the funds transfer within the collaborative environment, and transferring the funds to the entity. | 2014-07-24 |
20140207686 | SECURE REAL-TIME HEALTH RECORD EXCHANGE - A method, an apparatus, and a computer program product for accessing electronic medical records are provided in which a portable computing device uniquely associated with a user authenticates an identification of the user and automatically retrieves information corresponding to the user from electronic healthcare records systems using the identification. The retrieved information may be combined with other information and electronically delivered to a healthcare provider or patient. Delivery may be initiated by the portable computing device and directed to a computing device of a healthcare provider or patient. Exchange of records and other information between the user and the provider is effected using a first channel to provide a network address of the records and cryptographic keys necessary to extract the records, and a second path to deliver the encrypted records. The first path may be implemented using a camera or optical scanner to read an encoded optical image. | 2014-07-24 |
20140207687 | SECURE PAYMENT AND BILLING METHOD USING MOBILE PHONE NUMBER OR ACCOUNT - A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services. | 2014-07-24 |
20140207688 | SECURE PAYMENT AND BILLING METHOD USING MOBILE PHONE NUMBER OR ACCOUNT - A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services. | 2014-07-24 |
20140207689 | SECURE PAYMENT AND BILLING METHOD USING MOBILE PHONE NUMBER OR ACCOUNT - A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services. | 2014-07-24 |
20140207690 | NON-SERIALIZED ELECTRONIC PRODUCT REGISTRATION SYSTEM AND METHOD OF OPERATING SAME - A non-serialized electronic product registration (ER) system and method which enables return qualification information to be provided upon request for non-serialized products. Retailer specific return policies are enforced by providing the ER system with retailer return policies for UPCs, SKUs, model numbers and/or other non-unique product identifiers. The retailer periodically provides information to the ER system that indicates the last date on which products having a particular non-unique identifier have been sold. The ER system then determine the last date on which such products can be returned and provides non-serialized return qualification information to the retailer upon request. | 2014-07-24 |