36th week of 2011 patent applcation highlights part 47 |
Patent application number | Title | Published |
20110218821 | HEALTH CARE DEVICE AND SYSTEMS AND METHODS FOR USING THE SAME - The invention described herein solves the challenges encountered in searching for medical/clinical information from multiple data sources. Systems, methods, and devices of the invention allow a user to search a number of dissimilar information sources simultaneously, and view, process, and perform correlations on the information. The invention uses faceted search to process clinical values, subject characteristics, and population characteristics, thereby providing a user with an array of information useful for monitoring or improving the state of health of a patient or a patient population. The invention enables a user to evaluate information in a patient-centric way, and analyze information at either the individual or the population level. | 2011-09-08 |
20110218822 | REMOTE PATIENT MANAGEMENT SYSTEM ADAPTED FOR GENERATING A TELECONSULTATION REPORT - The invention provides for a remote patient management system comprising a computing device. The computing device comprises a processor and a computer readable storage medium. The computer readable storage medium contains instructions that when executed cause the processor to perform a method of generating a teleconsultation report. The method comprises the step of recording a teleconsultation between a health professional and a patient using a microphone. The method further comprises the step of converting the recording of the teleconsultation into a text file. The method further comprises the step of parsing the text file into tokens. The method further comprises the step of filling a teleconsultation parse tree using the tokens. The teleconsultation parse tree has nodes arranged in a tree like structure. The method further comprises the step of generate the teleconsultation report using the teleconsultation parse tree. | 2011-09-08 |
20110218823 | Method and System for Determining Precursors of Health Abnormalities from Processing Medical Records - Medical reports are converted to document vectors in computing apparatus and sampled by applying a maximum variation sampling function including a fitness function to the document vectors to reduce a number of medical records being processed and to increase the diversity of the medical records being processed. Linguistic phrases are extracted from the medical records and converted to s-grams. A Haar wavelet function is applied to the s-grams over the preselected time interval; and the coefficient results of the Haar wavelet function are examined for patterns representing the likelihood of health abnormalities. This confirms certain s-grams as precursors of the health abnormality and a parameter can be calculated in relation to the occurrence of such a health abnormality. | 2011-09-08 |
20110218824 | Patient-Physician Connectivity System and Method - A computerized system and method for allocating payments for access to a computer system. In some embodiments, the method includes the step of storing a personal health record (“PHR”) of a patient including a plurality of records with medical information concerning the patient in a database. The database may include at least one record identifying a primary care physician (“PCP”) of the patient. A charge is established for patient access to the PHR and the patient is required to pay at least a portion of the charge. After receipt of the payment, the patient is provided with access to the PHR over a communication network. An allocation of the payment is determined between a plurality of entities including the PCP of the patient. At least a portion of the payment is allocated to the PCP, regardless of whether the PCP issued the PHR to the patient. This allocated allow is then paid to the PCP. | 2011-09-08 |
20110218825 | THREE-DIMENSIONAL INTERACTIVE VEHICLE DAMAGE CLAIM INTERFACE - A three-dimensional vehicle scene including an image can be rendered within an interactive user interface. The image can be generated from a model and can be rotatable by user selections of user selectable rotation controls. Vehicle panels can be shown and hidden within the interactive user interface responsive to positionings of an interface pointer. While one of the vehicle panels is shown, user-configurable damage fields can be included in the user interface to describe damage to the vehicle. Input of the damage fields can be used to indicate damage for insurance claim purposes and can be used to update damage indicia on the interface. Damage indicia can be overlaid on top of the image. A damaged vehicle can be shown in the interface by combining (in real-time and at runtime) the image of the undamaged vehicle and the damage indicia, which overlay the image. | 2011-09-08 |
20110218826 | SYSTEM AND METHOD OF ASSIGNING RESIDENTIAL HOME PRICE VOLATILITY - A system and method for assigning loss of residential home value, due to systemic risks, through the creation and distribution of a financial instrument such as Home Value Assurance™ (“HVA™”). HVA™ is a process by which a capital market investor takes risk of a down-turn in national or regional real estate markets through a fully-funded index-linked note, while simultaneously providing contractual protection to consumers and institutions against drops in home prices due to the systemic pressures that drive home price index levels. The product may be sold to those who are exposed to the risk of a systemic downturn in residential home values, i.e. a singular home owner, an institution owning a portfolio of loans secured by liens on residential real property, etc. | 2011-09-08 |
20110218827 | SYSTEM AND METHOD FOR UTILIZING INTERRELATED COMPUTERIZED PREDICTIVE MODELS - The invention relates to a system for handling insurance requests, such as new coverage applications, renewal applications, and insurance quote requests. The system includes at least two computerized predictive models whose outputs each serve as inputs to the other. A business logic module is included in the system to process insurance requests with the predictive models to determine one or more sets of recommended policy parameters for the user and to output the determination to the user via a user interface. In various embodiments, the predictive models also output workflow components (such as underwriting workflow components) and price components (such as premium prices) corresponding to output suggested sets of coverage parameters. | 2011-09-08 |
20110218828 | SPATIAL DATABASE SYSTEM FOR GENERATION OF WEATHER EVENT AND RISK REPORTS - The present invention is a tool including a spatial database and a data warehouse used to track portfolio sites that are affected by weather events, such as hurricanes, earthquakes, wildfires, hail, tornados, or manmade events. A spatial database provides rich spatial geometry features using earth longitude and latitude as a 2-D reference system in spatial system. A insurer portfolio site, which is defined by longitude and latitude data, includes portions that are represented as a point. A weather event is represented as polygon in the spatial database. Based on user configured threshold values, it may be determined when a point falls inside, or on a boundary, of a polygon to identify a site that is affected by that weather event and corresponding reports may be generated, including maps identifying the affected sites and total insured value calculations for the affected sites, in order to gauge risk. | 2011-09-08 |
20110218829 | COMPUTER BASED METHOD FOR PREVENTING FINANCIAL LOSS DUE TO DISABILITY FOR PARTICIPANTS - A system and method for preventing financial loss due to disability of participants in a retirement plan according to an insurance contract. One or more computers are programmed within a network to collate data from one or more databases according to the terms of an insurance contract. The insurance contract pays benefits into the retirement plan trust upon the disability of a plan participant. The benefits are treated as income or gain under the plan and are allocated to the participant's account. Benefits are distributable only upon attainment of the participant's normal retirement age. The administration of a retirement plan is carried out according to a computer based method and within a computer based system. | 2011-09-08 |
20110218830 | BOTTOM-UP OPTIMIZED SEARCH SYSTEM AND METHOD - A system and method for searching for hotel rooms is provided. A pre-compute database comprising real-time availability attributes associated with hotel rooms on a plurality of length of stays may be generated, and a query for at least one hotel for a date range may be received. The availability of each day within the date range on a plurality of length of stays may be calculated by applying business requirements according to the query. Final availability may be created for each day within the date range on the plurality of length of stays by combining the availability from the pre-compute database and the query attributes. A final availability of hotel rooms may be formatted for the at least one hotel for each day within the date range on the plurality of length of stays. | 2011-09-08 |
20110218831 | Informational Kiosk System and Method of Using Same - An informational kiosk system used to request travel routes and retrieve points of interest. The invention comprises of a kiosk with a central console and an upper display the screen. The central console comprises of a lower display screen used to interact with users through an advanced input system. A user interfaces with an interface software to input requirements for desired points of interest to be transmitted to a central server. Route directions, maps, and coupons are received back from the central server for the user and printed out on a printed map. The interface software comprises of a plurality of interface screens allowing the user to select criteria for points of interest along with routing options. | 2011-09-08 |
20110218832 | Methods, Systems, and Computer Program Products for Calendar-Based Coverage Monitoring - Methods, systems, and computer program products for calendar-based coverage monitoring are disclosed. According to one aspect, a method includes receiving a coverage rule defining at least one covering entity for performing an activity for a covered entity and at least one period of time during which the multiple covering entities is to perform the activity. Individual calendars for the at least one covering entity are monitored and a change in one of the calendars is detected. It is then determined whether the change causes the coverage rule to be violated, and in response to determining that the change causes the coverage rule to be violated, a notification indicating violation of the coverage rule is automatically generated. | 2011-09-08 |
20110218833 | SERVICE CLASS PRIORITIZATION WITHIN A CONTROLLABLE TRANSIT SYSTEM - An embodiment of the invention provides for multiple service classes within a controllable transit system (e.g., a PRT system), by route allocation according to service class priority. Routes are optimized for vehicles needing or entitled to the highest service level, then remaining capacity is used to optimize routes for the next lower service class. Such optimization can be extended indefinitely, through “N” service classes of service. In addition, an embodiment of the invention allows the cataloging of PRT capacity and vehicle types/roles/emissions, as well as related business models. The system provided hereunder provides a means of ensuring that various service classes of system users can be given treatment according to the service class in which they reside. Such prioritization leads to a more flexible system, with higher user satisfaction and a greater number of available business models (e.g., “pay for service class”) permissible within the transit system. | 2011-09-08 |
20110218834 | RECONCILING SERVICE CLASS-BASED ROUTING AFFECTING USER SERVICE WITHIN A CONTROLLABLE TRANSIT SYSTEM - Aspects of this invention provide gradient means for reconciling user service class prioritization. Under this approach, higher priority service classes may be maintained and used to compute routes for reaching desired destinations. However, when such treatment poses a cumulative disadvantage (e.g., an adverse impact that exceeds a predetermined “impact” threshold”) to too many users/vehicles, the routing algorithms may be adjusted to minimize overall inconvenience. As such, aspects of this invention provide a means of ensuring that various service classes of system users will not be affected negatively beyond predefined thresholds. Such reconciliation leads to a more flexible system, with higher user satisfaction permissible within the transit system. | 2011-09-08 |
20110218835 | CHANGING PRIORITY LEVELS WITHIN A CONTROLLABLE TRANSIT SYSTEM - Embodiments of the present invention provide for the changing/updating of priority levels within a controllable transit system. Specifically, vehicles and/or users thereof will be assigned a particular service level using any number of factors. Based on this service level, as well as any transit criteria specified, a route to a desired destination will be computed. Typically, the higher the service level assigned, the higher the priority that will be given to the particular vehicle/user. Under the present invention, the priority level of a vehicle/user can be changed (e.g., increased) upon request to result in an improved transit time and/or route to the desired destination. Examples of types of requests that may result in an increased priority level (but are not limited to) are: (1) payment of a fee for increased priority level; (2) trading priority levels with other vehicle/users; and (3) bidding in an auction-like environment for an improved priority level; etc. | 2011-09-08 |
20110218836 | Seasonality-Based Rules for Data Anomaly Detection - In one embodiment, we describe a method that generates seasonality rules for anomaly detection for a hierarchical/tree based data structure. A new algorithm for processing nodes in hierarchy, as well as business rules for nodes, is described. Variations and examples are given to describe different scopes and embodiments of the invention. Exclusion criteria and children nodes are used as some examples for the implementations, with flow charts to describe the methods of application, as examples. | 2011-09-08 |
20110218837 | FACILITATING GROWTH INVESTMENT DECISIONS - A technique for performing securable market analysis involves establishing an empirically-derived structure and evaluating market size using analytical techniques within that structure. Inputs to a system that incorporates the technique can include a functional job and related emotional and consumption jobs, if any; importance levels; satisfaction levels; job executors; and willingness-to-pay. | 2011-09-08 |
20110218838 | ECONOMETRICAL INVESTMENT STRATEGY ANALYSIS APPARATUSES, METHODS AND SYSTEMS - The ECONOMETRICAL INVESTMENT STRATEGY ANALYSIS APPARATUSES, METHODS AND SYSTEMS (“EISA”) transform raw card-based transaction data via EISA components into business analytics reports. In one embodiment, the EISA may obtain an investment strategy analysis request. The EISA may determine a scope of aggregation of card-based transaction data records for investment strategy analysis and aggregate the card-based transaction data records for investment strategy analysis according to the determined scope. The EISA may generate anonymized card transaction data by removing identifying characteristics from the aggregated transaction data. The EISA may determine a forecast regression equation using the anonymized card-based transaction data records. Using the forecast regression equation, the EISA may calculate a forecast for retail spending in a specified spending category. Based on the calculated forecast, the EISA may generate a business analytics report, and provide the business analytics report in response to the obtained investment strategy analysis report. | 2011-09-08 |
20110218839 | Methods and systems for enabling the purchase of deliverable goods & services - Exemplary embodiments of the interactive shopping module provide shopping tools that may include a consumer goods and/or services media channel, a shopping services module for interaction via a display device of a consumer's media device (also referred to as a “communications device”), consumer profile data, advertising data, desirable consumer characteristics and metrics, and detailed vendor and catalog data such as hours of operation, delivery times, historical consumer satisfaction data, pricing data, food ingredient(s), allergy warning(s), and nutritional data, graphical images of menu items, and/or menu descriptions. Some of the embodiments may include shopping services for take-out and/or delivery food, entertainment, apparel, gifts, and/or household merchandise. In other exemplary embodiments, the consumer, vendor, and/or communications provider may match a range of discounted pricing data to identify a discounted price point to maximize sales to a plurality of consumers. According to further exemplary embodiments, billing systems and methods include invoicing, processing, and/or payment of the order from the vendor to the communications provider. | 2011-09-08 |
20110218840 | SYSTEM AND METHOD FOR EXHIBITION ORGANIZER MANAGEMENT - There is provided, in accordance with an embodiment of the present invention, an apparatus, system, and method for enabling smart managing of an exhibition, the system including: multiple scan-able tags for multiple products in the exhibition; scanning devices adapted to scan data from the tags; a communications server for enabling collection and communication of scanned data; an exhibition server communicability coupled to the communications server, the exhibition server being coupled to communicably coupled to a system database; and a business intelligence server communicability coupled to the exhibition server, the exhibition server being communicably coupled to a business intelligence database, wherein the business intelligence server is adapted to generate business intelligence data and to communicate selected business intelligence data to a system user. | 2011-09-08 |
20110218841 | BACK OFFICE PROCESS MONITORING AND ANALYSIS - According to one illustrative embodiment, a method is provided for monitoring and analyzing an office process. Information relating to desktop interaction activities of an agent and non-desktop activities of the agent are collected to form collected information. The collected information is inferred to derive delimiters relating to the desktop interaction activities and the non-desktop activities of the agent, at least one transaction performed by the agent, at least one application used by the agent, and the office process. Metrics and key performance indicators relating to a behavior of the agent, a behavior of the at least one transaction, a behavior of the at least one application and a behavior of an office process are computed to form computed information, and the collected information and the computed information are stored into a data store. | 2011-09-08 |
20110218842 | DISTRIBUTED ORDER ORCHESTRATION SYSTEM WITH RULES ENGINE - A computer-readable medium, computer-implemented method, and system are provided. In one embodiment, a business rule is created, and, when a rule set does not already exist, a rule set is already created. The business rule is added to the rule set, and the rule set is added to a rule dictionary of a business process. The rule dictionary is stored in a process definition table. | 2011-09-08 |
20110218843 | NON INTRUSIVE SYSTEM AND METHOD FOR MONITORING BUSINESS PROCESSES - The invention allows at least one business process to execute in at least one application while the same is monitored the progress in non-intrusive manner. The various embodiments of the present invention provide a method and system to monitor the business transactions in process unaware systems non-intrusively. The activities occurring in a business process are set up using a business model. The events in the business process are identified based set of application data of a plurality of applications associated with the business process. The identified events are mapped to activities and the activities are mapped to process instances based on predefined mapping rules. Key performance indicators are set for each of the activities in the business process. At least one subsequent activity to be completed for the process instance is determined. An alert is created when KPI violation occurs with respect to the completed activity. | 2011-09-08 |
20110218844 | ELECTRONIC SHELF LABEL SYSTEM - An electronic shelf label system according to an embodiment includes a shelf label terminal, an advertisement terminal, and a management server. The shelf label terminal displays shelf label information based on received shelf label data. The advertisement terminal displays advertisement information based on received advertisement data. The management server transmits the shelf label data to the shelf label terminal and transmits the advertisement data to the advertisement terminal. | 2011-09-08 |
20110218845 | Interactive Advertising for Computer Mediated Communications - A system, method, and computer program product are provided for interactive advertising for computer mediated communications. An advertisement associated with an advertiser is provided by a communication service provider to a user of the communication service provider. A selected advertisement is associated with a user communication by the communication service provider in response to a user selection to associate the advertisement with the user communication. Compensation from the advertiser associated with the selected advertisement is received for the communication service provider in response to a determination that a recipient of the user communication committed an action associated with the selected advertisement. | 2011-09-08 |
20110218846 | SYSTEMS AND METHODS FOR TRACKING REFERRALS AMONG A PLURALITY OF MEMBERS OF A SOCIAL NETWORK - Systems and methods are provided for tracking referrals among a plurality of members of a social network. A data storage is created to store member information for the plurality of members. Relationships between the plurality of members are determined using the member information in the data storage. A data structure is created to show relationships between the plurality of members. Member events are received for the plurality of members. In response to a purchasing member of the plurality of members making a purchase, determining one or more members contributing to the purchase based on the member events and the data structure. | 2011-09-08 |
20110218847 | METHOD AND SYSTEM FOR SECURE DISTRIBUTION AND TRACKING OF INFORMATION VIA MULTIPLE SOCIAL NETWORKS - A method and system for secure distribution and tracking of information and content of a third party via multiple social networks is described. The invention takes information and content marked to be promoted by a third party using an online application, and distributes and promotes the information to the social networks of everyone who is signed up as an ‘ambassador’ for that third party. When published, the information and content includes a personalized link associated with each ambassador to social network combination. Via the nature of social networks, this information is additionally redistributed into the users who are associated with those ambassadors in their social networks. As those users follow the personalized links back to the promoted information and content, the source ambassador to social network combination gets recorded and statistics about that user's viewing of the information and content are recorded. The online application records relevant statistics that the third party requires, and this information is then compiled into real time reports that detail the path that the promoted information and content traveled to drive users to the promoted information and content, as well as any resultant actions such as pages viewed, purchases made or items downloaded. | 2011-09-08 |
20110218848 | AUTOMATED SYSTEM FOR MANAGING BABY CARE PRODUCTS - A computer-based online system for managing a plurality of registries of baby care product selections, where each of the plurality of registries is uniquely associated with a respective one of a plurality of users, and where each baby care product selection corresponds to a baby care product selected at the online system or one of a plurality of retailers, includes a database to electronically store data records corresponding to the plurality of registries, and an application server communicatively coupled to the database. The application server includes a baby care product selector to automatically process a request to add a baby care product selection to a specified one of the plurality of registries, and update at least one data record in the database in accordance with the request, wherein the request is automatically generated by an application running on a smart device; and a purchase manager to automatically process a purchase selection, where the purchase indication is associated with a selection of a certain baby care product included in the specified one of the plurality of registries for purchase by a participant. | 2011-09-08 |
20110218849 | CLOUD PLATFORM FOR MULTIPLE ACCOUNT MANAGEMENT & AUTOMATED TRANSACTION PROCESSING - Systems and corresponding methods for managing multiple accounts is provided comprising causing an interface screen to be displayed at a client device that allows a user to link a plurality of accounts to a unified payment device, each of the plurality of accounts having a unique identification number; receiving a request to purchase at least one item from a merchant at a point of sale using the unified payment device; identifying at least one of the plurality of accounts linked to the unique unified payment device to be used to pay for the purchase; processing the request to purchase the at least one item with the at least one of the plurality of accounts identified; and communicating approval for the purchase to the merchant. | 2011-09-08 |
20110218850 | SCIENTIFIC TARGETING FOR ADVERTISEMENT AND CONTENT SELECTION, DISTRIBUTION, AND CREATION - The invention is a computer-aided method of optimizing advertisements and content by grouping viewers into scientific segments, optimizing an advertisement and pieces of content by scientific segments, selecting an advertisement or content to display to a scientific segment, and creating a scientific targeted advertisement or piece of content. | 2011-09-08 |
20110218851 | SEARCH ENGINE OPTIMIZATION PURCHASING ECONOMIC METHOD - A computer workflow environment includes alternate pages within a search engine, with advertising query results based upon advertiser-selected geographic limitation of predetermined geographic size. The advertiser's cost is proportional to the number of advertiser-selected geographic limitations available to a user making search query of a class correlated with the advertiser participating in at least one of the alternate pages of the search engine. The search engine contains various levels of search engine pages having mixed or fixed maxima, minima, and between results pages. Various page IP Address Binaries contain geographical location and market audience sizes, and econometric pricing across various levels search engine page states and national pages, wherein the price of advertising depends upon limitations or addition to variables, to optimize profit by allowing computer users access to affordable choices of selected advertiser, based upon sale performance. | 2011-09-08 |
20110218852 | Matching of advertising sources and keyword sets in online commerce platforms - Providing online advertisements includes selecting, among a plurality of advertising sources provided by a seller, a selected plurality of advertising sources that meet a predefined condition; generating a plurality of keyword sets that correspond to the selected plurality of advertising sources; establishing a programming model according to a set of predefined constraints, wherein the programming model represents match of the selected plurality of advertising sources and the plurality of keyword sets; and determining a substantially optimal match between at least some of the plurality of advertising sources and the plurality of keyword sets by solving the programming model. | 2011-09-08 |
20110218853 | SYSTEMS AND METHODS FOR ADVERTISING USING PAY-PER-CALL - Methods and systems are disclosed for providing online advertisements to consumers. A method disclosed herein allows a consumer to provide contact information to a business in response to a search request submitted to a search engine. Subsequently, the business may initiate a communication to the consumer at the contact information provided by the consumer. As a result, the business has better assurance that the advertisement fees provided to the search engine is in fact generating better consumer contacts for the business. In an embodiment of the system disclosed herein a telecommunications service provider may receive the contact information from the consumer and establish a line of communication between the consumer and the business. | 2011-09-08 |
20110218854 | System, Apparatus and Method of Optimizing Facility Usage Capacity - The excess capacity system is configured to offer an improved method and system for optimally utilizing excess capacity of an institution. In response to a search by a user the facility optimizer system of the excess capacity system will retrieve facility from providers. The facility optimizer system may also determine if the user is prequalified by criteria required by a facility provider. | 2011-09-08 |
20110218855 | Offering Promotions Based on Query Analysis - Methods of providing promotions to consumers are presented. Query behavior of one or more consumers can be monitored to map the behavior or changes in behavior to concepts or intent. Advertisers can pay a fee in exchange for providing promotions to the consumers and relating to the concepts. | 2011-09-08 |
20110218856 | Proxy Piercing for Identifying Address of and Marketing to a User Device Involved in an Online Transaction - An online machine data collection and archiving process generates a machine data profile of a customer computer accessing a transaction form of a merchant web site and links the machine data profile and a transaction record with customer identifying information using a unique transaction identification string. The process may capture parameters typically communicated as a part of web accesses, such as an IP address, an HTTP header, and cookie information. The process additionally causes the customer computer to process self-identification routines by processing coding within the merchant transaction form, the self-identification routines yielding further profile parameters. The process further includes a routine for bypassing an intervening proxy to the merchant web site to reveal the true IP address of the customer computer. Identifying the customer computer is useful for functions such as fraud detection and marketing. | 2011-09-08 |
20110218857 | System and Methods for Ordering and Presenting Custom Electronic Advertisements - A system for ordering electronic advertisements includes a first interactive interface executable to run on a computing appliance connected to a network for configuring constraints relative to an advertisement service, and a second interactive interface executable to run on the computing appliance for displaying electronic advertisements from one or more advertisement stores connected to the network and associated with the advertisement service. A user operating the computing appliance inputs into the first interactive interface the types of goods and services desired and what pricing associated with those goods and services is acceptable and wherein the second interactive interface displays advertisements served to the computing appliance over the network that fit the user's input criteria. | 2011-09-08 |
20110218858 | Apparatus, Computer Program Product, and Method for Internet Advertising - An apparatus, computer program product, and method are disclosed for internet advertising. The apparatus includes an offer module, a publishing module, a posting module, and a linking module. The offer module visually presents one or more promotions to a first user in response to a first user entering a first purchasing context. The promotions contain offers. The publishing module, in response to an acceptance of the offer, creates at least one advertisement which comprises a link to a second purchasing context. The posting module posts the advertisement to a loop creation location. The linking module detects user input corresponding to the advertisement and displays the second purchasing context. | 2011-09-08 |
20110218859 | Method, Apparatus and System for Increasing Website Data Transfer Speed - In one aspect, a method for increasing website data transmission speed comprises: obtaining a characteristics attribute set corresponding to a browsing behavior of a user; obtaining at least one rule corresponding to the characteristics attribute set from a rules database; selecting at least one advertisement corresponding to a scenario stipulated by the at least one rule; placing the at least one advertisement to be presented to the user; and monitoring operations of the user with respect to the placed at least one advertisement. Thus, the update and revolution of the rules database are implemented based on advertisement placement effects in real time. as Advantages achieved include low implementation cost, short period, and quick optimization speed. The present disclosure also discloses an advertisement placement administration apparatus and an advertisement placement administration system. | 2011-09-08 |
20110218860 | Identifying and marketing to a user device involved in an online transaction - An online machine data collection and archiving process generates a machine data profile of a customer computer accessing a transaction form of a merchant web site and links the machine data profile and a transaction record with customer identifying information using a unique transaction identification string. The process may capture parameters typically communicated as a part of web accesses, such as an IP address, an HTTP header, and cookie information. The process additionally causes the customer computer to process self-identification routines by processing coding within the merchant transaction form, the self-identification routines yielding further profile parameters. The process further includes a routine for bypassing an intervening proxy to the merchant web site to reveal the true IP address of the customer computer. Identifying the customer computer is useful for functions such as fraud detection and marketing. | 2011-09-08 |
20110218861 | Transform for Display of Advertisements on a Variety of Different Mobile Handheld Devices - Elements and object types of any advertisement are transformed to a predefined intermediate format, thus enabling conversion to any of a plurality of mobile handheld device (MHD) displays. This achieves load reduction by enabling one time development of a transform for each element and object type from the predefined format to each different MHD display. | 2011-09-08 |
20110218862 | MANUFACTURER-LINKED LANDING PAGE FOR ONLINE ADVERTISING - The systems and methods described herein provide manufacturer-linked landing pages for online advertising. A retailer may sell products manufactured by a number of different manufacturers. A manufacturer may pay the retailer to advertise products they manufacture. The retailer may advertise itself or products or product types it sells online. On responding to such advertisements, a user may be first directed to a landing page. The landing page may be the primary web page of the retailer, or a web page containing some subset of products or product types that the retailer sells. A landing page for the retailer may simultaneously display products from different manufacturers. If a particular manufacturer has paid for some portion of the advertising for that retailer, it may be desirable from the perspective of the manufacturer for advertisements to lead to landing pages that only display products that they manufacture, and exclude products from other manufacturers. | 2011-09-08 |
20110218863 | METHOD AND SYSTEM FOR AUTOMATICALLY CHARGING ADVERTISEMENT FEES - A method and system for automatically recharging an advertising fee are provided. The method includes managing payment information related to the advertising fee, the payment information to suspend an advertisement exposure service based on a balance of the advertising fee for a first time period and to perform automatic recharging of the advertising fee for a second time period which is shorter than the first time period; automatically recharging the advertising fee by the second time period according to the payment information; and notifying a result of the automatic recharging. | 2011-09-08 |
20110218864 | System and methods for searching based on a response to a plurality of both stimuli source types, and initiating stimuli types, without the need for a keyboard - A stimuli which is responsible for the initiation of a user request is utilized to identify and provide search results without the need for the user to enter a keyword or phrase. The initiating stimuli may be multidimensional: therefore, a stimulus which is not traditionally utilized as advertising or product placement can be commercialized. | 2011-09-08 |
20110218865 | Bandwidth Constrained Auctions - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for selectively requesting bids from content item providers. In one aspect, a method includes selecting eligible content item providers that are eligible to respond to a next content request. Each of the eligible content item providers can be selected based, at least in part, on a response constraint that specifies a maximum rate at which the content item provider is able to receive content requests. Impression likelihood scores are determined for the eligible content item providers, and qualified content item providers are selected a set of the eligible content item providers are selected as qualified content item providers based on the impression likelihood scores. The impression likelihood score for each qualified content item provider meets a threshold impression likelihood score. The next content request is received, and bids are requested from the qualified content item providers in response to the request. A content item from at least one of the qualified content item providers is provided. | 2011-09-08 |
20110218866 | SYSTEMS AND METHODS FOR PROTECTING CONSUMER PRIVACY IN ONLINE ADVERTISING ENVIRONMENTS - Systems and methods are provided for protecting consumer privacy. According to one implementation, a method is provided for protecting consumer privacy in an online advertising environment. The method includes receiving an ad-related communication with associated ad notice metadata containing information about the ad-related communication, analyzing the ad notice metadata, and executing a consumer privacy response based on the analysis. | 2011-09-08 |
20110218867 | SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR FURTHER COMPUTER INTEGRATION IN THE FOOD SERVICE INDUSTRY - A system, method, and computer program product are provided for integrating a computer network in a restaurant. In operation, user-defined information is input into the system via a customer computer. Additionally, user-defined information is input into the system via staff computers. Furthermore, information becomes readily available for display on staff computers, while limited information is made available to customer computers. | 2011-09-08 |
20110218868 | SYSTEM AND METHOD FOR DETERMINING APPROPRIATE REDEMPTION PRESENTATIONS FOR A VIRTUAL TOKEN ASSOCIATED WITH A STORED VALUE ACCOUNT - A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device. | 2011-09-08 |
20110218869 | GOODS SALE DATA PROCESSOR AND CONTROL METHOD THEREOF - A goods sale data processor performs a process of registering goods to be transacted. Reserved registering information to be reserved is stored. The reserved registering information to be reserved is updated and stored in a storage unit when the registering process is reserved, the registering process is being performed, and when the updated reserved registering information is notified from another goods sale data processor. The updated reserved registering information is notified to another goods sale data processor when the processor reserves the registering process. When the registering process is requested to restart, the selection of the reserved registering information used to restart the registering process out of the reserved registering information stored in the storage unit is received and the registering process is restarted using the selected reserved registering information. | 2011-09-08 |
20110218870 | COMMUNICATION METHOD FOR A ROAMING POINT-OF-SALE SYSTEM - A roaming point-of-sale system is disclosed including methods of communicating between the system components. A handheld computing device sends messages to a scanning device, which messages cause the scanning device to scan and return barcode data from a barcode scanner and payment card information from a magnetic strip reader. The messages include a header and a message, and the header designates the command given and the size of the message, among other useful information. | 2011-09-08 |
20110218871 | Portable Account Number for Consumer Payment Account - A system, apparatus, and method for providing and using a payment account or payment device identifier when conducting a transaction. The bank identification number (BIN) is decoupled from the primary account number (PAN) or other form of device identifier when generating the payment account or payment device identifier. The payment account or payment device identifier is used to access information regarding the issuer, with that information being used to route a transaction authorization request message to the appropriate entity. | 2011-09-08 |
20110218872 | System and Method for Remote Management of Sale Transaction Data - This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals. | 2011-09-08 |
20110218873 | METHOD AND SYSTEM TO IMPROVE PRODUCT RECALLS - A method and system is provided to deter purchases of recalled products. An inventory control system is provided with an identification code corresponding to a recalled product. The identification code of the recalled product is identified when it is scanned or otherwise determined to be part of a sale at a retail establishment and/or an e-commerce establishment. The purchase of the recalled product corresponding to the identification code identified is automatically denied. | 2011-09-08 |
20110218874 | System and method of global electronic trade in the Internet - A system and method of global electronic trade in the Internet is provided. The method of global electronic trade for sellers and buyers via the Internet includes registering the sellers and the buyers; providing information regarding goods or services to the registered sellers and buyers; selecting of trade partners based on the provided information; holding tenders; conducting of transactions between the trade partners; conducting a post-transaction procedures; and protecting of information in the system of global electronic trade. In a basis of a method of global electronic trade are put: a method of creating of databases of structured information about offers of sellers and about requests of buyers; and a method of searching of trade partners. The method of creating of databases of structured information in the system of global electronic trade includes: filling an application form by sellers and by buyers; creation of the database of information about proposed goods and services, structured on the basis of the Global Classification of Branches of Economy, Goods and Services (GC) and on the basis of other data, included in this application form; creation of the database of information about requests of buyers, structured on the basis of the Global Classification of Branches of Economy, Goods and Services and on the basis of other data, included in this application form. The method of searching of trade partners includes a method of searching by sellers in database about requests of buyers, a method of searching by buyers in database about offers of sellers, forming a list of results of search, which has the same structure, as the specified databases; a procedure of interactive or automatic selecting of a needed data from the list of result of search. | 2011-09-08 |
20110218875 | MULTIPLE-PLATFORM ESTIMATING AND AUTOMATIC QUOTING FOR NETWORK-BASED PARTS RESALE WITH TRANSFERABLE REPORTS - A part location system is described that utilizes computer-based techniques for bringing together repair facilities and suppliers to increase the efficiency of locating recycled, used or aftermarket parts using a computer network, such as the Internet. The part location system receives an estimate from a first user over a communication network. The part location system then parses the estimate to extract information that identifies a list of parts needed by the first user and automatically generates a request for quote (RFQ) using the information extracted from the estimate. The part location system then sends the RFQ to suppliers via the communication network. Subsequently, the part location system receives quotations from at least one of the suppliers via the communication network in response to the RFQ and presents the quotations received in response to the RFQ to a repair facility via the communication network. | 2011-09-08 |
20110218876 | ONLINE SYSTEM AND METHOD FOR BRA RECOMMENDATIONS - An online bra recommendation system and method provide one or more customer specific size and style recommendations. The recommendations are based on a calculated customer specific bra size and one or more customer style preferences. The calculated customer specific bra size is based on customer measurements. The customer measurements may include a measurement above the bust, around the fullest part of the bust and around the ribcage, under the bust. The customer may be instructed as to how to take appropriate measurements. The recommendation may further be based on feedback regarding current bra size and fit issues. The recommendation may further be based on one or more feature selections. The information may be collected through an online system, the recommendation made by a professional and the recommendation communicated to the user through the online system. | 2011-09-08 |
20110218877 | Detecting Online Fraud by Proxy Piercing to Identify Address of a User Device Involved in an Online Transaction - An online machine data collection and archiving process generates a machine data profile of a customer computer accessing a transaction form of a merchant web site and links the machine data profile and a transaction record with customer identifying information using a unique transaction identification string. The process may capture parameters typically communicated as a part of web accesses, such as an IP address, an HTTP header, and cookie information. The process additionally causes the customer computer to process self-identification routines by processing coding within the merchant transaction form, the self-identification routines yielding further profile parameters. The process further includes a routine for bypassing an intervening proxy to the merchant web site to reveal the true IP address of the customer computer. Identifying the customer computer is useful for functions such as fraud detection and marketing. | 2011-09-08 |
20110218878 | MANAGING TRANSACTIONS OF BROKER AFFILIATES - A distributed network transaction system and method includes a central exchange computer connected via the Internet (world wide web) to multiple remote computers associated with, for example, individual brokers. A central database is provided with the exchange computer and each remote computer can have a respective database for information that the individual brokers was to maintain separate from the system. E-commerce transactions are conducted by the system, which performs a number of transaction-related functions, such as pushing tickets up to the system for sale, purchasing tickets online, shipping, web site-related and bookkeeping. The system and methodology accommodate price event functions where non real-time tickets can be sold and the orders filled with tickets acquired on the system. | 2011-09-08 |
20110218879 | ELECTRONIC PAYMENT PROCESSING METHOD AND SYSTEM WITH SMART/AUTHENTICATE FIELDS AND DEFINITIONS - A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant. | 2011-09-08 |
20110218880 | SYSTEMS AND METHODS USING MOBILE DEVICE IN PAYMENT TRANSACTION - Systems and methods for performing a payment transaction are disclosed. In the embodiments of the invention, a mobile device is used by a user to receive an identifier associated with a piece of merchandise or a service from a merchant. The user then initiates a payment transaction with a remote payment server computer hosted by a third party processor. Upon completion of the payment transaction, the remote payment server computer notifies the user and the merchant that a payment has been made. The merchant then provide the merchandise or the service to the user. In the embodiments of the invention, a payment transaction is performed without exposing or disclosing financial account information of the user to the merchant. | 2011-09-08 |
20110218881 | INTERNET BILLING METHOD - The present disclosure may include, for example, a method for establishing a remitting arrangement between a provider and a vendor to create between the provider and the vendor an electronic process for remitting a portion of a transaction amount billed to at least one billing account of at least one customer associated with the provider for products or services purchased by the at least one customer from the vendor. The method can further include enabling, by way of equipment of the provider, equipment of the at least one customer to communicate with equipment of the vendor, and receiving at the equipment of the provider transactional information indicating that the at least one customer initiated an order for a product or service from the vendor for a transactional amount. The method can also include initiating with equipment of the provider the remittance of the portion of the transaction amount by way of the account of the vendor according to the remitting arrangement. Additional embodiments are disclosed. | 2011-09-08 |
20110218882 | Metadata Subscription Systems and Methods - Exemplary metadata subscription methods and systems are disclosed herein. An exemplary method includes a metadata subscription system receiving data representative of a subscription by a user to one or more metadata values, identifying at least one media content instance that has the one or more metadata values, and providing the user with access to the identified at least one media content instance. Corresponding methods and systems are also disclosed. | 2011-09-08 |
20110218883 | DOCUMENT PROCESSING USING RETRIEVAL PATH DATA - The browsing activity of a first user is motivated by some intent. The first user requests retrieval of a particular document while browsing. A document processing and presentation machine associates the document with a retrieval path taken by the first user. By using the retrieval path data of the document, the document processing and presentation machine infers an intent that likely motivated the first user. When a second user makes a request similar to a request within the retrieval path, the machine presents the second user with the document and some of the retrieval path data, thus providing the second user with a shortcut that leads the second user directly to the document. Thus, the second user may be able to satisfy his intent with significantly less browsing activity compared to the first user. | 2011-09-08 |
20110218884 | PAYMENT METHOD DECISION ENGINE - A computerized system and method that enables identifying the best payment currency for a product or service is disclosed. Payment currencies include cash, reward programs and the unit or currency in which reward programs are denominated, and combinations thereof. A single product search request initiates searches of multiple payment currencies. Availability, discounts, prices, comparable costs, net values and relative values are determined and/or calculated per each payment currency. Comparable cost, relative value, or other criteria, may be used to determine the best payment method, that is, the lowest cost in a common currency, such as cash. Determination of the best payment currency is accomplished in “real-time” and has an advantage of leveraging quantitative and qualitative analysis in its determination. In addition, the search may be personalized by adding information unique to each user. | 2011-09-08 |
20110218885 | SYSTEM AND METHOD FOR SUPPLY CHAIN AND RELATIONSHIP MAPPING - A method for providing on online consumer driven environmentally sustainable product database. The method includes steps of providing a greenness rating for at least one product and/or service; providing a dynamically linked supply chain map of the at least one product and/or service; and providing a platform for consumers to purchase the at least one product and/or service. | 2011-09-08 |
20110218886 | Parts management system, apparatus, program, method, and storage medium - A parts management system includes a catalog data generator to generate catalog data for display of a parts catalog based on image data of a part configuring a machine, and machine configuration information describing a configuration of the machine using identification information for the part configuring the machine; a catalog data storage unit to store the generated catalog data; a display data generator to generate display data displayable on an interface based on the stored catalog data, the display data including the parts catalog and an operating unit for placing an order for the part; and an order information generator to generate order information including the identification information for the part, a quantity of the part, and a delivery destination for the part, in response to inputting an order for the part via the interface. | 2011-09-08 |
20110218887 | Method and Apparatus for Permitting Stage-Door Access to On-Line Vendor Information - The present invention provides Internet users with access to an on-line vendor that has detailed product information some or all of which is supplied by at least one product supplier. Through selected storage and sharing of data, an on-line store is married to a supplier's product database. The on-line vendor is able to provide greater product information at a vastly reduced cost. The product supplier is provided with a unique company forum in which company activities such as sales training can be consolidated with advertising activities and product information to provide the most economical and up-to-date training information for the company. | 2011-09-08 |
20110218888 | METHODS FOR DETERMINING CUSTOMER MOTIVATIONS IN PURCHASING DECISIONS - Systems, methods, and apparatus for determining motivator counts associated with purchase selections are presented herein. A data store can be configured to store purchase selections of respective products. A server can be configured to determine an incremental purchase time between a first purchase selection of the purchase selections and a second purchase selection of the purchase selections. Further, the server can be configured to determine a standard deviation of incremental purchase times between respective purchase selections of the purchase selections. Furthermore, the server can be configured to increment a prime motivator count associated with the second purchase selection based on the incremental purchase time and the standard deviation. | 2011-09-08 |
20110218889 | Retail Display System With Integrated Security and Inventory Management - A retail display system with integrated inventory management and security is provided. The retail display system is operably connected to a control module operable to detect the addition or removal of inventory from the retail display system. The control module may be configured to manually or automatically associate a quantity of merchandise with a value of a sensed parameter, such that control module recognizes that the occurrence of the sensed parameter corresponds to the addition or subtraction of merchandise. | 2011-09-08 |
20110218890 | ADAPTIVE PRODUCT CONFIGURATION MODEL - The adaptive product conditioning is a computer-implemented method for identifying product configurations that can be provided to customers in reaction to supply imbalances. The methodology uses data mining techniques to collect and analyze business level meta data to coordinate supply and sales goals in terms of optimizing profits or managing product and technology transitions. | 2011-09-08 |
20110218891 | DISPLAYING PREPAID ACCOUNT INFORMATION AT MOBILE STATION - A prepaid mobile station ( | 2011-09-08 |
20110218892 | Account management apparatus and method of managing account - An apparatus to manage an account is provided. The account managing apparatus includes an account management unit which manages a user account of at least one user who uses an image forming apparatus, a storage unit which stores guest information related to the user account, a guest account generating unit which generates a guest account dependent on the user account based on stored guest information and the user account when a request to generate an account to use the image forming apparatus is received from a guest, and a control unit which controls the image forming apparatus according to a generated account policy. | 2011-09-08 |
20110218893 | System for Associating Financial Transaction Data with User's Project Data - This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data. The system includes a user's financial transaction data hosted in a data storage unit, addressable on a network, and accessible by a remote user on a user interface unit having a user input means and a display; and an expense reporting module having a graphical user interface (GUI) that allows a user to define project category data and associate representations of the user's financial data with the user-defined project category data. | 2011-09-08 |
20110218894 | Variable Taxation System and Method - A variable taxation/variable goods control system includes a consumer database populated with a plurality of consumers, a goods database populated with one or more goods limits for a predetermined time period, and a tax rate database populated with at least a first tax rate and a second tax rate. Each of the plurality of consumers in the consumer database is affiliated with at least a first goods limit in the energy database. Each consumer in the consumer database is affiliated with at least the first tax rate in the tax rate database, the first tax rate corresponding to the first goods limit. Each consumer is taxed at the first tax rate for goods purchases up to the consumer's first goods limit, and each consumer is taxed at the second or higher tax rate for goods purchases beyond the first goods limit. | 2011-09-08 |
20110218895 | METHODS, APPARATUS, SYSTEMS AND COMPUTER READABLE MEDIUMS FOR USE IN ASSOCIATION WITH DETERMINATION OF CUSTOMS DUTIES - According to some embodiments, a system, a method and/or a computer readable medium are provided. According to some embodiments, a method includes receiving, by a processor, data indicative of a plurality of imported components, each one of the plurality of imported components being subject to an import duty if a respective condition associated with the imported component is not satisfied; maintaining, by a processor, data indicative of ones of the plurality of imported components for which the respective condition has not been satisfied; wherein the maintaining data indicative of ones of the plurality of imported components for which the respective condition has not been satisfied comprises: providing data indicative of ones of the plurality of imported components for which the respective condition has not been satisfied; and updating the data indicative of ones of the plurality of imported components for which the respective condition has not been satisfied; and after the maintaining data indicative of ones of the plurality of imported components for which the respective condition has not been satisfied, determining, by a processor, a respective duty owed for each of the ones of the plurality of imported components for which the respective condition has not been satisfied. | 2011-09-08 |
20110218896 | VEHICLE TRAVEL MONITORING AND PAYMENT SYSTEMS AND METHODS - The invention provides various methods and systems for collecting and allocating road use fees. The invention may include receiving funds from a party, wherein the party is responsible for operation of a vehicle. Data indicating where the vehicle has travelled may be received by a computer system. A jurisdiction may be identified where road use fees are due based on where the vehicle has travelled. Fees due to the jurisdiction may be calculated based on the jurisdiction's road use fee schedule. The fee due for road use may be deducted from an account of the vehicle's operator. | 2011-09-08 |
20110218897 | Content Stream Management - Content stream management techniques are described. In an implementation, a communication is examined at a client device from at least one other client device that describes per stream usage of network bandwidth by the at least one other client device to receive content. Usage of the network bandwidth at the client device is managed based on the communication and a determination of per stream usage of the network bandwidth to receive content by the client device that also consumes at least a portion of the network bandwidth. | 2011-09-08 |
20110218898 | METHODS, APPARATUS, SYSTEMS AND COMPUTER READABLE MEDIUMS FOR USE IN GENERATING A CUSTOMS EXPORT DOCUMENT - According to some embodiments, methods, apparatus, systems and/or computer readable mediums are provided. According to some embodiments, a method includes generating at least one shipment request data object based at least in part on at least one outbound delivery data object; generating at least one freight unit data object based at least in part on the at least one shipment request data object; generating at least one shipment data object based at least in part on the at least one freight unit data object; generating at least one invoice data object based at least in part on the at least one shipment data object; and generating at least one customs export document based at least in part on the at least one invoice. | 2011-09-08 |
20110218899 | SYSTEMS AND METHODS FOR COMPRESSION OF TRADE-RELATED RECORDS - In certain embodiments, a computer system and process for use in a trading system are provided that allow trading entities to compress trade records while simplifying the reconciliation process. Advantageously, compressed trade records are processed by a custodian firm, while uncompressed reconciliation data are processed by a central counterparty. In some embodiments, a computer system and process are provided that allows trading entities to compress trade records across markets. Advantageously, compression across markets provides a larger pool of eligible trade records for compression, increasing the number of compressible trades, and thus reducing fees paid by the trading firm and the amount of data transmitted. | 2011-09-08 |
20110218900 | SYSTEMS AND METHODS FOR COMPRESSION OF TRADE-RELATED RECORDS - In certain embodiments, a computer system and process for use in a trading system are provided that allow trading entities to compress trade records while simplifying the reconciliation process. Advantageously, compressed trade records are processed by a custodian firm, while uncompressed reconciliation data are processed by a central counterparty. In some embodiments, a computer system and process are provided that allows trading entities to compress trade records across markets. Advantageously, compression across markets provides a larger pool of eligible trade records for compression, increasing the number of compressible trades, and thus reducing fees paid by the trading firm and the amount of data transmitted. | 2011-09-08 |
20110218901 | ON-LINE PRODUCT AUCTION METHOD USING STOCK INDEX AND RECORDING MEDIUM - An online product auction method using stock price indexes is disclosed. A plurality of bidders participates in online auction bidding for a presented product and inputs respective bid numbers. Specific numbers are extracted from two or more indexes which indicate stock prices. A successful bid number is created by combining the extracted numbers in a predetermined sequence. It is determined whether a bid number identical to the successful bid number exists among the bid numbers. If one or more bid numbers identical to the successful bid number exist, an earliest bidder is selected for a successful bidder. If no bid number identical to the successful bid number exists, an earliest bidder, having a bid number which is the closest to the successful bid number, is selected for a successful bidder. Thereafter, a command is output to deliver the corresponding product to the selected bidder. | 2011-09-08 |
20110218902 | INTELLIGENT EXECUTION FOR BROKERAGE TRADE ORDERS - A method and apparatus for driving a trade via an electronic trading platform are provided. Traders may define trade order parameters including at least one monitored parameter and at least one rule for assigned thereto. The trade orders will only be executed when current market data satisfies the at least one monitored parameter and at least one rule. Said monitored parameters are selected from a current market price, a current bid and/or ask value, volume, a Volume Weighted Average Price (VWAP), or a combination thereof. The rules are based on a number and/or volume of executed market orders, placed by other traders, during a certain time period, a time period passed since it was determined that the at least one monitored parameter satisfies the market data, or a combination thereof. | 2011-09-08 |
20110218903 | ELECTRONIC SYSTEM AND METHOD FOR EXECUTING A TRADE - An Internet based investment account management system that consists of data, a rules database, a business logic manager and user profiles is described. The rules database stores information about system responses to modifications of the data. The user profiles store information concerning the availability of information and displays depending upon the user. Automatic updates to user profiles in response to modifications to the data are performed. The business logic manager can be configured to define whether the trader is authorized to execute a trade and whether sufficient holdings are available at a custodian bank in order to execute trade. A data exchange link may then be used to send data to a broker/dealer system to execute the trade. | 2011-09-08 |
20110218904 | System and Method for Providing Market Updates in an Electronic Trading Environment - A system and method are provided for modifying how market updates are provided in an electronic trading environment upon detecting one or more triggering events. One example method includes defining an event to be used to trigger modification of how market updates are provided to a client entity, receiving a market update from an electronic exchange, and, when the event is detected, modifying how the market update is provided to the client entity. As an example, the modification of how the market update is provided to the client entity may include providing less data in relation to market updates, and sending the market updates less frequently. | 2011-09-08 |
20110218905 | Method and System for Reduced-Risk Extension of Credit - A system and method for extending a firm offer of credit without regard to the credit risk profile of the credit applicant is disclosed. Using seller-defined and/or system and method provider configured business rules and related payment computations, the system derives a series of initial payments representing a “down payment.” After the down payment is collected, the goods or services are delivered. The purchaser may elect upfront from a plurality of payment options, including the automatic collection through recurring pre-authorized electronic funds transfers to a deposit account or via authorized and settled credit or debit card authorization(s). A purchaser using either of these options has the option, upon receipt of the goods or services, to pay the remaining balance through the continuation of electronic funds transfers or, at any point prior to completion of payments using a “one-time authorized amount for the balance due” alternative form of payment like cash, credit or debit card, to pay off the remaining balance. | 2011-09-08 |
20110218906 | DYNAMIC CREDIT MANAGEMENT - A method for providing a financial evaluation of at least one financial instrument or of an issuer supports the provision of a dynamic credit limit. A dynamic credit limit may be associated with a counterparty or a debt security of the counterparty, for example. The method includes obtaining counterparty credit quality data associated with a transaction of the financial instrument between a party and a counterparty. Debt market data is obtained where the debt market data is associated with or relevant to the transaction. A dynamic credit limit is determined for the counterparty or a financial instrument of the counterparty based on at least one of the inputted counterparty credit quality and the obtained debt market data. The dynamic credit limit may be defined in terms of a credit exposure versus time. | 2011-09-08 |
20110218907 | SYSTEM AND METHOD FOR CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE - A method for creating and managing a shared stored value account associated with a client device is disclosed. The method may include assigning a first unique identifier to an owner of a stored value account and assigning a primary account number to the stored value account. The method may further include receiving input to create a shared stored value account based on the stored value account as well as receiving input corresponding to an intended recipient of the shared stored value account. The method may also include creating a second unique identifier that is associated with the intended recipient of the shared stored value account and that is associated with the primary account number assigned to the stored value account. The method may also include displaying options for restrictions as well as creating a second primary account number that is associated with the second unique identifier for tracking the restrictions. | 2011-09-08 |
20110218908 | Discount Funded Savings - Disclosed is a method and system for Discount Funded Savings wherein an account is funded by the savings generated from the use of coupons or retailer discounts. | 2011-09-08 |
20110218909 | TRANSACTION VELOCITY COUNTING FOR FRAUD DETECTION - Methods and systems for detecting fraud based on velocity counts are disclosed. | 2011-09-08 |
20110218910 | METHOD OF ESTABLISHING AN ENDOGENOUS FUTURES MARKET FOR POLLUTANT EMISSION FEES - The method of reducing emissions of a pollutant by relying on a novel endogenous futures market to set the pollutant emission fees. The individual marginal cost (m1) is known by actors, companies, individuals or actors for reducing one emission unit of the pollutant. The current market rate of the futures price (n1) for an emission unit is determined by the market. The emission fee (s1) during a certain time period (for instance; month) in the future is set by law or decree to be the same as the price of the futures contract on a certain expiry date in advance of the above mentioned time period to ensure genuine uncertainty of (s1). | 2011-09-08 |
20110218911 | 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. | 2011-09-08 |
20110218912 | PROVIDER RELATIONSHIP MANAGEMENT SYSTEM THAT FACILITATES INTERACTION BETWEEN AN INDIVIDUAL AND ORGANIZATIONS - A provider relationship management system (“PRM system”) is disclosed that enables an individual to electronically interact with organizations. The PRM system allows individuals to add organizations to a personal provider directory. The individual may seek to establish an interactive connection with one or more organizations in the personal provider directory. If a selected organization agrees to establish an interactive connection with the individual, the organization is permitted to communicate with and send electronic documents to the individual. Each document is associated with a document type, and the document type is associated with certain actions that may be taken with respect to the corresponding document. Pay documents are associated with an action to transfer monetary value from an individual to an organization. The PRM system allows an account associated with an individual to be debited and an account associated with an organization to be credited to satisfy a pay document. | 2011-09-08 |
20110218913 | VIRTUAL TRAVELER'S CHECK - The purchase and redemption of virtual traveler's checks is managed. A purchase request is received, which includes purchasing customer identification information and a request for one or more virtual traveler's checks. Each of the one or more virtual traveler's checks has one of a predetermined set of fixed denominations. A check number is issued for each of the one or more virtual traveler's checks. Each check number is associated with the purchasing customer identification information. A redemption request is then received, which includes redeeming customer identification information and a request to redeem at least one of the one or more virtual traveler's checks. The release of funds is approved in an amount equal to the denominations of the requested virtual traveler's checks if the redeeming customer identification information matches the purchasing customer identification information. | 2011-09-08 |
20110218914 | CLOSED LOOP STORED VALUE INSTRUMENT BROKERAGE SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT - Embodiments of the present invention provide a method, system and computer program product for a closed loop stored value instrument brokerage. In an embodiment of the invention, a method for brokering a closed loop stored value instrument can include receiving a request in brokerage logic executing in memory by at least one processor of a computer. The request can include a request to broker a payment of a sale price for an item purchased from a selling merchant with a closed loop stored value instrument issued by a separate originating merchant. In response to the receipt of the request, the originating merchant can be directed to debit the closed loop stored value instrument in an amount equivalent to the sale price. Thereafter, payment to the selling merchant can be transferred in an amount less than the sale price. | 2011-09-08 |
20110218915 | METHOD FOR SECURE TRANSACTIONS UTILIZING PHYSICALLY SEPARATED COMPUTERS - A secure transaction method involves establishing an electronically accessible verification site authorized by the holder of a credit or debit card, and accessing the verification site by a merchant to determine whether a request for goods or services is authorized. The request for goods or services is based upon the use of the credit or debit card, but the card is not physically presented. The verification site is an electronic mail account which may be established by the merchant, card holder or other authorized person or entity. An authorization message is preferably sent from the site to the merchant in response to the step of accessing the verification site by the merchant. The verification site may also be wirelessly accessible, enabling an authorization message to be delivered through a cellular telephone, personal digital assistant, or other mobile device. | 2011-09-08 |
20110218916 | Secure, Closed-Loop Electronic Transfer of Money - A method of providing for a money transfer over a network includes the steps of: providing a stamp having a face value and a lifespan both indicated on the stamp, the stamp being a string that is a concatenation of two or more fields including the face value and the lifespan, with at least one of the fields calculated according to a prescription involving a hashing or encryption of a concatenation of others of the fields or of some other field not part of the stamp; affixing the stamp to an e-mail; and allowing the recipient of the e-mail to obtain value for the stamp if the stamp is presented to a predetermined entity (such as a stamp issuer) for the stamp value within the lifespan indicated on the stamp. The stamp may comprise a concatenation of a set of fields, including a lifespan, a stamp value; and hash/encryption. | 2011-09-08 |
20110218917 | Secure Transfer of Value Via Electronic Stamp - A method of providing for a money transfer over a network includes the steps of: providing a stamp having a face value and a lifespan both indicated on the stamp, the stamp being a string that is a concatenation of two or more fields including the face value and the lifespan, with at least one of the fields calculated according to a prescription involving a hashing or encryption of a concatenation of others of the fields or of some other field not part of the stamp; affixing the stamp to an e-mail; and allowing the recipient of the e-mail to obtain value for the stamp if the stamp is presented to a predetermined entity (such as a stamp issuer) for the stamp value within the lifespan indicated on the stamp. The stamp may comprise a concatenation of a set of fields, including a lifespan, a stamp value; and hash/encryption. | 2011-09-08 |
20110218918 | SYSTEMS AND METHODS FOR PROVIDING ACH TRANSACTION NOTIFICATION AND FACILITATING ACH TRANSACTION DISPUTES - A system and method for identifying incoming ACH transactions involving subscriber accounts at a financial institution, comparing the ACH transaction details with preset notification criteria, suspending any ACH transaction that satisfy the preset criteria so that the transaction does not post to the account, notifying the subscriber of the incoming ACH transaction, providing the subscriber with the option to either authorize or dispute the ACH transaction, and facilitating the dispute process according to applicable banking rules by requesting further information from the subscriber and forwarding the dispute information to the ACH operator. | 2011-09-08 |
20110218919 | METHOD AND APPARATUS TO SUPPORT EVIDENCE BASED MEDICINE - A method and apparatus for providing reports of medical procedures includes a biometric data recorder to record and transmit biometric data of a patient, the biometric data being transmitted with a medical report of the medical procedure. The medical report and biometric data are transmitted as an encrypted transmission to an information center for storage. The medical reports of steps in the medical procedure for a patient are linked using the biometric data even if performed by different medical service providers. Medical reports of plural patients undergoing the procedure are stored, linked according to patient using the patient biometric data. Reports generated from the linked data anonymously report a given patient's status following the procedure. Statistical reports are generated on plural patients undergoing the procedure, and competing procedures are compared using the statistical reports. | 2011-09-08 |
20110218920 | METHOD AND SYSTEM FOR PROVENANCE TRACKING IN SOFTWARE ECOSYSTEMS - A system and method for tracking provenance for software use and development includes a developer toolkit program stored in memory media and accessible by a software market place wherein the software marketplace provides a library of software bundles that can be used for software development and modification of the software bundles. The developer toolkit includes a user interface configured to enable software creation of original works and derivative works. The development toolkit further includes a provenance tracker configured to track provenance of the derivative works and original works wherein the provenance tracker makes the derivative work and the provenance of the derivative work available in the software market place. The provenance tracker includes a software bundle identification module configured to identify and verify ownership of the original works and derivative works by associating an owner of the derivative works and original works with features included in portions of the derivative works and original works. | 2011-09-08 |