40th week of 2014 patent applcation highlights part 76 |
Patent application number | Title | Published |
20140297441 | SYSTEMS AND METHODS FOR BARCODE TRANSLATION - Disclosed herein are systems and methods for converting barcodes to facilitate fast and convenient payments. In one embodiment, the systems and methods are for imaging a first barcode having a first barcode format; determining a second barcode format used at a point-of-service; converting the first barcode to a second barcode in the second format; and generating an image of the second barcode. In another embodiment, a service provider barcode-conversion system receives with a communications interface an image of a first barcode having a first barcode format from a customer; determines with a processor a second barcode format used at a point-of-service; generates with the processor an image of a second barcode in the second barcode format; generates with the processor a link between the first barcode and the second barcode; stores in memory the first barcode, the second barcode, and the link between the first barcode and second barcode; and transmits with the communications interface the image of the second barcode to the customer. | 2014-10-02 |
20140297442 | EXPEDITED SELLER REGISTRATION - Disclosed are various embodiments for facilitating expedited registration of sellers in an electronic marketplace. For example, whether a user is eligible for an expedited seller registration procedure in an electronic marketplace is determined by analyzing one or more credibility factors relating to a historical profile of the user. The expedited seller registration procedure omits one or more identity verification tasks as compared to a normal seller registration procedure. If the user is eligible, the user is invited to register as a seller in the electronic marketplace using the expedited seller registration procedure. | 2014-10-02 |
20140297443 | Method of bidding to qualify and win a meeting in an on-line auction - Method of bidding in an on-line auction to qualify and satisfy requirements for winning meeting time with a person, either in-person or through an interactive on-line communications network such as the Internet. The method includes the bidder uploading a document or data on-line with information relative and in response to the stated meeting requirements or criteria of meeting host when placing a bid, acceptance of meeting bids based on the information submitted, not accepting meeting bids based on the highest bid amount, accepting one or multiple bids and scheduling one or multiple meetings in a single meeting auction. | 2014-10-02 |
20140297444 | LOT BIDDING OPTIMIZATION AND COMMUNICATION - A method and system of optimizing portion bidding in a lot auction is provided. Disclosed examples include a bid detector configured to identify the occurrence of portion bidding in a lot auction. Further features can include communication module configured to communicate auction updates to the lot bidders participating in the auction. | 2014-10-02 |
20140297445 | SYSTEM AND METHOD FOR PROVIDING INFORMATION ABOUT ASSETS FOR A LIVE AUCTION - A method for providing information about a plurality of assets for an auction is provided. A list can be generated by communicating with one or more asset listing sources. The list can identify a plurality of assets and a status of each asset in advance of a scheduled auction. The scheduled auction can have a start time on a start date. The one or more asset listing sources can be periodically communicated with to determine a change in the status of one or more assets at first time intervals until a predetermined time and at second time intervals from the predetermined time. The list can be updated based on the changed one or more statutes. A report can be communicated based on the updated list and can include information about at least one asset and at least one corresponding status. | 2014-10-02 |
20140297446 | SYSTEM AND METHOD FOR PROVIDING INFORMATION ABOUT ASSETS DURING A LIVE AUCTION - A method for providing information about an auction for a plurality of assets is provided. A plurality of assets that is made to be available during an auction is identified. Each of the plurality of assets includes an auction state. During the auction, a matrix interface is displayed. The matrix interface includes a plurality of entries, where each entry identifies a corresponding asset and the auction state of that asset. The auction state of one or more assets is dynamically updated during the auction. | 2014-10-02 |
20140297447 | FLEXIBLE COMMERCIAL LOAN POOL - Bidding activity is analyzed over a duration in which multiple bids are received in the auction. A bid increment is dynamically determined for the auction in response to auction activity. An online auction system can utilize the bid increment to determine or suggest the next bid that can be received in the auction for purpose of supplanting the current bid. | 2014-10-02 |
20140297448 | PURCHASING SYSTEM ON INTERNET AND METHOD THEREOF - The present invention relates to a technology for purchasing an item to purchase automatically and jointly by using the internet, in particular to a purchasing system and a method thereof on the internet which is capable of economizing human and material resources and lowering the unit cost of an item by performing all processes from a notice of tender to an ordering automatically on the internet and purchasing an item required for many companies and establishments jointly. | 2014-10-02 |
20140297449 | CALL TO ACTION LOCKOUT SYSTEM AND METHOD - A Call-To-Action Lockout on a mobile device coupled to a data network is disclosed as a method and apparatus comprising providing a media application configured to respond to a control point associated with media content, providing media content which has at least one associated control point, triggering at least one control point while experiencing the media content; and performing an appropriate Call To Action Script (CTAS) in response to the triggered control point. | 2014-10-02 |
20140297450 | System and Method of Auctioning a Defaulted Loan - A method and system for conducting an online property auction whereby the system allows for identifying an owner of property willing to sell his property by an online auction, entering into a contract with the owner obligating him to complete the sales of his property conducted pursuant to terms of the contract; pre-arranging a minimum auction price for his property that accounts for the owner's interest, plus costs and fees, conducting the on-line auction with a plurality of bidders for his property whereby at the on-line auction's conclusion there is a winning bidder and ensuring the transfer of the winning bidder's funds to the escrow holder. | 2014-10-02 |
20140297451 | COMPUTER-BASED AUCTION METHOD AND AUCTION SYSTEM - A computer-based auction method and auction system in which vendors offer products, services and/or information as auction objects, auction object data relating to the auction objects being captured in an input module and being disseminated over telecommunications channels, and in which interested customers make auction bids for offered auction objects, bid data being prepared and being sent over a telecommunications network to an evaluation unit, where they are evaluated and the best bid for the auction object is determined, class designations based on a predefined object classification being inserted into the auction object data and the auction object data being filtered based on customer-specific object profiles, and during the preparation of the bid data in the communication terminal of the customer a bid amount entered by the interested customer is linked to at least certain data contained in the auction object data. | 2014-10-02 |
20140297452 | Computing system predictive build - Features to include within a predictive build of a computing system are selected. The predictive build is an anticipated final build of the computing system prior to receiving a firm customer order for the computing system in accordance with which an actual final build of the computing system is then built. A marginal cost of first building the predictive build and then modifying the predictive build to realize the actual final build, as compared to building the actual final build without first building the predictive build and then modifying predictive build to realize the actual final build, is estimated based on the features selected. Responsive to determining that the marginal cost is less than a predetermined acceptable marginal cost limit, the predictive build is built prior to receiving the firm customer order, and then is modified to realize the actual final build upon receiving the firm customer order. | 2014-10-02 |
20140297453 | SYSTEM AND METHOD FOR CREATING A RIFF GIFT - A method for creating a riff gift for a recipient includes receiving a video riff from an artist. The method includes coding and embedding the video riff into a database. The method further includes choosing a selected video riff. Additionally, the method includes embedding the selected video riff into an e-card such that it is ready to be sent to the recipient. | 2014-10-02 |
20140297454 | Systems and Methods of Processing Information and Transactions Involving Digital Content, Digital Products and/or Experiences - Systems and methods described herein relate to processing of information, data and transactions involving content and/or experiences. According to one exemplary implementation, an illustrative method of computerized information processing may involve handling and/or processing data regarding a product, the product comprising an experience, a physical product, and/or a digital product. | 2014-10-02 |
20140297455 | ROUTINE SUGGESTION SYSTEM - Systems and methods for providing routine suggestions include receiving a plurality of user activity data associated with locations within a home location area of a user at a plurality of different times. A subset of the plurality of user activity data is determined to include a location type and a reoccurring time period. A routine identifier is then provided to the user that includes the location type and a plurality of attributes associated with the location type. Routine details that rank the plurality of attributes associated with the location type are then received. A confirmed routine is then associated with the user that includes the location type, the reoccurring time period, and the ranked plurality of attributes. The confirmed routine may then be used to provide routine suggestions that suggest locations to the user to continue with their routines when they are away from the home location area. | 2014-10-02 |
20140297456 | Methods and Systems for Dynamic and Embeddable Storefront Widget - Methods and systems for extracting and displaying one or more products on a virtual storefront embedded in a topical community web page are disclosed. The displayed products may then be purchased by a user or a community member or a member of the group or forum directly at the virtual storefront. The community web page is related to a particular interest or a context and hosts information or media related to that particular context. The systems and methods disclosed herein may facilitate the community web page administrator, community web page owner, or any other person in similar capacity to either select one or more products statically or the products are dynamically extracted from one or more of a connected storefront or a marketplace or both. | 2014-10-02 |
20140297457 | Systems and Methods for Product Recommendation Refinement in Topic-Based Virtual Storefronts - Systems and methods for product recommendation refinement in a topic-based virtual storefront embedded in a topical community web page. The systems and methods facilitate continuous monitoring of user activity and community member activity in the topic-based virtual storefront based on which one or more weighted keywords are derived. A topic set containing various weighted keywords is iteratively configured for extracting and ordering one or more products that are extracted from a plurality of heterogeneous sources. | 2014-10-02 |
20140297458 | Systems and Methods for Marketplace Catalogue Population - Methods and Systems for displaying product recommendations at a virtual storefront by receiving product recommendations from a plurality of heterogeneous sources. The source servers send the product recommendations from their end that are then normalized and refined by a recommendation engine based on a plurality of factors ensuring that the products are presentable and sellable on the storefront. The recommendation collation is accomplished using a pipeline of stateless processors, thereby providing a highly scalable platform perfectly suited for cloud-based computational platforms. | 2014-10-02 |
20140297459 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method including presenting a listing of offerings at a website; presenting a view selection object to the user at the website; in response to receiving a selection of the view selection object, presenting an alternate view of the offerings at the website based on a predefined selection criteria. | 2014-10-02 |
20140297460 | Methods, Systems, and Products for Electronic Purchases - A server receives an electronic shopping cart from a client device. The electronic shopping cart describes an item for purchase from a merchant. The server comparison-shops to determine a different merchant offering the same or comparable item for sale. The server sends a notification to the client device describing a lower price offered by the different merchant. The server may then receive an approval to replace the item selected for purchase from the merchant with the item offered by the different merchant. | 2014-10-02 |
20140297461 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising providing an electronic marketplace; receiving a user selection, via an interface, of a region of the electronic marketplace for listings of region-specific offerings available in the user-selected region of the marketplace; receiving, from the user, a selection of a region; presenting, via the interface, geographically customized information relating to the region-specific offerings available in the user-selected region of the marketplace; and receiving, from the user, a request to purchase a region-specific offering via the marketplace. | 2014-10-02 |
20140297462 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising storing information corresponding to a plurality of items to be presented at a community site associated with a national electronic marketplace, wherein the plurality of items is a subset of items offered by the national electronic marketplace; presenting, at the community site, information pertaining to the plurality of items in a community-specific manner, and receiving, from a user, a request to purchase one or more of the plurality of items via the community site. | 2014-10-02 |
20140297463 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising providing an electronic marketplace; providing an interface allowing a user to access the marketplace and view offerings available in a region of user-location of the marketplace; presenting, in the interface, geographically customized information relating, to the offerings available in the region of user-location of the marketplace; and receiving, from the user, a request to purchase a region-specific offering via the marketplace. | 2014-10-02 |
20140297464 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising storing information corresponding to a plurality of items to be presented at a regional site associated with a global electronic marketplace, wherein the plurality of items is a subset of items offered by the global electronic marketplace; presenting, at the regional site, information pertaining to the plurality of items in a region-specific manner and receiving, from a user, a request to purchase one or more of the plurality of items via the regional site. | 2014-10-02 |
20140297465 | DYNAMIC HOSTED SHOPPING CART - According to an embodiment, a system comprises a remote server adapted to interact with a buyer device and one or more other servers over a network, wherein the remote server is adapted to implement a shopping cart. The system also comprises one or more processors, and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to receive, at the remote server, first transaction info nation from the buyer device through the shopping cart, wherein the first transaction information comprises a transaction request from a first seller; receive, at the remote server, second transaction information from the buyer device through the shopping cart, wherein the second transaction information comprises a transaction request from a second seller; and process the first and second transaction information through the shopping cart for the first and second seller. | 2014-10-02 |
20140297466 | SHOPPING AT E-COMMERCE SITES WITHIN A BUSINESS PROCUREMENT APPLICATION - In an embodiment, a method comprises sending, from a procurement computer to a client computer, a message indicating that a pre-authorization request for one or more requested items from an e-commerce website was approved; causing displaying a particular item as approved for purchase from the e-commerce website; causing launching a web browser and causing downloading a shopping cart webpage of the e-commerce website; sending, from the procurement computer to the shopping cart webpage, item information associated with the particular item, and causing displaying the item information on the shopping cart webpage as one of one or more ordered items; in response to determining that the user requested to proceed to a checkout webpage, causing downloading the checkout webpage and causing displaying the one or more ordered items on the checkout webpage; causing placing a purchase order for the one or more ordered items from the checkout webpage. | 2014-10-02 |
20140297467 | Content Provider Feeds in a Food Product Asset Related Network - A method for enabling network communication relating to a food preparation asset may include receiving, from a third party participant, a registration request to join a community including asset operators that operate at least one food preparation asset and registering the third party participant as a community member. The method may further include providing the third party participant with access to a communication network for sharing content items related to the asset and providing the third party participant with content creation tools to facilitate the creation of content items that include instructions associated with operation of the asset relative to preparation of a food product. The method may further include enabling the third party participant to distribute the content items to the asset operators via the communication network. The content items may include at least identifying information to identify the third party participant and a contact link to enable the asset operators to contact the third party participant. The content items may provide at least one instruction specific to operation of the asset. | 2014-10-02 |
20140297468 | Consumer Contractor Connector Apparatuses, Methods and Systems - Consumer contractor connector apparatuses, methods and systems transform consumer project information, selected items, desired bids, milestones met, milestone payment request, accepted jobs, bid selection, and contractor information inputs via CCC various components into project payment outputs. The CCC may receive consumer project information from the consumer and retrieve contractor profiles to determine at least one contractor that has been prequalified as capable of performing the project and as having obtained a bond commensurate in amount with an estimated project value. The CCC may retrieve a bid from the at least one contractor and retrieve consumer feedback including an accepted bid. Funds can be obtained from the consumer through an escrow account created with the funds. When a milestone is indicated as completed and the consumer accepts that the milestone was properly completed, a determined portion of the funds can be released to the contractor. | 2014-10-02 |
20140297469 | Consumer Monetization of Pre-existing Internet Usage Data - A system is described wherein a user provides pre-existing information to a data collection company, who in turn sells the data or use of the data to third parties and offers the user a portion of the sale proceeds. | 2014-10-02 |
20140297470 | SYSTEMS AND METHODS TO DELIVER GOODS TO A BUYER THAT IS DYNAMICALLY LOCATED - Systems and methods to deliver goods to a buyer that is dynamically located are described. The system communicates a user interface to a device that is identified as being located at a first location and associated with a customer. The user interface includes items that are identified as being located within a predetermined distance from the device. The system receives an order from the device that authorizes the purchase of an item and delivery of the item to the customer. The system automatically selects a courier from a plurality of couriers that are identified as being located at different locations. The system communicates a user interface to a courier mobile device that includes instructions to enable the courier to retrieve the item from a second location and deliver the item to the first location. | 2014-10-02 |
20140297471 | COMMODITY INTRODUCTION SYSTEM AND COMMODITY INTRODUCTION METHOD - A commodity introduction system including an exhibition stand for placing a commodity; a worktable for using by a staff; a service communication device placed on the worktable for using by the staff; a client communication device placed on the exhibition stand for using by a consumer, wherein the client communication device can communicate with the service communication device so that the staff can introduce the commodity placed on the exhibition stand to the consumer via the service communication device. In the present invention, the commodity introduction system can provide an easy shopping environment to the consumer, bringing convenience to the consumer. In addition, the present invention also relates to a commodity introduction method. | 2014-10-02 |
20140297472 | ANONYMOUS CHECK-IN AT A MERCHANT LOCATION - There is provided systems and method for merchant anonymous check-in at a merchant location. A user may bring a user device to a merchant location where the user may have previously checked-in at the merchant location and perform an anonymous check-in at the merchant location. Thus, the user device may provide the merchant location with a different or obfuscated identifier so the merchant does not identify the user from the previous check-in. Once the user has checked-in with the merchant, the user may make service requests for the merchant's staff, such as do not approach or service assistance. Additionally, the merchant may inform the user about loyalty account services and automatically enroll the user in a loyalty account. If the user has discounts, gift cards, or other benefits in a digital wallet, the merchant may offer the user other benefits related to the benefits in the digital to increase sales. | 2014-10-02 |
20140297473 | SYSTEM AND METHOD FOR EVALUATING CORRECTION SUBMISSIONS WITH SUPPORTING EVIDENCE - Embodiments of a system and method for evaluating correction submissions with supporting evidence may include, subsequent to a submitter being provided with item description information for an item offered for sale, receiving a correction submission specified by the submitter. The correction submission may specify a proposed modification to an attribute(s) in the item description information. Embodiments may include generating a measure of risk associated with performing the proposed modification to the item description information. Embodiments may also include, based on an evaluation of the measure of risk and one or more risk criteria, generating an indication that specifies whether the proposed modification to the item description information is permitted to be performed. Embodiments may also include receiving information for confirming the validity of the correction submission, which may include an image (e.g., a product image), or a network address (e.g., a URL to manufacturers website), or other information described herein. | 2014-10-02 |
20140297474 | SYSTEM TO DETECT AND PROVIDE USER INTERFACE NOTIFICATION OF CHANGE IN COMMERCE DATABASE - A method and system for automatically updating searches are described. In one embodiment, a first search result may be compared with a second search result to automatically identify at least one data item within the first search result that is changed relative to the second search result. The at least one data item may comprise a transaction term. A notification of the at least one data item may be transmitted to a user device. | 2014-10-02 |
20140297475 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising providing a particular version of a site associated with an electronic marketplace, wherein the electronic marketplace offers a plurality of offerings to a plurality of regions via a plurality of versions of the site; detecting a user access to the particular version of the site; receiving a request from the user and retrieving, based on the request, a region-specific version of an offering available in the region associated with the particular version of the site; and presenting the region-specific version of the offering to the user. | 2014-10-02 |
20140297476 | RANKING PRODUCT SEARCH RESULTS - Ranking product search results is disclosed, including: determining a plurality of sample pairs corresponding to a query word; determining a plurality of feature score values corresponding to a set of ranking features associated with the query word for each product associated with each of at least a subset of the plurality of sample pairs; and determining a set of weightings corresponding to the set of ranking features based at least in part on the plurality of feature score values and ranking priority assignments corresponding to the at least subset of the plurality of sample pairs. | 2014-10-02 |
20140297477 | Pre-Qualifying Sellers During the Matching Phase of an Electronic Commerce Transaction - A system providing seller pre-qualification during the matching phase of an electronic commerce transaction includes a directory structure comprising multiple hierarchically organized product classes, each product class categorizing multiple products and defining one or more attributes of the products categorized in the product class. The system also includes one or more pointers for each product class, each pointer identifying a seller database in which product data enabling a product transaction is stored for products categorized in the product class. The system further includes a search interface configured to communicate a search query for product data only to one or more seller databases associated with sellers having seller attribute values matching the specified seller attribute criteria, these seller databases being identified by the one or more pointers associated with the selected product class. | 2014-10-02 |
20140297478 | SYSTEMS AND METHODS FOR SEARCHING IN AN ELECTRONIC COMMERCE ENVIRONMENT - A method of searching an electronic commerce website includes searching a plurality of user profiles based upon a user-supplied search query for an item, establishing an interactive online session between the user and the at least one search facilitator, and providing for the at least one search facilitator to present one or more suggested item listings to a user through the electronic commerce website. The searching identifies at least one search facilitator profile among the plurality of user profiles. The search facilitator profile represents a search facilitator who can assist the user in locating the item within the electronic commerce website. | 2014-10-02 |
20140297479 | ELECTRONIC SYSTEM WITH REAL PROPERTY PREFERENCE MECHANISM AND METHOD OF OPERATION THEREOF - An electronic system includes: a control unit configured to identify a first indication input associated with a first real property post; generate a preference maximization profile of a second real property post based on the first indication input; generate a proposed property content based on the first indication input, the preference maximization profile, the second real property post, or a combination thereof for procuring a second indication input associated with the second real property post; and a display unit, coupled to the control unit, configured to display the proposed property content. | 2014-10-02 |
20140297480 | ITEM-SPECIFIC MONEY TRANSFER METHODS AND SYSTEMS - The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item. | 2014-10-02 |
20140297481 | METHOD AND SYSTEM OF FACILITATING A TRANSACTION - A method and system facilitate a transaction via a network-based transaction facility. For example, a pre-order relating to an item may be recorded in a database, a plurality of offers to sell the item may be received, and a matching operation may detect a correspondence between the pre-order and the plurality of offers. The pre-order may be set to a reserve state in the database responsive to detecting an offer of the plurality of offers matching the pre-order, in which the reserve state is to reserve the offer of the plurality of offers pending to perform a transaction with the pre-order. | 2014-10-02 |
20140297482 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising receiving from a user an indication of a target website containing content in a first language; receiving a user selection of a second language translating a portion of the content of the target website to the second language, and providing the translated portion of the content of the target website to the user in the second language. | 2014-10-02 |
20140297483 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising providing an electronic marketplace; providing an interface allowing a user to access the marketplace and view through select offerings available uniquely in a user-selected region of the marketplace; presenting, the interface, geographically customized information relating to the select offerings available only in the user-selected region of the marketplace; and receiving, from the user, a request to purchase a region-specific offering via the marketplace. | 2014-10-02 |
20140297484 | METHOD AND SYSTEM FOR LISTING ITEMS GLOBALLY AND REGIONALLY, AND CUSTOMIZED LISTING ACCORDING TO CURRENCY OR SHIPPING AREA - In one example embodiment, there is provided a method comprising providing an electronic marketplace; providing an interface allowing a user to access the marketplace and view offerings available in a user-selected region of the marketplace; presenting, in the interface, geographically customized information relating to the offerings available in the user-selected region of the marketplace; and receiving, from the user, request to purchase a region-specific offering via the marketplace. | 2014-10-02 |
20140297485 | Initial Calibration of Asset To-Be-Tracked - A mobile computing device hosts an operating system and mobile applications. A calibrating application causes display of an interface for entry of administrative data regarding an asset to-be-tracked. A positioning system defines locations of the asset in geospatial coordinates. The calibrating application displays a mapping function that shows on a map an initial location of the asset. Users adjust the initial location to a proper location on the map with a hand gesture on a display surface of the mobile computing device. A delta is noted between the initial and proper locations that the calibrating application applies later during tracking of the asset to precisely establish a whereabouts of the asset in its tracking environment. Other embodiments note techniques for entering administrative data. | 2014-10-02 |
20140297486 | Initial Calibration of Asset To-Be-Tracked - A mobile computing device hosts an operating system and mobile applications. A calibrating application causes display of an interface for entry of administrative data regarding an asset to-be-tracked. A positioning system defines locations of the asset in geospatial coordinates. The calibrating application displays a mapping function that shows on a map an initial location of the asset. Users adjust the initial location to a proper location on the map with a hand gesture on a display surface of the mobile computing device. A delta is noted between the initial and proper locations that the calibrating application applies later during tracking of the asset to precisely establish a whereabouts of the asset in its tracking environment. Other embodiments note techniques for entering administrative data. | 2014-10-02 |
20140297487 | STORAGE CONTAINER WITH INVENTORY CONTROL - Systems and methods of the invention relate to managing an inventory of items within a storage container. A storage container can house one or more items for distribution among one or more users such as, for instance, employees. The storage container discussed herein provides authentication of a user, tracking of the inventory each user removes or returns, video/image capture of user during access of the storage container, wireless tracking of items housed within the storage container, among others. | 2014-10-02 |
20140297488 | Method for handling refunds in a budgeting system - A method, system and computer software are provided that allows a user to process refunds in order to correctly calculate cash flow and to display it in a meaningful manner to a user. | 2014-10-02 |
20140297489 | SYSTEMS AND METHODS FOR PROVIDING SHARE ASSESSMENT DATA WITH CASH FLOW ANALYSIS - A computer-implemented method for transforming company performance data thereby to provide cash flow assessment data, the method including: maintaining access to a repository of data for a plurality of shares, wherein the data includes, for each share, company performance data for the company in respect of which the share is issued; receiving, from a client, a cash flow assessment request for a given one of the shares; obtaining from the repository, for the user selected share values for a set of data fields associated with the given one of the shares, wherein values include, for one or more historical periods a profit quantifier a paid dividend quantifier, and one or more cash flow quantifiers; determining a funding gap/surplus quantifier for each historical period wherein each funding gap quantifier is derived from a calculation that accepts inputs including the paid dividends quantifier and one or more of the cash flow quantifiers; defining data indicative of a chart to be displayed by the client, wherein the chart displays, for each historical period, overlaid on common axes, the profit quantifier, the paid dividends quantifier, one or more of the cash flow quantifiers, and the funding gap quantifier; and providing the defined data to the client thereby to allow generation of the chart. | 2014-10-02 |
20140297490 | W-9 EXCHANGE SYSTEM AND METHOD - A system and method is presented for sharing tax-related information. A repository is provided for storing tax-related information corresponding to a taxpayer identification number. A user access may gain access to the repository based on a pre-determined criterion and, upon the user accessing the repository, the user is permitted to at least one of add tax-related information corresponding to taxpayer identification number to the repository, access the tax-related information stored in the repository, or change the tax-related information stored in the repository. | 2014-10-02 |
20140297491 | FLEXIBLY PRICING CLOUD COMPUTING SERVICES - Technology is described for flexibly pricing cloud computing services. In some examples, the technology may receive at a cloud service provider a first set of information from an Internet service provider that provides an Internet service. The first set of information may relate to expected user behavior of a representative user of the Internet service provider. The technology may identify one or more computing resources employed by the Internet service provided by the Internet service provider and analyze the first set of information to determine a cycle. The cycle is a function of the computing resources expected to be employed by the representative user of the Internet service provider. The technology may compute a service fee for each instance of the cycle and allocates the service fee to the Internet service provider. | 2014-10-02 |
20140297492 | Electronic Enterprise Capital Marketplace Apparatus and Method - An automated and interactive system that facilitates efficient capitalization/liquidation and monitoring of private and publicly-traded enterprises through a network-driven marketplace is disclosed. The system may be comprised of a dynamic process for enterprise characterization, a customizable computational engine that utilizes statistical reference information to quantify a multi-factor scoring value for each unique enterprise, a customizable system for investor-users to filter, rank, and screen enterprise prospects, a customizable system for monitoring the performance of enterprises, an integrated internal system for electronic communication between market participants, and an empirical feedback system that provides a dynamic knowledge base of statistical reference information for various computational components of the invention. | 2014-10-02 |
20140297493 | SYSTEMS AND METHODS FOR MANAGING A FINANCIAL INVESTMENT FUND - Providing a financial investment fund includes receiving a plurality of individual funds corresponding to a plurality of investors respectively and aggregating the plurality of individual funds into an aggregated fund. Next, providing a financial investment fund includes purchasing a plurality of financial instruments from at least one financial institution with a first portion of the aggregated fund and placing a second portion of the aggregated fund in a transaction account. The financial investment fund may include at least the financial instruments and the transaction account. In addition, one of the at least one financial institution may use at least a portion of the first portion of the aggregated fund received in exchange for the plurality of financial instruments to perform a function of the financial institution. | 2014-10-02 |
20140297494 | Electronic Crime Detection and Tracking - A system for electronic crime reduction is provided, comprising a computer system, a database, a malware de-compiler, a malware parser, and an inference engine. The database contains information that associates electronic crime attack signature data with at least one of an individual, a group, and a location. The malware de-compiler, when executed on the computer system, translates a first malware executable to an assembly language version. The first malware is associated with an electronic crime that has been committed. The malware parser, when executed on the computer system, analyzes the assembly language version to identify distinctive coding preferences used to develop the first malware. The inference engine, when executed on the computer system, analyzes the distinctive coding preferences identified by the malware parser application in combination with searching the database to identify one of an individual, a group, and a location associated with the electronic crime. | 2014-10-02 |
20140297495 | Multidimensional risk analysis - Certain embodiments of the present invention relate to dynamically displaying multiple market risk categories for each of at least one time frames in real time, wherein, each of the multiple market risk categories comprises at least one market risk dimension, dynamically assessing within each of the various market risk categories based upon at least one or more of multiple risk dimensions, dynamically designating various aggregate combinations of market risks for each of at least one time frames in real time in response to said dynamically assessing within each of the various market risk categories, and dynamically forecasting possible Bullish Believer or Bearish Believer direction or Neutral Believer direction with an assigned category of risk in response to said dynamically designating the various aggregate combinations of market risks. Certain embodiments of these methods and systems can be applied to the financial markets, such as stocks, commodities, futures, options, foreign currencies, ETFs, ETNs, etc. | 2014-10-02 |
20140297496 | GENERATING A PROBABILITY ADJUSTED DISCOUNT FOR LACK OF MARKETABILITY - A method, system, and medium are provided for generating a probability adjusted discount for lack of marketability (DLOM) for an asset to be valued. A user interface is provided to receive a selection of a number of parameters associated with the asset to be valued and to receive an estimated volatility for the asset's value. A selection of a database containing transaction data associated with previously closed asset sales can also be received. An adjusted mean and standard deviation for transaction periods associated with the selected parameters and the previously closed asset sales is determined. A statistical modeling application provides a log-normal probability distribution of the probability of closing a sale of the asset with respect to time. Time period-specific DLOMs are calculated, weighted based on the probabilities depicted by the distribution, and summed to provide the probability weighted DLOM, which is presented to the user via the user interface. | 2014-10-02 |
20140297497 | COMPOUND REDEMPTION PROCESSOR - The present invention provides methods and apparatus one or more of: creating, issuing and redeeming Compound Redeemable Instruments. Apparatus can include a computerized system with executable software that is executable upon demand to process Redemption Instances as well as create and issue Compound Redeemable Instruments. | 2014-10-02 |
20140297498 | Broker Commission Allocation System - Methods and systems for allocating trades to multiple brokers are disclosed. An execution algorithm for an order is selected. A weighting allocation is for the order to brokers is specified. The order is allocated based on the weighting allocation and execution algorithm. The order is subsequently transmitted for execution. | 2014-10-02 |
20140297499 | SYSTEM FOR ANALYZING CHARACTERISTICS OF STOCK INFORMATION IN CONJUNCTION WITH BASEBALL TERMINOLOGY, AND METHOD FOR PROVIDING THE CHARACTERISTICS - Provided are a system and method which enable the formation of a correlation between information on stock transactions and baseball terminology in order to express the information, thereby facilitating the understanding of the characteristics of stock transactions via the characteristics of baseball terminology, and more particularly, to a system and method for more easily relaying information to stock investors using a system that links the results of the inherent transaction prices of stocks to terminology having similar meanings to terminology used in baseball. | 2014-10-02 |
20140297500 | Systems For Electronic Trading - Systems are provided to manage option information. According to some embodiments, a user interface is provided including at least one option quote area presenting a plurality of option quotes, and an order entry area comprising input areas for inputting two or more option orders. A selection of one of the presented plurality of option quotes may be received and details of an option order corresponding to the selected option quote may be presented in appropriate input areas of the order entry area. In some aspects, a number of option quotes to present in at least one of the at least one option quote area is received, and the number of option quotes is presented in the at least one of the at least one option quote area. | 2014-10-02 |
20140297501 | System and Method for Reducing the Risks Involved in Trading Multiple Spread Trading Strategies - System and methods for reducing the risks involved in trading multiple spread trading strategies in an electronic trading environment are provided. Specifically, reducing the risks involved in trading multiple spreads that share a leg by, among other things, quoting a single order in the shared leg instead of quoting orders for each of the corresponding spread legs. Based on the computed quote price for the single order, associating the single order with the leaned on price that results in the price closest to the inside market in the shared leg. The single quote order is based on the market conditions in the spread legs and the desired spread price. Once the single order fills, a hedge order is sent to the leg that obtains the most advantageous price for the spread based on the other spread options. | 2014-10-02 |
20140297502 | Defensive Volatility Index Apparatuses, Methods, and Systems - A rule-based signal-driven algorithmic index and associated financial products for providing downside protection against a volatile index by tracking a long-volatility position placed in the short term or the medium term of an implied volatility curve for a stock index, based on the steepness of the short-term end of the curve versus the steepness of the medium-term end of the curve. | 2014-10-02 |
20140297503 | METHODS AND SYSTEM FOR VISUALLY DESIGNING TRADING STRATEGIES AND EXECUTION THEREOF - In one embodiment, the instant invention includes a computer-implemented method having steps of: providing a plurality of pre-programmed components; receiving an alert strategy, representing a strategy diagram made on a computer screen from the plurality of provided pre-programmed components; validating the alert strategy, where the validation includes generating, real-time, a smart chart for the alert strategy; receiving a selection of at least one trading instrument for which the alert strategy to be executed; executing the alert strategy for the trading instrument based, at least in part, on one of: i) historical market data and/or ii) real-time market data, where the execution of the at least one alert strategy automatically reflected in the generated smart chart; and generating a buy/sell alert when the execution of the alert strategy meets a condition pre-determined by the alert strategy. | 2014-10-02 |
20140297504 | METHOD AND SYSTEM FOR PROCESSING ELECTRONIC DATA TRANSACTION MESSAGES - Data transaction request message information associated with a user, a first limit parameter associated with the user, and a second limit parameter associated with the user are stored in memory. A processing system calculates, at a first time, data transaction requests associated with the user and a transactional rate parameter associated with the user based on a relationship between the data transaction requests associated with the user and the second limit amount parameter. Data transaction request messages received from the user between the first time and a second later time are monitored. The transactional rate parameter is adjusted based on data transaction requests associated with the user received between the first and second times. A transactional limit parameter is calculated using the data transaction requests associated with the user, the transactional rate parameter, and the first limit parameter. When the transactional limit parameter is exceeded, execution of further data transactions of a first type requested by the user between the first time and the second later time is suspended. | 2014-10-02 |
20140297505 | SLICER ORDER QUANTITY REDUCTION TOOL - The disclosed embodiments generally relate to a slicer order quantity reduction tool. An example method for reducing a quantity of a slicer order includes calculating a collective quantity associated with available ones of a plurality of child orders; comparing the collective quantity and a reduction amount received in connection with a quantity reduction request for the slicer order; and determining, when the comparison indicates that the available ones of the child orders have insufficient quantity to meet the reduction amount, whether inflight ones of the plurality of child orders collectively have sufficient quantity to make up a shortfall of the available ones of the child orders. | 2014-10-02 |
20140297506 | SYSTEM AND METHOD FOR ICON ORIENTED REPRESENTATION OF TRADING STRATEGIES - A system and method for visually establishing a trading strategy are described. According to one method, a trader can position a first icon corresponding to a first order and a second icon corresponding to a second order in relation to a first value axis displayed on a graphical interface. A graphical means can also be used in relation to the icons to show that the icons correspond to a trading strategy. The graphical means can include lines, numbers, or any other user-configurable graphical representation illustrating order precedence, for example. | 2014-10-02 |
20140297507 | METHOD, DEVICE AND SYSTEM FOR COLLABORATIVE ORDER - A method and system for collaborative order are provided. The method may include receiving a collaborative order request, containing commodity information, sent by a subscriber. A related user of the subscriber may be identified from a set of users related to the subscriber. A collaborative order invitation for the commodity may be sent to the related user to invite the related user to send sub-order information for the commodity. Order information for the commodity sent by the subscriber and sub-order information for the commodity sent by the related user may be received and combined, to obtain combined order information. The combined order information may be sent to a trading platform for processing trade of the commodity by processing the combined order information. | 2014-10-02 |
20140297508 | METHOD, APPARATUS AND INTERFACE FOR TRADING MULTIPLE TRADEABLE OBJECTS - An interface for trading multiple tradeable objects includes a price axis or scale. A first indication of quantities represented in a market for a first tradeable object is displayed in association with the price axis or scale. A second indication of quantities represented in the market for a second tradeable object is displayed in association with the price axis or scale. The first tradeable object may be different than the second tradeable object. Alternatively, the first tradeable object and the second tradeable object may be the same, but the indications of quantity may be provided from different sources, such as different exchanges. | 2014-10-02 |
20140297509 | METHODS AND SYSTEMS FOR MONITORING AND CONTROLLING ORDER MESSAGE TRAFFIC - Example methods, systems, and tangible computer readable storage media disclosed herein provide for tracking of order messages. An example method includes tracking, using a computing device, an order message, the order message including an order for a tradeable object in a trading market. The trading market includes an inside market. The example method includes determining, using the computing device, whether the order is directed to the inside market of the trading market. If the order is determined to be directed to the inside market, the example method includes adjusting a weighting factor to decrease a message ratio. The message ratio compares a weighted order message total to a fill total. If the order is determined to be directed away from the inside market, the example method includes adjusting a weighting factor to increase the message ratio. The example method includes determining, using the computing device, if the message ratio satisfies a message ratio threshold. The example method includes implementing, using the computing device, message ratio handling if the message ratio satisfies the message ratio threshold. | 2014-10-02 |
20140297510 | METHOD AND SYSTEM FOR VENDOR-NEUTRAL SUBCONTRACTOR ENABLEMENT - A method implemented in a computer infrastructure having computer executable code, includes receiving information in support of a bid and determining if value-add eligibility criteria is met. Additionally, the method includes calculating a bid price based on the information if the value-add eligibility criteria is met, updating a record indicating the bid price and tracking additions and changes to the record. | 2014-10-02 |
20140297511 | SYNTHETIC SPREAD TRADING - Synthetic spread trading strategies are represented and managed as homogeneous tradeable objects. Relationships between a synthetic spread and its constituent parts are defined and states for a spread are developed for accurately reporting, tracking and otherwise administering a synthetic spread and its constituent parts. A state of a synthetic spread is identified as working, pending, legged or filled. The states, in addition to identification of a synthetic spread's constituent parts, introduces information to allow a spread order and its post trade analysis to be consistently and effectively managed by multiple trading tools. | 2014-10-02 |
20140297512 | SYSTEM AND METHOD FOR MANAGING TRADING USING ALERT MESSAGES FOR OUTLYING TRADING ORDERS - According to one embodiment, a method of managing trading is provided. In a market for a particular type of instrument, buy orders and sell orders are received from a plurality of traders. Each buy order has an associated bid price and each sell order has an associated offer price. A determination is made of whether the particular trading order is an outlying trading order by determining whether the particular trading order differs from at least one comparison price by more than a threshold value. If it is determined that the particular trading is an outlying trading order, a restrictive action is taken regarding the outlying trading order. For example, if a trader subsequently submits another trading order that would trade with the outlying trading order, an alert message may be sent to the trader and the subsequent trading order may be prevented from trading with the outlying trading order at least temporarily. | 2014-10-02 |
20140297513 | SYSTEM AND METHOD FOR MANAGING EDUCATIONAL INSTITUTION BORROWER DEBT - A system is disclosed that makes it easy for educational institutions to contact and counsel student loan borrowers to promote successful loan repayment. The system is a web-based tool that automates borrower communication through telephone, letter and email campaigns, using loan information that is obtained through third-party loan servicers by the educational institution and then uploaded into the system. The self-service default prevention tool aggregates loan data form multiple sources in one place to perform borrower outreach, offers targeted communication campaigns to address borrowers in repayment, displays real-time estimated default rate trends, and provides on-demand reports. A dashboard is generated that provides a snapshot of the educational institution's entire portfolio, projected cohort default rates, trending analysis charts, important messages and a history of file imports. | 2014-10-02 |
20140297514 | SYSTEM AND METHOD FOR MANAGING EDUCATIONAL INSTITUTION BORROWER DEBT - A system is disclosed that makes it easy for educational institutions to contact and counsel student loan borrowers to promote successful loan repayment. The system is a web-based tool that automates borrower communication through telephone, letter and email campaigns, using loan information that is obtained through third-party loan servicers by the educational institution and then uploaded into the system. The self-service default prevention tool aggregates loan data form multiple sources in one place to perform borrower outreach, offers targeted communication campaigns to address borrowers in repayment, displays real-time estimated default rate trends, and provides on-demand reports. A dashboard is generated that provides a snapshot of the educational institution's entire portfolio, projected cohort default rates, trending analysis charts, important messages and a history of file imports. | 2014-10-02 |
20140297515 | SYSTEM AND METHOD FOR MANAGING EDUCATIONAL INSTITUTION BORROWER DEBT - A system is disclosed that makes it easy for educational institutions to contact and counsel student loan borrowers to promote successful loan repayment. The system is a web-based tool that automates borrower communication through telephone, letter and email campaigns, using loan information that is obtained through third-party loan servicers by the educational institution and then uploaded into the system. The self-service default prevention tool aggregates loan data form multiple sources in one place to perform borrower outreach, offers targeted communication campaigns to address borrowers in repayment, displays real-time estimated default rate trends, and provides on-demand reports. A dashboard is generated that provides a snapshot of the educational institution's entire portfolio, projected cohort default rates, trending analysis charts, important messages and a history of file imports. | 2014-10-02 |
20140297516 | METHOD FOR PROVIDING COMPOSITE USER INTERFACE CONTROLS AND AN ONLINE STOREFRONT FOR SAME - The present disclosure provides a method for providing composite user interface controls and a library or online storefront for same. In one aspect, there is provided a method for a client computer of sharing a custom control, comprising: receiving by a browser an encrypted custom control comprising a number of user interface elements which are positioned in a specified manner with respect to each other, wherein each of the user interface elements has one or more properties; receiving by the browser a decryption key; and decrypting by the browser the encrypted custom control using the decryption key. | 2014-10-02 |
20140297517 | MOBILE CHECK BOOK - A service provider permits a user to set a digital check account for having digital checks issued therefrom and generated on the user device. The digital check bears a routing number, an account number, an account holder's name, a check amount, a signature of the user, and a payee's name. The digital check may be generated by a local user application on the user device via check information entered by the user and account information either saved locally in the user device or transmitted real time by the service provider. The digital check may be generated on the user device via a full interactive process after the service provider receives a digital check issuance request with a payee identifier and the check amount. The digital check may be issued from either the service provider's own account or an external account(s) the user has with a third party. | 2014-10-02 |
20140297518 | REMOTE DELIVERY OF DIGITAL ARTIFACTS - A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen. | 2014-10-02 |
20140297519 | AUTOMATIC RESTITUTION OF TRANSACTION FEES, PUNISHMENT OF NON-PAYING BIDDERS, AND MANAGEMENT OF APPEALS - A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where a dispute has arisen with respect to the transaction. | 2014-10-02 |
20140297520 | USE OF A DIGITAL WALLET APPLICATION - A system and method for using a digital wallet application is provided. In a wallet application on a mobile device, a list of entities is provided. The list of entities comprises entities with which the user has previously conducted a value transfer using the wallet application. A selection of an entity from the list of entities is received. A new value transfer is initiated with the selected entity in response to the received selection. | 2014-10-02 |
20140297521 | Elastic Scaling of Data Volume - Embodiments are directed towards a system and method for a cloud-based front end that may abstract and enable access to the underlying cloud-hosted elements and objects that may be part of a multi-tenant application, such as a search application. Search objects may be employed to access indexed objects. An amount of indexed data accessible to a user may be based on an index storage limit selected by the user, such that data that exceeds the index storage limit may continue to be indexed. Also, one or more projects can be elastically scaled for a user to provide resources that may meet the specific needs of each project. | 2014-10-02 |
20140297522 | System and Method for Risk Evaluation in EFT Transactions - Embodiments of the invention are directed to a computer-implemented method for facilitating risk assessment for an EFT transaction. The transaction occurs between at least an originating participant and a destination participant. The method includes maintaining an alias table stored in a computer memory, the alias table containing country information for facilitating identification of a corresponding country associated with at least one EFT participant. The method additionally includes making a country identification implementing a computer processor through consultation with the alias table and execution of a matching process, the matching process incorporating the EFT data and alias table country information to identify the corresponding country. The method further includes passing the country identification to risk analysis components for evaluating risk associated with the transaction. | 2014-10-02 |
20140297523 | POINT OF SERVICE TRANSACTION MANAGEMENT FOR SERVICE FACILITIES - The present invention enables the collection by credit/debit card payment of customer co-pay and self-pay charges via an integrated point-of-service transaction management system and method. The system and method of the present invention may assist health care facilities in the collection of co-pay and self-pay charges at the time service is rendered. The present invention can be implemented anywhere cash, checks, credit cards or debit cards are accepted for payment. | 2014-10-02 |
20140297524 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR MANAGING WALLET ACTIVATION - Systems, methods, and computer program products are provided for managing activation in a mobile wallet. A wallet activation request is received from a wallet client. The wallet activation request is transmitted to a central trusted service manager (TSM). One or more push messages including activation data are received from the TSM, and the push messages are transmitted to the wallet client, in response to a second request from the wallet client while the wallet client is in an active state. | 2014-10-02 |
20140297525 | PROVIDING ESCROW SERVICE FOR DIGITAL WALLET TRANSACTIONS - A system and method for facilitating a value exchange transaction are provided. A request is received from a wallet application on a mobile device of a first user. The request indicates a transfer of a value to a second user. The value is associated with a source from a plurality of sources associated with a user account of the first user. The plurality of values comprise monetary values and non-monetary values. The value indicated in the request is transferred to an escrow account. | 2014-10-02 |
20140297526 | Cash and/or Financial Document Handling System - A controller comprising: a database; a control module associated with the database; and a network interface configured to connect, over a network, to a plurality of workstations and at least one machine for performing operations to handle cash and/or other physical financial documents. The network interface receives requests from at least some of the workstations over the network, each comprising a request to pre-order a respective one of the operations. The requests are stored in the database. The network further receives, over the network, a signal from or on behalf of a slave module of the machine for retrieving one of the requests from the database. The control module processes the signal and in response releases the respective operation, the release comprising issuing an instruction to the slave module over the network controlling the machine to perform the respective operation to handle the cash and/or other physical financial document. | 2014-10-02 |
20140297527 | SYSTEM AND METHOD FOR LOCATION BASED VALIDATION VIA MOBILE DEVICE - A system and method is presented for approving or disapproving a transaction requested by an initiating device based on a physical location of a mobile device associated with a user relative to a physical location of the initiating device. A user attempting to perform a sensitive action at an initiating device provides user data to the initiating device. After validating the user data, the system determines a mobile device associated with the user. In order to confirm the user data, the system determines a location of the initiating device relative to a location of the associated mobile device. If the mobile device is within a predefined proximity of the initiating device, the received user data is confirmed as valid and the transaction is approved. | 2014-10-02 |
20140297528 | METHOD AND SYSTEM FOR VALIDATING PERSONALIZED ACCOUNT IDENTIFIERS USING BIOMETRIC AUTHENTICATION AND SELF-LEARNING ALGORITHMS - A system and method for biometric authentication of a user using a personalised identification and associated biometric data therewith is disclosed. In one embodiment, a plurality of personalised identifiers and biometric data may be captured from a number of users and stored in a repository as stored records. The process of authentication may be divided into two phases. In the first phase, either a speech recognition or character recognition process may be applied in order to determine the text spoken or written by the user. Subsequently a few records may be fetched from the repository on the basis of text mapping. In the second phase, biometric authentication may be performed by comparing the biometric sample with the stored biometric data corresponding to the fetched records to uniquely identify a single user. Further a machine learning technique may be applied in order to periodically refine a plurality of models stored in the repository. | 2014-10-02 |
20140297529 | Point Of Access Device For Use With A Mobile Device - Methods and systems relating to enabling a transaction are described. The system includes a point of access device comprising a magnetic card reader adapted to read financial data stored on a magnetic stripe of a card, a fingerprint sensor adapted to detect fingerprint data of a user, a processor adapted to generate an analog signal encoding the financial data and the fingerprint data. The system further includes a transaction processing system comprising an interface for receiving the analog signal and a processor for processing the analog signal and enabling the financial transaction based on the processed signal. The system may further include a mobile phone coupled to the point of access device. The mobile phone receive the analog signal from the point of access device and transmits the analog signal to the transaction processing system. | 2014-10-02 |
20140297530 | System and Method for Transaction Authentication - Some implementations provide a method that includes: generating an association, at a mobile device, between a government-issued identification document of a user and a mode of payment; receiving, at the mobile device, a presentation of the government-issued identification document of the user to support a request for payment; validating whether the presented government-issued identification document is a valid identification of the user; and in response to validating the presented government-issued identification document, proceeding with payment by using the mode of payment. | 2014-10-02 |
20140297531 | VIRTUAL MONEY BALANCE BYPASS INQUIRY METHOD, SYSTEM AND COMPUTER-READABLE STORAGE MEDIUM - Provided is a virtual money balance bypass inquiry method, comprising: receiving a purchase demand submitted by a client, wherein the purchase demand contains the sum to be paid; receiving a balance inquiry request which is transmitted by the client in asynchronous mode, wherein the balance inquiry request contains the sum to be paid; inquiring the balance of a user account according to the balance inquiry request, and obtaining a result flag by comparing the balance of the user account with the sum to be paid; returning the result flag to the client in asynchronous mode. | 2014-10-02 |
20140297532 | ITEM-SPECIFIC MONEY TRANSFER METHODS AND SYSTEMS - The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item. | 2014-10-02 |
20140297533 | SYSTEM AND METHOD OF ELECTRONIC PAYMENT USING PAYEE PROVIDED TRANSACTION IDENTIFICATION CODES - Computerized payment method using short, temporary, transaction ID (TID) symbols for secure payer (customer) financial transactions. Payees (e.g. merchants) register their unique ID telecommunications devices (e.g. Smartphone and phone number), and financial institution a payment server. When a payee (merchant) and wish to do a financial transaction, the payee requests a TID from the server for that amount. The server sends a TID to the payee, which the payee then communicates to the payer. The payer in turn relays this TID to the server, which validates the transaction using the payer device. The server then releases funds to the payee. The server preserves records for auditing, but security is enhanced because the merchant never directly accesses the customer's financial account. Use of GPS coordinates and/or payer provided Group IDs may also be used to reduce the number of symbols used in the TID while continuing to ensure uniqueness. | 2014-10-02 |
20140297534 | ACCOUNT PERMANENCE - A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device. | 2014-10-02 |
20140297535 | System and Method for Compliant Integrated Workflow - One or more embodiments of the invention allows a customer to use a uniform graphical user interface instead of multiple, discrete processing software applications and discrete hardware peripherals with different graphical user interfaces to enter data, perform workflow processing, validate the data entered and guide the customer with instructions. One or more embodiments of the invention simplifies the transfer of data between different applications/systems which are used in a workflow process, simplifies the entry of data by reducing or eliminating the need to reenter the same data, provides validation of the data entered by the customer and guides the customer with instructions. The data may also be transferred from one discrete hardware peripheral to another peripheral or a third party software application and increases customer ease by presenting the user with a uniform graphical user interface. | 2014-10-02 |
20140297536 | System and Method for Processing Bank Notes - A system for processing bank notes and a corresponding method comprises at least one bank-note processing machine having a central control device on which only those software modules are implemented that are necessary for the standard operation of the bank-note processing machine for counting, checking and/or sorting bank notes. At least one application server is connected to the bank-note processing machine via an external communication network and has implemented thereon at least one further software module which is executed on the application server and provides an application which provides at least one function going beyond the standard operation of the bank-note processing machine. The application provided on the application server involves a configuration application, a serial-number application, a reporting application and/or a servicing application. | 2014-10-02 |
20140297537 | AUTOMATED APPLICATION PROGRAMMING INTERFACE (API) SYSTEM AND METHOD - A method for leveraging email to complete an online transaction from a third party vendor, the method comprising: storing customer information, the customer information including a customer name, customer email address, customer shipping address, and customer billing information. The method further comprises receiving an authorization request from an application programming interface associated with a third party vendor requesting access to a portion of the customer information and receiving confirmation from a customer to allow the third party vendor to access the portion of the customer information. The method further comprising transmitting an access code to the third party vendor and receiving a request message from the third party vendor, wherein the request message comprises the access code, and wherein the request message requests an authorization token. The method may further comprise confirming the received access code and transmitting an authorization token to the third party vendor. | 2014-10-02 |
20140297538 | System and Method for Data and Identity Verification and Authentication - A system for verifying and authenticating the identity of a user in a transaction. The user's identity is authenticated through the user's computer, tablet computer, mobile computing device, web browser (as a web-page, or as a plug-in for the browser), or other computing device by means of a single-use, time sensitive, system-generated transaction token and user selected system PIN. The user presents the transaction token to the vendor or merchant, which forwards a request for authentication to the system. The system prompts the user to confirm the transaction and enter the PIN into the device used to generate the transaction token. Upon confirmation, the transaction is completed. | 2014-10-02 |
20140297539 | DONGLE DEVICE WITH RECHARGEABLE POWER SUPPLY FOR A SECURE ELECTRONIC TRANSACTION - The various embodiments herein provide a dongle device with rechargeable power supply for a secure electronic transaction. The dongle device comprises a slot for swiping a magnetic stripe card, a slot for inserting a contact type card, a rechargeable battery, a recharging circuit, a key pad, a key pad cover, a connector, wherein the connector is an audio jack, a cover for safeguarding the connector, a stylus, a universal serial bus (USB) port, a processor and a display. The rechargeable battery is powered by the recharging circuit when a residual battery level of the rechargeable battery falls below a preset value. The key pad is used to enter PIN and the key pad cover prevents an onlooker from viewing and learning the PIN entered by a user. | 2014-10-02 |
20140297540 | DONGLE DEVICE WITH TAMPER PROOF CHARACTERISTICS FOR A SECURE ELECTRONIC TRANSACTION - The various embodiments herein provide a dongle device with tamper proof characteristics for a secure electronic transaction. The dongle device comprises a housing which includes a first half comprising a main circuit board and a second half comprising a secondary circuit board, a slot for swiping a magnetic stripe card, a slot for inserting a contact type card, a communication module, a key pad, a connector, a cover for safeguarding the connector, a stylus, a universal serial bus (USB) port, a processor and a display. The processor continuously monitors a connection between the main circuit board and the secondary circuit board and kills the dongle device when processor detects a tampering. The first half and the second half of the dongle device are ultrasonically sealed together. The main circuit board and the secondary circuit board are electrically and electronically connected through a compressible connector. | 2014-10-02 |