44th week of 2013 patent applcation highlights part 67 |
Patent application number | Title | Published |
20130290102 | Method of serving dynamic advertisement that changes as user approaches a business geo-location - A method is provided for displaying dynamic advertisement based on the distance of a client to the physical business location. The method uses geo-location and user identifier to determine the appropriate ad content of an advertisement to present to the user. | 2013-10-31 |
20130290103 | Affinity Relationship Based Ecommerce - Data characterizing an offer for sale of a good or service by a seller is received. The data specifies constraints of the offer. The constraints identify a plurality of groups of potential buyers to which the offer is to be conveyed and characterizes conditions specifying how the offer is to be conveyed to each group. At least one of the groups is determined based on an affinity relationship of the potential buyers in that group to the seller. The terms of the offer may vary between at least two of the plurality of groups based on the relationship. A plurality of formatted offers can be generated. Each formatted offer corresponds to a respective group and to an online marketplace. At least one of the formatted offers can be posted to a respective group according to the conditions. Related apparatus, systems, techniques and articles are also described. | 2013-10-31 |
20130290104 | DATA DELIVERED TO TARGETED MOBILE DEVICE - A data management system for a mobile device includes a communications module storing content created by a user of the system for delivery to a customer. A database module is connected to the communications module, matching customer data with user data and an identified geographic location of the customer in three-dimensional space to calculate a target customer for content delivery. A streaming module is connected to the database module which serves the content to the target customer. A priority module is connected to the streaming module for prioritizing the delivery of content to the target customer. The priority module determines an appropriate schedule for the delivery of the content to the target customer. The streaming module sends a notification to the mobile device that the content is available. The priority module receives, and authenticates with the database module, a first authorization by the target customer to deliver the content. | 2013-10-31 |
20130290105 | METHOD, SYSTEM, AND SOFTWARE FOR GEOGRAPHICALLY FOCUSED NETWORK ADVERTISING - A software based system and method of displaying location based information from an information site on a network by determining location data of a user of the location based information on the network. The location based information is generated based on the determined location data of the user; and generated location based information is provided to the user over the network. | 2013-10-31 |
20130290106 | SYSTEM AND METHOD FOR PROVIDING DIRECTIONS TO ITEMS OF INTEREST - The system and method directs or routes a user on a path within the mercantile environment which is either i) the quickest path from the user's position to a given product within the mercantile environment, or ii) a path that exposes the user to a plurality of products of potential interest to the user. | 2013-10-31 |
20130290107 | BEHAVIOR BASED BUNDLING - According to an example, browsing behavior of an individual in a physical store can be tracked with a camera. The browsing behavior of the individual can be associated with a product in the physical store. Information related to the product based on the associated browsing behavior can be communicated to the individual. | 2013-10-31 |
20130290108 | SELECTION OF TARGETED CONTENT BASED ON RELATIONSHIPS - Techniques for selecting a targeted content item for playback are described in various implementations. A method that implements the techniques may include receiving, at a computer system and from an image capture device, an image that includes a plurality of potential users of a presentation device. The method may also include processing the image, using the computer system, to determine an indication of a relationship between two or more of the plurality of potential users. The method may further include selecting, using the computer system, a targeted content item for playback on the presentation device based on the indication of the relationship. | 2013-10-31 |
20130290109 | Eliciting A Customer's Product Preference Propensities Among Sub-Groups In A Social Network - A method to elicit a customer's product preference propensities among sub-groups, with each of the sub-groups having multiple members based on at least one common attribute, begins when customer action data is collected through the actions of the customer in the sub-group. The actions include the customer's propensities to purchase a product while within the sub-group and the customers' responses to displayed marketing messages or surveys while within the sub-group. The customer action data collected in the sub-group is analyzed to determine a customer's product preference propensities in the sub-group. The customer is targeted, when within the sub-group, with an electronic display that includes at least one product that corresponds to the customer's product preference propensities within the sub-group. | 2013-10-31 |
20130290110 | SYSTEMS AND METHODS FOR PERSONALIZED GENERALIZED CONTENT RECOMMENDATIONS - Users receive content recommendations from a personalized, generalized recommendation service that aggregates and selects content of high personal relevance to each individual user from a large pool of both personal and public content. The received content is filtered and the content determined to be relevant is cached. When a user request for content is received, the cached content is rescored and the content determined to be most relevant based on satisfaction of a relevance threshold is selected and forwarded to the user. Feedback methodologies are also implemented so that a user's actions are taken into consideration in real time and can affect subsequent recommendations to the user. | 2013-10-31 |
20130290111 | SYSTEM AND METHOD FOR DELIVERY OF MARKETING FOR MULITPLE ENTITIES - A system for collecting and distributing advertisements to customers based on an event or attribute of the customers includes a client interface and a client database for storing advertising content. A processor receives distribution parameters from the client regarding the distribution of advertisement data to any one of a plurality of subscribers. A subscriber interface and a subscriber database are connected to the processor for storing profile data for each of the subscribers, the profile data including at least one dated attribute associated with the subscriber. For each of the client advertisement content stored in the client database, a corresponding distribution attribute is stored including at least in part a distribution date. The processor reviews a present date and compare against shared distribution dates and to distribute the advertisement content having the present date as a distribution date to one or more subscribers according to the distribution parameters. | 2013-10-31 |
20130290112 | METHODS AND SYSTEMS FOR FACILITATING SHOPPING - A shopper is presented with a customized online store whose inventory is defined by the shopper. In one embodiment, specification of the inventory is conducted in a bricks and mortar store—either during checkout, or by the shopper walking the aisles and scanning items with a barcode scanner pen or the like. The inventory may be defined—at least in part—by scanning items in the shopper's home. A variety of other novel features are also disclosed. | 2013-10-31 |
20130290113 | DESIRABILITY BASED SALES SYSTEM - A system that connects consumers with marketers by allowing marketers to post offers with a minimum desirability score or ranking that are made available to consumers that use a mobile or other device to access those offers and qualify for them based on a desirability score that is calculated for the user. | 2013-10-31 |
20130290114 | METHODS AND SYSTEMS FOR GENERATING A BRAND USING CONTEXTUAL INFORMATION - Methods and systems of generating a brand via a computer interface are disclosed. A first plurality of inputs are received from a user in response to a first plurality of prompts. The inputs are analyzed and a brand uber-archetype is selected. A second plurality of prompts is provided and corresponding inputs are received and analyzed. A brand sub-archetype is then selected and branded content is produced in accordance with the selected sub-archetype. The user may then refine the selection if desired. | 2013-10-31 |
20130290115 | PERFORMING A USER RELATED OPERATION - A method of performing a user related operation includes, with an optical reader, reading an encoded on-line address being displayed on a display of a pocket-sized card to be carried by a user; decoding the encoded on-line address; requesting access to remotely stored data using the on-line address, the remotely stored data being related to the user; and, upon the requested access being granted, loading the remotely stored data. | 2013-10-31 |
20130290116 | INFINITE WHEEL USER INTERFACE - Disclosed is a system for a content wheel displayed on a graphical user interface (GUI) for scrolling through a set of content. The content wheel can present various types of content for which the user can view and interact. The content wheel provides a circular scrolling path for which a user's gestures are tracked. As the content wheel is spun, the content is programmatically changed. This allows continual visual interaction with the associated content and creates a visibly stunning interaction for the user. Additionally, there can be any number of content items displayed on the content wheel, as the school wheel's display and functionality allows for scalability of the interactive and displayed content. | 2013-10-31 |
20130290117 | DETECTION OF EXIT BEHAVIOR OF AN INTERNET USER - User action in the form of movement of a tracking device on a webpage, represented by cursor gestures on the webpage, is used to detect if a user intends to leave the webpage. Upon detection of an intent to leave the webpage, an advertisement may be displayed to a user. The advertisement may be targeted to the user and/or based on the content the user was viewing on the webpage. | 2013-10-31 |
20130290118 | PROMOTING CONTENT - Promoting a candidate content item included in a plurality of content items is disclosed. A preference event by the first user is detected. A plurality of user reputation scores is received. For the candidate content item in the plurality of candidate content items, a content reputation score is determined based at least in part on a portion of the received user reputation scores. A determination of whether to promote the candidate content item is made based at least in part on the content reputation score. The candidate content item is promoted if it is determined that the candidate content item should be promoted. | 2013-10-31 |
20130290119 | Method for Providing Payment Card Security Using Registrationless Telecom Geolocation Capture - A method for providing registrationless payment card security for a payment network that includes maintaining a list of anonymous mobile telephone numbers, which correspond to personal payment card account numbers (PAN). When a card-present authorization for a listed PAN is received, the payment network requests the geolocation of the cell phone of the card holder in real time from the mobile network operator. The mobile network operator determines the geolocation of the cell phone and transmits it to the payment network. The payment network compares the geolocation of the cell phone with the geolocation of the merchant to confirm that the card holder is present at the location of the transaction. | 2013-10-31 |
20130290120 | UNIVERSAL PAYMENT PROCESSING - A computerized universal payment method to allow merchants with differing risk tolerance, transaction fee tolerance, and payment time tolerance to optimize customer payment transactions that have different risks, transaction fees, and transaction times. Here customer payments are converted to a synthetic financial account (a universal payment account) that acts somewhat like a financial marketplace between a plurality of merchants and customers. The method adjusts for the risks, transaction fee, and payment times associated with a customer's particular mode of payment, as well as adjusting for the merchant's tolerance for risks, transaction fees, and payment times, as well as optionally the merchant's knowledge about the customer. Thus, given permission, a customer paying by a high commission credit card, may upon merchant election have this payment converted to a low commission electronic check, and vice versa. Various electronic transaction headers, point-of-service, electronic market, and customer permission factors are also discussed. | 2013-10-31 |
20130290121 | REAL-TIME PAYMENT AUTHORIZATION - Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant. | 2013-10-31 |
20130290122 | EXTENDED KEYPAD FOR CONTROLLING VENDING MACHINE OPERATION - A user selection keypad allows at least some functionality of vending machine programming configured for a touchscreen display to be utilized without the touchscreen. In addition to character-labeled keys and other standard functionality (such as keys to confirm or cancel an entry), the keypad includes: a shopping cart key that, when actuated, invokes aggregation of multiple product selections for a single vend transaction; and an information key that, when actuated, allows the customer to request display of nutritional information for a currently selected product and/or context-sensitive help information. | 2013-10-31 |
20130290123 | SYSTEM AND METHOD FOR GENERATING EXPONENTIAL EXPANSION OF COMMERCE - A system and method for turning a buyer into a prospective seller in an electronic marketplace. After the buyer enters into a binding agreement to purchase an item, the buyer is provided with an option of re-listing the purchased item for resale. The purchased item is re-listed if the buyer opts to re-list it. An ecommerce listing to sell the purchased item is automatically generated based on the previous listing. The user only needs to provide the selling price to complete the listing. The purchased item can be re-listed in the same marketplace where the item was purchased or in a different marketplace. | 2013-10-31 |
20130290124 | DATA DELIVERY OPTIMIZATION VIA AN AUCTION SYSTEM - An auction set of publisher parameters is composed. In addition, the auction set of publisher parameters is sent to an auction engine that provides a subset of the auction set of publisher parameters to one or more of a plurality of content network delivery providers. A selected bid based upon a bid selection process that evaluates a bid from each of the one or more of the plurality of content delivery network providers based upon the auction set of publisher parameters is received from the auction engine. | 2013-10-31 |
20130290125 | Methods and Systems for Supporting Asset Exchange - In typical two-way trading systems, bidders cannot trade directly with other bidders, and sellers cannot trade directly with other sellers, resulting in possible missed trading opportunities. Methods, systems, devices, and networks for enabling two-way trading systems to perform multi-party exchanges are disclosed. Example embodiments allow multiple bidders (buyers), multiple sellers, or a seller and bidder of separate marketplaces to trade among themselves. Embodiments may discover, for bidders and sellers, opportunities to trade with other sellers or bidders, or both, without a time-consuming and limited process of searching and discovering relevant opportunities. Bidders and sellers may not find such opportunities on their own in typical two-way trading systems. The embodiments may be implemented as stand-alone systems or as add-ons that may be used to augment or enhance existing two-way trading systems. | 2013-10-31 |
20130290126 | METHOD AND SYSTEM FOR VENDOR MANAGEMENT - A system and method for defining a custom business process associated with a financial transaction. Defining a business process includes creating one or more forms for exchanging information among a customer, a financial institution, and, optionally, a vendor or other third-party who performs one or more sub-transactions related to the financial transaction. The system and method of the present invention provide for customizing each form to include one or more data elements associated with the financial transaction. The selected data elements are subsequently used to define logical relationships for automating order placement of sub-transactions. The logical relationships are triggered by one or more predetermined events. Once triggered, the logical relationships are applied, and the result or outcome is used to perform other tasks associated with the financial transaction automatically. | 2013-10-31 |
20130290127 | System and Method for Enabling Sales Requests and Offers from Multiple Buyers in Online Environment - Methods and systems for selling and purchasing items in an online environment, including a set price purchase process and a negotiated price/value purchase process. The system presents to a potential buyer one or more specific product(s) which is/are available for immediate purchase at a pre-set price; provides the potential buyer with the option to request sellers to offer product(s) at a lower price (which may be set forth by the potential buyer), and/or offer the product(s) with different options, and/or to offer similar product(s); and provides sellers with the opportunity to offer the product and/or options to the potential buyer at the requested price/with the requested option, and/or to make offers to the potential buyer to provide the product(s) at different price(s) and/or with different options and/or to provide a different but similar product. | 2013-10-31 |
20130290128 | Methods and Systems to Evaluate and Rank Bids Based At Least in Part on the Provider's Past Performance - The application discloses systems and methods for evaluating bids submitted by providers in response to a reverse auction process initiated by a buyer. The disclosed system determines an attribute utility score of the bid and total performance scores of providers based on the past performance records of the providers. The total performance scores of providers are determined by computing a positive deviation score, a negative deviation score, a performance among peers score, and a bid performance score of the provider. The system further sums the determined attribute utility score and the total performance score to obtain a rank of the submitted bid. | 2013-10-31 |
20130290129 | 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. | 2013-10-31 |
20130290130 | TEMPERATURE-BASED DETERMINATION OF BUSINESS OBJECTS - Determining business objects is disclosed, including: receiving an access request from a client device; determining a set of relevant business objects based at least in part on information included in the access request; determining a location associated with the client device; determining temperature information associated with the location; and selecting at least a subset of business objects from the set of relevant business objects based at least in part on the temperature information. | 2013-10-31 |
20130290131 | METHOD AND ARRANGEMENT FOR ENABLING CUSTOMIZED RECOMMENDATIONS - A method and arrangement for enabling creation of customized recommendations of items for persons ( | 2013-10-31 |
20130290132 | SOFTWARE DISTRIBUTION ACCOUNTING - A software product server, such as an application server or application store, can receive a purchase request for an application from a remote device. In response to a received request, the software product server is configured to provide an application to a remote device. The remote device receives the application and determines whether the received application is compatible with the remote device. The remote device is configured to generate a verification signal about the compatibility and provide the verification signal to a verification module coupled to the software product server. The verification signal is used to update a user account debit status. For example, a user account is debited when the verification signal indicates the received application is compatible with the remote device. | 2013-10-31 |
20130290133 | METHODS AND SYSTEMS FOR ONLINE COMMERCE - Methods and systems for simplifying an online catalog shopping experience by enabling an online shopper to add multiple discrete products that are purposely or properly grouped for collective sale into an electronic shopping cart with a single action, e.g., clicking a mouse button. | 2013-10-31 |
20130290134 | SOCIAL MEDIA PRODUCT RESERVATION - Systems and methods for reserving products that have limited availability are provided. A social networking service may be used to announce the availability of reservations for limited availability products. The announcements may be at times unknown to consumers. Consumers may respond to the announcements via the social networking service and create virtual lines for the limited availability products. | 2013-10-31 |
20130290135 | REQUEST FOR PROPOSAL SYSTEM AND METHOD FOR REAL ESTATE MANAGEMENT - A system and method prepares and distributes structured Requests for Proposal (“RFPs”) to qualified vendors and collects proposals responsive to such RFPs, The system includes a tool, for creating Statements of Work (SOW) that are consistent with the RFP and with other SOWs. The vendors submit bids responding to the SOW in the RFP. The bids are organized into an easily reviewed summary having line by line comparisons of the various bids and detailed proposals, along with vendor compliance documents, compiled into a finished report. | 2013-10-31 |
20130290136 | AUTHENTICATION USING BIOMETRIC TECHNOLOGY THROUGH A CONSUMER DEVICE - Embodiments of the invention provide strong user authentication on a consumer device without requiring the user to go through a formal registration process with the issuer or processing network. Certain embodiments allow the use of any biometric technology (e.g., fingerprint scan, iris scan, voice recognition, etc.) supported by their consumer device (e.g., smart phone, tablet computer, personal computer) to authenticate the user. Additionally, the consumer device provides unforgeable evidence of the biometric match in the form of a biometric digital artifact to provide proof to a processing network that the match occurred. The processing network maintains a history of these authenticated transactions and biometric digital artifacts and as more and more non-fraudulent authenticated transactions occur over time, a higher level of trust (i.e., lower risk) is associated with the consumer device, biometric registration process, and the user. | 2013-10-31 |
20130290137 | System And Method For Enabling Users to Purchase In-Game Content for Each Other - A virtual space may be provided to users to participate in, e.g., a game. The users may be able to purchase access to unlockable in-game content within the virtual space for other users, also referred to beneficiaries. Responsive to the completion of such a purchase transaction, access to the purchased unlockable in-game content is facilitated for the one or more beneficiaries. | 2013-10-31 |
20130290138 | Search Method, Apparatus and Server for Online Trading Platform - A search method includes, based on a query term presently submitted from a browser, obtaining initial web pages that match the query term from a predetermined database. The predetermined database is configured to store web pages, at least one product identifier referenced in a respective web page, and relationships between the product identifiers and the respective web pages. The method also includes performing relevancy processing for the initial web pages to obtain relevant web pages that satisfy a predetermined criterion, performing relevancy processing for at least one product corresponding to product identifier(s) referenced in the relevant web pages, and displaying the at least one product that has undergone the relevancy processing to a client according to respective relevancy scores. | 2013-10-31 |
20130290139 | SYSTEM AND METHOD FOR VIRTUAL DISPLAY - A system, computer-readable product, and method for a display device are provided. An intelligent personal assistant is displayed to provide information to a user, for example, in a public space. Movement of the image shown as the intelligent personal assistant may be suppressed or restricted at various parts of the person's body, such as below a chin or above the eyebrow. In addition, the database may be provided that stores queries and replies to the queries so as to respond to the user's questions. The system could also notify personnel or staff if additional assistance is required. | 2013-10-31 |
20130290140 | Method and Apparatus for Dynamic Visual Content Delivery - A system includes a processor configured to receive consumer identifying information provided to an in-store display. The processor is also configured to receive a reference to online content. The processor is further configured to retrieve information related to the online content, including one or more items for sale. The processor is additionally configured to determine if at one or more of the items for sale are available in store and provide the user with information about the items, for any of one or more items for sale available in store | 2013-10-31 |
20130290141 | Content Entitlement Console System and Method - A content management console system application for electronic devices is disclosed. A content management system application is a device agnostic system installed on a computing or telecommunications device which interfaces with various web and content servers over a communications network, such as the internet, to provide a multi-media, multi-function console with embedded media player (e.g. movies/games/books/music) and ecommerce store facilitated by an ecommerce/mobile commerce system and platform backend. The CEC is a flexible, scalable and global system which allows developers to code and deploy apps to all walled gardens. The CEC provides accessibility to secure downloaded or real-time data streaming of encrypted or unencrypted media and online shopping from within the CEC. | 2013-10-31 |
20130290142 | SYSTEM AND METHOD FOR PRODUCT REVIEW INFORMATION GENERATION AND MANAGEMENT - A computer-implemented system and method for product review information generation and management are disclosed. An example embodiment prompts a first user for entry of product review information associated with a product in a product category and with product attributes, stores the product review information, determines when a second user accesses product listings in the product category or with one or more of the product attributes, and presents the second user with the product review information. | 2013-10-31 |
20130290143 | LOAN SYNDICATION MARKETPLACE - Methods and systems of loan syndication are provided. Upload details of an originated loan owned by a user may be stored in a database. The database is queried and results are presented to an investor so that the investor can determine if he wishes to purchase either at least a portion of a single loan or portion of a portfolio of loans. The database returns a list of loans or a portfolios of loans that satisfy the investor's search criteria, wherein the loan results that are returned are owned by an entity other than the investor. The investor is able to select a loan for purchase from the list in order for ownership of the selected loan to transfer from the owning entity an entity associated with the investor. | 2013-10-31 |
20130290144 | COLLABORATIVE PRODUCT TAXONOMY INSTANTIATION - A method forms a collaborative product taxonomy instantiation by starting with or defining a base taxonomy instantiation and collaborating between trading parties to negotiate a collaborative product taxonomy instantiation. The taxonomy instantiation comprises a set of characteristics and values of a desired product. The method assigns a set of characters to the collaborative product taxonomy instantiation. The method uses the set of alphanumeric characters in an electronic trade exchange between a buyer software application and a seller software application. The seller software application may determine whether it has a product that is equivalent to the collaborative product taxonomy instantiation. | 2013-10-31 |
20130290145 | METHOD AND SYSTEM FOR MOBILE COMPARISON SHOPPING - A comparison shopping method comprising reading with a portable device a product code comprising a product identifier that identifies a product of interest located at a local store; transmitting the product identifier to a comparison shopping server computer; the comparison shopping server computer obtaining price information from a plurality of shopping server computers; the comparison shopping server computer determining the identity of the local store; the comparison shopping server requesting a local store server associated with the local store to provide a real-time offer for purchase of the product from the local store; the local store server computer calculating the real-time offer; the local store server computer sending the real-time offer to the comparison shopping server computer; and the comparison shopping server computer sending the price information from the plurality of shopping server computers and the real-time offer to the portable device. | 2013-10-31 |
20130290146 | SYSTEM AND METHOD FOR PROVIDING A CASHLESS VENDING DONATION TRANSATION - The present invention relates to a system and method of utilizing a vending machine to make a charitable donation. A vending machine offering product/service for sale and a donation transaction for selection by the user. Payment of the donation amount is received at the vending machine and transmitted to the charitable organization. | 2013-10-31 |
20130290147 | Gifting of Virtual Items Between Users of a Virtual Space - Gifting of virtual items between users of a virtual space may be facilitated. A purchase interface may be presented to a first user. The purchase interface may be configured to receive selection from the first user of (i) a virtual item for purchase, and (ii) one or more users with which the first user has established a virtual space relationship. Responsive to selection by the first user through the purchase interface of a first virtual item and a second user with which the first user has established a virtual space relationship, the first virtual item may be distributed to the second user in the virtual space. | 2013-10-31 |
20130290148 | SYSTEM AND METHOD FOR ENABLING IMMEDIATE ACCESS TO SECONDARY CONTENT - A method for enabling immediate access to secondary content is provided and includes the steps of obtaining an original trigger image, creating a print of the original trigger image, creating digital secondary media content using technology. The method also includes creating at least one mobile application for use in connection with a mobile electronic device. The mobile device including a display and the ability to run a mobile application and/or to send and receive a signal to and from a remote server. The mobile application includes the ability to detect and recognize various objects and is designed so that when it detects the original trigger image it causes the electronic device to display the secondary content. Finally, the disclosed method also includes the step of combining the mobile application with the print of the original trigger image for treatment as a single unit. | 2013-10-31 |
20130290149 | SYSTEM AND METHOD FOR SELLING A PRODUCT THROUGH AN ADAPTABLE PURCHASE INTERFACE - A system and method for providing online commerce that includes at an online commerce platform, configuring a product profile for selling; providing a URI link of the online commerce platform that is unique to the product profile; at the online commerce platform, receiving an HTTP request to the link; identifying a referral channel of the HTTP request; conditionally selecting a product purchase interface mode from a set of interface modes at least in part based on the referral channel; transmitting a response of the selected product purchase interface mode in reply to the HTTP request; and at the purchase interface, completing a purchase from the product purchase interface. | 2013-10-31 |
20130290150 | METHOD AND SYSTEM FOR OPTIMUM INVENTORY MANAGEMENT - Optimum Inventory Management is important in a variety of applications ranging from managing stocks of consumer perishables of a supermarket chain to managing number of magazines to be distributed to retail stores. Currently inventory decision making are done at certain segment or bucket level, thus making the implementation sub-optimal. In this invention, we develop a method and a system for performing analysis at much finer level of granularity. Moreover, widely used inventory models are not capable of handling the display effect and its interaction with price. Inventory decision making at customized scenarios is accomplished by leveraging business intelligence software that allow one to write scripts to perform real-time analysis under user specified input parameters. Inventory optimization at finer level of granularity is accomplished using a model that incorporates various drivers including the display and price effects, and latest statistical techniques to estimate the model with historical data. | 2013-10-31 |
20130290151 | METHOD AND APPARATUS FOR CENTRAL ACCOUNTING AND BILLING SYSTEM FOR ENTERPRISE EMPLOYING MOBILE FIELD SERVICE - A central accounting and billing system for enterprises providing service and supply operations for business machines located in a plurality of customer locations employing a fleet of vehicles each carrying a trunk inventory of frequently required repair parts and supplies. An ERP system at a central location generates machine-readable identification tags which are applied to parts and services carried in each of the trunk inventories and are applied to the machines to be serviced. Smart handheld devices such as cell phones contain programs which allow the identification tags to be read and communications to be established to the central ERP system relating to transfer of goods and supplies into and out of the trunk inventory and to the businesses and also the time involved in servicing particular machines at particular businesses in order to generate bills from the central enterprise to such businesses. | 2013-10-31 |
20130290152 | PRE-AUDIT SYSTEM, APPARATUS, AND METHOD - A pre-audit system, apparatus, and method is provided to perform a pre-audit of form data. Form data is received from a supplier prior to the form data being delivered to one or more purchasers. The form data is compared with rules or conditions set by the one or more purchasers. A response message is transmitted to the supplier, where the response message includes one or more results and one or more descriptions related to the one or more results. | 2013-10-31 |
20130290153 | PREPAID ACCOUNT PRODUCT PEER SCORING - Data from transactions conducted on prepaid accounts are accumulated for an issuer and its peers. The accumulated data is used for calculations for both the issuer and its peers to make comparison therebetween. The comparisons between the issuer and its peers are rendered graphically in a report. The issuers are in an open system payment processing network that includes merchants and their acquirers, and a transaction handler for authorizing, clearing and settling the transactions that are conducted on prepaid accounts. | 2013-10-31 |
20130290154 | TIME TRACKING DEVICE AND METHOD - A system and method to manage employee time at a set of job sites. A time management system comprises a server in communications with a database in which a set of job site data is stored. An employee device application is installed on a set of employee devices. The set of employee devices are in communication with the server through the employee device application. The set of employee devices collect a set of time punch data and a set of photos from the set of employees at check-in events and check-out events. The set of time punch data and the set of photos are sent to the server and stored in the database with the set of job site data. A supervisor management application is installed on a set of supervisor devices to monitor the set of job site data, validate photos and activate employee devices. | 2013-10-31 |
20130290155 | SYSTEM AND METHOD FOR PROCESSING DATA RELATED TO FIXED ANNUITIES HAVING PRICE INDEX BASED INTEREST CREDITING - A computer system for processing data related to fixed annuities includes: one or more data storage devices storing data associated with fixed annuities and indicative of account values, a time period for crediting of interest; and a crediting method including for each of the fixed annuities one of at least an equity index based crediting method and a price index based crediting method; and an annuity administration hardware server configured to: receive price index value data, determine a price index crediting rate for each of the fixed annuities having a price index based crediting method based on the received price index value data, a threshold value of the price index, a participation rate, and the guaranteed rate; and calculate updated account values using the price index crediting rate and the account values; | 2013-10-31 |
20130290156 | Bit Selection Using Bit Fleet Management - A system is described herein for selecting a bit from a bit fleet for use in a field operation. The system includes a subjective module, an objective module, a financial module, and a management engine, each of which executes on a hardware processor. The subjective module determines whether subjective bit performance data points exceed a subjective threshold. The objective module determines whether objective bit performance data points exceed an objective threshold. The financial module determines whether financial bit performance data points exceed a financial threshold. The management engine receives bit data, evaluates bit performance parameters, categorizes the bit performance parameters to generate one or more categorized bit performance parameters, and determines whether the bit is usable in the field operation. | 2013-10-31 |
20130290157 | Computerized Method for Automated Foreign Exchange Market Transactions - The present invention is an automated proprietary application that provides a user with trade parameters to allow new trades to be opened and closed, and also provides an operating schedule that such new trades are to be initiated. Both the trade parameters and the operating schedule are entirely user defined. The present invention acquires data from a market information database in order to calculate market derived trending signals. These market derived trending signals determine if the user's defined trade parameters have been fulfilled. The user creates the operating schedule to designate the times and dates at which a new trade could be opened. These trades are unable to be opened if every trade parameter has not been fulfilled. The present invention can execute direct trades, reverse trades, or perform no trades in which these trade actions are determined by the trend of a selected currency pair. | 2013-10-31 |
20130290158 | METHODS OF MAKING AND EXECUTING INVESTMENT TRANSACTION DECISIONS - A method of making, and executing investment transaction decisions. The method involves a trading strategy which operates on two levels, based on sets of at least three simple moving averages, including back testing to establish a decision base for decision making. As a first level, the trading strategy can ascertain a general direction of the market for a specific investment vehicle. The trading strategy uses multiple simple moving average crosses as basis for triggering transaction signals and/or transaction signal alerts. | 2013-10-31 |
20130290159 | SYSTEM, METHOD, AND APPARATUS FOR PROVIDING A PREDICTION-BASED MARKETPLACE - Provided is a system, method, and apparatus for implementing a prediction-based marketplace. For example, the system may include one or more processing units operable to: receive a prediction for an outcome of an event from a seller, determine a price to offer the prediction for sale to the buyer, provide the prediction to a buyer, receive an indication by the buyer to purchase the prediction, process a payment from the buyer to purchase the prediction, determine the actual outcome of the event that is predicted, compare the actual and predicted outcomes of the event; and distribute the payment in a manner so that the buyer and seller each receive a portion of the payment based on the comparison of the actual and predicted outcomes. | 2013-10-31 |
20130290160 | System and Method for Making Positions Held by a Trader Fungible - Positions held by a trader are made fungible by selecting a first position in a first futures contract that is deliverable and selecting a second position in a second futures contract, wherein the first and second futures contracts are traded in a first and second market, respectively. Offsetting the first and the second positions eliminates a delivery obligation of the trader. | 2013-10-31 |
20130290161 | Object-Oriented Time Series Generator - In one embodiment, an expression comprising a left-hand side and a right-hand side is received. The left-hand side specifies one or more market instruments, and the right-hand side specifies a method that is to be applied based on the left-hand side of the expression. The expression is parsed. A time series is generated by applying the method based on one or more sets of data values associated with the one or more market instruments. The generated time series is stored in computer data storage. | 2013-10-31 |
20130290162 | Leg Pricer - An electronic trading system utilises a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. The tradable combinations may include spread orders where one leg of the spread has a different tick size than the other or where the tick of the spread contract is different from the tick size in one or both legs. A method and system for calculating on tick leg prices in an equitable and predictable manner is provided. | 2013-10-31 |
20130290163 | High Speed Processing of Financial Information Using FPGA Devices - A high speed apparatus and method for processing financial instrument order books are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to synthesize quote events associated with a plurality of financial instruments from a financial market data feed. | 2013-10-31 |
20130290164 | Self-Operated Loan Originator - A self-operated loan originator (SOLO) apparatus is configured to generate at least one stacked loan application object. The apparatus includes at least one applicant interface which includes hardware and software for receiving applicant data to create at least one applicant data object. A SOLO server receives the at least one applicant data object and transforms the data from the applicant data object to create at least one lender vendor request object. The lender vendor request object is relayed to one of a plurality of lender vendor servers. The SOLO server also stores at least one data object which contains data specifying at least one stacked application order. | 2013-10-31 |
20130290165 | METHODS AND SYSTEMS FOR ACTIVELY OPTIMIZING A CREDIT SCORE AND MANAGING/REDUCING DEBT - The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved. | 2013-10-31 |
20130290166 | System and Methods for Providing Starter Credit Card Accounts - A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account. The adjustment may include increasing a credit limit of the starter credit card account if the predetermined criteria has been met, or conversely, restarting the trial period if an account has not met the predetermined criteria during the trial period. Once a starter card account that meets selected criteria during the trial period will graduate and receive new parameters and benefits defined by the credit card issuer. | 2013-10-31 |
20130290167 | SYSTEM AND METHOD FOR CREDIT RISK MANAGEMENT FOR EDUCATIONAL INSTITUTIONS - A system and method for collecting, analyzing, assessing, and managing financial data of prospective, enrolled, and former students of an educational institution is provided. Student data and credit data corresponding to the students may be analyzed to create a compliance profile. Loan default likelihood factors may be determined based on the compliance profile. The students may be segmented into sub-populations based on the factors, the student data, and the credit data, and a risk baseline including risk criteria may be determined based on the segmentation. Prospective student leads may be screened for their repayment ability risk by utilizing the risk criteria to assist the educational institution in making financial aid and admissions decisions. A student loan portfolio may be assessed based on the risk criteria and credit data to identify at-risk accounts and to prioritize collections activities for past due accounts. | 2013-10-31 |
20130290168 | SYSTEMS AND METHODS FOR PROVIDING MIGRATION AND PERFORMANCE MATRICES - Systems and methods are provided for computing migration and performance matrices. The matrices may provide risk and performance data, as well as different views on the data useful for making and monitoring investment decisions. The migration and performance matrices may bring together data to reflect information on the likelihood that a rated entity will change its current rating within a given time period, information reflecting retention rates, and information describing the effect of changed exchanged rates on different data, for example. | 2013-10-31 |
20130290169 | MANAGING FINANCIAL TRANSACTIONS USING TRANSACTION DATA FROM SMS NOTIFICATIONS - The disclosed embodiments provide a system that facilitates management of a financial transaction. During operation, the system obtains transaction data for the financial transaction between a user and an organization from a Short Message Service (SMS) notification on an electronic device of the user. Next, the system determines a category of the financial transaction based on the transaction data. The system also displays the transaction data and the category on the electronic device. Finally, the system uses the displayed transaction data and the displayed category to enable, for the user, management of the financial transaction without accessing the transaction data at the organization. | 2013-10-31 |
20130290170 | ESTABLISHING PERSONALIZED MOBILE MONEY TRANSFER LIMITS - Methods and arrangements for establishing financial transfer limits. A customer reputation score for mobile money transfer is determined. A mobile money transfer limit is established based on the customer reputation score, and the customer reputation score is updated in response to predetermined parameters. | 2013-10-31 |
20130290171 | SYSTEM AND METHOD FOR FORMING, MANAGING AND EXECUTING AN ESCROW AGREEMENT RELATED TO AN EMPLOYMENT CONDITION - A method and system are provided that enable the negotiation, formation, monitoring, documentation and performance of an escrow agreement related to an employment condition. The escrow agreement may be managed and fulfilled by an escrow service. A first party may offer an agreement to a second party wherein the escrow agreement offers consideration to the second party in return for a performance by a third party related to an employment condition. The first party and second party may negotiate, modify and form the escrow agreement by means of an information technology network, such as the Internet or a telephony network. One or more escrow payments may be delivered to one or more parties while an aspect of employment as stipulated in the escrow agreement is maintained or provided by the third party. The escrow payments may be of varying or different values. | 2013-10-31 |
20130290172 | SYSTEM AND METHOD FOR CROWDSOURCING, SELECTING, TRANSACTING GIFTS AND FINANCIAL DISCOUNTS IN PHYSICAL STORES AND E-COMMERCE ENVIRONMENTS - A computer system and software enabling a method for assisting users who are members of a group in identifying trending items and making purchases using selected forms of payment over the Internet on web sites, mobile devices and in physical store locations from trusted vendors to locate and to take advantage of special rates and promotions that may be offered to certain users under specific circumstances. The system enables users, buyers and their social circle of friends of gift givers to identify, curate, manage and purchase gifts & services and take advantage of digital gift cards, credit cards & coupons to get the best price. | 2013-10-31 |
20130290173 | METHOD, PROCESS AND SYSTEM FOR PROVIDING AND RECEIVING COMPENSATION OR A GRATUITY THROUGH THE INTERNET - An inventive business method and process operated and presented over the internet and using computer software systems, comprises an interactive compensation transmission, receipt, and accounting system. In a preferred embodiment, the inventive method and process may be used to easily allow internet users to provide or receive compensation, in the form of a gratuity or tip to or from other internet users, in response to information, input or other assistance received over the internet. The inventive method and process may also include and use accounting software and systems to track the gratuities transmitted or received, including who are the sending entities and recipient entities. With additional software, the method and process may permit the users to provide anonymous gratuities; periodic gratuities; and certain other accounting features. | 2013-10-31 |
20130290174 | Computer Enabled Methods and Systems for Facilitating Micropayments via Public Networks - A computer enabled system for facilitating electronic micropayments in which an accounting application receives a vendor submission a remote vendor server via a public communications network. This includes identifiers for the vendor, the customer and an item selected by the customer. The accounting application then checks the status of the customer's account. If it has sufficient funds, the transaction proceeds. The customer account is conditionally debited, and the vendor account conditionally credited with the transaction amount, including fees. A transaction confirmation is sent to the vendor application which then confers usage rights for the item to the customer. The accounting application periodically reconciles the vendor and customer accounts, deducts any service fees, and makes a single payment to each vendor. This single payment only incurs a single per-transaction credit-card company fee, thereby spreading it across multiple purchases and clients, making micro-transactions profitable. | 2013-10-31 |
20130290175 | COMMUNICATION DEVICE, COMMUNICATION METHOD, AND COMMUNICATION SYSTEM - There is provided a communication device including a secure communication unit configured to perform secure communication, the secure communication being secure close-proximity communication, a high-speed communication unit configured to perform high-speed communication, the high-speed communication being close-proximity communication that is faster than the secure communication, and a power transmission unit configured to perform power transmission. Communication via the secure communication and the power transmission of the power transmission unit may be performed at timings that do not temporally overlap with each other. | 2013-10-31 |
20130290176 | TRANSACTION SERVICE PURCHASE OPTIONS VIA A PAYMENT PROVIDER - A request for payment for goods or services can be made to a payment provider. The payment provider can then provide the payer of the payment with access to a recommended list of service purchase options, based on the goods or services listed in the request for payment. The payer can sort the recommended list of service purchase options based on location of the service purchase option or service provider, type of service purchase option, customer reviews, price, popularity, etc. Upon selecting a particular service purchase option, the payer can pay for it using the services of the payment provider. | 2013-10-31 |
20130290177 | SYSTEMS AND METHODS FOR FACILITATING PROCESSING OF ELECTRONIC PAYMENTS - A computer system for use with a database that includes a directory of electronic payees is provided. The computer system includes a memory device and a processor. The computer system is programmed to receive a payee file that includes payee information about a payee, verify whether the payee is included in the directory of electronic payees based on the payee information about the payee, and generate an output file that includes the payee information and one of an electronic payee identifier if a verification is confirmed and an indicator that no match was verified. | 2013-10-31 |
20130290178 | SYSTEM AND METHOD FOR EFFECTING PAYMENT TO A BENEFICIARY INCLUDING A REAL-TIME AUTHORIZATION OF THE PAYMENT - Provided is a system for and a method of effecting payment to a beneficiary so as to include a real-time authorization of the payment and, more particularly, a system for and a method of effecting payment to a beneficiary by means of a conventional banking card, including a real-time authorization of the payment. A system may include a personal peripheral dongle operable to facilitate a payment transaction through use of a conventional banking card payment mechanism including entering a password associated with the banking card as well as presenting the banking card during a transaction authorization process. | 2013-10-31 |
20130290179 | METHODS AND APPARATUS FOR USING INFORMATION REGARDING ACTIONS PERFORMED USING TRACEABLE OBJECTS - An embodiment of a communication system includes a client device adapted to receive a traceable object that includes tracer information, and to perform one or more object-related actions using the traceable object. The client device stores the tracer information and object usage information, which describes the one or more object-related actions that have been performed using the traceable object. The client device also sends the stored information to a server. The system also includes the server, which is adapted to receive the object usage information and the tracer information reported by the client device. In an embodiment, the system also includes a service provider adapted to initiate a billing event, which may include generation and transmission of a bill to a sponsor entity based on an evaluation of the object usage information and the tracer information reported by the client device. | 2013-10-31 |
20130290180 | TECHNIQUES FOR AUTOMATICALLY PROVISIONING A DATABASE OVER A WIDE AREA NETWORK - Techniques for provisioning databases for users on a wide area network such as the Internet include a first party managing one or more database systems. Second parties subscribe to database services supported by the managed database systems. The first party provides, over a network, to database applications of the second parties, access to database services to which the second parties are subscribed. The database systems may use database appliances hosting both database process(es), and non-database process(es) tailored to the needs of the database process(es). A user is therefore able to obtain database resources from an Internet Database Service Provider (IDSP) without incurring the full costs of database administrator(s), dedicated database equipment facilit(ies), or even dedicated database device(s), depending on usage. Meanwhile, the IDSP incurs minimum staffing loads because of self-service tools. Costing model and automatic billing are also described. | 2013-10-31 |
20130290181 | CLIENT CUSTOMIZED VIRTUAL OR PHYSICAL CARD FOR USE WITH SELECTED MERCHANTS - A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient. | 2013-10-31 |
20130290182 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - Methods and apparatus for conducting a funds transfer. In an embodiment, a translation computer receives an inquiry that includes a mobile telephone number from a payment system computer. The process includes accessing a computer database, translating the mobile telephone number into a payment card account number, and then transmitting, by the translation computer to the payment system computer, the payment card account number in response to the inquiry. | 2013-10-31 |
20130290183 | AUTOMATED BANKING SYSTEM FOR DISPENSING MONEY ORDERS, WIRE TRANSFER AND BILL PAYMENT - A method and apparatus are provided for conducting transactions through a financial network using a ticket at an unattended automated machine. For security purposes a signature detector can be utilized to detect the signature and the user uses a ticket or a card to operate the machine. A card writer can write an amount on the ticket or the card related to the amount of the transaction being done and a calculator can calculate the amount to be written on the ticket or the card and can subtract a user's service charge. A cash acceptor in the machine can accept cash and a cash dispenser can dispense cash. | 2013-10-31 |
20130290184 | VIRTUAL SPECIFIC PURCHASING CARD - Systems and methods of processing transactions via a computer network are provided. A virtual specific purchasing card server can receive a registration request to activate a virtual specific purchasing card, and can link the virtual specific purchasing card with a purchasing card associated with an acquirer network or an issuer network. The virtual specific purchasing card server can obtain restriction criteria of the virtual specific purchasing card. The restriction criteria can include a time restriction and at least one of a subject matter restriction, a geographic restriction, a product restriction, a service restriction, a merchant restriction, a value restriction, a frequency restriction, and a notification restriction. The virtual specific purchasing card server can identify a transaction corresponding to the virtual specific purchasing card, and can determine that the transaction satisfies the restriction criteria. | 2013-10-31 |
20130290185 | REAL AND VIRTUAL IDENTITY VERIFICATION CIRCUIT, SYSTEM THEREOF AND ELECTRONIC TRANSACTION METHOD - Disclosed are a real and virtual identity verification circuit, a system thereof and an electronic transaction method. The circuit is capable of being built in or connected with an electronic device to allow a user to carry out electronic identity verification with his or her unique biological characteristic on a remote server. The real and virtual identity verification circuit comprises a memory unit, an acquisition unit, a processing unit and a communication unit. A verification key code is stored by the memory unit. The acquisition unit acquires the biological characteristic and generates a corresponding biological characteristic code. The processing unit processes the verification key code and the biological characteristic code according to a deal process to generate a corresponding unverified code, and the communication unit transmits the unverified code to the server and awaits a verification result of the electronic identity verification. | 2013-10-31 |
20130290186 | PREAUTHORIZE BUYERS TO COMMIT TO A GROUP PURCHASE - A payment provider preauthorizes and commits consumers to a group purchase when the consumers provide an indication or intent to make a group purchase. Upon receiving the intent, the payment provider may ask the consumer whether they wish to irrevocably commit to the purchase at the advertised price. If so, the payment provider may process a payment request from the consumer to the merchant, but without actually moving funds to a merchant account. If the payment request can be approved, the payment provider may hold or freeze the appropriate amount in the user account or otherwise commit the funds to the merchant if the minimum number of purchasers is met for the group purchase. If the minimum number of purchasers is not met and/or the merchant cannot fulfill the group offer, the payment provider may take off the hold or release the funds back to the consumer's account. However, if the minimum number is met, the payment provider may release the funds to a merchant account even if the consumer decides, after the initial commitment, to not make the group purchase. Thus, others who committed to the group purchase will still be able to take advantage of the group deal. | 2013-10-31 |
20130290187 | MOBILE PAYMENT SYSTEM USING SUBACCOUNTS OF ACCOUNT HOLDER - A transaction system for coordinating processing of a transaction payment request associated with a transaction between a consumer and a merchant, the transaction associated with the merchant providing a product to the consumer, the system comprising: a computer processor coupled to a memory, wherein the computer processor is programmed to coordinate processing of the transaction payment request by: receiving the transaction payment request including consumer code data and identification information pertaining to the merchant and the product, the consumer code data representative of a subaccount registered with a transaction interface, the subaccount associated with a main account also registered with the transaction interface, such that a financial account is common to both the subaccount and the main account; accessing the subaccount or main account using the consumer code data to obtain payment information related to the transaction payment request including the financial account, mobile device contact information, and required authorization information; creating a payment confirmation request using said identification information; sending said payment confirmation request over the network to the mobile device using the contact information; obtaining authorization information from the mobile device; sending a funds transfer request to a payment platform based on the authorization information matching the required authorization information; receiving approval of the funds transfer request from the payment platform; and sending a confirmation of the approval of the funds transfer request to a computer device associated with the merchant. | 2013-10-31 |
20130290188 | System and Method for Approving Payments - A server system including one or more processors and memory obtains a payment instrument associated with a user. The server system sends, to a client associated with the user, an electronic calendar object corresponding to a respective date, where the electronic calendar object is associated with a fee and receives a user response to the electronic calendar object. In response to receiving the user response to the electronic calendar object, in accordance with a determination that the user response includes an acceptance of the electronic calendar object, the server system stores authorization information indicating that the user has authorized the fee to be paid using the payment instrument. In some implementations, the electronic calendar object includes an invitation to an event, the respective date is an event date on which the event is scheduled to occur, and the fee is an event fee associated with the event. | 2013-10-31 |
20130290189 | ALTERNATIVE PAYMENT METHOD FOR ONLINE TRANSACTIONS USING INTERACTIVE VOICE RESPONSE - A method for performing payments in remote transactions between a buyer and a vendor is provided. The method includes receiving buyer information from a vendor's network outlet when the buyer indicates a desire to purchase a selection at a later time through an Interactive Voice Response (IVR) center; providing a token to the buyer; receiving information about the token from the buyer through the IVR center; verifying the information about the token; transferring funds from a buyer account to a vendor account. Also provided is a system for processing payments in remote transactions including an IVR center to: receive a request for token from a buyer to purchase products from a vendor, and to receive information about the product; provide the token to the buyer; access a database, the database including information from vendor's and buyer's accounts; transfer funds from buyer's account to vendor's account upon buyer confirmation. | 2013-10-31 |
20130290190 | METHOD AND SYSTEM FOR PROVIDING UNIVERSAL ACCESS TO A SERVICE AMONGST A PLURALITY OF SERVICES - A method and system for providing universal access to a service amongst a plurality of services capable of storing a plurality of service accounts, each corresponding to a customer and a service the customer is subscribed to, receiving a request from a customer for using a service, determining a service account upon identification of such customer and the requested service or its service provider, consulting confidential service account content corresponding to the service account, characterized in that consulting the confidential service account content having real-time communicating with the service provider, the service provider providing real-time access to the confidential service account content. The system including means is adapted to communicate real-time with the service provider. | 2013-10-31 |
20130290191 | METHOD OF TRANSFERRING ACCESS RIGHTS TO A SERVICE FROM ONE DEVICE TO ANOTHER - A method of transfer transferring a right to access a service from a device ( | 2013-10-31 |
20130290192 | PORTABLE HANDHELD DEVICE FOR WIRELESS ORDER ENTRY AND REAL TIME PAYMENT AUTHORIZATION AND RELATED METHODS - A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity. | 2013-10-31 |
20130290193 | SYSTEM AND METHOD OF TRAFFIC DATA COLLECTION AND MANAGEMENT - A system and method for collecting and managing vehicle and pedestrian traffic data. An electronic device may be used to collect traffic data. The system has a processor, a communication subsystem and a memory for storing traffic data. The processor is configured to receive traffic data from the electronic device through a communications network, store the received traffic data in a database, and generate for display on a graphical interface screen a data management portal providing a web service to view traffic data collection project jobs, view project traffic data and sell project traffic data. | 2013-10-31 |
20130290194 | METHOD AND ARRANGEMENT FOR PROVIDING NETWORK EVENTS - System, arrangement and method for providing information regarding network events associated with a subscriber in an access network. A customer care session is initiated between a customer care unit and a data warehouse. The session is referring to an identity of said subscriber. A subscription to network events associated with the subscriber is done, where the data warehouse subscribes to a stream of ongoing network events. The content of the stream refers to the identity of the subscriber. Information is received regarding ongoing network events which are triggered by one or more communications between a terminal of the subscriber and a network element in the network. The information is provided to a customer care agent. | 2013-10-31 |
20130290195 | DETERMINATION OF APPRAISAL ACCURACY - A method for determining the accuracy of an appraisal report using a computer implemented application, including pre-validating an appraisal report to determine whether a first set of rules has been satisfied, the appraisal report including N fields to be completed, the first set of rules comprising completion of a pre-determined number of N fields; proceeding to a post-validating step if the first set of rules is satisfied; post-validating an appraisal report to provide an evaluation thereof, the evaluation including a plurality of risk categories including risk level indicators, and a risk-based overall score. | 2013-10-31 |
20130290196 | Automated Term Protection - An automated means to protect proprietary terms (e.g., a company name, a product name or slogan, etc.) from use by third parties, where such use may dilute the power of the term (e.g., allowing a product name to be used like a generic term, allowing a company name to be used as a verb, etc.) is disclosed. | 2013-10-31 |
20130290197 | PATENT POWER CALCULATING DEVICE AND METHOD FOR OPERATING PATENT POWER CALCULATING DEVICE - To propose a patent value evaluating device capable of identifying the causal association with business activity. A patent power calculating device comprises a patent history data acquiring section, an item content extracting section for searching for a combination of names of standard items indicating legal procedures and extracting the item contents and their procedure dates, a cost table holding section for holding a cost table where the combinations of item contents and prepared costs are associated with one another, an obsolescence function storage section for storing obsolescence functions used as indications of the obsolescence of the technology of the patent, a post-obsolescence cost calculating section for acquiring costs from the cost table and calculating the post-obsolescence cost by using the procedure date, and the obsolescence function, a totalizing section for totalizing the calculated post-obsolescence costs, and outputting the totalized value as the patent power. | 2013-10-31 |
20130290198 | ESTATE AND LIFE EVENT ORGANIZATION AND MANAGEMENT SYSTEM - An estate organization system includes a plurality of user computers, a plurality of entity computers, a network, and one or more server computers implementing a software environment. The software environment provides checklists, “to do” lists, and a scoring methodology to encourage a user to organize his or her estate. At least one user computer is used by a person organizing their estate, at least one user computer is used by a person who is a loved one of the person organizing their estate, and at least one computer is used by a professional services provider who is interested in providing estate planning or related services to the person organizing their estate and/or the loved one. | 2013-10-31 |
20130290199 | Monitoring and Aiding User Compliance with Vehicle Use Agreements - A method is described for using a telematics system to monitor compliance with a vehicle use agreement. Monitoring is facilitated by vehicle sensors and GPS components. The method includes receiving information from onboard vehicle sensors, applying the vehicle data received from onboard vehicle sensors with pre-stored information pertaining to the vehicle use agreement, and determining whether the information acquired from onboard vehicle sensors indicates potential non-compliance with the use agreement. Information pertaining to the use agreement is stored in an onboard telematics unit or in a database maintained by a Telematics Service Provider. Upon identification of potential non-compliance with the vehicle use agreement, the telematics system notifies an interested party. Furthermore, interested parties are provided with options for addressing the detected potential non-compliance with the vehicle use agreement. | 2013-10-31 |
20130290200 | SYSTEMS AND METHODS OF COMPLIANCE TRACKING - Systems and methods may provide automated compliance and operations management services. User tracking information may be received and stored. The tracking information may be analyzed to generate information for compliance or operations management, which may be provided to a recipient. Systems and methods may automate the process of monitoring, collecting, storing, analyzing, and utilizing data and information. Alerts may be generated. Reports may be compiled and delivered to a reporting entity, and may be used for compliance, tracking, monitoring or operations management. Some data may be fed directly into other existing systems and databases including, but not limited to, payroll processing systems, tax enterprise resource planning systems, human resource (HR) systems, time-keeping systems and billing systems. Proposed systems and methods may be used by individuals, enterprises, or other entities that gather data for regulatory or other compliance or operations management. | 2013-10-31 |
20130290201 | SYSTEMS AND METHODS FOR ASSESSING THE LEGITIMACY OF A TRANSPORTATION PROVIDER - Systems and methods are provided to enable users to assess the legitimacy of an alleged transportation provider. In an embodiment, a method for assessing the legitimacy of a transportation provider comprises retrieving from a user information relating to an alleged transportation provider. The system then accesses information relating to the alleged transportation provider. The system then assesses whether the alleged transportation provider is a legitimate transportation provider. Next, the system flags the alleged trasportation provider as legitimate or illegitimate. The system then transmits to the user information relating to the legitimacy of the alleged transportation provider. The system can provide crime insurance and other services to users based on the assessment of the legitimacy of the transport of choice and user stated preferences. | 2013-10-31 |