49th week of 2015 patent applcation highlights part 61 |
Patent application number | Title | Published |
20150348115 | CONTENT OUTPUT APPARATUS, CONTENT OUTPUT METHOD, COMMUNICATION TERMINAL, AND COMPUTER-READABLE MEDIUM - A content output system for outputting content to digital signage makes customers continuously feel interactivity with content to maintain their interest. A content output system | 2015-12-03 |
20150348116 | SYSTEM AND METHOD TO INITIATE A MOBILE DATA COMMUNICATION UTILIZING A TRIGGER SYSTEM - A system and method to enable a user to initiate a communication with an organization using a mobile communication device by means of a trigger system. A system and method to enable an organization to acquire a user mobile device address by means of a trigger system. A system and method to enable an organization to respond to a user by means of a trigger system and a message application server. A system and method to enable organizations to deliver mobile messages, coupons, offers and promotions to users mobile device by means of a combination of a trigger system, a message application server and an offer application. | 2015-12-03 |
20150348117 | Systems and methods to determine the name of a location visited by a user of a wireless device - Methods and systems that record the location of a user and transmit targeted content to a user based upon their current and past location information. A network is configured to include a server programmed with a database of targeted content, a database of location information, a database of user information, a database searching algorithm, and a wireless communication system capable of communicating with the user's mobile device. The location of the mobile device is ascertained and recorded. The location information is analyzed to determine the routes taken by the user, businesses visited by the user, and other behaviors of the user. Targeted content is sent to the mobile device of the user and whether the user visits the physical locations associated with the targeted content is monitored. Payment systems, phone exchange systems, and other features may also be integrated to provide detailed conversion tracking to producers of targeted content and business owners. | 2015-12-03 |
20150348118 | PROTOCOL TRACKLISTING FOR DELIVERY OF INVITATIONAL CONTENT - Methods and arrangements are provided for placing invitational content within a tracklist in an online media service. During a user session on an online media service, a user device is configured to play back a tracklist of one or more media items. Invitational content is interspersed within the tracklist, either between two media items, or within a single media item. A tracklist engine determines appropriate slots for invitational content to run, based on a set of tracklist rules for the best times within a tracklist for invitational content to appear. The tracklist engine then sends this invitational content slot information to an invitational content engine, which determines the most appropriate invitational content items to fit into each invitational content slot. The client device receives the invitational content from the invitational content engine, and the invitational content is played back within the corresponding invitational content slots of the current tracklist. | 2015-12-03 |
20150348119 | METHOD AND SYSTEM FOR TARGETED ADVERTISING BASED ON ASSOCIATED ONLINE AND OFFLINE USER BEHAVIORS - Methods, systems, and programming for targeted advertising and conversion measurement. In one example, first information related to an online activity of a user is received. The online activity is associated with a first attribute to be used to identify the user. Second information related to an offline activity of the user is received. The offline activity is associated with a second attribute to be used to identify the user. A connection between the online activity and the offline activity of the user is then identified by matching the first attribute with the second attribute. A profile of the user is obtained based, at least in part, on the identified connection. A request of serving an advertisement is received. The user is selected from a plurality of users based on the profile of the user and information related to the request. The advertisement is provided to the user. | 2015-12-03 |
20150348120 | METHODS AND SYSTEMS FOR DYNAMIC PRICING - Systems and methods are presented for conducting consumer transactions using dynamic pricing. In some embodiments, a computer-implemented method is presented. The method may include accessing, at a mobile device of a user, at least one spending constraint of the user, with the spending constraint representing a spending limit to purchase one or more items. The method may also include transmitting the at least one spending constraint to a receiver of a merchant and accessing a modified offer to purchase one or more items from the merchant, with the modified offer for the one or more items being modified from an original offer for the one or more items based on the at least one spending constraint transmitted to the merchant. | 2015-12-03 |
20150348121 | EVENT SEATING FOR TICKET BUYERS - A method includes receiving, from a user, a request for seating at an event. The method further includes fulfilling the request for seating, based at least in part on spending habit information for the user, where the spending habit information is derived from data indicative of payment card account transactions by the user. | 2015-12-03 |
20150348122 | METHODS AND SYSTEMS FOR PROVIDING PURCHASING OPPORTUNITIES BASED ON LOCATION-SPECIFIC BIOMETRIC DATA - Methods and systems are disclosed for a media guidance application that performs one or more media guidance application operations based on the biometric state of a user. For example, the media guidance application can present customize media content and/or perform customize media guidance application operations that are targeted to a user based on both the current biometric state of the user and the current location of the user. | 2015-12-03 |
20150348123 | TRACKING THE INFLUENCE OF GIFT GIVING WITHIN A SOCIAL NETWORK - Exemplary methods, apparatuses, and systems receive a gift giving event characteristic. A first set of one or more gift giving events within a first period of time that meet the received gift giving event characteristic are identified. Each of the gift giving events result in a narrative being published to a social network and are viewable by a group of one or more users of the social network. A second set of one or more gift giving events within a second period of time are identified. The second period of time is subsequent to the first period time. The second set of gift giving events are initiated by the group of one or more users. An amount of influence of a first user that initiated a gift giving event in the first set of gift giving events is determined based upon the second set of gift giving events. | 2015-12-03 |
20150348124 | Interactive Tool for Exploring Target Group - Embodiments relate to methods and apparatuses creating and analyzing target groups, for example as relied upon in conducting marketing campaigns. Certain embodiments allow predictive definition of a target group based upon an underlying complex mathematical model, which may reference large data volumes regarding individual targets in an underlying database. An interface affords simplified visualizations of the target group, for example circles of varying diameter representing target group size. Adjustable graphic elements (e.g., sliders) in dashboard views may allow predictive definition of the target group based upon inputs such as marketing cost, target group size, and/or expected revenue, etc. Once defined and stored, target groups may be explored in an interactive manner through application of filter criteria, thereby promoting familiarity with target group characteristics. Embodiments allow users who are not modeling experts, to nevertheless interact efficiently with large data volumes in order to intuitively define and/or explore a target group. | 2015-12-03 |
20150348125 | CONTENT-DRIVEN ADVERTISING NETWORK PLATFORM - A method of automatically selecting a first advertisement for a product according to real time network actions is described. A first content thematically associated with a first advertisement is displayed to a visitor of a third party website. The first content may be free of any explicit reference to a brand or manufacturer of the product. A teaser for the product may be source indistinguishable to the user from other content teasers on the platform. Upon selection of a content teaser, the content is delivered together with the first advertisement. More than one content teaser may be provided for each piece of content and a set of pieces of content may be cycled for the first advertisement. The content teasers and the content pieces displayed may then be optimized based on click through rates. | 2015-12-03 |
20150348126 | PERSONALIZED USER ENGAGEMENT SYSTEM USING OPERATING SYSTEM NOTIFICATION SCRIPT - Systems and methods for user engagement are provided. The methods may include retrieving user information of a user from a local registry on a user computing device; delivering a notification of personalized content to the user using an interface of the user computing device, wherein the notification is generated based at least on the user information retrieved from the local registry; and delivering the personalized content to the user based on an interaction of the user with the notification. The systems may include a user computing device including a user interface configured to interact with a user, a storage device configured to store thereon a local registry, and a user engagement software module configured to retrieve user information of a from the local registry; and a content server configured to store a personalized content. | 2015-12-03 |
20150348127 | EMAIL OPTIMIZATION FOR PREDICTED RECIPIENT BEHAVIOR: SUGGESTING CHANGES IN AN EMAIL TO INCREASE THE LIKELIHOOD OF AN OUTCOME - Techniques are described herein for predicting one or more behaviors by an email recipient and, more specifically, to machine learning techniques for predicting one or more behaviors of an email recipient, changing one or more components in the email to increase the likelihood of a behavior, and determining and/or scheduling an optimal time to send the email. Some advantages of the embodiments disclosed herein may include, without limitation, the ability to predict the behavior of the email recipient and suggest the characteristics of an email which will increase the likelihood of a positive behavior, such as a reading or responding to the email, visiting a website, calling a sales representative, or opening an email attachment. | 2015-12-03 |
20150348128 | EMAIL OPTIMIZATION FOR PREDICTED RECIPIENT BEHAVIOR: SUGGESTING A TIME AT WHICH A USER SHOULD SEND AN EMAIL - Techniques are described herein for predicting one or more behaviors by an email recipient and, more specifically, to machine learning techniques for predicting one or more behaviors of an email recipient, changing one or more components in the email to increase the likelihood of a behavior, and determining and/or scheduling an optimal time to send the email. Some advantages of the embodiments disclosed herein may include, without limitation, the ability to predict the behavior of the email recipient and suggest the characteristics of an email which will increase the likelihood of a positive behavior, such as a reading or responding to the email, visiting a website, calling a sales representative, or opening an email attachment. | 2015-12-03 |
20150348129 | ADVERTISEMENT SELECTING APPARATUS, ADVERTISEMENT SELECTING METHOD, AND STORAGE MEDIUM - An advertisement selecting system is disclosed providing, when selecting advertisements to be exposed to subscribers over the Internet, exposure control reflecting the inventory of advertisements by taking into account results of past exposure of each of the advertisements. When subscribers with a particular profile biased to specific tastes or preferences gain access to contents carrying advertisements, the first-ranked advertisement, i.e., the one best targeted for the subscribers in question, is exposed repeatedly but in a manner also making way for the advertisements in second and subsequent places which would be less likely to be exposed if handled conventionally, so that the stocked advertisements are exposed in fairly averaged fashion. Advertisement exposure is thus controlled in a manner averting lopsided exposure of certain (or partial) advertisement information by giving consideration to the advertisement inventory. | 2015-12-03 |
20150348130 | SYSTEMS AND METHODS FOR MANAGING COMPLIANCE WITH ONE OR MORE MINIMUM ADVERTISED PRICING POLICIES - A system and method that is configured to: (1) communicate from a manufacturer to one or more retailers a minimum advertised pricing policy, (2) update the minimum advertised pricing policy in real-time, (3) allow a retailer to check whether a current or proposed price violates the manufacturer's current minimum advertised pricing policy; and (4) allow the retailer to determine if a competitor is violating the manufacturer's current minimum advertised pricing policy. In various embodiments, the retailer can report a competitor's violation of the manufacturer's current minimum advertised pricing policy and the system is further configured to allow the manufacturer and competitor to communicate and resolve the potential manufacturer's current minimum advertised pricing policy violation. | 2015-12-03 |
20150348131 | METHOD, SYSTEM AND RECORDING MEDIUM FOR PROVIDING IMAGE USING METADATA OF IMAGE FILE - A method, system, and recording medium for providing an image using metadata of an image file are provided. An image providing method includes matching a meta tag for search with an image by analyzing metadata of the image in response to a first user uploading the image; and classifying and displaying the image based on the meta tag in response to an image read request of a second user. | 2015-12-03 |
20150348132 | COMPETITIVE ADVERTISING TARGETING - Methods, computer systems, and computer-storage media are provided for targeting advertising. Competitive advertising is an important aspect of advertising. To be effective, various influential factors of businesses may be evaluated to identify influence areas such that advertisers can easily identify areas that are susceptible to influence and those that may not be as susceptible. Once identified, bid adjustments may be made to each area such that advertisers are targeting areas with a higher return on investment. | 2015-12-03 |
20150348133 | APPLYING CONSTRAINTS TO METRICS ASSOCIATED WITH ONLINE ADVERTISING - The disclosed embodiments provide a method and system for managing online advertising. During operation, the system obtains a constraint on a first metric associated with an online advertising auction. Next, the system uses a computer to generate a tradeoff curve of the first metric and a second metric associated with the online advertising auction and use the tradeoff curve to obtain a value for the second metric that meets the constraint on the first metric. The system then uses the value to manage the online advertising auction. | 2015-12-03 |
20150348134 | Predicting the Performance of an Advertising Campaign - An advertiser specifies an advertising campaign including one or more targeting criteria for presentation to users of an online system, which retrieves information describing previously completed advertisement auctions for presenting advertisement to users of the online system satisfying one or more of the targeting criteria. Based on the retrieved information, the online system associates various bid amounts with the advertising campaign and determines the advertising campaign's estimated performance for various bid amounts. For each bid amount, the online system determines a number of previously completed advertisement auctions that would have selected an advertisement from the advertising campaign, an amount that would have been charged to the advertiser if an advertisement campaign was selected, and a number of distinct users that would have been presented with an advertisement from the advertising campaign. | 2015-12-03 |
20150348135 | BIDDING FOR POSITION OF INSTALLED APPLICATION IN AN INTERFACE OF A MOBILE DEVICE - A client device or an online system determines a position in an interface presented by a client device for presenting content associated with an application installed on the client device based in part on a bid amount associated with the application. Scores are determined for the application and other applications installed on the client device based on an expected amount of user interaction with each application and bid amounts associated with one or more of the applications. Based on a score associated with an application, a position in the interface for presenting content associated with the application is determined. If the determined position satisfies a position specified by the bid amount and content associated with the application is presented in the determined position for at least a threshold amount of time, an online system charges a third party system associated with the application an amount. | 2015-12-03 |
20150348136 | Calculating Bids for Advertisements Based on Conversion Value - An advertising platform calculates bids for advertisements based on the value of a conversion for the advertisement. The advertising platform identifies an impression opportunity for an advertisement request and computes an expected value of the conversion as well as a likelihood of the conversion. The advertising platform computes a bid amount based on the expected conversion value and the likelihood of the conversion. Bids based on the value of the conversion allow advertisers to optimize for the value of each conversion instead of simply the conversion rate. | 2015-12-03 |
20150348137 | DYNAMIC ADVERTISEMENT PRICING SYSTEM - A business management platform (BMP) for dynamically adjusting advertisement bid prices. The BMP receives an advertisement campaign from a marketer, the advertisement campaign being associated with a plurality of advertisements, and including targeting information for those advertisements, and receives segment membership data from a marketing management platform, segment membership data including a mapping of a user to a corresponding segment. The BMP associates the user with an advertisement, of the plurality of advertisements, using the segment membership data and the targeting information. The BMP determines one or more bid factors using the segment membership data, and determines a bid price for displaying the advertisement to the user using the one or more bid factors. The BMP updates the advertisement campaign with the determined bid price. | 2015-12-03 |
20150348138 | DEVICE AND METHOD FOR MANAGING EXPOSURE ORDER OF ADVERTISEMENT LINKED TO LOCATION OF CLIENT - Provided is a device and method for managing the exposure order of an advertisement linked to the location of a client. Since a distance-bidding device which exposes an advertisement provided by an advertiser to a connected client adds a bid-based advertisement ranking determined in order of advertisement unit price by bidding for the advertisement received from the advertiser to a distance-based advertisement ranking determined on the basis of a position of the connected client such as a wired or wireless computer, a cellular phone, a smart phone, an IPTV, a set-top box, various terminals or the like, even an advertiser of a low bidding advertisement ranking may place an advertisement in a specific region | 2015-12-03 |
20150348139 | RISK PREMIUMS FOR CONVERSION-BASED ONLINE ADVERTISEMENT BIDDING - An advertiser specifies a conversion-based bid for a conversion event associated with an ad. If a conversion event occurs for the ad, an effective conversion-based bid can be adjusted by a risk premium associated with the ad. An account associated with the advertiser can be debited based upon the adjusted effective conversion-based bid. | 2015-12-03 |
20150348140 | CARD-LINKED OFFER BASED ON DEAL CONSTRUCT - A system and machine-implemented method for determining and recommending a deal construct specifying a card-linked offer to cardholders is provided. A deal construct for a card-linked offer deal may be determined based on historical data from previously executed card-linked offer deals and selected deal construct parameters. A predictive model based on performance of card-linked offer deals for similar businesses may be used to determine an optimal range of deal constructs to be offered to an advertiser. | 2015-12-03 |
20150348141 | METHOD AND SYSTEM FOR UNIFYING WORKFLOW PROCESSES FOR PRODUCING ADVERTISEMENT CONTENT - Methods and systems for generating device-optimized advertisement content from source data. The methods and system includes computing hardware which is operable to execute one or more software products for providing a graphical user interface and an advertisement building arrangement for enabling user-manipulation of the source data from one or more layered pre-defined formats to generate intermediate content. In addition, the method and system includes a translation arrangement for translating the intermediate content to the device-optimized content that takes into account rendering characteristics of one or more wireless-enabled portable rendering devices on which the device-optimized advertisement content is to be rendered. | 2015-12-03 |
20150348142 | System and Method of Vehicle Value Assessment - A method is provided for a computer-mediated value assessment of a vehicle offered for sale by a seller. A computing device retrieves a universe of historical pricing data of vehicles having at least one parameter in common with the vehicle. From this universe of historical pricing data of vehicles having the same or similar at least one parameter, a maximum potential wholesale value is established. Using the vehicle identification number (VIN) of the vehicle, data is retrieved regarding the vehicle and its condition. This data is converted into at least one quantitative modifier, and at least one qualitative modifier. The maximum potential wholesale value is then reduced by the at least one quantitative modifier and the at least one qualitative modifier to arrive at an assessed value of the vehicle. This assessed value can then be communicated to a person requesting an assessment prior to a sale of the vehicle. | 2015-12-03 |
20150348143 | System and Method for Determining Vehicle Price Adjustment Values - System and method for computing price values associated with vehicle history attributes including a vehicle history database with vehicle history records, a transaction database, a vehicle history knowledge determination module adapted to determine whether a sale transaction related to a transaction record occurred with buyer's knowledge of the vehicle history attributes associated with the vehicle of the transaction record and to classify each transaction record based on whether buyer possessed knowledge of the vehicle history attributes, and a price adjustment module adapted to determine price values for the vehicle history attributes based on the vehicle history datasets and classification of the plurality of transaction records. In accordance with one aspect, the present invention may be implemented as a computer readable medium with instructions. | 2015-12-03 |
20150348144 | VOICE AND CONTEXT RECOGNITION FOR BILL CREATION - Methods and systems for facilitating payment of a bill are described. The methods use voice and context recognition to create an inventory of items for a specific user. When it is time to split the bill among a group at a table, each user is apportioned their share of the bill based on their inventory so that each user pays for what they ordered. The users may decide to split the bill differently, such as equally among themselves. | 2015-12-03 |
20150348145 | Support System That Can Customize Attribute Kind of Product for Each Dealer, Recording Medium, and Support Method - A support system includes a function execution circuit and a customer information management circuit. The function execution circuit uses customer information indicative of a specific content related to a customer to execute a specific function. The customer information management circuit manages the customer information. The customer information management circuit manages a piece of attribute kind information storing a kind of attribute for a product for each dealer, and attribute value information storing an attribute value indicative of an actual content for the kind for each of combinations of the dealers, the products, and the kinds, as a part of the customer information. The function execution circuit uses the attribute acquired based on the attribute kind information and the attribute value information to execute the function. | 2015-12-03 |
20150348146 | IN-STORE SELF-SERVE AND ZONING USING GEO-FENCING - A geo-fencing system includes a plurality of beacons defining zones within a venue. The system receives a first beacon identifier from a mobile device and registers the mobile device in a first zone corresponding to the first beacon. The system causes a first menu to be displayed on the mobile device, indicating options for the first zone. In response to selection of one of the options, the system registers the mobile device as being active in the first zone. The system then receives a second beacon identifier and registers the mobile device as being in the second zone. The system also suspends the activity of the mobile device in the first zone and causes options to be displayed to continue or terminate the activity in the first zone. | 2015-12-03 |
20150348147 | VOLUME PRICING SEARCH - A volume pricing system includes a search engine operable to present volume pricing offers to buyers. Buyers utilizing the search engine supply criteria relating to product descriptions, purchasing terms, offer features or the like. The search engine retrieves volume pricing offers from one or more sellers in accordance with the supplied criteria. Furthermore, mechanisms are provided to enable the search engine to discover new offers posted by sellers on other systems. | 2015-12-03 |
20150348148 | GUIDED PROCUREMENT SYSTEM AND METHOD - A guided procurement system for guiding the buyer for procuring when the item to be purchased is not present in the catalog database, which is an integration of a procurement tool, supplier information system tool and supplier performance system tool. The system includes a processor unit and a computer readable medium storing instructions executable by the processor unit, including a first procurement guiding module that is adapted for guiding the requester for procurement when the item is not available in the catalog database, and a second procurement guiding module that is adapted for guiding the procurement team or the buyer for procurement from the right supplier. The system is adapted for guiding the buyer while procuring by suggesting the source of procurement based on the user provided information on a web form. It further guides by suggesting the supplier from which a particular item can be procured. | 2015-12-03 |
20150348149 | EFFICIENTLY AUTHORIZING CUSTOMERS FOR PRODUCTS UNDER DIFFERENT AUTHORIZATION CONDITIONS - Customers seeking to acquire new products or services may need to be authorized for the new products or services. The authorization can depend on customer and product information, as well as on different authorization conditions such as qualification, re-qualification, and eligibility conditions. To efficiently authorize a customer for products or services under different authorization conditions, a table stores authorization rules including flags associating the rules with particular authorization conditions. Hence, among the rules that pertain to authorizing the customer for a product or service, one subset of rules can be associated with one authorization condition while a different subset is associated with another authorization condition. The customer is selectively determined to be authorized for the product or service under an authorization condition when the product or service information and/or the customer information satisfy all of the rules associated with the selected authorization condition. | 2015-12-03 |
20150348150 | UNPAID ITEM RISK MANAGEMENT - In an example embodiment, information about a buyer in an ecommerce system is obtained. An unpaid item risk assessment is calculated for the buyer, the unpaid item risk assessment calculating a risk that the buyer will not pay for an item on which the buyer bids. A bid limit is then established based on the unpaid item risk assessment. A bid from the buyer may then later be blocked based on the bid limit. | 2015-12-03 |
20150348151 | CONNECTING TRANSACTION ENTITIES TO ONE ANOTHER SECURELY AND PRIVATELY, WITH INTERACTION RECORDING - A system and method for connecting first and second transaction entities includes displaying a transaction associated with the first transaction entity where the transaction may be associated with a category of transactions. An option is also displayed to request interaction with the first transaction entity. A processor receives selection of the option and transmits a command to establish the interaction between the first transaction entity and the second transaction entity. The interaction is recorded and stored in a data storage device. The processor analyzes the recorded interaction and, according to one embodiment, detects one or more keywords in the recording. A notification may be transmitted in response to the detected one or more keywords. In another embodiment, the processor may detect a trend from analysis of the recording and may make a modification relating to future transactions associated with the category of transactions based on the detected trend. | 2015-12-03 |
20150348152 | SOFTWARE PLATFORM FOR OPTIMIZING THE TRADE-IN VALUE OF VEHICLES AND METHOD OF USE THEREOF - The present invention relates to a software platform, designed with an HTML Internet interface, and for portable phones (App format) to allow a full membership of car dealerships to operate in tandem via the system and platform to quickly and efficiently optimize the trade-in quote for a car of a potential buyer. Using a first device, a first agent of a dealer, if he or she cannot make a very good trade-in offer, will enter the vehicle data into the system which will immediately reach out the other members in a preferred format for issuance within a short time period of a revised an optimized quote. | 2015-12-03 |
20150348153 | SYSTEM AND METHOD FOR PROVIDING A SINGLE INPUT FIELD HAVING MULTIPLE PROCESSING POSSIBILITIES - Disclosed herein are methods for providing a buy option to search results. That one location for a search field can be a website, an application, a search bar in a web browser, etc. Rather than navigating to a website to perform a search in the context of that website, a user can instead navigate to or open a generalized search field. Via the generalized search field, the system can analyze the input from the user and the resulting context. A buy button can be included a search result to the user input in the input search field. Payment for an item can be processing using a payment account registered with the system with delivery coordinated from a separate merchant. This approach reduces the number of interactions, starting when the user opens a browser or application, to get to a purchase or a search result. | 2015-12-03 |
20150348154 | HIDE CUSTOMIZATION SYSTEMS AND METHODS - Methods and systems for customizing hides are provided. In particular, one or more embodiments comprise a tanning control system that improves profitability and customer satisfaction by facilitating the customization of hides according to customer orders. Furthermore, one or more embodiments enable the tanning control system to improve efficiency and responsiveness by producing packages of hides that exactly match customer orders. Additionally, one or more embodiments enhance the traceability of hides by capturing data related to the customization of hides. | 2015-12-03 |
20150348155 | AUTOMATED PRODUCT OFFERING - Automating a product offering presented in a consumer kiosk application for creating and order consumer photo-related products. An automated product offering system determines in real-time or near real-time the availability of products to be offered to the consumer and adjusts the display on the kiosk GUI to guide the user to select products that are currently available. The product availability may be specific to a location and a retailer hosting the consumer kiosk application. The kiosk GUI display is adjusted in accordance with product advertising and promotional campaigns to guide the user to generate orders for products that offer the best value to the consumer while helping retailers and kiosk operators succeed with advertising campaigns. | 2015-12-03 |
20150348156 | Sunglass Testing Station - The present disclosure provides a sunglass testing station that is useful for determining the effectiveness and desirability of a pair of sunglasses in “real world” environments. In one embodiment, the sunglass testing station comprises a base, a vertical member, and a viewing box. In other aspects, the sunglass testing station comprises a base, a handheld viewing sphere, a visual display, and interactive simulation components. | 2015-12-03 |
20150348157 | DIGITAL TIMELINE LINKING MEDIA CONTENT - Systems, computer-implemented methods, and computer-readable storage mediums for linking media content are disclosed. An online marketplace interface module provides content and receives, from a user device, a first message that includes target identification data identifying a target book character. A data access module accesses a database storing data structures. The respective data structures include character identification data, event data, and book identification data. The book identification data identifies content of the online marketplace related to the respective storyline events. A database management module provides timeline data for display on the user device. The timeline data, being based on the event data of a selected data structure, includes data for graphical indications of the one or more content indicated by the book identification data of the selected data structure. | 2015-12-03 |
20150348158 | REPEAT-ORDERING SYSTEMS AND METHODS - A repeat-ordering service may facilitate convenient “one-touch” ordering of a particular good and/or service. In one embodiment, a special-purpose signaling device may be configured to be associated with a fulfillment profile describing one or more particular goods and/or services, as well as payment and fulfillment information. Such a signaling device may communicate wirelessly with a repeat-ordering service and may be physically configured to be placed in a locale that is near to where a consumer would typically become aware of a need for the particular goods and/or services. | 2015-12-03 |
20150348159 | PLATFORM FOR PROVIDING OCCASIONAL IN-HOME CARE ADDRESSING TRUST AND SAFETY - Disclosed are systems, media, and methods to provide a coarse qualification process, the coarse qualification process comprising specifying filters and associated ranking characteristics for service providers, the filters comprising at least location, availability, and skills, and resolving practical concerns by displaying candidate service providers based on the filters and ranked based on the ranking characteristics; provide a qualification refinement process, the qualification refinement process comprising modifying the filters and ranking characteristics, applying the refined filters and ranking characteristics, and displaying refined candidate service providers; and provide a service provider booking process, the service provider booking process comprising resolving emotional concerns by viewing service provider video clips, wherein the time to resolve emotional concerns is less than an optimal customer review period, and resolving rational concerns by viewing service provider qualifications. | 2015-12-03 |
20150348160 | AUTOMATIC SELECTION OF FEATURED PRODUCT GROUPS WITHIN A PRODUCT SEARCH ENGINE - A method of computing a featured set of product groups for a query on an inventory of products. Each of the products can have one or more attribute-value pairs. Each of the one or more attribute-value pairs can have an attribute. The method can include determining a result group of the products matching the query. The method also can include determining relevance scores for the product groups. The method further can include determining a featured attribute and the featured set of the product groups for the featured attribute. The method also can include, after receiving the query from a user, transmitting for display at least one page of a website, where the at least one page has an option to view each of the product groups of the featured set of the product groups that has been selected. Other embodiments of related systems and methods are also disclosed. | 2015-12-03 |
20150348161 | ELECTRONIC SAMPLE PALETTE SYSTEM AND FILTERS - The present embodiments provide systems for generating sample(s) requests, pricelists, technical data, and sample books orders over a network. In one embodiment, a database stores design products related to a plurality of categories of commercial products from a plurality of manufacturers. Interface circuitry displays the plurality of categories of commercial products along with filtering criteria that may be selected by a user. A sample palette server is in operative communication with the database and the interface circuitry and receives a user selection of one or more filtering criteria specifying one or more requested design features. The sample palette server generates a subset of the design products sharing at least one design feature in common with the requested design features. Filtering circuitry filters the displayed plurality of categories of commercial products to include only design products from the subset of design products and causes the interface circuitry to display a second set of filtering criteria for the displayed plurality of categories of commercial products. Sample palette generating circuitry receives a user selection of a plurality of commercial products from the displayed subset of design products and generates a sample palette including graphical images of the plurality of commercial products. | 2015-12-03 |
20150348162 | USER-STATE MEDIATED PRODUCT SELECTION - Systems and methods may provide purchasing suggestions to consumers based on the emotional, financial, social or physiological state of the consumer. The state of a consumer is based on data that may be collected from a variety of sources, including image data and biosensor data collected at the point of sale, as well as data accessible via smart phone or stored elsewhere. The systems and methods may be practiced in the context of a vending machine, bricks-and-mortar store, on-line store, or other venue. | 2015-12-03 |
20150348163 | SYSTEM AND METHOD FOR PROVIDING DYNAMIC RECOMMENDATIONS BASED ON INTERACTIONS IN RETAIL STORES - An end-user device operable in a retail store records a voice conversation held in the retail store. The recording is transmitted to a server for comparing it to recordings of other conversations from a plurality of other retail stores. The server makes a recommendation based on the comparing. Embodiments of the invention are also directed to an analytics system that collects real-time metrics data for various virtual or physical retail stores associated with a plurality of contact centers. The system performs real-time analytics of the collected metrics data for identifying a product or service. The processor modifies, based on the real-time analytics, a prior service or product to be offered by a particular retail store, with the identified service or product. The processor pushes the modified service or product for display on the end-user device use in the particular retail store. | 2015-12-03 |
20150348164 | METHOD AND SYSTEM FOR MUSIC RECOMMENDATION - A music recommendation system. Signals representing particular works of authorship are transformed into the frequency domain and further manipulated to produce “signatures” for the works, and the similarities of the signatures can be used as a basis for recommending to a person who is known to enjoy, or known to have purchased, one work of authorship one or more other works of authorship the person may also enjoy or seek to purchase. | 2015-12-03 |
20150348165 | SERVER, METHOD, AND STORAGE MEDIUM STORING PROGRAM FOR MANAGEMENT OF SERVICE RECOMMENDATION - Service recommendation among users can be promoted while refraining from excessive recommendation activity. A server according to an embodiment includes an information storage unit, a screen display control unit controlling displaying screens on a terminal device, and an offering request receiving unit receiving an offering request of recommendation information. The offering request is executed without specifying a recommendation destination user. The server further includes a recommendation destination user selecting unit selecting a recommendation destination user, a recommendation information delivering unit delivering the selected destination user with the recommendation information in response to a predetermined action by a recommendation source user, a virtual object information update unit updating virtual object information necessary for executing the offering request, a recommendation information discarding unit discarding the recommendation information of which destination user has been selected if the predetermined action has not been taken by the source user until a preset time. | 2015-12-03 |
20150348166 | SYSTEM AND METHOD FOR PROVIDING ENHANCED FINANCIAL SERVICES BASED ON SOCIAL SIGNALS - A system and method includes a data store that stores information about a plurality of product offerings, a communication interface that receives, via a network, social signals information, a social signals processor coupled to an application programming interface that enables transmission of the social signals information, wherein the social signals processor detects a change in profile information, geo-social information, status information, or social media preference, and a product offering processor that determines a product offering from among the plurality of product offerings based on the detected change in profile information, geo-social information, status information, or social media preference. | 2015-12-03 |
20150348167 | Electronic Commerce Social Gifting - A method for facilitating electronic commerce social gifting, wherein an initial user can select a specific gift to be given to a gift recipient. A plurality of vendors and a plurality of gifts from which the initial user selects the specific gift are presented to the initial user through an initial user account. The initial user then provides recipient information, gifting medium, and gift acceptance time period. The gifting medium defines the method in which a gift redemption code is sent to the gift recipient (e.g. text message, email, social media website), while the recipient information provides the personal data for sending the gift redemption code through the gifting medium. If the specific gift is not accepted by the gift recipient within the gift acceptance time period, then the gift redemption code is cancelled. If accepted, the specific gift or a gift value can be redeemed by the gift recipient. | 2015-12-03 |
20150348168 | SYSTEM AND METHOD OF ELECTRONIC SEARCHING AND SHOPPING CARTS - A system of electronic shopping with an electronic shopping cart includes a computer processor, a network interface configured to connect the processor to an electronic shopping site and to shop at the shopping site using the electronic shopping cart, an input device configured to receive search string input from a user, a display device configured to display search string preview results to the user as the user enters the search string input in the input device, and a non-transitory physical medium. The medium has instructions stored thereon that, when executed by the processor, causes the processor to receive from the input device a partial search string entered by the user, display on the display device relevant search string preview results from the shopping site based on the partial search string, and display on the display device contents of the shopping cart concurrently with the displayed search string preview results. | 2015-12-03 |
20150348169 | SYSTEM AND METHOD FOR MARKETPLACE SOFTWARE PLATFORM - The present invention relates to a marketplace software platform that provides the capability for: (i) the negotiation of a retailer item(s) price or selection from various price offers; (ii) the issuance of an electronic discount or intelligent coupon (the “iPON™”) that may correspond to the price selected or negotiated; and (iii) the storage and updating of such iPON™ in real time. | 2015-12-03 |
20150348170 | METHODS AND SYSTEMS FOR FACILITATING ENTERTAINMENT MEDIA LISTINGS USING UNIQUE USER IDENTIFIERS - Systems and methods are presented for facilitating entertainment media listings using unique user identifiers. In some embodiments, a computer-implemented method is presented. The method may include accessing a unique user identifier of a user, the unique user identifier associated with at least one form of entertainment media, the unique user identifier including a user history of at least one form of the entertainment media accessed by the user. The method may also include transmitting first information for displaying an offer to conduct a consumer transaction of a product associated with the at least one form of entertainment media, wherein displaying the offer is based on the user history within the accessed unique user identifier. | 2015-12-03 |
20150348171 | Smart Order Management And Application Level Sharding - A method for sharding a store order database and order management application is provided. The method may include a computer router associated with a store receiving, from a customer computer, a query regarding an order. The router may use resident shard determination logic to identify a database shard which pertains to the order and which is part of a store order database having multiple database shards. The router may transmit information regarding the order to a database server which implements the identified database shard and which implements an order management system application layer. The database server may process information regarding the order and transmit information regarding the order to the customer computer. | 2015-12-03 |
20150348172 | Smart Order Management And Database Sharding - A method for sharding a store order database is provided. The method may include a store order management server operating an order management system application layer to facilitate online order management. The store order management server may receive, from a customer computer, a query regarding an order to purchase items from the store. The store order management server may transmit the customer query regarding the order to a router which may use resident shard determination logic to identify a database shard which pertains to the order. The database shard may be part of a store order database having a plurality of database shards. The router may transmit information regarding the order to a database server which implements the identified database shard and the database server may process the information and transmit information regarding the order to the customer computer. | 2015-12-03 |
20150348173 | CONCEPTS FOR USING ACTION IDENTIFIERS IN MESSAGES - Computer program products, methods, systems, apparatus, and computing entities are provided for automatically carrying out actions based on action identifiers in messages. In one embodiment, an appropriate computing entity can determine whether a message comprises an action identifier in the message. If the message comprises an action identifier, one or more of the parties of message can be identified and the corresponding action can be initiated. | 2015-12-03 |
20150348174 | SYSTEM AND METHOD FOR DIGITAL CAPTURING, PROCESSING AND APPLICATION OF PRINTS TO CONSUMER GOODS - A method of digitally processing a digital image file comprising a print image and a non-print portion, in order to isolate the print image from the non-print port ion of the digital image file, comprising the steps of converting the digital image file to grayscale whereby a grayscale image is created, creating a blurred copy of the grayscale image whereby a blurred grayscale image is created, creating a composite image comprising the difference between the blurred grayscale image and the grayscale image, creating a negative image comprising the negative of the composite image, removing dithering from the negative image, resulting in a dithered image, normalizing the colorspace of the dithered image to black and white, replacing white pixels with transparent pixel information to form a processed print image, and saving the processed print image in an image file format with transparency support. | 2015-12-03 |
20150348175 | HIERARCHICAL RESALE SYSTEM FOR TELECOMMUNICATION PRODUCTS - Systems and methods for a hierarchical resale system for telecommunications services are described. In an embodiment, a computerized method for implementing a hierarchical resale model for telecommunication products may include generating an electronic interface for sale of a telecommunication product in a hierarchical resale system, and generating a resale electronic interface for resale of the telecommunication product in a hierarchical resale system. | 2015-12-03 |
20150348176 | SYSTEM AND METHOD FOR SELLING LAMPS - A system for selling lamps, the system including: a server for storing lamp information; a display terminal for displaying the lamp information; a retail store; and a warehouse. The display terminal is connected to the server via a network. The display terminal is disposed in the retail store and operates to display the lamp information and receive the input of purchase data. The lamps are stored in the warehouse. | 2015-12-03 |
20150348177 | MANAGING LEASE TRANSACTIONS IN DISTRIBUTED SYSTEMS - A computer-implemented method of managing lease transactions from a plurality of time-synchronized cluster nodes for a shared leased resource in a computer network, the method including accepting, during a request period, requests to lease a shared leased resource in an upcoming lease interval, the requests received from among a plurality of time-synchronized cluster nodes. The method may include selecting, during a response period which concludes prior to the beginning of the upcoming lease interval, a leaseholder for the shared leased resource in the upcoming lease interval in response to receiving at least one request during the request period, the leaseholder selected based on the at least one received request. The response period may occur after the request period. The method may include notifying, during the response period, the selected leaseholder of its selection as the leaseholder for the shared leased resource in the upcoming lease interval. | 2015-12-03 |
20150348178 | Method and System for Renting and Sub-Renting Vehicles - A system and method for sub-renting a vehicle to a secondary/sub-renter after the vehicle has been rented to a primary renter. The vehicle may comprise a telematics control unit to enhance the sub-renting process. A rental duration of secondary renter(s) may be compared to an idle timeframe specified by the primary renter. Other rental parameters may be compared to enhance sub-renting of the vehicle, such as an idle location and a vehicle class of the vehicle, for example. In this manner, rented vehicles can be utilized more, particularly during periods when the primary renter has no need to use the rented vehicle. Secondary renters are enabled to use/rent the vehicle during these idle periods and the primary renter can avoid paying for more than he or she needs. | 2015-12-03 |
20150348179 | VEHICLE RENTAL ADMINISTRATION SYSTEM, VEHICLE RENTAL ADMINISTRATION PROGRAM, VEHICLE RENTAL CUSTOMER TERMINAL, AND VEHICLE RENTAL CUSTOMER TERMINAL PROGRAM - A database includes usage condition data showing information about at which future time each of multiple parking sites prepared as rental sites and return sites for vehicles can be used for vehicle return. A control system specifies a reserved return site and a reserved return time relating to the new return reservation and sets a return reservation determining the specified reserved return site and reserved return time by ascertaining which parking site among multiple parking sites at which future time can be used, in response to a new return reservation request received from a first terminal among mobile terminals and/or vehicle-mounted terminals with reference to the usage condition data. | 2015-12-03 |
20150348180 | NON-MONETARY BIDDING BASED ON BIDDER-SPECIFIC DATA - Technologies are presented that provide automated non-monetary bidding based on bidder-specific data. A method includes receiving, from a bid acceptance server, an information request associated with a bidder; collecting and analyzing data regarding one or more data points associated with the bidder and requested in the information request; packaging analysis results into a bid; and providing the bid to the bid acceptance server. The data points may be limited based on input from the bidder. The data analyzed may include electronically-available data associated with the bidder. The method may be performed at the bid acceptance server, at a device of a bidder, or at a combination of the two. Submitted bids may be ranked by the bid acceptance server according to a given algorithm. | 2015-12-03 |
20150348181 | METHOD AND SYSTEM FOR AUCTION INFORMATION MANAGEMENT - Foreclosure auction information received from each of a plurality of sources of such information via respective Internet bots, manual updates, or other sources, is used to populate a database according to a predefined schema and ruleset. The database is updated in near real time (from any or all of the datasources), and actionable auction information that meets user-determined criteria for accuracy, timeliness and/or relevancy is extracted from the database and presented for use by a user. | 2015-12-03 |
20150348182 | PREPROVISION ONBOARDING PROCESS - Disclosed is a system for onboarding a new customer. The system for onboarding a new customer typically includes a processor, a memory, and a customer onboarding module stored in the memory. The system for onboarding a new customer is typically configured for: creating a first pre-provisioned account, the first pre-provisioned account including generic customer information and account access credentials; storing the first pre-provisioned account in an account database; initiating an onboarding session with a customer; selecting the first pre-provisioned account from the account database; receiving customer-specific information from the customer and replacing generic customer information in the first pre-provisioned account with the customer-specific information; providing the first pre-provisioned account's access credentials to the customer; testing the customer's access to the first pre-provisioned account; determining that the customer successfully accessed the first pre-provisioned account; and based on determining that the customer successfully accessed the first pre-provisioned account, terminating the onboarding session. | 2015-12-03 |
20150348183 | DEPOSIT VISUALIZATION - A multiple banknote and/or check deposit transaction at a Self-Service Terminal (SST) permits visual customer feedback during the transaction for depicting categories and denominations associated with the transaction. Moreover, an interface rendered with the visual customer feedback permits the customer to review, edit, accept, or abort the transaction. | 2015-12-03 |
20150348184 | AUTOMATED CHECK DEPOSIT DECISIONS - A customer attempts to deposit a check and receives an unacceptable decision. An automated decision process is initiated to evaluate the unacceptable decision based on governmental regulations, transaction details, customer profile information, and/or bank business rules. A new decision is automatically provided to the customer based on the automated decision process's decision. | 2015-12-03 |
20150348185 | FAMILY ACCOUNTS FOR AN ONLINE CONTENT STORAGE SHARING SERVICE - A computing device provides methods and workflow for setting up a shared family account on a content storage system, including the creation of accounts for child family members. A computing device supports the creation of a family account using an account on the content storage system associated with an adult family member acting as a family organizer. The family organizer can designate a specific account as a purchase account for allowing other family member to purchase content from content servers associated with the content storage system. The family organizer can invite other adult family members to join the shared family account. The family organizer can create new accounts on the content storage system for child family members, and can designate access and purchase restrictions for such child family members. Family members have access to shared storage content, as well as services such as family calendar, group messaging, and device location. | 2015-12-03 |
20150348186 | SYSTEM AND METHOD FOR DYNAMIC CUSTOMER ACQUISITION PROBABILITY AND RISK-ADJUSTED RETURN-ON-EQUITY ANALYSIS - Disclosed is a method of processing a user's loan request to a bank and making recommendations to the user and the bank. The invention includes using a computer code that evaluates user submitted loan data, public bank data, and private bank data to calculate a bank's risk-adjusted return-on-equity and customer acquisition probability on a given loan. The bank's private data may include bank profile settings and bank historical data. The bank's public data may include UBPR and bank call reports. Also, the method may be utilized to analyze the bank's performance over time. | 2015-12-03 |
20150348187 | SYSTEMS AND METHODS FOR DETERMINING OCCUPANCY - Certain implementations may include systems and methods for determining occupancy. According to an example implementation, a method is provided. The method includes receiving identifying information related to occupancy of a target property by a subject. The identifying information may include a name of the subject and an address of the target property. In certain embodiments, the identifying information may include an actual or approximate investigation date to allow a historical evaluation of occupancy at a specific time in the past. The method includes querying one or more public or private databases with the identifying information and receiving, in response to the querying, subject and property information. The method includes determining one or more indicators of occupancy of the target property. The method includes determining, with the one or more computer processors, a score based on the one or more indicators of occupancy; and outputting an indication of the score. | 2015-12-03 |
20150348188 | System and Method for Seamless Integration of Trading Services with Diverse Social Network Services - A method for enabling interaction between users on a trading platform includes assigning a credit score to each user based on the user's action and also based on the actions from other users and on the market condition. The users may form social circles based on their interests and the trading system will present postings from other users and the market information to the user according to the information and action taken by the user. | 2015-12-03 |
20150348189 | Restriction of Soft Dollar Overpayments - A computer-implemented method, including retrieving, by a computer system from a data repository, a trade execution agreement that specifies an amount of soft dollars payment to be paid to a service provider for execution of a trade order; retrieving, by the computer system from the data repository, information indicative of a soft dollar agreement with the service provider, with the soft dollar agreement specifying an amount of soft dollar payments to be paid to the service provider within a predetermined period; accessing by the computer system trade settlement information that specifies an amount of soft dollar payments that have previously been paid to the service provider; determining by the computer system whether to restrict the amount of soft dollar payments for the trade order. | 2015-12-03 |
20150348190 | SYSTEMS AND METHODS FOR ENHANCED USER INTERFACE FOR PLACING AN ORDER - A system to provide an enhanced user interface for placing an order, for example an online purchase or sale order, includes a user input device configured to generate position data and a processor coupled to the user input device. The processor receives the position data from the user input device and generates a first order variable and a second order variable based on the position data. The processor changes the first order variable in response to the position data indicating movement of the user input device in the X-axis and changes the second order variable in response to the position data indicating movement of the user input device in the Y- axis. The order variables may relate to an order price and an order quantity. | 2015-12-03 |
20150348191 | KEYBOARD TRADING SYSTEM - The present invention relates to systems and methods for providing customized keyboards for receiving user inputs, and view regions for displaying information for users in useful arrangements. Such keyboards include keys that are pre-programmed to reflect the issues present in each trading pane of the view regions. Using such keys, a user may direct the trading application to quickly and efficiently switch between multiple issues, and place, manipulate or cancel orders on them. The keyboard may also be designed such that multiple keys may be disabled, replaced or mapped to perform different functions. | 2015-12-03 |
20150348192 | ELECTRONIC PLATFORM FOR MANAGING INVESTMENT PRODUCTS - Example embodiments of the present invention are directed to an integrated system and methods performed thereon for identifying customized structured investment products, certifying users to use and sell such customized structured products, selling and trading such customized structured products, and monitoring the performance of the customized structured products. The customized structured products are built from real time market data, client specific data, and/or performance metrics of other customized structured products | 2015-12-03 |
20150348193 | EXCHANGE TRADING OF MUTUAL FUNDS OR OTHER PORTFOLIO BASKET PRODUCTS - The invention provides systems and methods for intra-day trading of actively managed exchange traded funds (AMETFs). The invention provides creation and redemption structures for AMETF shares that allow arbitrage, intra-day value estimations for AMETF shares, and hedging portfolios for hedging risks associated with trading AMETF shares, all without requiring disclosure of the specific assets underlying the AMETF. | 2015-12-03 |
20150348194 | SYSTEMS AND METHODS FOR CHECKING MODEL PORTFOLIOS FOR ACTIVELY MANAGED FUNDS - Embodiments include systems and methods for evaluating the integrity of a model portfolio designed to have substantially the same values, returns, or risk characteristics as a financial instrument. Embodiments include operating a first computer to perform a statistical comparison between said model portfolio and the financial instrument, wherein said statistical comparison compares at least one of the periodic values, returns, and risk characteristics of the model portfolio and the financial instrument over some period of time. The results of the statistical comparison are periodically published throughout a trading day for use by a trader to at least one (i) price and (ii) hedge an investment in the financial instrument. According to embodiments, the model portfolio does not reveal the holdings of a reference asset for the financial instrument. | 2015-12-03 |
20150348195 | SYSTEMS AND METHODS FOR TRADING ACTIVELY MANAGED FUNDS - Embodiments include systems and methods for evaluating the integrity of a model portfolio designed to have substantially the same values, returns, or risk characteristics as a financial instrument. Embodiments include operating a first computer to perform a statistical comparison between said model portfolio and the financial instrument, wherein said statistical comparison compares at least one of the periodic values, returns, and risk characteristics of the model portfolio and the financial instrument over some period of time. The results of the statistical comparison are periodically published throughout a trading day for use by a trader to at least one (i) price and (ii) hedge an investment in the financial instrument. According to embodiments, the model portfolio does not reveal the holdings of a reference asset for the financial instrument. | 2015-12-03 |
20150348196 | System and method for financial forecasting and report generation - A system and method for financial forecasting and report generation provides a computerized system for providing forecasts of possible future financial outcomes and generating a report to explain the results of the forecasts. The system receives and stores information related to the forecast, generates a series of possible future financial outcomes, and provides a customizable framework for displaying obtained results and generating reports depicting the obtained results. | 2015-12-03 |
20150348197 | Repurchase agreement analytics across multiple fixed income products - Systems, methods, and computer-readable mediums (i.e., utilities) for use in enabling corporate treasurers, money managers, and other investors to view and analyze consolidated credit risk on individual investments across multiple money market products (MMPs) and/or multiple accounts. In one aspect, the utilities may generate a database of MMP and related holding information that may be used to research and analyze one or more MMPs and/or underlying securities even if the same MMP or security is associated with different identifiers. In another aspect, the securities or holdings of the MMPs of actual or sample accounts may be aggregated (e.g., by common identifier, sponsor, issuer, etc.) either within MMPs and/or across multiple MMPs and subsequently analyzed to generate inferences and to obtain numerous types of information which may be presented to corporate treasurers and/or other users on a display (e.g., text, charts, graphs, etc.) for use in gauging a company's or other entity's credit exposure and in making decisions based on what is displayed. | 2015-12-03 |
20150348198 | REPURCHASE AGREEMENT REPORTING ACROSS MULTIPLE FIXED INCOME PRODUCTS - Systems, methods, and computer-readable mediums (i.e., utilities) for use in enabling corporate treasurers, money managers, and other investors to view and analyze consolidated credit risk on individual investments across multiple money market products (MMPs) and/or multiple accounts. In one aspect, the utilities may generate a database of MMP and related holding information that may be used to research and analyze one or more MMPs and/or underlying securities even if the same MMP or security is associated with different identifiers. In another aspect, the securities or holdings of the MMPs of actual or sample accounts may be aggregated (e.g., by common identifier, sponsor, issuer, etc.) either within MMPs and/or across multiple MMPs and subsequently analyzed to generate inferences and to obtain numerous types of information which may be presented to corporate treasurers and/or other users on a display (e.g., text, charts, graphs, etc.) for use in gauging a company's or other entity's credit exposure and in making decisions based on what is displayed. | 2015-12-03 |
20150348199 | SPONSOR-BASED ANALYTICS ACROSS MULTIPLE FIXED INCOME PRODUCTS - Systems, methods, and computer-readable mediums (i.e., utilities) for use in enabling corporate treasurers, money managers, and other investors to view and analyze consolidated credit risk on individual investments across multiple money market products (MMPs) and/or multiple accounts. In one aspect, the utilities may generate a database of MMP and related holding information that may be used to research and analyze one or more MMPs and/or underlying securities even if the same MMP or security is associated with different identifiers. In another aspect, the securities or holdings of the MMPs of actual or sample accounts may be aggregated (e.g., by common identifier, sponsor, issuer, etc.) either within MMPs and/or across multiple MMPs and subsequently analyzed to generate inferences and to obtain numerous types of information which may be presented to corporate treasurers and/or other users on a display (e.g., text, charts, graphs, etc.) for use in gauging a company's or other entity's credit exposure and in making decisions based on what is displayed. | 2015-12-03 |
20150348200 | SYSTEMS AND METHODS FOR FACILITATING COMMUNICATION AND INVESTMENT - Systems, methods and techniques for facilitating communication and investment between prescreened investors and businesses seeking capital. The computer-aided system and method comprise a secure platform through which investors and businesses can interact. Business data is made accessible to the appropriate users, and investors can browse the same while remaining anonymous. Additionally, the system and method can categorize and sort businesses into targeted subsets pursuant to investor-defined parameters, thereby enabling investors to focus on and research a smaller group of businesses. The facilitating communication and investment system and method hereof further enables investors to contact targeted businesses directly through the secure platform to facilitate communication therebetween. | 2015-12-03 |
20150348201 | AUTOMATED TOOL FOR INVESTMENT TECHNOLOGIES - A method for creating at least one investment strategy, the method including the steps of inputting user data via a user interface to identify a user; utilising said user data to retrieve statistical and reference data relevant to said user from a database; generating at least one investment strategy for the user based on the user data and retrieved statistical and reference data; displaying said at least one investment strategy. | 2015-12-03 |
20150348202 | Insurance Claim Outlier Detection with Kernel Density Estimation - Data is received that comprises a data set characterizing a plurality of insurance claims. Thereafter, a density function of the data set is estimated using kernel density estimation. At least one claim having at least one outlier variable is then identified using the density function. Data is then provided (e.g., displayed, stored, loaded into memory, transmitted to a remote computing system, etc.) that characterizes the at least one identified claim as likely being fraudulent or erroneous. Related apparatus, systems, techniques and articles are also described. | 2015-12-03 |
20150348203 | Method and System For Remotely Verifying Weather Damage to a Vehicle - A system comprises a weather data network configured receive a severe weather profile including severe weather duration data, severe weather geographic boundary data, and severe weather type data. The system receives an automotive sensor profile for at least one individual vehicle including individual vehicle geographic location data. The system determines and stores a vehicle exposure profile for the at least one individual vehicle including proximity of said individual vehicle geographic location data to the severe weather geographic boundary data. | 2015-12-03 |
20150348204 | METHOD FOR ASSESSING HAIL DAMAGE - A method comprises capturing a 3-dimensional image of a property damage. The image transferred to a processing system at least configured for image analysis. The processing system determines characteristics of the property damage using the image. The characteristics are compared to characteristics of known property damage. The characteristics of known property damage are retrieved from a database. A report of the comparison is generated and the generated report is received. | 2015-12-03 |
20150348205 | Systems and Methods for Providing a Benefit Product with Periodic Guaranteed Minimum Income - The invention provides systems, and methods of using the systems, implementing a benefit product with a guaranteed minimum income, wherein payment into the benefit product securing the guaranteed minimum income. The system comprises an income recordkeeper interfacing with a plurality of savings recordkeepers, the income recordkeeper including (1) an income recordkeeper interface portion that inputs attributes to the benefit product funded by payments from a plan associated with the benefit product; and (2) an income recordkeeper record keeping system that implements the benefit product, the income recordkeeper record keeping system being in communication with the income recordkeeper interface portion, the income recordkeeper record keeping system: (a) monitoring transactions to the benefit product; and (b) determining, based on the transactions, a guaranteed minimum income associated with participation in the benefit product. | 2015-12-03 |
20150348206 | Mortality Progression Methods and Systems - Methods and systems for preparing improved mortality tables for use with life insurance and other financial products are described herein. The improved mortality tables described herein account for progression over time of insureds from one underwriting class to another, e.g., based on deteriorating health over time. An insured who is in a “preferred” class at the time of initial underwriting might not still qualify for “preferred” status in 5 years, or even the next year. By creating a system of linear equations that predict the composition of a group n years after underwriting, insurance (and other financial products) providers can calculate more definite costs for pricing financial products based on the estimated or expected transition from one underwriting class to another. | 2015-12-03 |
20150348207 | TRANSACTION RETRIEVAL - The subject matter disclosed herein provides methods for executing a script to retrieve chargeback records. The method may execute a script for retrieving one or more chargeback records for one or more merchants from one or more web portals of one or more financial institutions. The one or more chargeback records may represent a return of funds to one or more purchasers by the one or more financial institutions. The script may have commands. These commands may navigate a web browser to a web portal associated with at least one financial institution. These commands may also provide authentication information for the at least one merchant into the web portal, access the one or more chargeback records for the at least one merchant, and download the one or more chargeback records. Related apparatus, systems, techniques, and articles are also described. | 2015-12-03 |
20150348208 | TRANSACTION MATCHING - The subject matter disclosed herein provides methods for matching chargeback records with transaction records. The method may access a server having one or more transaction records. The one or more transaction records may include one or more transaction data values representing one or more purchases by one or more purchasers from a merchant. One or more chargeback records associated with the merchant may be accessed. The one or more chargeback records may include one or more chargeback data values representing a return of funds to the one or more purchasers. The one or more transaction records may be matched with the one or more chargeback records based on the one or more transaction data values and the one or more chargeback data values. Related apparatus, systems, techniques, and articles are also described. | 2015-12-03 |
20150348209 | METHOD AND SYSTEM FOR LINKING FORENSIC DATA WITH PURCHASE BEHAVIOR - A method for linking forensic data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer and a plurality of transaction data entries, each entry including data related to a payment transaction involving the consumer including transaction data; receiving a forensic profile, the profile including forensic data obtained from a computing device; identifying a correspondence between the received forensic data and transaction data included in the stored transaction data entries to obtain a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and transmitting at least the transaction data included in one or more transaction data entries included in the identified specific consumer profile. | 2015-12-03 |
20150348210 | SYSTEM AND METHOD FOR GENERATING ALTERNATIVE ELECTRONIC RECEIPT DISPLAYS ON A COMPUTING DEVICE - A computing device includes a communication unit configured to communicate wirelessly with a server that stores electronic receipt data, a memory unit configured to temporarily store electronic receipt data received from the server through the communication unit, a display unit configured to display an user interface including a plurality of user selectable elements, each corresponding to a display format of a group of electronic receipts, and a control unit configured to control the display unit to display the electronic receipts corresponding to the electronic receipt data stored in the memory unit, in one of the display formats selected through the user interface. | 2015-12-03 |
20150348211 | FUTURE RESOURCE FORECAST - Embodiments relate to methods and systems for providing specific GUIs based on real-time data and projected data, such as for management of financial resources in view of future resource forecasts. In an embodiment, a method comprises receiving, electronically by a processor, user data comprising financial source data, income data and expenses data. The method also comprises determining, electronically by the processor, spendable resources based on the received user data. The method also comprises receiving, electronically by the processor, user inputs via an interactive interface of a user device comprising desired expense information. The method further comprises determining, electronically by the processor, an impact of the desired expense information on the spendable resources. And the method also comprises causing to be displayed, electronically by the processor, content associated with the impact on the user device. | 2015-12-03 |
20150348212 | Systems and Methods for Graphically Rendering Account Data - A method comprising: processing account data obtained for one or more accounts to determine relative sizes of a quantitative attribute of a plurality of comparable account data elements; and rendering at least some of said account data graphically such that each of said account data elements is represented by an image, relative sizes of said images indicating relative sizes of the corresponding quantitative attributes of the account data elements. | 2015-12-03 |
20150348213 | Computer based system for spend analysis solution through strategies for mining spend information - A computer based system for spend analysis solution through strategies for mining spend information, the system comprises a processor unit; and a computer readable medium storing instructions executable by the processor unit comprising classification system adapted to classify spend data in accordance with pre-determined parameters of classification; categorization system adapted to categorize classified spend data based on pre-defined parameters; input system adapted to input pre-defined fields in relation to category of spend data, supplier information, payment terms, contracts or contract terms, and other pre-defined dimensions; saving strategy analysis engine adapted to analyze classified and categorized spend data based on pre-determined strategies, the saving strategy analysis engine further comprising category based saving strategy analysis engine adapted to output saving strategy per identified category inputs; and supplier based saving strategy analysis engine adapted to output saving strategy per identified supplier inputs. | 2015-12-03 |
20150348214 | MESSAGING SERVICE FOR GEOFENCE-BASED AUTOMATIC TIME CLOCKING - In one exemplary embodiment, a method includes creating a virtual perimeter around a geographic region. The geographic region within the virtual perimeter is assigned a job-site number. A location of a user's mobile device is tracked. It is determined when a user enters the geographic region defined by the virtual perimeter. The time that the user is in the geographic region is recorded. The time the user is in the virtual perimeter can be assigned to a time sheet of the user as an employee of a company. It can be detected that the user has left the geographic region. The recording of the time that the user is in the geographic region can be ceased. The excused period to be outside the geographic region can be automatically determined from information in the user's mobile device calendar or in a list of assignments associated with the user. The geographic region can be a physical work site. | 2015-12-03 |