51st week of 2012 patent applcation highlights part 61 |
Patent application number | Title | Published |
20120323700 | IMAGE-BASED CAPTCHA SYSTEM - A system and method for remote verification of human interaction without requiring the entering of alpha numeric characters using a keyboard. | 2012-12-20 |
20120323701 | IMPRESSION ALLOCATION SYSTEM AND METHODS USING AN AUCTION THAT CONSIDERS LOSING BIDS - A system and methods for allocating impressions using an auction comprises a delivery engine, a statistics collector, a forecasting module, and optimization engine and a direct demand source. The delivery engine receives indirect demand, direct demand and optimization information that it uses to allocate impressions and serve ads. The statistics collector is coupled to collect information from the delivery engine and input from the forecasting module. The forecasting module provides information to the optimization to smooth the rate at which direct demand is allocated. The optimization engine receives information from the statistics collector, the forecasting module and the direct demand source to produce optimization information that is used to generate bids for the direct demand. The present invention is particularly advantageous because it preserves the incentive for performance bidders to bid honestly; it eliminates adverse selection against the publisher; and it increases the efficiency and total value produced by the auction. | 2012-12-20 |
20120323702 | SYSTEM AND METHOD FOR CLIENT-SERVER COOPERATION IN SELECTING CONTENT FOR DISPLAY - A system and method is disclosed for selecting content for display in an electronic document. In one embodiment, a first machine generates instructions tailored for execution on a second machine and transmits the instructions to the second machine over a network. The generated instructions cause the second machine to select, for display in the electronic document, a particular content item from a list of potential content items specified in the instructions. | 2012-12-20 |
20120323703 | System providing relevant services to transient devices in wireless networks and methods thereof - Generally described, the present disclosure relates to communications and more particularly, to a system providing relevant services to transient devices in wireless networks and methods thereof. In one illustrative embodiment, a Unified Communications and Collaboration (UCC) client on a device can be synchronized with a network so that the device can appear as a local entity. The UCC client can facilitate exchange of data to ease the integration of the device into the local environment. After being synchronized, the UCC client can seek out available assistance from the local network and provide it to the user. Typically, the data retrieved from the local network pertains to the current location. The local network can be used to provide wireless service to mobile devices in order to remove them from their carrier network, including providing a local breakout via a Private Branch Exchange (PBX). | 2012-12-20 |
20120323704 | ENHANCED WORLD WIDE WEB-BASED COMMUNICATIONS - A system comprising a javascript component that obtains content from a single subject. The widget receives the content and provides an enhancement to the content by displaying the content and at least one advertisement associated with the single subject. | 2012-12-20 |
20120323705 | Method For Online Session Advertising - The invention provides a method of providing and selling online advertising in which a single advertiser is guaranteed major advertising locations on each qualifying page viewed by a web site visitor during the viewer's entire web session. Advertisements from a single advertiser follow web site visitors through the web pages they select for viewing, allowing a consistent message to be displayed to a particular user over a period of time. Advantages include the ability to engage in linear storytelling and to obtain reach, duration, and impact of the advertising message on a par with or exceeding that obtainable from conventional advertising media such as television and print. | 2012-12-20 |
20120323706 | SYSTEMS AND METHODS FOR INTEGRATING XML SYNDICATION FEEDS INTO ONLINE ADVERTISEMENT - A system for providing XML syndication content to an Internet advertisement panel rendered in a web browser is disclosed. The system includes a web content server, an Internet advertisement server, and a XML syndication content feed site server. Both the web content server and the Internet advertisement servers are in communications with the web browser. The web content server is configured to respond to requests from the web browser for a web page and to deliver the web page to the web browser. The Internet advertisement server is configured to choose and deliver an Internet advertisement panel, having embedded XML syndication content, to the web browser. The XML syndication content feed site server is in communications with the Internet advertisement server and is configured to send XML syndication content updates to the Internet advertisement server. | 2012-12-20 |
20120323707 | Multi-Language Electronic Menu System and Method - A multi-language electronic menu on a computing device receives from a user a selection of a language to be employed in displaying menu items to the user. Thereafter, the device electronically displays the menu to the user in the selected language, and allows the user to navigate amongst the menu items of the menu on the device. In doing so, the device receives selections of one or more of the items of the menu to be ordered or requested for such user, all in the selected language. The device then receives a selection from the user that the user has finished selecting menu items, and a selection that an order or request comprising a number of selected items for the users is complete, and the device sends the order or request from the device for fulfillment in a format independent of any particular language. | 2012-12-20 |
20120323708 | Web-based Application and Mobile Application for Purchasing and Redeeming Lottery Tickets - A user interface for purchasing and redeeming lottery tickets, implemented through either a web-based application or a mobile application, where the application either resides on or communicates with a point of sale system on a lottery vendors server, and the lottery vendors server has no writable communication with the lottery facility where the winning numbers are determined and where lottery monies are held. The user interface also has several features that facilitate the automatic play of lottery games, and it can also be used to implement scratch-off type lottery games. | 2012-12-20 |
20120323709 | System And Method For Registration Of An Electronic Device - A method for registering an electronic device includes receiving a transaction code and purchaser information associated with a purchase of an electronic device. While the transaction code is associated with the purchase of the electronic device, it does not uniquely identify the electronic device purchased. The method also includes receiving from the electronic device the transaction code and a device identifier that uniquely identifies the electronic device. The device is registered by associating the purchaser information and the device identifier via the transaction code. | 2012-12-20 |
20120323710 | METHOD AND SYSTEM FOR STORING AND USING IDENTIFYING ACCOUNT INFORMATION ON AN ELECTRONIC DEVICE - A method and system for creating an account and storing account information on an electronic device, such as a smart phone or tablet for use in conducting financial and other transactions. Account numbers for credit cards, debit cards, membership cards, gift cards and so forth may be displayed on a screen of the electronic device as a one-dimensional or two dimensional bar code that is then scanned by a merchant to conduct a financial transaction in the case of a purchase or to identify an individual as a member of a rewards club or other club. | 2012-12-20 |
20120323711 | VIRTUAL HYBRID PRINTER SYSTEM - A virtual hybrid printer that provides the capabilities and function of a physical hybrid printer with fewer physical devices. The virtual hybrid printer employs virtual controls for additional devices so that applications can directly employ the virtual hybrid printer in a manner that simulates all desired hybrid printer capabilities without the need for all physical devices corresponding to those capabilities. | 2012-12-20 |
20120323712 | TRANSACTION PRODUCT WITH PUMP ASSEMBLY - A transaction product includes a substantially rigid housing, a pump assembly, and an account identifier. The substantially rigid housing defines a substantially liquid-tight reservoir, an outflow aperture, and an external surface. The substantially liquid-tight reservoir is configured to maintain a liquid therein. The pump assembly is enclosed within the substantially rigid housing and is in communication with the substantially liquid-tight reservoir and the outflow aperture. The pump assembly is configured to move liquid from the substantially liquid-tight reservoir, through the pump assembly, and out the outflow aperture and into an external environment surrounding the substantially rigid housing. The account identifier is statically connected to the external surface of the substantially rigid housing and links the substantially rigid housing to at least one of an account and a record and is machine readable by a point-of-sale terminal. | 2012-12-20 |
20120323713 | SMALL STORE SYSTEM - System and methods of use are discloses that default routing of an ID read by an ID reader as part of a purchase transaction in a retail store, to a first computer system (MCS) instead of the POS computer system for the retail store, the first computer system processes the ID, and the POS computer system receives the results of the processing in the form of a IDs recognizable by the POS computer system and for which the POS computer system has associated costs. | 2012-12-20 |
20120323714 | Modified steam-methane-reformation: Hydrogen production with carbon sequestration - A process of and system for sequestering carbon (CO | 2012-12-20 |
20120323715 | SYSTEM AND METHOD FOR AUTOMATICALLY REGISTERING A PRODUCT - In connection with a sales transaction, product information is directly collected from the product provided with a label or tag that can be electronically scanned by, for example, optical scanning technology or radio-frequency scanning technology. The product information is electronically provided to the buyer in the form of an electronic receipt. | 2012-12-20 |
20120323716 | System for Production, Distribution and Promotion of Performance Recordings - A system for performance production, distribution and promotion is provided. The system includes a recording phase that may take place in a permanent or mobile recording studio. With the assistance of an operator, an artist creates a recording of a performance, which may include audio-video effects as desired. The recording is then transmitted to the system website where it will be sorted into an artist's member directory. Artists can sign-in to the website to publish their works on an associated member page. Published works are available for website visitors to playback and purchase. Members of the website can communicate with each other and post upcoming events and recording releases to the community and to the public. Thus the system facilitates the production, distribution and promotion of new and undiscovered artists and encourages the growth of the artist community as a whole. | 2012-12-20 |
20120323717 | METHOD AND SYSTEM FOR DETERMINING AUTHENTICATION LEVELS IN TRANSACTIONS - According to an embodiment of the present invention, a method for determining a transaction authentication level includes receiving transaction information associated with a transaction between a user and a relying party, receiving relying party preferences, and determining a relying party authentication level based on the transaction information and the relying party preferences. The method also includes accessing user preferences, and determining a user authentication level based the transaction information and the user preferences. The method further includes determining the transaction authentication level using the user authentication level and the relying party authentication level. | 2012-12-20 |
20120323718 | Method and Stored Program for Accumulating Descriptive Profile Data Along with Source Information for Use in Targeting Third-Party Advertisements - A method of accumulating descriptive profile data uses a databank that can be contacted by profile providers who contribute profile elements about an online visitor. The method includes keeping track of which profile provider contributed which elements, so that use of particular elements in targeting electronic third-party advertisements automatically can result in compensation. | 2012-12-20 |
20120323719 | METHOD AND APPARATUS FOR PERMITTING STAGE-DOOR ACCESS TO ON-LINE VENDOR INFORMATION - The present invention provides Internet users with access to an on-line vendor that has detailed product information some or all of which is supplied by at least one product supplier. Through selected storage and sharing of data, an on-line store is married to a supplier's product database. The on-line vendor is able to provide greater product information at a vastly reduced cost. The product supplier is provided with a unique company forum in which company activities such as sales training can be consolidated with advertising activities and product information to provide the most economical and up-to-date training information for the company. | 2012-12-20 |
20120323720 | MANAGING AN EXPERIENCE OF A MEMBER ORGANIZATION OF A COLLABORATIVE COMMERCE COMMUNITY THROUGH A NETWORK - Embodiments for methods, systems and apparatuses for managing a member organization experience of a collaborative commerce community through a network are disclosed. One method includes managing buyer company profiles of a plurality of buyer organizations and seller company profiles of a plurality of seller organizations, wherein the buyer company profiles and the seller company profiles are shared amongst the buyer organizations and the seller organizations associated with the network, wherein the member organization is at least one of the plurality of seller organizations or the plurality buyer organizations. The method further includes providing unified management of collaborative interactions between the plurality of seller organizations and the plurality of buyer organizations, determining an intra-organization link between users of the member organization based on the collaborative interactions of the member organization and a subset of the plurality of buyer organizations or a subset plurality of seller organizations. | 2012-12-20 |
20120323721 | Seller-Controlled Dynamic Product Auction - The present invention relates to a dynamic seller-controlled auction method, system and apparatus for selling products or services prior to, at, or after product launch, including when such product or service is otherwise in short supply. The auction allows participants to bid on a set of items during a specified time period. Participants can bid to reserve a particular item; however, if a higher bid is placed the reservation for such item will transfer to the higher bidder. | 2012-12-20 |
20120323722 | SYSTEM FOR EXCHANGING SALES LEADS - A subscriber-based sales leads exchange system for efficiently maximizing revenue to lead sellers and for providing high quality, temporally relevant sales leads to lead buyers based on a transaction between a lead seller and a customer of said lead seller. | 2012-12-20 |
20120323723 | Method and System for Dynamically Determining the Sales Price of Custom Retail Products - A method for dynamically determining the sales price of a product composed of a number of components produced from at least one workpiece of selected dimensions, including indicating the specifications of such product, determining the number and configurations of the components of such product, determining the minimum number of such workpieces required to provide the determined number of such components by efficiently nesting such components on a minimum number of such workpieces and computing the sales price of such product partially based on the determined minimum number of such workpieces required to most efficiently yield such components. | 2012-12-20 |
20120323724 | MULTI-COMPONENT FOOTBEDS - A method and apparatus for supplying a customer with a footbed. A kiosk provides measurements of a consumer's feet with a self-guided display by using both pressure measurements and scanning of the feet. The measurement information is converted to identify which of the preselected and stocked components proximate the kiosk can be combined to provide an appropriate footbed for the consumer. | 2012-12-20 |
20120323725 | SYSTEMS AND METHODS FOR SUPPLEMENTING CONTENT-BASED ATTRIBUTES WITH COLLABORATIVE RATING ATTRIBUTES FOR RECOMMENDING OR FILTERING ITEMS - Disclosed herein are systems and methods for supplementing content-based attributes with collaborative rating attributes for recommending or filtering items. Collaborative rating data may be consolidated into “composite critics” which serve as item quality rating attributes. These attributes may be used in conjunction with content-based attributes to generate user preference models. Composite critics may be formed using data clustering methods such that users with similar tastes may be grouped together. The user preference models may be induced using machine learning processes, such as decision trees, artificial neural networks, support vector machines, and/or statistical techniques. In some embodiments, composite critics may represent a small number of users or professional critics selected for having differing sensibilities and who rate most or all items according to those sensibilities. | 2012-12-20 |
20120323726 | F&I MENU SYSTEM - An F&I Menu system for the sale of a product that is financed and which includes multiple options. A display shows the base price of the product without optional items, and a with-options price. Icons representing optional items may be moved between unselected and selected areas. As the icons are moved into or out of the selected area, the with-options price is instantaneously updated, including any price changes resulting from the application of pricing components reflecting the costs of financing or leasing. | 2012-12-20 |
20120323727 | DYNAMIC PRODUCT AND SERVICE BUNDLING - Systems and methods for dynamic product bundling are described herein. For example, embodiments dynamically generate product bundle for customer within a particular segment in view of that customer's interest in a particular product. Embodiments determine customer affinity, customer commonality, and product complementarity and use this information to dynamically generate and optimize product bundles for customers interested in one or more products. | 2012-12-20 |
20120323728 | Gift Registry System for Managing Products and Services Offered by Multiple Online Stores - A method and apparatus for managing a gift registry is disclosed. A gift registry system identifies attributes for a first item and a group of definitions for the set of attributes of the first item. The gift registry system selects a definition for the first item from the group of definitions using a rule for selecting definitions. The gift registry system then identifies a second item for the gift registry using the definition selected using the rule for selecting definitions. The second item has a set of attributes that meet the definition. | 2012-12-20 |
20120323729 | CONSUMABLES INVENTORY MANAGER - An apparatus, system, and method for a consumables inventory manager. One embodiment of the method includes maintaining a consumables inventory by monitoring acquisition and consumption of a plurality of consumables. The method may also include storing a plurality of consumption options. Each consumption option may specify a use for one or more particular consumables of the plurality of consumables. The method may also include producing a plurality of current consumption options for consumption within a predetermined time period. The method may also include selecting a particular consumption option as a particular current consumption option based on a cost of consumables in the particular consumption option. | 2012-12-20 |
20120323730 | SYSTEMS AND METHODS FOR A CENTRALIZED GIFT REGISTRY WITH UPLOAD AND MERGE OF A RETAILER-SPECIFIC REGISTRY - Systems and methods for that allow for the creation and management of a centralized gift registry are described. A retailer-specific registry is imported into the centralized gift registry. A gift list is created and displayed. Gift givers may select a gift from the gift list of the centralized gift registry. In one embodiment, when a purchase of a gift occurs, the gift list is updated. Updates to gifts are sent between the centralized gift registry and the retailer-specific registries, such that the gifts common to these registries are synchronized. This synchronization may involve the use of APIs at the centralized gift registry or the retailer-specific registries. The centralized gift registry system automatically searches for all retailer-specific registries pertaining to the gift registrant. The centralized gift registry system may request a retailer's system for information on gift items of a respective retailer-specific registry. | 2012-12-20 |
20120323731 | SYSTEM FOR DETERMINING APPROPRIATENESS OF PRODUCT SCHEDULED FOR PURCHASING - Provided is a system for preventing shopping mistakes from occurring. A combination evaluation unit ( | 2012-12-20 |
20120323732 | E-Commerce Via Web Banners - Systems, apparatuses, and methods are provided for facilitating electronic commerce via a web banner. Entire purchase transactions may be provided via the web banner, where an end user purchases products sold from third parties via the web banner. Entire sale listing transactions may also be provided via the web banner, where an end user lists products for sale via the web banner. Further, users may be identified when they access third party web sites, and customized offers may be generated and communicated to the identified users. | 2012-12-20 |
20120323733 | ONLINE ACCOUNT AUTHENTICATION SERVICE - A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder. | 2012-12-20 |
20120323734 | ONLINE ACCOUNT AUTHENTICATION SERVICE - A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder. | 2012-12-20 |
20120323735 | PAYMENT SYSTEM AND CLEARINGHOUSE OF INTERNET TRANSACTIONS - Disclosed is a system and method for allowing a customer to send payment to a merchant. The method or system may comprise submitting order data from a customer computer to a merchant server. Merchant credentials and order data may be sent to a clearinghouse server. A clearinghouse token URL may be sent to the merchant server. A customer's web browser may be redirected to a clearinghouse gateway using the token URL. A financial institution token URI, may be sent to the customer computer. A customer's web browser may be redirected to a financial institution gateway using the financial institution token URL. A financial institution may be sent to the financial institution token URL. The financial institution token may be sent to the clearinghouse server to validate the financial institution token URL. A payment request may be sent to the financial institution to authorize the financial institution to authorize payment to the merchant. | 2012-12-20 |
20120323736 | ALLOCATING VIRTUAL UNIVERSE CUSTOMER SERVICE - Virtual universe customer service representatives are cloned and assigned as a function of observing customer behavior, retrieving historical data and creating a customer profile. Preferential subavatar assignment parameters are determined for a customer as a function of the customer profile, choosing a subavatar from a plurality of subavatars as a function of a correlation of a subavatar performance characteristic with the preferential subavatar assignment parameter and a store objective, and the clone is populated with the chosen subavatar. Choosing a subavatar may comprise preferentially rating subavatars and determining an appropriateness threshold as a function of the subavatar assignment parameter, the performance characteristics and the store objective. Some embodiments reset a threshold in response to time-in-queue or to repetitively observing customer behavior, retrieving customer data, determining a subavatar assignment parameter and choosing a highest-rated available subavatar meeting a revised threshold. Subavatars may comprise automated, customer service representative-controlled and jointly-controlled subavatars. | 2012-12-20 |
20120323737 | METHODS AND SYSTEMS FOR FINDING, TAGGING, RATING AND SUGGESTING CONTENT PROVIDED BY NETWORKED APPLICATION PODS - Software application providers can connect to a common platform to offer access to and use of their applications and/or content to a global community of mobile device users through a variety of different mediums. Users may be automatically charged via user billing accounts with the wireless network carrier to which the users subscribe. The application provider need not have contractual agreements with any of the wireless network carriers, as billing is automatically performed by the platform through the wireless network carriers. According to one aspect, an application pod is provided, with which a user can rate and tag content. In this way, other people who are looking for a song will be able to find songs that have been highly rated by the community. According to another aspect, a method is provided for predicatively selecting content to suggest to a user. | 2012-12-20 |
20120323738 | System and Method for Using Image Analysis and Search in E-Commerce - Embodiments described herein provide a system and method for providing merchandise items at a network site. According to an embodiment, an image of a merchandise item is obtained. The image is programmatically analyzed to determine information about the merchandise item. The information is used to generate a presentation that includes the merchandise item. | 2012-12-20 |
20120323739 | MAPPING DESCRIPTIONS - An item record in an item database contains an item description generated by a seller of an item. A server machine is configured to access the item database, analyze the item description, and extract descriptive information by inferring an attribute and a corresponding attribute value from the item description. The attribute and its attribute value constitute an attribute-value pair. The server machine uses the attribute-value pair to map the item record to a product record stored in a product database. The mapping of the item record to the product record is based on comparing the attribute-value pair of the item record to a reference attribute-value pair in the product record to identify the product record. The mapping is performed upon detection of a match between the attribute-value pairs. | 2012-12-20 |
20120323740 | MACHINE, METHODS, AND PROGRAM PRODUCT FOR ELECTRONIC ORDER ENTRY - Systems, methods, and program product for facilitating electronic ordering of goods, services, or goods and services, or other products, through messaging over a financial services electronic payment network, are provided. A customer provides electronic order registration activation information for an electronic order transaction card. The customer is provided an electronic order card having a unique electronic payment network compatible electronic order card identifier including a non-financial transaction IIN and a customer number, and is provided a catalogue or list including product order codes each associated with a different product, to enable electronic ordering over the financial services electronic payment network. An electronic order card configured to interface with a conventional point-of-sale terminal can be used to facilitate the electronic ordering over the existing financial services electronic payment network when presented to the point-of-sale terminal with a product order code identifying a selected product. | 2012-12-20 |
20120323741 | OPEN DATA MARKETPLACE FOR MUNICIPAL SERVICES - Providing an open data marketplace may include identifying one or more data attributes from a plurality of applications registered with a shared data management system; mapping said one or more data attributes to a data model to create a first set of mapped data; augmenting said first set of mapped data with additional data imported into the shared data management system from other data locations to create an augmented set of mapped data; receiving one or more of second set of mapped data from one or more shared data management system associated respectively with one or more shared data management networks; enabling of composing a data set by combining and cleansing one or more of said first set of mapped data, said second set of mapped data, and said augmented set of mapped data; and offering said composed data set in a digital marketplace with associated pricing characteristics. | 2012-12-20 |
20120323742 | Method and system for brokering services with time-dependent labor rates - Service Providers (SPs) enter on a Broker Website a profile of their services, workdays, and Daily Labor Rates (DLRs). Users access the Website, and enter services they require, and when. The Website displays the identities, profiles, and DLRs of SPs who can do the required work during the User's time window. SPs set DLRs, directly or via criteria by which the Website calculates them, including by applying a Discount for Days Out from the present day. The User selects a SP and requests a booking for a date, locking in the DLR, if accepted. Once the work is completed, the SP bills the User, and is paid, through the Broker Website. | 2012-12-20 |
20120323743 | DISTRIBUTED COMMERCE APPLICATION-WIDGET - In some example embodiments, a system and method are illustrated as including generating an item page that includes widget code and details related to an item for sale. Some example embodiments may include making the widget code available for retrieval from the item page. | 2012-12-20 |
20120323744 | MANAGING AN INVENTORY OF SERVICE PARTS - An inventory of service parts may be managed by assessing a company's capability, optimizing the inventory and implementing a management program based on the assessment and optimization. Optimizing target stock levels for the inventory of parts may be accomplished by calculating an inventory baseline for understanding information about the currently held inventory; developing a service strategy for a set of segments; quantifying a service level for each of the segments; analyzing the segments and their service levels for identifying at least one logistically distinct business; assigning each of the segments to a “best-fit” planning model for indicating each segment's deployment, replenishment, forecasting and review characteristics; identifying a probability distribution function for estimating a demand process of each of the segments; and calculating a target stock level for each segment. | 2012-12-20 |
20120323745 | METHOD AND SYSTEM THAT MONITORS SUPPLY OF PHYSICAL CONSUMABLES RELATIVE TO CONSUMPTION SPECIFICATIONS - A method and system for monitoring supply of physical consumables for one or more vehicles receives at an input port supply data associated with a corresponding one of the one or more vehicles. The supply data is originated at a supply device that supplies the physical consumables. Consumption specification data associated with the one or more vehicles are retrieved from a storage device. The consumption specification data is specified by at least one of a vehicle manufacturer or an authority, e.g. a commercial, governmental or military authority. The method and system provides the supply data to a processing unit over a physical transmission medium to determine a variance relative to the consumption specification data. | 2012-12-20 |
20120323746 | SYSTEM AND METHOD FOR FILLING AN ORDER - A method for fulfilling inventory requests includes receiving an inventory request requesting an inventory item and selecting the requested inventory item from an inventory holder. The method further includes storing the requested inventory item in an order holder associated with the inventory request and moving the order holder to a storage space. In addition, the method includes detecting a triggering event and in response to detecting the triggering event, retrieving the order holder from the storage space. | 2012-12-20 |
20120323747 | AUTOMATED CASH RECONCILIATION AND REPORTING SYSTEM AND METHOD - A system for reconciling financial data is configured to retrieve first and second financial data from respective data sources. The first and second financial data each contains one or more respective records, each containing a respective name, date, and monetary amount. The system attempts to match one of the first records with one of the second records, initially based on general equivalence of the names, dates, and the first and second monetary amounts. If any of the records remain unmatched, the system is configured to attempt to match two or more of the second records with one of the first records, utilizing the sum of the second monetary amounts, and attempt to match two or more of the first records with one of the second records based on the sum of the first monetary amounts. | 2012-12-20 |
20120323748 | METHOD AND SYSTEM FOR TRACKING COMPLIANCE OF LICENSEE ACTIVITY WITH LICENSES - Information relating to intellectual property, across one or more intellectual property applications having various types of intellectual property data, can be provided and/or accessed in an integrated manner. Commonality(ies) are determined between disparate intellectual property applications, that may be applied by the intellectual property applications in accessing the intellectual property information. Responsive to a user request, which may include a specified commonality, stored information regarding the disparate data corresponding to the disparate intellectual property applications is retrieved. The commonality is utilized in bridging the gap to the intellectual property data for the disparate intellectual property applications. The bridging is provided by use of a commonality and by an IP engine. | 2012-12-20 |
20120323749 | SYSTEM AND METHOD FOR DATA PRIVACY AND CATEGORIZATION OF SALES AND USE TAX DATA - A system may include a computing system comprising processing device, an input device, an output device, a storage device, and a network device. A computer program may configure the at least one computing system to receive, via the network device, sales and use tax data, store, on the storage device, the received sales and use tax data, extract an interstate sales entry from the stored sales and use tax data, analyze, using the processing device, the interstate sales entry to determine a jurisdiction associated with the interstate sales entry, privatize a SKU in the interstate sales entry, and store a transaction record in a database on the storage device, the transaction record including the determined jurisdiction and the privatized SKU. | 2012-12-20 |
20120323750 | DATA CUSTODIAN AND CURATION SYSTEM - A data custodian and curation system may store data from a data supplier in encrypted form and may allow users to consume the data when the consumers obtain access to the data through an agreement. The curation system may manage access to the data, even allowing a consumer to use the data as if it were their own, but may track each usage of the data to implement a payment scheme or various usage restrictions. The curation system may encrypt downstream uses of the data and operate as a digital rights management system for the data. The custodian and curation system may operate as a cloud service that may contain encrypted data from many data providers but where the data providers may individually control access to their data in a managed system at any granular level. | 2012-12-20 |
20120323751 | METHOD FOR AGGREGATING AND VALUING INTELLECTUAL PROPERTY IN AN EXCHANGE - The present invention relates to methods of aggregating and valuing intellectual property in a financial exchange. The present invention provides means whereby holders of intellectual property rights may sell, or license intellectual property to an aggregator and receive shares of stock or cash for the contribution based on the aggregated value of the intellectual property held by the aggregator. | 2012-12-20 |
20120323752 | RISK ASSESSMENT - A clearing system comprising: a database for storing a plurality of accounts; and a risk manager for carrying out a risk assessment for a group of accounts comprising one or more accounts of said plurality of accounts; said risk manager being configured to update a risk assessment for a group of accounts each time the clearing system receives information about a new event affecting at least one account of said group of accounts. The event may be a new trade. The trade may be reported to the clearing system as soon as it has been settled. | 2012-12-20 |
20120323753 | CLEARING SYSTEM - A clearing system for clearing transactions associated with a plurality of accounts, the clearing system being configured to organise the plurality of accounts in at least three independent structures comprising a member structure, a user access structure and a risk calculation structure. The clearing system may further be configured to organise a plurality of members clearing through the clearing system and a plurality of users using the clearing system in a tree structure independent from said three independent structures. | 2012-12-20 |
20120323754 | APPARATUS AND METHODS FOR USE IN THE SALE AND PURCHASE OF ENERGY - A computing device for use with a power system is provided. The computing device includes a communication interface that is configured to receive energy data from at least one utility, wherein the energy data includes at least one of at least one quantity of energy and at least one energy price. A processor is coupled to the communication interface and programmed to generate at least one offer to purchase energy based on the energy data. A user interface is coupled to the processor and configured to enable at least one operator of at least one energy source to sell energy to the utility by responding to the offer to purchase energy. | 2012-12-20 |
20120323755 | SYSTEM AND METHOD FOR CREATING AND TRADING A DERIVATIVE INVESTMENT INSTRUMENT OVER A RANGE OF INDEX VALUES - An investment instrument based on a range of index values is disclosed that allows investors to take risk positions relative to the size, or length, of the range. The investment instrument has a monetary value that increases as the index value increases within a low range interval of the range, decreases as the index value increases within a high range interval of the range, and is fixed or capped if the index value falls within a middle range interval of the range. Typically, one settlement amount will be zero and the other will be an amount greater than the investment instrument price. | 2012-12-20 |
20120323756 | ELECTRONIC COMPLETION OF CASH VERSUS FUTURES BASIS TRADES - An electronic trading system is described herein. More specifically, the electronic trading system may relate to the substantially simultaneous trading of cash instruments and their related futures contracts for interest-rate related instruments. The electronic trading system may also be used to allow a user (such as a market maker or other suitable participant) to gauge his chance of success at completing both sides of a basis trade within a preferably pre-determined or pre-set interval, while knowing in advance the specific weighting algorithm that will be applied to the basis trade. The electronic trading system may also be used to allow a user to predetermine the exact weighting algorithm to be used on such a basis trade, and to adjust those preferences where necessary or desired. | 2012-12-20 |
20120323757 | System and Method for Trading Order Priority Levels in an Electronic Trading Environment - A system and method for trading order priority levels in an electronic trading environment are described. In one embodiment, a trader who is willing to have his order moved from a high priority level to a lower priority level in an order queue may advertise his willingness to do so, and other traders can place bids for the high priority level. In such an embodiment, for example, a bidder who places the highest bid or whose bid is received first may get the high priority level in the order queue in exchange for the paid fee. | 2012-12-20 |
20120323758 | METHOD FOR AGGREGATING INTELLECTUAL PROPERTY AND SERVICES IN AN EXCHANGE - The present invention relates to methods of aggregating and valuing intellectual property in a financial exchange. The present invention provides means whereby holders of intellectual property rights may sell, or license intellectual property to an aggregator and receive shares of stock or cash for the contribution based on the aggregated value of the intellectual property held by the aggregator. | 2012-12-20 |
20120323759 | Money Market Trading Platform - A money market trading platform provides institutional investors with comprehensive on-line analysis, account management, and on-line money market trading capabilities. An institutional investor's computer is connected via a communication network to a bank or broker's computer. The bank or broker's computer is connected via a communication network to a money market trading system or to a financial services, and stores information about the institutional investor and the accounts held in that investor's name. The trading platform allows institutional investors to log on, check account balances, transfer funds within accounts and from outside accounts, research money market investments, and purchase, redeem and exchange shares of money market funds. | 2012-12-20 |
20120323760 | DYNAMIC LOAN SERVICE MONITORING SYSTEM AND METHOD - The disclosure describes a method and system monitoring a set of loans and identifying loans in the set that that are likely to default before an upcoming date. The system uses a set of data about loans that are in a default status and loans that are in a non-default status to train a set of loan models. The loan models include at least one model for a defaulted loan and at least one model for a non-defaulted loan. After the loan models are created, the system monitors active loans and classifies each active loan in accordance with one of the loan models. Based on the loan model to which the active loan is classified, the processor will determine a probability of default over a prospective time period for the active loan and issue an alert when a loan's probability of default exceeds a threshold. | 2012-12-20 |
20120323761 | System and Method for Implementing a Consolidated Application Process - A system and method for dynamically creating and presenting a network based application for any number of a plurality of products. The method and system upon receiving a request to apply for one or more of a plurality of products, dynamically creates an application pages that includes fields to input the specific information required to apply for the selected products. The application page is provided to the applicant through the network and the application data is received by the system. The method and system causes the application data to be processed and provides the results to the applicant. The applicant is provided the results of multiple specific applications in with minimal data input and in real time. | 2012-12-20 |
20120323762 | System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer - A system and method of processing balance inquiries and electronic funds transfers (EFTs) using multi-factor authentication. The method may include receiving an identifier of a financial account and contact information associated with the financial account and initiating a communication via the contact information. Upon receiving an authentication via the communication, the method may include processing a balance inquiry and/or EFT of the financial account based on the identifier and the authentication. The method may include determining a balance of the financial account based on the balance inquiry and/or causing funds to be electronically transferred. The system and method may also facilitate a balance inquiry from a mobile device to an EFT provider. | 2012-12-20 |
20120323763 | Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication. | 2012-12-20 |
20120323764 | FACILITATION OF PAYMENTS BETWEEN COUNTERPARTIES BY A CENTRAL COUNTERPARTY - A system for moving money between accounts of traders by a central counterparty to facilitate payments, i.e. the movement of funds, there between is disclosed which provides a flexible mechanism which supports simpler accounting, new types of derivatives contracts as well new types fees. The disclosed futures contract, referred to as a “payer” contract, comprises a “no-uncertainty” futures contract, i.e. the initial value and settlement value parameters are defined, that leverages the mechanisms of the clearing system to, for example, accommodate related payments. Accordingly, a 1-to-many relationship between contracts and prices is provided whereby each price component may be assigned its own payer contract. The function of the payer contract may be to guarantee the movement of money from related positions. In one embodiment, payer contracts are dynamically created whenever a payment is needed. | 2012-12-20 |
20120323765 | GIFT CARD TO CREDIT CARD TRANSFERENCE - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for credit card and credit card like transaction enablers. In one aspect, a method includes receiving a credit card account associated with one or more gift card accounts, each respective gift card account associated with a respective balance; receiving notice of a transaction using the credit card account; determining whether a respective gift card account qualifies for use in the transaction; in response to determining that a respective gift card account qualifies for use in the transaction, determining whether to apply the respective balance to the transaction; in response to determining to apply the respective balance to the transaction, applying the respective balance to the transaction. | 2012-12-20 |
20120323766 | METHOD FOR RECYCLING SCRAP - The present disclosure describes a method for the recycling of scrap that includes using a computer device with internet access to input data to a website of a recycling center. The input to the website includes data on the scrap, an originator of the scrap, container for the scrap and location of the scrap. The website limits the recycling of scrap to select types of scrap. The website uses the input data to calculate a potential value of the scrap. If the potential value of the scrap is acceptable, the website directs a commercial carrier to prepare a shipping label. The shipping label can be printed by the originator, attached to the scrap packaged in the container and transported by the commercial carrier from the location of the scrap to the location of the recycling center. The recycling center performs an actual valuation of the scrap upon receipt of the scrap and performs calculations as to the actual value of the scrap relative to the shipping costs to determine the payment to the originator and benefit to the recycling center. | 2012-12-20 |
20120323767 | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters. | 2012-12-20 |
20120323768 | SMS BENEFICIARY ADVISING - Apparatus and methods for communicating a notification of a status of a payment are provided. The payment may be an electronic payment. The apparatus and methods may involve receiving an electronic request from a payor to transmit a payment to a payee. The status of a payment may include steps that have been completed, have not been completed, and/or are currently in progress in a process of fulfilling the payor's request. Status may include an estimate of time remaining until the fulfillment process is completed. The electronic request may include a notification preference. A notification preference may include a destination for receiving the notification. A method of communicating a notification may include any suitable paper or electronic communication method. The notification may be automatically stored in a database for future reference. | 2012-12-20 |
20120323769 | Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication. | 2012-12-20 |
20120323770 | Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication. | 2012-12-20 |
20120323771 | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters. | 2012-12-20 |
20120323772 | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters. | 2012-12-20 |
20120323773 | BIOMETRIC RISK MANAGEMENT - The present invention provides methods and systems for managing Risk by associating a biometric profile with other data relevant to a Risk subject. Computerized systems can receive informational data that relates generally to Risk variables and relate the information to known biometric profiles. Compiled information can be situated and conveyed to a compliance department and be able to demonstrate to regulators that a financial institution has met standards relating to Risk containment. | 2012-12-20 |
20120323774 | POINT OF SALE (POS) SYSTEMS AND METHODS FOR MAKING TAX PAYMENTS - A standalone device, systems, and methods of using them that are dedicated for making tax payments directly to a government authority without being coupled with electronic filing of tax returns or other filing or processing documents. | 2012-12-20 |
20120323775 | ENHANCED SEARCHABILITY OF FIELDS ASSOCIATED WITH ONLINE BILLPAY MEMO DATA - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. The field(s) associated with the attachment may be searchable. Such fields may be searchable by a characteristic of the attachment. Characteristics may include content of the attachment of an electronic format of the attachment. | 2012-12-20 |
20120323776 | System and Method to Display Media Content and an Interactive Display - A method includes displaying a second user interface while a subscriber is interacting with a first user interface during playback of at least a portion of a first content segment. The second user interface includes one or more selectable transition options associated with performing a transition with respect to a second content segment. The first user interface includes one or more selectable options associated with the first content segment. The method includes receiving input indicating a selection of a particular transition option of the one or more transition options via the second user interface. | 2012-12-20 |
20120323777 | BUSINESS TO BUSINESS MOBILE VAULT - Embodiments extend to methods, systems, and computer program products for a business to business mobile vault. Embodiments allow retailers to pay distributors electronically through the use of a mobile device such as a mobile phone. Electronic payment through a mobile phone is more efficient than a currency transaction and reduces the amount of currency that delivery and distributor personnel handle. Further, mobile phone communication is available in many geographic locations, and in some geographic locations is the only form of communication available. Thus, electronic payment through a mobile phone can often be used even when other computer systems and specialized equipment such as point of sale terminals are not available or are not used, and when other types of data connections are not available. | 2012-12-20 |
20120323778 | PREPAID TRANSACTION CARD ACTIVATION SYSTEM AND METHOD - Reloadable or non-reloadable prepaid transaction card activation systems are disclosed. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards and capture of customer demographic information, and verification of that information, after the customer has obtained or has been issued a prepaid transaction card. The data capture is performed at activation rather than at point of sale. | 2012-12-20 |
20120323779 | STORED-VALUE CARD MANAGEMENT METHOD AND SYSTEM - A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system. | 2012-12-20 |
20120323780 | MULTI-PURPOSE PAYMENT CARD AND METHOD OF USING SAME - A multi-purpose payment card has indicia on at least one side that provides membership information for a merchant and a magnetic strip on one surface. The multi-purpose card is issued by the merchant to a card carrier and information is provided on how to activate the payment function of the card. To activate the payment function the card carrier contacts a service provider and authorizes activation. The service provider issues a pin number to the card carrier and collects funds from the card carrier's bank account. The service provider provides an incentive to use the card by making a designated charitable donation for each transaction. | 2012-12-20 |
20120323781 | COMMUNICATION SYSTEM, SETTLEMENT MANAGEMENT APPARATUS AND METHOD, PORTABLE INFORMATION TERMINAL AND INFORMATION PROCESSING METHOD, AND PROGRAM - The present invention provides a communication system that enables safe and easy addition of a function for use of credit card settlement services to a portable information terminal. In this system, if a user brings his credit card close to the portable information terminal, the portable information terminal reads a card ID stored in a contactless IC card provided in the credit card. Then, the card ID is transmitted to a card management system which checks whether or not the card ID is valid. If confirming that the card ID is valid, the card management system instructs the portable information terminal to write the card ID thereto. If the user places an order of a merchandize, the card ID written to the portable information terminal is provided therefrom to use credit card settlement services. | 2012-12-20 |
20120323782 | System and Method for Remote Deposit System - Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the checks as a function of the facsimile data, gathering check data from each of the digitized images, and processing the check data according to a check processing procedure to settle transactions referenced by each of the checks. | 2012-12-20 |
20120323783 | Method and System for Customizing Fraud Detection - A user interface is used to customize fraud rules. In the interface, the user sets a customized threshold trigger and a customized limit trigger for a fraud rule set. The fraud rule set is applied to an action. Triggering the threshold trigger by the action causes a threshold trigger report to be generated and allows the action. Triggering the limit trigger by the action denies the action. | 2012-12-20 |
20120323784 | DYNAMIC PAYMENT GENERATOR - Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee financial institution without prior knowledge regarding unique and specific information required by the transferor or transferee institution. In some embodiments, apparatus and methods may detect information entered by the customer and dynamically prompt the customer for additional information required by the transferor or transferee institution. Apparatus and methods may pre-fill fields on a form displayed to the customer with information required by the transferor or transferee institution. | 2012-12-20 |
20120323785 | METHOD OF USING PAPER CHECKS THAT ARE TIED TO PREPAID DEBIT CARD AND CASHED ONLY BY DESIGNATED ENTITIES - A method is provided of using paper checks to debit funds maintained in a debit card bank account that is associated with a person. A plurality of unique serial numbers are assigned by the debit card issuer to be pre-printed on paper checks that are associated with the debit card bank account number. The unique serial numbers have no relationship to any personally identifiable information associated with the person. When a filled in paper check is presented for cashing, the unique serial number is checked against the originally assigned serial numbers to verify that the paper check is genuine. Identification information of the person is also verified, and the account balance of the debit card bank account is also verified to make sure that there are sufficient funds in the bank account to cover the check amount. | 2012-12-20 |
20120323786 | METHOD AND SYSTEM FOR DELAYED AUTHORIZATION OF ONLINE TRANSACTIONS - According to an embodiment of the present invention, a method of authorizing a transaction includes providing a processor, receiving a request for a proposed transaction from an entity, and retrieving a list of devices associated with the entity. The method also includes transmitting a notification related to the proposed transaction to the devices associated with the entity. The method further includes determining, using the processor, (a) that an approval is received from all the devices associated with the entity, or (b) that a predetermined time period has expired, and (c) transmitting an approval of the proposed transaction to a transaction processor. Or, determining, using the processor, (a) that a rejection is received from one or more of the devices associated with the entity; and (b) transmitting a disapproval of the proposed transaction to the transaction processor. | 2012-12-20 |
20120323787 | SYSTEMS AND METHODS FOR FIXED FORM CARD TO VIRTUAL CARD COMMUNICATION - System and methods for converting a fixed form card to a virtual card are disclosed herein. The system includes a virtual card manager and a user computing device communicatively coupled via a network. The virtual card manager may be configured to convert a fixed form card to a virtual card, and the user computing device may be configured to initiate a virtual card conversion request via a virtual card engine stored in mass storage and executable by a processor. As such, a stored value of the fixed form card may be transferred to the virtual card in a secure manner. | 2012-12-20 |
20120323788 | DYNAMIC PIN PAD FOR CREDIT/DEBIT/OTHER ELECTRONIC TRANSACTIONS - A method for authenticating debit card transactions engaged in by a cardholder on a communications network includes: establishing a network connection with a client being used by the cardholder to engage in a transaction; providing to the client a web page containing a keypad ( | 2012-12-20 |
20120323789 | MANAGING RECURRING PAYMENTS FROM MOBILE TERMINALS - Equipments and methods are disclosed for facilitating service provisioning in a system that comprises a payment processor, a number of service providers and a mediator that mediates information exchange between the payment processor and service providers, and a mobile terminal operated by payment card holder. In some implementations, service provisioning can be facilitated in cases wherein the payment processor must reside in a strictly regulated Payment Card Industry (PCI) compliant environment and the service providers operate servers that are not PCI-compliant. | 2012-12-20 |
20120323790 | METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed. Responsive to the send initiation instruction, the method verifies the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiates a send transaction according to the at least one send transaction specification. | 2012-12-20 |
20120323791 | METHODS AND SYSTEMS FOR VERIFYING TRANSACTIONS - An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money ( | 2012-12-20 |
20120323792 | MULTI PLATFORM AND OPERATING SYSTEM DIGITAL CONTENT VENDING, DELIVERY, AND MAINTENANCE SYSTEM - A system to market digital content to a user on an electronics device. A storage media is installed in the device that contains an inventory of assets that are the digital content. Each asset is protected from unauthorized use by a digital wrapper. A logic in the device displays information about the inventory to the user, accepts their selection of a particular asset, transmits a payment for the selection and an identifier associated with it to a clearing house, receives a first key from the clearing house, transmit the first key to a master server, receives a second key from the master server, and unwraps the digital wrapper protecting the asset with the second key. | 2012-12-20 |
20120323793 | PROVIDING VALID RESPONSES TO REQUESTS FOR QUOTATIONS - Systems and methods for providing valid responses to requests for quotations are provided. In one embodiment of the invention, a system according to the invention preferably includes a server. The server includes a server storage device and a server processor connected to the server storage device. The server storage device preferably stores a server program for controlling the server processor. The server processor is preferably operative to receive a request from a requesting participant for a market-validated offer to sell an item; receive an offer price from a responding participant in response to the request; and provide a bid to an electronic marketplace, the bid including a price that is lower than the received offer price. | 2012-12-20 |
20120323794 | MONETIZATION STRATEGIES IN PRIVACY-CONSCIOUS PERSONALIZATION - Personalization is enabled in a privacy-conscious manner. User interest information can be determined as a function of user behavior with respect interaction with content, for example. Distribution of user information can be managed as function of user permission and one or more offers to acquire the information from parties such as electronic merchants, data aggregators, or ad networks, among others. | 2012-12-20 |
20120323795 | ONLINE MARKETPLACE WITH DYNAMIC PRICING - Systems and methods for dynamic pricing in real-time marketplace transactions are provided. A method may include receiving a request from a bid agent associated with a location-aware user device, and an offer for goods/services from an offer agent that is associated with a merchant device. The offer may include an inventory and one or more locations of the goods/services. The method includes determining a location of the location-aware user device, and determining whether the inventory and the one or more locations of the goods/services are sufficient to satisfy the request. If so, then the method includes establishing a real-time dynamic marketplace session between the offer agent and the bid agent to facilitate a negotiation for the goods/services. Upon receiving an acceptance from the offer agent for a bid from the bid agent, the method includes processing a purchase transaction for the goods/services. | 2012-12-20 |
20120323796 | METHODS AND SYSTEMS FOR RECORDING VERIFIABLE DOCUMENTATION - Systems and methods for collecting information, verifying authenticity of such information, processing, maintaining, and managing such information are described. The system can be a standalone unit or can comprise a combination of various units configured to function together. | 2012-12-20 |
20120323797 | SYSTEM FOR BACK TRACING A COMPONENT USED IN MANUFACTURE - A system and method for back tracing a component used in manufacture is described. | 2012-12-20 |
20120323798 | VALUATION OF PROPERTIES BORDERING SPECIFIED GEOGRAPHIC FEATURES - Modeling comparable properties and rendering map images with automatic valuation of properties bordering specified geographic features. A valuation model identifies and accounts for the proximity of properties to geographic features. For example, estimating property value includes accessing property data corresponding to a geographic area and performing a regression based upon the property data. The regression models the relationship between price and explanatory variables, with the explanatory variables including proximity to geographic features. Proximity may be a categorical variable wherein properties bordering the geographic feature are determined to possess the proximity characteristic. Alternative explanatory variables may incorporate different degrees of proximity. | 2012-12-20 |
20120323800 | Method and System for Analyzing Copyright Information in a Mixed Long-Format Audio File - A computer-implemented system for analyzing copyright right ownership of a media content containing one or more copyrighted works, comprising the steps of: receiving, by a controller having a CPU, a media content from a first user via a wide area network, the media content comprising a mix of copyrighted works; parsing the media content into a format recognizable by a fingerprinting analytical algorithm; determining by the controller using the fingerprinting analytical algorithm copyright ownership information in the received media content; monitoring by the controller a playing of a select length of the media content from the content storage device by a second user; and reporting to a system operated by a copyright licensing entity by the controller the copyright ownership information associated with the select length of the media content played by the second user. | 2012-12-20 |