01st week of 2012 patent applcation highlights part 51 |
Patent application number | Title | Published |
20120005007 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005008 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005009 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005010 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005011 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005012 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005013 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005014 | SYSTEM FOR TARGETING ADVERTISING CONTENT TO A PLURALITY OF MOBILE COMMUNICATION FACILITIES - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2012-01-05 |
20120005015 | METHOD AND APPARATUS FOR MANAGING CONTENT OBTAINED BY COMBINING WORKS AND ADVERTISEMENTS WITH PUBLIC LICENSE - Provided is a method and apparatus for managing content obtained by combining works and advertisements using a public license. A server computer performs the registration of copyright holder computers and advertiser computers which are connected thereto, the registration of copyright holders and advertisers, and public license agreement, registers the works and advertisement data of the copyright holders and the advertisers in a database, and registers content, which is a combination of the registered work and advertisement, in the database. Then, the server computer performs public license agreement and the copy and distribution of the content, which is the combination of the work and the advertisement registered in the database, classifies information of the exposure or click of the advertisements when the general users access the distributor computer or the server computer storing the content, which is the combination of the work and the advertisement, and use the content, according to an exposure site, each work, and each advertisement, and stores the classified information in the database. The server computer receives advertising costs from each advertiser on the basis of the count information, gives advertising revenue to each copyright holder and each distributor on the basis of the degree of contribution of the copyright holder and the distributor, generates exposure information and calculation information of the works and the advertisements for each of the copyright holder, the advertiser, and the distributor, and provides the generated information. Therefore, the invention performs copyright protection according to public license agreement and monitoring for the use of works, actively opens copyright to reconstruct Web information and improve quality, and provides a new advertisement tool at a low cost and with high efficiency using content, which is a combination of works and advertisements distributed through the entire Web without any restriction. | 2012-01-05 |
20120005016 | Methods and System for Providing and Analyzing Local Targeted Advertising Campaigns - The present invention relates to methods and a system for providing a local targeted advertising campaign with regard to at least one predefined physical site, one of said method comprising: (a) providing a semantic network having a plurality of segmentation paths, wherein each segmentation path is related to a predefined physical site and includes at least two interconnected nodes; (b) providing at least one metrics to a node from said at least two nodes; (c) inheriting said at least one metrics from said node to a higher-level node from among said at least two interconnected nodes; and (d) providing a local targeted advertising campaign with regard to at least one predefined physical site based on said inheriting of said at least one metrics. | 2012-01-05 |
20120005017 | METHOD AND SYSTEM FOR PROVIDING ADVERTISEMENTS - An example of a method includes receiving an input. The input includes at least one of a network bandwidth associated with an electronic device, a memory bandwidth associated with the electronic device, and a central processing unit (CPU) bandwidth associated with the electronic device. The method also includes determining, electronically, one or more advertisements based on at least one of the network bandwidth, the memory bandwidth, and the CPU bandwidth. In addition, the method includes providing, electronically, the one or more advertisements. | 2012-01-05 |
20120005018 | Large-Scale User Modeling Experiments Using Real-Time Traffic - A computer-implemented method for matching a display advertisement to a user within a large-scale, non-destructive user modeling and experimentation environment using real-time traffic. The method commences by populating a user profile object (containing demographics, history, and behaviors of the user) for use during concurrent operation of a production platform and an experimentation platform. To implement non-destructive testing, the method continues by cloning a portion of the real-time traffic for use by the experimentation platform while concurrently delivering the real-time traffic to the production platform. The production platform and the experimentation platform operate concurrently, scoring matches between the user profile objects and a plurality of display advertisements for selecting among the best-scored advertisements. At the conclusion of the experiment, a new user profile object is constructed by selecting a first portion of the experimentation user profile object for use during continued operation of the production platform. Any undesired data is discarded. | 2012-01-05 |
20120005019 | Systems and Methods to Optimize Media Presentations - In one aspect, a computing apparatus is configured to profile the spending distribution of users who have made purchases from a merchant and who have paid for the purchases via a transaction handler (e.g., using credit cards, debit cards, prepaid cards). The spending distribution is determined based on transaction data of the users, where the transaction data records the transactions of the users for purchases from various merchants. The spending distribution is profiled to indicate the preference of the customers of the merchant as a whole and thus can be used to customize the ratio of media content provided to the customers of the merchant, such as the presentation ratio of advertisements from different merchants, or from merchants of different categories. | 2012-01-05 |
20120005020 | PRESENTATION OF SPONSORED CONTENT ON MOBILE DEVICE BASED ON TRANSACTION EVENT - A system and method for positioning targeted sponsored content on a mobile communication facility, comprising (a) receiving data corresponding to a transaction event having occurred via the interaction of a user with the mobile communication facility, wherein the transaction event occurred via a short range wireless communication, wherein the transaction event includes transmission of data representative of a first product or a first service being purchased by the user; (b) selecting advertising content based at least upon a relevance between an advertisement for a second product or a second service and the purchased first product or first service in the transaction event, wherein the relevance is further based on information relating to compatibility of the advertising content, second product, or second service with the mobile communication facility; and (c) transmitting the selected advertising content to the mobile communication facility for display thereon. | 2012-01-05 |
20120005021 | SELECTING ADVERTISEMENTS USING USER SEARCH HISTORY SEGMENTATION - Techniques are described herein for selecting an advertisement using user search history segmentation. Instances of queries that are provided by a user are referred to collectively as the search history of the user. The search history is segmented into sessions that correspond to respective tasks of the user. Each of the sessions includes a respective subset of the query instances that are included in the user's search history. A weight is assigned to each session based on attribute(s) of the respective session. A session that includes a first subset of the query instances is selected based on the weight that is assigned to that session. Features are extracted from query instances that are included in the first subset. Weights are assigned to the extracted features based on attribute(s) of the first subset. An advertisement is selected to be provided to the user based on the extracted features and corresponding weights. | 2012-01-05 |
20120005022 | METHOD, SYSTEM, AND COMPUTER-READABLE RECORDING MEDIUM FOR FLEXIBLY PARTITIONING AND PROVIDING KEYWORD ADVERTISEMENT AREA - Disclosed herein are a method, a system, and a computer-readable recording medium for flexibly partitioning and providing a keyword advertisement area. The method for providing a keyword advertisement includes: receiving at least one bidding information for the keyword advertisement from at least one advertiser device; creating a combined advertisement slot by combining at least some of a plurality of advertisement slots of a keyword advertisement area based on the at least one bidding information; and providing at least one keyword advertisement using the combined advertisement slot and/or advertisement slots that are not combined among the plurality of advertisement slots. | 2012-01-05 |
20120005023 | Methods and System for Providing Local Targeted Information to Mobile Devices of Consumers - The present invention relates to methods and a system for providing at least one personal recommendation to a mobile device of a consumer, with regard to a predefined physical site, one of said method comprising: (a) providing a semantic network having a plurality of segmentation paths; (b) determining at least one segmentation path, within said plurality of segmentation paths, according to at least one predefined parameter, thereby giving rise to at least one relevant segmentation path, wherein each segmentation path is related to a predefined physical site and includes at least two interconnected nodes; (c) determining at least one personal recommendation according to said at least one relevant segmentation path; and (d) providing the at least one personal recommendation to a mobile device of the consumer. | 2012-01-05 |
20120005024 | METHODS FOR SELECTING AND DISPLAYING ADVERTISING LINKS - A method for selecting one or more advertising links for incorporation into a web page of an affiliate website stored on an affiliate web server when the affiliate web server receives a request message from a browser of a computing device that requests the web page. In one implementation a control application running on an affiliate webserver facilitates the reception of the one or more advertising links and first information related to the one or more advertising links from one or more intermediary servers, the first information received from each of the one or more intermediary servers includes target geographic data for each of the advertising links and compensation information of each of the one or more intermediary servers payable to the content website upon the one or more advertising links being activated by the computing device. In one implementation the control application stores the one or more advertising links and the first information in a database and determines the geographic location of the computing device. In one implementation the control application then selects from among the one or more advertising links stored in the database one or more of the advertising links to be displayed on the web page, the one or more selected advertising links to be displayed on the web page being selected by a comparison of the target geographic data of the advertising links with the geographic location of the computing device and a comparison of the compensation information associated with each of the one or more advertising links. In one implementation, upon the control application inserting the selected one or more links into the web page it causes the web server to transmit to the browser of the computing device the web page together with the selected one or more links. | 2012-01-05 |
20120005025 | METHODOLOGIES AND SYSTEMS FOR ENHANCED CONTACT DIRECTORY-RELATED FUNCTIONALITY - An enhanced contact directory application and associated enhanced contact directory for provisioning in a mobile device that enables the mobile device user to have access to information identifying the cost or likely cost of communicating with listed contacts via the mobile device prior to initiating communication with the contacts. | 2012-01-05 |
20120005026 | METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR UTILIZING A CONSUMER OPT-IN MANAGEMENT SYSTEM - Methods, systems, and computer readable media for utilizing a consumer opt-in management system are disclosed. According to one aspect, the method includes interfacing a near field communication (NFC) enabled mobile device with a touch point associated with an electronic marketing program to obtain touch point identification information from the touch point and receiving, at a trigger management server (TMS), an opt-in request message from the NFC enabled mobile device, wherein the opt-in request message includes a subscriber identifier associated with the NFC enabled mobile device and the touch point identification information. The method further includes accessing a business rules database using at least one of the subscriber identifier and the touch point identification information from the opt-in request message to identify an electronic marketing program identifier and using the electronic marketing program identifier to trigger the provisioning of content data associated with the electronic marketing program to the NFC enabled mobile device. | 2012-01-05 |
20120005027 | Image Content and Advertisement Data Providing Method, System, and Apparatus - To provide an image content providing method capable of promoting advertisement effect by dynamically inserting an advertisement image to a distributed image content, an image content reproducing apparatus requests an image content providing apparatus to distribute the image content. Then, the image content is distributed to the image content reproducing apparatus and a viewer can utilize the image content. At this occasion, the image content providing apparatus distributes the image content, detects an advertisement inserting position and requests an advertisement image providing apparatus to distribute an advertisement image. Then, the advertisement image providing apparatus selects the advertisement image to be inserted to the image content and transmits thereof to the image content providing apparatus. Thereafter, the image content providing apparatus inserts the advertisement image to a position of the image content for inserting the advertisement and distributes thereof to the image content reproducing apparatus. | 2012-01-05 |
20120005028 | AD AUCTION OPTIMIZATION - The present disclosure generally relates to ad auction optimization. In some examples, methods, systems, and computer programs for ad auction optimization using machine learning algorithms to estimate a likelihood that a consumer will purchase an advertised product and balance long term and short term goals to determine modeled data for a keyword in an auction are described. | 2012-01-05 |
20120005029 | SYSTEM FOR HANDLING MULTIPLE PRIORITIES IN AD EXCHANGE AUCTION - A method for handling priorities in an ad exchange auction includes: constructing an exchange graph including nodes representing publishers and advertisers and directed edges that represent bilateral business agreements connecting the nodes; receiving an opportunity for displaying an ad to a user from a publisher; receiving ads from which to choose to fill the opportunity, the ads including respective advertiser priorities (A) and bid amounts; receiving a publisher priority (P) the ads as assigned by the publisher; constructing a priority triple (P,A,M) for each of at least some of the plurality of ads, the triple including the publisher priority (P), the advertiser priority (A), and a money payable to the publisher (M); comparing the P, the A, and the M of respective priority triples for the ads according to at least one scoping rule and at least one precedence rule, to determine the ad with which to fill the opportunity; and delivering the ad determined to have the highest priority to a web page of the publisher. | 2012-01-05 |
20120005030 | Apparatus for connecting Protect Anything Human Key identification mechanism to objects, content, and virtual currency for identification, tracking, delivery, advertising and marketing - The current invention presented here is an apparatus for securely managing objects, content, and virtual currency for identification, tracking, delivery, advertising and marketing with a Protect Anything Human Key attached for ability to sell, buy, and enable transactions of properties, in a 2D or 3D virtual world. | 2012-01-05 |
20120005031 | REAL-TIME SYSTEM AND METHOD FOR TRACKING, LOCATING AND RECHARGING ELECTRIC VEHICLES IN TRANSIT - The present invention provides computer-controlled electric battery charging systems and methods for charging a battery of a roaming electric vehicle, the system comprising an electric vehicle comprising at least one battery, a master charger vehicle comprising a master battery module and a control system in communication with the at least one electric vehicle and the master charger vehicle to enable the master charger vehicles to reach the electric vehicle, wherein the master battery module is adapted to charge the at least one battery. | 2012-01-05 |
20120005032 | PAY-PER-RESTORE FOR DATA BACKUP RESTORATION - A data repository receives a user's request to subscribe to a data backup service, and receives data from one or more remote devices associated with the user. The data repository stores the data in storage at the data repository, and receives a request to restore at least a portion of the data to one of the remote devices. The data repository determines, responsive to the request, a restoration fee for restoring the at least the portion of the data, and determines whether the user agrees to the restoration fee. The data repository charges the user the determined restoration fee if the user agrees to the fee, and provides the at least the portion of the data to the one of the remote devices. | 2012-01-05 |
20120005033 | Anonymous Mutual-Interest-Based Social Introduction System - An web-based anonymous mutual-interest-based social introduction system allows registered users to anonymously express interest in a friends or acquaintances by specifying the e-mail address and/or mobile phone number of each person of interest. Interest is recorded in a database and if a person in whom interest was expressed independently expresses a mutual interest, both parties are notified. In a preferred embodiment, users expressing interest may choose to have enticing clues sent to the person of interest to encourage him or her to register with the system and anonymously express interest in friends and/or acquaintances. Unlike typical dating websites, the present invention is meant to facilitate dating between persons who have met but not yet disclosed attraction to one another. | 2012-01-05 |
20120005034 | Method and User Interface for Downloading Audio and Video Content Filters to a Media Player - A client server arrangement for downloading media content filters from a server device to a client device. The media content filters define portions of a separate audio visual presentation containing potentially objectionable subject matter. Depending on user selections, identified portions of the audio/visual presentation may be skipped and/or muted during play. In one particular implementation, the client device, e.g., a DVD player, is configured to initiate a connection with a server device. Upon successful connection, the server device transmits one or more media content filters to the client device. The client device may be configured to determine whether a particular media content filter is available, to facilitate deletion of some existing media content filters in order to secure adequate memory space, and to ensure that the media player has an active account, before initiating a connection with the server device. The server device may be configured to determine whether the media player is associated with an active user account, whether a requested filter is available, and whether adequate memory space is available at the media player, before transmitting media content filters to the client device. | 2012-01-05 |
20120005035 | SERVICE AUTOMATIC COMPENSATION DEVICE AND METHOD REFLECTING EVALUATION OF PURCHASER - Provided is an automatic compensation device including a seller terminal supplying a service and a purchaser terminal purchasing the service, which are connected to each other via a communication network. In more detail, the automatic compensation device calculates a compensation to be provided to a purchaser by using the service evaluation information about a purchased service of the purchaser and the previously-stored purchase credit information about the purchaser, then updates the purchase credit information of the purchaser according to the compensation, and differentially paying an installment to the service supplier according to the compensation. | 2012-01-05 |
20120005036 | Loan-it-forward trade system and method - A system and method for creating purchase transactions based on a series of previously created loan transactions is provided. The system and method applies to small unorganized groups of neighbors as well as formal trade exchanges or bartering organizations. The system provides the means for subscribing members to create a network of members, called a loan group, by loaning or consigning products and services to a set of members some of whom in turn loan or consign products and services to a third set of members and this “loan-it-forward” process can repeat as many levels as desired creating a network structure. The method of this invention determines when a purchase transaction can occur and adjusts loan units along the paths in the network structure to provide payments (equal to the purchase transaction amount) on each loan along the paths of members connecting the two members involved in the purchase transaction. | 2012-01-05 |
20120005038 | System And Method For PCI-Compliant Transactions - A hosted PCI system for isolating a merchant ecommerce system from credit card data within the scope of PCI standards comprises a server responsive to communication from a purchaser's browser, redirected by the merchant system, for providing the purchaser's browser with a check-out page obtained from the merchant system that solicits the purchaser's actual credit card number. The hosted PCI system receives the purchaser's actual credit card number without exposing it to the merchant system, converts it to a mapped credit card which the merchant system can store without PCI compliance. | 2012-01-05 |
20120005039 | Method of conducting financial transactions - A method is provided of conducting a financial transaction with reduced likelihood of fraud where a first party's financial account information is entered using the first party's mobile device with a single initial entry to a payment service. Funds are transferred to and/or from the first party's financial account using the payment service. The first party is registered with the payment service, or becomes registered prior to transferring funds to and/or from the financial account using the payment service. For future uses of the first party's financial account to transfer funds to and/or from the first party's financial account, the first party's financial account information need not be entered again with the payment service. In response to, (i) entering the first party's financial account information or (ii) using the first party's mobile device for a financial transaction following the single initial entry to the payment service, a determination is made to see if a fraudulent attempt or fraudulent use of the first party's financial account information is committed. | 2012-01-05 |
20120005040 | METHODS AND SYSTEMS FOR CAPTURING VALUE FROM A PAYMENT DECLINE OR ERROR - Methods and systems for capturing value from a payment decline or error include receiving a token over a computer network identifying a merchant and a declined or failed transaction initiated by a consumer, receiving confirmation over the computer network that the consumer has accepted an offer for information about why the transaction failed or was declined, requesting transaction data from a payment gateway utilizing the token identifying the merchant and the transaction, receiving transaction data from the payment gateway for the declined or failed transaction, selecting a response to be delivered to the consumer based on the transaction data, and providing the response to the consumer. | 2012-01-05 |
20120005041 | MOBILE CONTENT DISTRIBUTION WITH DIGITAL RIGHTS MANAGEMENT - A server distributes, to a mobile device, a catalog of available digital content and receives, from the mobile device, a request to download multiple digital content files based on the catalog. The server sends, to the mobile device, the multiple digital content files, where the each of the multiple digital content files includes access restrictions to prevent unauthorized rendering. The server receives, from the mobile device, a request to render one of the multiple digital content files on the mobile device and determines whether rendering of the one of the multiple digital content files on the mobile device is authorized. The server sends, to the mobile device, information to enable rendering of the one of the multiple digital content files if the mobile device is authorized and applies charges, to a user account associated with the mobile device, based on the sending the information to enable the rendering. | 2012-01-05 |
20120005042 | PRODUCTS AND SERVICES PROMOTION SYSTEM AND METHOD - A method on a server for facilitating sales over a communications network is disclosed. The method includes providing a graphical user interface to an online marketplace of goods, receiving, via the graphical user interface, a selection of goods and a salesman identifier from a consumer and receiving, via the graphical user interface, sales transaction data comprising purchase of the selection of goods by the consumer. The method further includes processing the sales transaction data to effectuate purchase of the selection of goods by the consumer, matching the salesman identifier to a stored record that corresponds to the salesman and transferring a credit to the salesman based on the sales transaction data. | 2012-01-05 |
20120005043 | SYSTEM AND METHOD FOR SALES AND DISTRIBUTION OF TICKETS TO FUTURE EVENTS - Methods and systems for tournament ticketing. A method of tournament ticketing includes: selling Nc tokens for each contestant c in a tournament, the tokens being redeemable for tickets to matches i of a particular contestant c in the tournament; and obtaining Ti tickets to each match i of the tournament. | 2012-01-05 |
20120005044 | System And Method To Provide A Table Of Products Based On Ranked User Specified Product Attributes - A system and method to provide a table of product attributes based on user specified preferences. A database module that stores an electronic catalog of products is utilized. The electronic catalog includes a taxonomy of products, categories, and products within the categories. The catalog also includes product attributes which describe products in a category which have at least one value for the product attributes. A user interface module displays a table that compares products having at least one common product attribute. The user interface module receives user selected product attributes and relative product rankings two or more of the user selected product attributes. A query module is provided this information and identifies products from the stored electronic catalog which have at least one of the user selected product attributes. The user interface module displays the identified products in the table in an order based on their relative product attribute rankings. | 2012-01-05 |
20120005045 | COMPARING ITEMS USING A DISPLAYED DIAGRAM - Among other things, a user can view graphically how different available items compare to one another, with respect to attributes of the available items, by controlling what is shown in a displayed diagram that identifies the items, in the context of indicators of their attributes. | 2012-01-05 |
20120005046 | Merchandise and Geographic Information Matching System, Associate Apparatus and Method - Geographic merchandise matching system, associated apparatus and method are provided. In an embodiment, a hand-held apparatus integrates user geographic location and a merchandise matching condition, and queries a merchandise service platform. An information matching module of the merchandise service platform accesses a merchandise database, a geography database and a comment database for sorting to form a matching result, and sends the matching result back to the handheld apparatus. | 2012-01-05 |
20120005047 | Image-based e-commerce method and system - The present disclosure relates to systems and methods for providing, retrieving, manipulating and using data and information, primarily image-based, in the context of an e-commerce setting. More specifically, the present disclosure relates to systems and methods for presenting content to and using content from first users that is contained in images, to create a flexible and adaptable manner for disposition of items contained in the images to second, or more, users of the systems or internet site which employs these methods. | 2012-01-05 |
20120005048 | ON-LINE VIDEO AND IMAGE SYSTEM - A system is provided that allows a photographer to take images for a customer and provide those images to order servicing equipment with which the images are placed on-line for the customer to view. The customer may place orders for the images and products and services related to the images. The order servicing equipment may credit the photographer when the customer orders images, products, or services. Images may be manipulated before images, products, or services are ordered. Images may be taken using film-based cameras or digital image acquisition equipment. Image presentation options may be selected. Content may be appended to the images. Web sites and digital albums may be created using the images. The photographer may check the status of assignments that have been submitted to the order servicing equipment and may check on account status. | 2012-01-05 |
20120005049 | ALPHA II LICENSE MANAGEMENT SYSTEM - The Alpha II installation architecture requires extra management of per-seat installations to ensure the games are only installed with as many instances as were sold to the site. The License Management method manages and enforces proper per-license activation since a mechanism is present on the gaming machines to copy the software which is sold on compact flashes and installed onto hard drives. A method for providing license management using an activation application to manage and enforce proper per-license activation is disclosed. The method includes: adding purchased game titles to an active license database; requesting activation installations for game titles that are desired to be activated on associated gaming machines; creating activation installations on a portable memory device that associates the activation installations with associated gaming machines; enabling software to be installed onto each machine which the software is inserted using the portable memory device; enabling return of the portable memory device to the activation application where the portable memory device is read, after completion of the gaming machines being updated; and passing the current snapshot and confirmation data to a central licensing host to confirm the activation installations and free any uninstalled software licenses. | 2012-01-05 |
20120005050 | METHOD AND APPARATUS FOR INFORMATION AND COMPUTATION CLOSURES ACCOUNT MANAGEMENT - An approach is provided for enabling the accounting of closures to support query requests established by a device. A computation processing and accounting infrastructure determines one or more closures based, at least in part, on a query request. One of the one or more closures based, at least in part, on one or more predetermined policies is selected to generate a response to the query. | 2012-01-05 |
20120005051 | Semi-Automated Customer Model-Based Service Deployment Into Data Centers - A non-transitory computer readable medium embodying instructions executed by a processor to perform a method for service creation and mapping between at least two support systems includes receiving a request for a new service, wherein the request includes resource requirement information and QOS requirement information corresponding to the new service, determining a location that the request originated from, identifying at least one data center within a communication range of the location, identifying at least one data center having resources complying with the resource requirement information, identifying at least one data center complying with the QOS requirement information, and deploying the new service into each data center that is within the communication range of the location, that has resources complying with the resource requirement information, and that complies with the QOS requirement information. | 2012-01-05 |
20120005052 | Data processing system for complex pricing and transactional analysis - The present invention provides methods and systems for defining financial transaction components; defining mapping rules for taking individual financial transactions and breaking them down into their components, such as production services, billing services and settlement services. A data processing system in accordance with one embodiment of the present invention, creates a transaction instance corresponding to a financial transaction, creates a production service instance linked to the transaction instance by a first relation instance, and creates a billing service instance linked to the production service instance by a second relation instance. The data processing system, may also create other production service instances linked to the transaction instance using other relation instances, as well as, other billing service instances linked to the production service instances. | 2012-01-05 |
20120005053 | BEHAVIORAL-BASED CUSTOMER SEGMENTATION APPLICATION - Embodiments of the invention relate to systems, methods, and computer program products for comprehensive and holistic behavior-based customer segmentation and customer profiling based on the segmentation. In specific embodiments of the invention, the segmentation includes internal credit behavior segmentation and external credit segmentation. In other embodiments, the segmentation includes internal credit behavior segmentation and external credit segmentation, and spend preference segmentation. In still further embodiments any combination of behavior algorithms may be implemented to segment the customer base and determine a related customer profile. The application additionally provides for new behavior algorithms to be added as needed in the future and the ability to interface with existing/legacy segmentation applications. | 2012-01-05 |
20120005054 | FEES AND FOREIGN CURRENCY EXCHANGE CALCULATION - Various methods, apparatus, and systems are disclosed for calculating a fee linked to an online financial transaction. In one embodiment, a method includes receiving a fee calculation request linked to an online financial transaction associated with a fee type, a country code, and a client identifier; and then selecting, using a microprocessor, an initial base fee from either a default base fee determined by the fee type and the country code or from an overriding base fee associated with the financial transaction, wherein the initial base fee includes a transaction percentage and a fixed amount. The method further includes applying, using the microprocessor, at least one adjustment to the initial base fee to calculate a final fee, the at least one adjustment being applied when an associated condition set is determined to be true. | 2012-01-05 |
20120005055 | DYNAMIC COMPUTATION OF ROI FOR TEST AUTOMATION - Embodiments of the present invention provide a method, system and computer program product for dynamic computation of return on investment (ROI) for test automation. In an embodiment of the invention, a method for dynamic computation of ROI for test automation can include storing a development cost for an automated test tool configured to test an application under test, and also a cost of manually executing a test case for the application under test. The method also can include repeatedly executing the automated test tool for the application under test. Of note, the method can include computing a running ROI as a difference between a number of executions of the automated test tool by the cost of manually executing the test case for the application under test less the development cost of the automated test tool divided by the development cost. Finally, the method can include displaying the running ROI. | 2012-01-05 |
20120005056 | Systems and Methods for Determining a United States Average Retirement Age Index - Systems and methods for determining a U.S. average retirement age index, the index including a year and week. The method determines a wealth at death of an average U.S. couple for a first retirement age. If wealth at death is greater than zero, the retirement age is decreased by one and the wealth at death value is recalculated. This process continues until the wealth at death value is less than zero, at which point the year of the retirement age index is determined by adding one to the current year of the retirement age. The week of the retirement age index is determined by: dividing the opposite of a wealth at death value for the year prior to the year of the U.S. average retirement age index by a wealth delta and multiplying the result by fifty-two. | 2012-01-05 |
20120005057 | Distribution of Electronic Market Data - A system and method are provided that, among other things, can reduce the burden on receiving computers, increase data throughput, reduce system failure, and provide components of a scalable and flexible network architecture. Specifically, the system and method provide a multichannel-multicast network environment for use in dynamically assigning data to channels. This configuration is particularly useful in a trading network environment, as it effectively performs channel reassignments in a way not to disturb the receipt of the underlying data. While the example embodiments described herein pertain to electronic trading, the principles of the present invention may be equally applied in other environments where the advantages presented herein are beneficial. | 2012-01-05 |
20120005058 | Method and Apparatus for Motion Based Target Prediction and Interaction - Embodiments for motion based target prediction and interaction are described herein. One example embodiment includes predicting a target element based on a user moving a cursor in relation to a trading interface. When a target element is identified, one or more actions may be pre-configured based on the target element. For example, when a target element is associated with a buy action and a price, an order message to buy a tradeable object at the price may be generated based on the predicted target element. Then, a user action may be received to select the target element and to execute the action. The user action selecting the target element may be received prior to the cursor reaching the desired target. | 2012-01-05 |
20120005059 | Order Entry Actions - Various embodiments disclosed herein relate to order entry. In the electronic trading process, order entry involves setting one or more order entry parameters, sending one or more order entry parameters, or both setting and sending one or more order entry parameters. As will be described in more detail below, various order entry actions, such as moving a cursor across an order entry line, moving a cursor into an order entry region, pressing an order entry button, or performing a gesture, may be used to trigger the setting, sending, or both setting and sending of one or more order entry parameters. At least some embodiments relate to enabling an order entry action before the order entry action is able to set, send, or both set and send one or more order entry parameters. | 2012-01-05 |
20120005060 | System and Method For Configuring Trade Order Parameters - The example methods and systems described herein provide for configuration of one or more trade order parameters to associate with one or more trade orders, where the trade orders may be submitted to one or more electronic exchanges. According to an example embodiment, rather than having the trader manually configure each individual parameter associated with each trade order, a trader can pre-configure customer and order parameters. A user, for example a trader, broker, or market maker, can configure trade order parameters to associate with one or more customers, one or more order types, and/or internal messages to associate with any of the configured customers or orders. Based on the selected customer and tradeable object, the trading system evaluates the pre-configured customer and associated order parameters and determines which trade order parameters best match. The trading system then dynamically populates the order entry window with the specific trade order parameters associated with the best match. | 2012-01-05 |
20120005061 | METHOD AND SYSTEM FOR FACILITATING PROPERTY SALES AND GIFTING - A method and system for facilitating property sales and gifting, in particular real and personal property sales and gifting. A method and system for providing an online platform for property sales and gifting amongst various users of the method and system, including at least one property seller, at least one property recipient, at least one voter who votes to elect a property recipient and at least one donor of funds to provide funding for the ultimate property purchase. | 2012-01-05 |
20120005062 | MULTICOMPUTER DISTRIBUTED PROCESSING OF ORDER AND/OR PRICING INFORMATION - A trading platform and trading method that may allow access to additional pools of liquidity is described. Other embodiments are also described. | 2012-01-05 |
20120005063 | FIX PROXY SERVER - Using a feed backbone computer network, enables connection of counterparty customers in disparate Financial Information Exchange (FIX) networks, across IP network boundaries. The feed backbone network links consumer, database, management, and proxy computer systems with a FIX backbone computer network in turn connected to trading extranets via access centers. Proxy computer systems balance their shared message processing load, log message traffic, manage operational sessions, and collect and present aggregated feed information to client users, whether connected locally or to the trading extranets. A software proxy acts as a “middleman” between the two customer endpoints. Copies selected FIX messages to a multicast backbone for aggregation in a standard format. The entire network is centrally configurable and supports realtime operational status. | 2012-01-05 |
20120005064 | OUTLIER TRADE DETECTION FOR FINANCIAL ASSET TRANSACTIONS - Tools are provided for identifying outliers or variations in trade data derived from financial asset transactions, such as securities lending transactions, foreign exchange transactions, over the counter and exchange traded derivative transactions, and equity and fixed income transactions. Such outliers may provide an indication that a given trade is suspicious or potentially inappropriate from a customer relationship point of view, a regulatory perspective, or a legal standpoint. Trades identified as outliers can be utilized in regression analyses to analyze specific trades, trader-broker relationships, or other trading activity. | 2012-01-05 |
20120005065 | Synthetic Funds Having Structured Notes - The present invention relates to synthetic funds for purchase by investors. A structured note is structured to provide customized equity returns/exposure. Terms of each structured note may be specified by the purchaser and the structured notes may be unsecured liabilities of the obligor, e.g., there are no underlying assets upon which the structure note is based. Thus, there will be no limits on the use of structured note proceeds and management of assets and liabilities will be left entirely to the obligor's discretion. Structured note payment obligations may be related to the performance of an objective valuation, but structured note holders will depend on the good credit of the obligor for payment. | 2012-01-05 |
20120005066 | PROCEDURAL ORDER PROCESSING - An order en route to a marketplace is delayed so that a procedure can determine whether to generate a spawned order, and the spawned order is sent to a destination for execution essentially contemporaneously with the sending of the en route order to the marketplace. The spawned order can be sent to the same marketplace or a different marketplace than the en route order is sent to. The spawned order provides additional liquidity. | 2012-01-05 |
20120005067 | Method and apparatus for monitoring and evaluating limit order trading - Systems, methods, apparatus, computer program code and means for generating quality data associated with an option limit order are provided. In some embodiments, an option limit order is received, the option limit order including information identifying a customer, information identifying a desired option, and information that indicates a limit price for said option limit order. A substantially real time feed of option market date is received and the option market data is used in real time to identify at least one of a trade-through and a trade-at transaction relevant to the option limit order. Alerts may be generated based on the identified trade-through or trade-at transaction. Trade-at or trade-through data may be tabulated and analyzed to evaluate option limit order trading activity. Analysis to generate trade-at or trade-through data may be performed on a batch processing basis relying entirely or in part on data received in real time or on a batch basis. | 2012-01-05 |
20120005068 | System and Method for Money Management in Electronic Trading Environment - A system and method for money management in an electronic trading environment are presented. According to one embodiment, a trader may configure a plurality of filters, each including at least one filter criteria and filter condition. When a money management module detects a new order, the money management module intercepts the order and determines if the order matches one or more predefined filters. If the order matches one or more filters then conditions associated with the applicable filter(s) are applied to the order. The application of one or more conditions to an order may result in sending a modified order, preventing the order from reaching the exchange, or sending order to the exchange without any modifications. | 2012-01-05 |
20120005069 | SYSTEM AND METHOD FOR ESTIMATING PERCEIVED QUALITY OF NEW PRODUCTS - A system and a method are provided, which allow participants to trade virtual stocks corresponding to a plurality of products including at least one new product, and which provide a normalized perceived quality value about each of the products. A plurality of participants is provided with virtual stocks corresponding to the plurality of products and also virtual currency and allowed to trade the plurality of virtual stocks with the virtual currency. The transactions are recorded in a trade log database and analyzed to estimate the perceived quality of the product corresponding to each virtual stock. Accordingly, it is possible to estimate and compare the perceived quality of a new product with that of the existing products, and thus, the price of the new product before launch can be set with increased ease. | 2012-01-05 |
20120005070 | SALES LEAD GENERATION SYSTEM USING A CREDIT SCORE SURVEY - The invention is directed to a system for and a method of generating sales leads as a service for one or more vehicle dealerships that are not otherwise affiliated with the service. The invention may include maintaining a web site independently of the one or more vehicle dealerships that is accessible over a computer network by a consumer who is considering purchasing a vehicle, offering to the consumer while the consumer is accessing the web site to provide the consumer with an estimated credit score, wherein the consumer provides the consumer's contact information before the estimated credit score is provided, outputting a credit score survey to the consumer over the computer network, receiving one or more answers to the credit score survey from the consumer over the computer network, receiving information indicative of the vehicle transmitted from the consumer over the computer network, the information indicative of the vehicle comprising one or more selected from the group consisting of year, make, model, style, and color of the vehicle, receiving contact information of the consumer transmitted from the consumer over the computer network, determining, independently of the one or more vehicle dealerships, the estimated credit score by applying at least one scoring algorithm to the one or more answers to the credit score survey, providing the estimated credit score over the computer network to the consumer, and transmitting the contact information of the consumer, the estimated credit score, and the information indicative of the vehicle to the one or more vehicle dealerships as a sales lead. | 2012-01-05 |
20120005071 | METHOD AND SYSTEM FOR LOAN CLOSING - A method and system for electronically facilitating loan closing transactions that include sub-transactions involving third parties. The method and system provide functionality to quickly and easily order a sub-transaction and bill the respective party, or pay for the sub-transaction directly from various payment systems. An interactive closing document updates automatically as different services and sub-transactions are ordered. Designated parties to the transaction make and approve changes and updates to the interactive document as sub-transactions are completed and billed. The interactive document receives information from the earlier stages of the loan or mortgage transaction, and incorporates the information into the interactive closing document. Upon approval by all parties, at the closing of the transaction, the interactive closing document is generated as a hard copy for signature. | 2012-01-05 |
20120005072 | System, Program Product, and Associated Methods to Autodraw for Micro-Credit Attached to Prepaid Card - A consumer is prequalified for a line of credit attached to a prepaid card by a lending institution. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the prepaid card is loaded with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for the line of credit balance available is determined, accounting for value loaded onto the prepaid card and a preselected loan advance fee for each loan increment loaded onto the prepaid card. | 2012-01-05 |
20120005073 | Financial Transactions Processing System including Cash Automation Machine - A financial transactions processing system includes a safe (cash automation machine) that performs transactions including at least one of receiving and distributing money. A controller, such as a teller computer, issues instructions to the cash automation machine to perform the transactions. A processor, such as a bank branch CPU, receives data from the cash automation machine and the controller relating to the transactions and analyzes the data. This data can include data relating to at least one of the following: number of transactions, duration of each transaction, type of each transaction, denomination of money distributed and/or received, and date and time of the transactions. The processor (bank branch CPU) can advantageously use this data in a number of ways, including at least one of the following: to accurately and effectively assign teller work schedules, perform or schedule maintenance or repairs, provide economic advantages, etc. | 2012-01-05 |
20120005074 | INLINE LINK PAYMENT - One or more pay links are provided on a content page, where the user can select the pay link to make a payment directly through a payment provider. A window is opened for the payment provider, and the user access a user account. The user makes the payment and returns to the original content page. | 2012-01-05 |
20120005075 | SYSTEMS AND METHODS FOR INCREASING COLLECTION AGREEMENT FULFILLMENT AND TRACEABILITY - A system for receiving a payment for a financial obligation of a payer via a staged transaction, and for identifying an originator of the staged transaction. A collection system may be configured to, per the originator, associate the obligation with an identifier which may be unique to the obligation and indicative of the originator, to associate the transaction with the identifier, and to provide the identifier to the payer. A provider system may be configured to receive a first record related to the transaction from the collection system, to receive a second record related to the transaction which indicates a payment has been received, and to send a third record related to the transaction to the collection system which indicates a payment has been received. A provider subsystem may be configured to receive the identifier from the payer, and send the second record to the provider system. | 2012-01-05 |
20120005076 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The transactional controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and the POS controller. Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the POS controller. During or after the purchase transaction, a message may be generated by the transaction controller which lists one or more preferred payment options that may be selected using the PCD to complete a purchase. | 2012-01-05 |
20120005077 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005078 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005079 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005080 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005081 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005082 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005083 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005084 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005085 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005086 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005087 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005088 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005089 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005090 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005091 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005092 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-01-05 |
20120005093 | SYSTEM AND METHOD FOR AUTOMATIC PAYMENT OF FINANCIAL OBLIGATIONS - The present invention is a method for managing funds in anticipation of paying at least two financial obligations, such as an estimated tax payment and a mortgage payment. The due dates and amounts due are determined from customer financial information. During an escrow period leading up to the first obligation due date, amounts of money are transferred on at least two occasions from a customer account into a second account, whereby the combined value of the transferred amounts substantially matches the estimated tax or other amount due for the first obligation. The transfer amounts and/or timing are adjusted so as to maintain sufficient funds in the customer account for paying the other obligations. The transferred money is used to automatically pay the first obligation on or near the due date. In embodiments, the customer can access the money in the second account until the first financial obligation is paid. | 2012-01-05 |
20120005094 | System, Program Product, and Associated Methods to Autodraw for Micro-Credit Attached to Prepaid Card - A prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on behalf of the lending institution computer in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the processor loads the prepaid card with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Then the processor notifies the lending institution so that the line of credit balances on the lending institution computer and the prepaid card processor are kept in sync. | 2012-01-05 |
20120005095 | System, Method, and Program Product for Foreign Currency Travel Account - Systems, program product, and methods for securing or procuring destination currency funds for a traveler to be used for travel in a destination country commencing at a scheduled future travel date, are provided. A system can include a domestic financial institution server including foreign destination currency transaction account program product. The system provides for establishing an interest-bearing foreign destination currency transaction account having a user-selected maturity date coinciding with a preselected travel date, and near, but prior to the preselected travel date, providing to the traveler a travel debit card having access to the balance of foreign destination currency funds including both principal and accrued interest. | 2012-01-05 |
20120005096 | Method of conducting financial transactions - A method is provided of conducting a financial transaction with reduced likelihood of fraud. A financial transaction is entered into using a first party's financial transaction instrument to transfer funds. The first party's financial transaction instrument information is sent externally to a mobile device. The financial transaction instrument information is sent from the mobile device to a payment system. | 2012-01-05 |
20120005097 | DEVICE AND METHOD FOR HANDING OVER PRODUCTS PURCHASED ONLINE - Device for handing over an item to be delivered originating from a sender to be delivered to a recipient, includes a central processing unit, memories and an input device, wherein the processing unit is connected to the memory and to the input device, and the is set up to carry out:
| 2012-01-05 |
20120005098 | PRIVACY-SENSITIVE SAMPLE ANALYSIS - Processes are described for provision of privacy-sensitive sample analysis results to a sample provider. The sample provider generates a cryptographic commitment encoding a secret value, r, and a sample identifier, s, associated with a sample container. The sample provider provides the commitment to an analysis provider in association with the sample container containing a sample for analysis. The analysis provider analyzes the sample to obtain a set of analysis results corresponding to the sample identifier, s, and generates a cryptographic pre-credential, σ′, corresponding to the sample identifier, s. The pre-credential, σ′, encodes the set of analysis results and the commitment. Completion of the pre-credential, σ′, requires knowledge of the secret value, r, in the commitment. In response to cryptographic proof of knowledge by the sample provider of at least the secret value, r, in the commitment encoded in the pre-credential, σ′, corresponding to the sample identifier, s, the analysis provider supplies the pre-credential, σ′, to the sample provider. The sample provider then completes the pre-credential, σ′ using the secret value, r, to obtain a cryptographic credential, σ, encoding the set of analysis results. | 2012-01-05 |
20120005099 | Secure Electronic Records in Smart Devices - Methods and apparatus for creating secure electronic records using a smart device are disclosed. A smart device is authorized by connecting the device with a secure host computer. The host computer authorizes the smart device for a specified period of time. The user verifies that they are allowed to use the smart device to collect and create secure electronic records. Collecting electronic records then occurs. An encrypted wrapper for each record collected is created by encrypting each record. The smart device is then reconnected to the host computer. The host computer uploads the collected records and clears the device. | 2012-01-05 |
20120005100 | CAR NAVIGATION SYSTEM AND INDIVIDUAL FUNCTIONAL DEVICE - A car navigation system includes: an in-vehicle display device that includes: a central information display device that has a display and displays a video image on the display; an individual functional device that is formed independently of the central information display device and has a navigation function; and an expansion device that connects the central information display device and the individual functional device; and a map division distribution system that includes a map encrypting unit that encrypts a divided map with a map key uniquely assigned to the divided map formed by dividing a map; a decryption key generating unit that decrypts the map key with a user key uniquely assigned to a user; and a decryption key distributing unit that distributes the decryption key to the individual functional device. | 2012-01-05 |
20120005101 | System and Method for Offering Bulk Products for Sale to Multiple Businesses by Provision Point Mechanism - A method for business-to-business (B2B) provisioning implemented on a computer system. Information is stored for at least one purchase offer concerning an associated product or service. The stored information identifies the associated product or service, a number of current acceptances of the offer made by one or more businesses, and a number of acceptances required for activating an associate purchase order. Upon receipt of a next acceptance of the offer, the computer system operates to update the number of current acceptances, and to determine whether the updated number of current acceptances is greater than or equal to the number of acceptances required for activating the associate purchase order. If a time period for accepting the offer has expired and the updated number of current acceptances is greater than or equal to the number of required acceptances, the computer places an associated order with an associated supplier. | 2012-01-05 |
20120005102 | Method and System for Anonymous Communication Between A Consumer and Provider - A method and system for anonymous communication between a consumer and a provider are disclosed. According to one embodiment, a computer-implemented method comprises receiving a first input from a consumer, the first input including an indication of intent to purchase a desired product. A plurality of providers is queried based on the first input to locate a matching provider, and the matching provider is notified about the consumer through a notification lead without revealing an identity of the consumer. Anonymous communications are provided regarding a purchase of the desired product between the consumer and the matching provider, wherein the anonymous communications include a price negotiation. | 2012-01-05 |
20120005103 | METHOD AND APPARATUS FOR CONSTRUCTION SIMULATION - In a construction simulation apparatus: a 3-D already-existing model, installation progress data, and a 3-D new-construction model are recorded in databases; a match determination unit determines similarity in one or more installation positions of one or more of pieces of equipment and piping components between the 3-D already-existing model and the 3-D new-construction model; and a progress selection unit selects, as portions of installation schedule data corresponding to the 3-D new-construction model, portions of the installation progress data corresponding to matching portions of the 3-D already-existing model, on the basis of data indicating a correspondence relationship between the 3-D already-existing model and the installation progress data, where the matching portions of the 3-D already-existing model are extracted by the match determination unit and respectively match the portions of the 3-D new-construction model. | 2012-01-05 |
20120005104 | SYSTEM, METHOD, AND APPARATUS FOR GENERATING AND DISTRIBUTING WATERSHED RESTORATION CREDITS - Embodiments of the present invention provide for systems, apparatuses, and methods for collaborative watershed restoration projects, which may include one or more restoration actions involving a variety of different stakeholders that, when completed, provides a positive contribution to the ecological health of at least one watershed. Other embodiments may be described and claimed. | 2012-01-05 |
20120005105 | SUPPLY CHAIN MANAGEMENT USING MOBILE DEVICES - A method for supply chain management using mobile devices with a server on an electronic data network includes receiving identifying information for a product transmitted from a mobile device via the network, the server being periodically updated with product recall data. The server queries a traceability server via the network for master data and event data related to the product using the identifying information. The server processes the recall data, master data, and event data to produce product data which is output to the mobile device. | 2012-01-05 |
20120005106 | CUSTOMER CARE BASED ON SOCIAL MEDIA - In one implementation, the information available in social networking services is leveraged by a customer service agent. Recent social media posts by customers may be accessed by a call center server either at the time of a customer service request or ahead of time. If the customer has provided any information in the social media posts related to why the customer is calling in, the customer service agent can save valuable time that is usually spent finding the source of the problem. The call center server includes a communication interface operable to receive a customer service request including a customer identity and a controller configured to query at sources of social media postings based on the customer identity. The call center server may transmit the social media postings to a device for displaying the social media postings to the customer service agent. | 2012-01-05 |
20120005107 | System and Method for Monitoring Equipment Maintenance - A method comprises storing maintenance data associated with a particular maintenance task for a particular type of equipment, where the maintenance data includes calendar maintenance data and usage maintenance data. The method further comprises storing calendar tracking data and usage tracking data. The method further comprises determining if the calendar tracking data equals or exceeds a first predetermined threshold associated with the calendar maintenance data, determining if the usage tracking data equals or exceeds a second predetermined threshold associated with the usage maintenance data, and in response to either the first or the second predetermined thresholds being met, generating an alert associated with the maintenance task for the instance of the particular type of equipment that has been deployed. | 2012-01-05 |