04th week of 2015 patent applcation highlights part 58 |
Patent application number | Title | Published |
20150025993 | Electronic On-line Motor Vehicle Management and Auction System - The present system provides standardized method and procedures to inspect, sell, auction and purchase used vehicles. The system provides certified technicians that go to the car dealers' location to obtain the information related with the vehicles to be sold. The technicians record the condition of the vehicle while inspecting it, and evaluate the vehicle's condition. The information is presented to potential buyers to solicit offers and bids on the vehicles to be auctioned. An online auction session will be conducted to invite bids from the registered users. A final winner will be determined by the system. | 2015-01-22 |
20150025994 | PRODUCT OPTIONS FRAMEWORK AND ACCESSORIES - Techniques are described for describing and associating custom products. In an embodiment, a first attribute value that defines an attribute of a custom product is received from a user that is customizing the custom product. In response to receiving the first attribute value, a legal set of attribute values for a second attribute of the custom product or an accessory product may be determined. The legal set of attribute values identifies one or more attribute values of the second attribute of the custom product or accessory product that are compatible with the first attribute value. The legal set of attribute values may identify a continuous range of values where any value within the continuous range of values is compatible with the first attribute value. In an embodiment, the user may be limited to selecting accessory products having a legal attribute value. | 2015-01-22 |
20150025995 | GENERATING RECOMMENDATIONS BASED ON TRANSACTION DATA - Systems and methods of generating recommendations based on transaction data are described. A first business entity may collect transaction data corresponding to a user from at least one external source. The transaction data may comprise at least one identification of an item purchased by the user, and the external source(s) may belong to a separate business entity from the first business entity and host an account of the user. A recommendation for the user may be generated based on the collected transaction data. In some embodiments, the recommendation may comprise a recommendation to buy an item or a recommendation to sell an item. The generated recommendation may also be based on transaction data corresponding to at least one other user. | 2015-01-22 |
20150025996 | SYSTEMS AND METHODS FOR RECOMMENDING PURCHASES - A system and method for creating and sharing e-commerce inventory among a defined on-line community via a specialized visualization and interactivity interface is presented. One embodiment comprises a network system having a client-server architecture configured for exchanging data over a network. The data exchanges may pertain to various functions, such as on-line purchases, etc., and aspects, such as managing social networks, etc., associated with the network system. The network system may include a network-based marketplace, such as an e-commerce system, where traders or users may communicate and exchange data. A recommendation engine scrapes metadata from items selected in an “art-board” and extrapolates that data to recommend other items. These recommended other items should be based-on what other users have selected from the “art-board” and paired together, as well as what other users have removed from their respective art boards. | 2015-01-22 |
20150025997 | SOCIAL COACHING SYSTEM - In example embodiments, a system and method for providing a social coaching system is provided. A coach database is maintained by the coaching system. The coach database includes a list of coaches and attributes associated with each coach on the list. A request for a coach is received. The request includes at least one goal of a consumer. A plurality of coaches specializing in achieving the at least one goal is determined. The coach may be determined by identifying a match between the attributes associated with each coach and the goals of the consumer. A recommendation indicating the plurality of coaches is provided to the consumer. A selection of the coach from the recommendation is received. The coach is then assigned to the consumer. | 2015-01-22 |
20150025998 | APPARATUS AND METHOD FOR RECOMMENDING PLACE - A method of receiving a recommendation of Point of Interest (POI) information from a place recommending apparatus is provided. The method includes sending a POI information recommendation request to the place recommending apparatus using sensor data and receiving a recommendation response to the POI information recommendation request from the place recommending apparatus based on user-desired environment information. | 2015-01-22 |
20150025999 | Product Selection Packaging and Method of Use Thereof - Product selection packaging for a consumer product that improves the consumer's ability to quickly sort through numerous criteria in a complex decision making process and determine whether that particular consumer product is appropriate for his or her purchase and use is disclosed. The product selection packaging, which is designed for a consumer product includes (a) an interface; and (b) at least one product selection indicia associated with the interface, wherein the selection indicia assist the consumer with determining whether or not the product is appropriate for the consumer's purchase or use. | 2015-01-22 |
20150026000 | INFORMATION PROVIDING SYSTEM, INFORMATION PROVIDING METHOD, PROGRAM, AND STORAGE MEDIUM - An information providing system for providing a user with information about at least one product or service corresponding to a new need due to a change in an attribute of the user by the user is provided. A receiving section ( | 2015-01-22 |
20150026001 | RECOMMENDING CONTENT INFORMATION BASED ON USER BEHAVIOR - Content recommendation includes: determining a plurality of user behavior categories pertaining to a plurality of user behaviors by a plurality of users within a period of time, and a plurality of user behavior frequencies corresponding to the plurality of user behavior categories; determining whether the number of user behavior categories exceeds a preset category threshold; in the event that the number of user behavior categories exceeds the preset threshold, excluding one or more user behavior categories such that the number of remaining user behavior categories does not exceed the preset threshold; determining, based at least on the remaining user behavior categories and corresponding user behavior frequencies, user preference data comprising frequency distribution information of a plurality of pieces of content information targeted by user behaviors in the remaining user behavior categories; and recommending content information to a user based on the user preference data. | 2015-01-22 |
20150026002 | SMART HOME ENVIRONMENT FOR SHOPPING - A smart home environment shopping system. One or more inventory needs lists are received from one or more respective smart appliances. Sources for available inventory items on the received inventory needs lists are identified, based on pre-defined rules. In another aspect of the invention, the available items are displayed to a user, and one or more inputs indicating inventory items to purchase are received. In a further aspect, associated metadata for one or more of the available items is displayed, the metadata including one or more of: price, discounts, quality, brand, flavor, user reviews, and advertisements. In a further aspect, one or more optimal travel routes connecting all identified sources of the available inventory items on the received inventory needs lists are determined. | 2015-01-22 |
20150026003 | Extended Commerce Platform for Organized and Unorganized Business Sectors - A method and system for providing a marketplace that enables enterprise collaboration. The method includes allowing an agent to receive a request for purchasing a product and place an order to provide the products to a customer. Further, the method includes allowing the agent to receive the requested products from a vendor and charge the customer for the products with a price as received from the vendor. | 2015-01-22 |
20150026004 | Internet System for users to send tangible items to a recipient with just the recipient's email address and without providing the mailing address. - A computer implemented method and system for the internet user to order items, including gifts and flowers, from a website and to be able to send the order to a recipient without having the user provide the recipient's mailing but only the recipient's email address. After the user submits the order in the website, an email is sent to the recipient requesting the recipient to either accept or reject the order. If the recipient accepts the order, the recipient enters in their mailing address in the website, which is not disclosed to the user, and the order will then be delivered to the recipient. If the recipient rejects the order, the user's order will be cancelled and the order will not be delivered to the recipient. | 2015-01-22 |
20150026005 | MULTI ECOMMERCE FLOATING WINDOW WITH A SHOPPING CART - The present invention is directed to a novel multi ecommerce floating window configured to allow a shopper to surf and collect variety of items/products from separated independent ecommerce websites into one electronic shopping cart. The invention is also directed to a method and system for purchasing products from a plurality of unrelated internet commerce sites offering products for purchase through electronic commerce systems using said novel multi ecommerce floating window provided herein. The shopper may purchase the collected products in the shopping cart by a single payment process that is independent of the ecommerce sites that the products were collected from. Finally, the purchased products are all being gathered into one package to be delivered to the shopper. The multi ecommerce floating window comprising at least a predefined group of ecommerce sites that the shopper may choose for surfing, and a shopping cart configured to allow addition of items/products selected from either one of the ecommerce sites, wherein the floating window accompanies the shopper to each ecommerce site that the shopper chooses to surf. | 2015-01-22 |
20150026006 | POINT-OF-INTEREST LATENCY PREDICTION USING MOBILE DEVICE LOCATION HISTORY - A latency analysis system determines a latency period, such as a wait time, at a user destination. To determine the latency period, the latency analysis system receives location history from multiple user devices. With the location histories, the latency analysis system identifies points-of-interest that users have visited and determines the amount of time the user devices were at a point-of-interest. For example, the latency analysis system determines when a user device entered and exited a point-of-interest. Based on the elapsed time between entry and exit, the latency analysis system determines how long the user device was inside the point-of-interest. By averaging elapsed times for multiple user devices, the latency analysis system determines a latency period for the point-of-interest. The latency analysis system then uses the latency period to provide latency-based recommendations to a user. For example, the latency analysis system may determine a shopping route for a user. | 2015-01-22 |
20150026007 | SMART HOME ENVIRONMENT FOR SHOPPING - A smart home environment shopping system. One or more inventory needs lists are received from one or more respective smart appliances. Sources for available inventory items on the received inventory needs lists are identified, based on pre-defined rules. In another aspect of the invention, the available items are displayed to a user, and one or more inputs indicating inventory items to purchase are received. In a further aspect, associated metadata for one or more of the available items is displayed, the metadata including one or more of: price, discounts, quality, brand, flavor, user reviews, and advertisements. In a further aspect, one or more optimal travel routes connecting all identified sources of the available inventory items on the received inventory needs lists are determined. | 2015-01-22 |
20150026008 | PATRON SERVICE SYSTEM AND METHOD - A method provides for using a wireless patron unit within a venue and within a vicinity of the venue. The method includes providing at least one patron with a wireless patron unit by either permitting the at least one patron to temporarily use a provided wireless patron unit that includes at least one venue specific application program, or by providing at least one venue specific application program to the at least one patron for downloading into a patron-owned wireless communication device that can be used during the at least one patron's visit to the venue. The method also includes connecting the wireless patron unit to a server enabling communication between the wireless patron unit and the server, entering a patron order for at least one item or service provided by the venue into the wireless patron unit, and determining a current location of the wireless patron unit. | 2015-01-22 |
20150026009 | CONTEXTUAL BASED WIFI APPLICAITON - The invention relates to electronic communication between entities via a transient contextual interaction channel (TCIC) that mirrors the real world nature of the short term interaction between two or more entities such as a consumer and business. The invention employs a mobile phone and a cloud based information system that is a real-time representation of a user's daily interaction with vendors and which provides users with the ability to acquire and respond to structured data concerning these activities. | 2015-01-22 |
20150026010 | REVERSE SHOWROOMING AND MERCHANT-CUSTOMER ENGAGEMENT SYSTEM - Systems and methods for providing a merchant-customer engagement system include a physical merchant location in which a customer may be tracked to determine products within the physical merchant location that the customer is interested in. A merchant may use a wearable merchant device that is configured to identify the customer via a camera that captures an image of the customer, and that image may be used to retrieve customer account information for that customer. Using the customer account information and the products that the customer is showing interest in, the wearable merchant device may be used to display merchant-customer engagement information next to a view of the customer to allow the merchant to help the customer while utilizing a variety of displayed information about the customer including, for example, past purchases, products browsed in-store and previously browsed online, time spent in an area of the physical merchant location, etc. | 2015-01-22 |
20150026011 | OFFER REPORTING APPARATUS AND METHOD - A computerized method for storing purchase information for a product in a price database to generate a purchase history includes receiving in a price database a set of sales information for a product, wherein the set of sales information includes a product identifier for a product and a price for the product; and storing in the price database a price entry, which include the set of sales information, wherein the price entry is editable to generate a purchase history. | 2015-01-22 |
20150026012 | SYSTEMS AND METHODS FOR ONLINE PRESENTATION OF STOREFRONT IMAGES - An search query may be received from a user device, the search query indicating retail-related search criteria. A user device may be caused to display a search result based on the search query. The search result may comprise one or more search result items respectively comprising a storefront image representing a storefront of a corresponding brick-and-mortar store. A respective plurality of merchandise items may be visible in each storefront image. | 2015-01-22 |
20150026013 | SYSTEM AND METHODS FOR COGNITIVE VISUAL PRODUCT SEARCH - A visual product searching apparatus includes a product area determining part, a visual word generating part and a product searching part. The product area determining part extracts a product area in an input image. The visual word generating part generates a visual word reflecting human visual cognitive characteristics based on the product area. The product searching part searches a product using the visual word. | 2015-01-22 |
20150026014 | METHOD FOR MONITORING AND REPORTING CHANGES IN THE VALUE OF REAL ESTATE - This invention discloses a process involving automatic notification to interested individuals of current real estate values. The process consists of a monitoring service entity, external data source, and end-user. The disclosed embodiments include a process whereby parties can be directly notified of real estate values or alternatively may initiate contact with the monitoring entity to receive data. | 2015-01-22 |
20150026015 | AGGREGATION OF GROUP OF PRODUCTS CONTENT AND PROVIDING WAYS TO DISPLAY, VIEW, ACCESS, SHARE AND CONSUME CONTENT - Systems and methods are disclosed to create, aggregate, and syndicate of group of product or content attribute collection and provide ways to access, display, filter, share, merchandise, shop and consume the created content repository using a collection recommendation and merchandising engine via web services independent of where the content is created or updated. | 2015-01-22 |
20150026016 | SYSTEM AND METHOD OF PRODUCING MODEL FIGURE OF PERSON WITH ASSOCIATED CLOTHING - A system and method for manipulating models and avatars in a virtual and real Environment is disclosed. The system allows the user to create a virtual image of a model by selecting an avatar and changing different types of features or clothes of the avatar. Users can allocate votes for the virtual image created by others. The best and most preferred design of clothes is selected which can be then generated or produced as a real tangible item and tested on a doll. Also the user with most votes wins virtual currency which can result in prices or additional rewards in the virtual environment as well as the real tangible versions of the model (doll). The tangible doll is produced via defined measurements and most preferably in a doll sized statue or doll as such. | 2015-01-22 |
20150026017 | INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD - In accordance with one embodiment, an information processing apparatus comprises an image capturing module configured to photograph a commodity to capture the image of the commodity, an extraction module configured to extract a feature amount from the image captured by the image capturing module; a calculation module configured to compare the feature amount of each commodity registered in a dictionary with the feature amount of the commodity extracted by the extraction module to calculate a similarity degree therebetween; a recognition module configured to recognize a commodity of which the similarity degree is greater than a threshold value as a commodity candidate within the commodities registered in the dictionary; and a display control module configured to switch information representing the commodity candidates according to the number of the commodity candidates recognized by the recognition module to display it. | 2015-01-22 |
20150026018 | INFORMATION PROCESSING APPARATUS AND INFORMATION PROCESSING METHOD - An information processing apparatus comprises an extraction module configured to extract a feature amount from an image of a commodity captured by an image capturing module; a calculation module configured to compare the feature amount of each commodity registered in a dictionary in association with instruction information instructing whether or not to execute automatic determination with the feature amount extracted by the extraction module to calculate a similarity degree therebetween; a recognition module configured to recognize a commodity of which the similarity degree is higher than a threshold value as a commodity candidate from the commodities registered in a dictionary; a determination module configured to determine the instruction information associated with the commodity candidate; and a display control module configured to selectably display each commodity candidate recognized by the recognition module if it is determined that the instruction information instructing not to execute the automatic determination is associated. | 2015-01-22 |
20150026019 | INVENTORYING ITEMS USING IMAGE DATA - A method, system and computer-readable medium are provided for generating and maintaining a catalogue of belongings for a user. The method includes the steps of receiving image data from a user, the image data containing images of one or more items of belonging; identifying one or more items from the image data, determining information regarding the identified one or more items, and adding at least one of the identified one or more items and information regarding the at least one of the identified one or more items to a catalogue of belonging for the user. | 2015-01-22 |
20150026020 | Computer-Implemented Systems and Methods for Providing an Out of Stock/Low Stock Alert - Systems and methods are provided for a low stock product display alert system. A system includes a pushing element configured to push one or more products toward a front of a shelf as a unit of the product is removed from the shelf. The system also includes an RFID component, where the RFID component is configured to be in a dormant state when the pushing element is in a first position. The system further includes an activation element configured to activate the RFID component when the pushing element is in a second position, where when activated, the RFID component is configured to emit a signal indicating that the product display is out of product. | 2015-01-22 |
20150026021 | Computer Implemented Reporting System and Method - A computer-implemented system is provided for managing a commercial entity and providing reports. The system comprises a cloud-based reporting component configured to receive transaction-related data from at least one electronic device located at the entity; process the transaction-related data to generate a cash-sheet reconciliation report; communicate at least a portion of the pre-processed or processed data to an accounting component; and provide the cash sheet reconciliation report to a user associated with the entity. The electronic device could be a Point-of-Sale device, cash register, refrigeration apparatus, identity-verification apparatus, or security-related device. The system can be further configured to receive non transaction-related data relating to the entity, in respect of an environmental factor, the status of a device, an employee or other person, or a customer. The system provides an intermediary component which replaces the role of a book keeper by integrating the data from the devices with an accountancy software component. | 2015-01-22 |
20150026022 | BILLING DEVICE AND PROCESSING METHOD - A billing device and processing method is disclosed. In one embodiment, the method includes i) collecting a billing log according to performing a biz template at the business logic processing unit, ii) verifying validity of the collected billing log, iii) performing a standardizing process on the verified billing log, iv) generating billing data by applying a predetermined billing policy according to the standardized billing log, v) generating a billing file (MDR) to transmit to a billing legacy system of a mobile communication system using the generated billing data and vi) transmitting the generated billing file (MDR) to the billing legacy system. | 2015-01-22 |
20150026023 | METHODS AND APPARATUS FOR ADAPTIVE MULTISENSOR ANALISIS AND AGGREGATION - The present invention is directed to a self consistent method for adaptive implementation of overflying multi sensor measurements and derivation of conclusions and determinations “agregants”, derived and/or developed from the measured results and/or resulting from science-based processing design to integrate and process the measured results and other data and scientific knowledge. Furthermore, the aggregants may be pertinent to determination of status and proactive management models of the at least one distributed resource by a single or repeatable implementation of one or several steps. | 2015-01-22 |
20150026024 | SYSTEMS FOR MANAGING ACCOUNT AGGREGATORS ACCESS TO FINANCIAL ACCOUNT INFORMATION - Embodiments of the invention are directed to apparatus, methods, and computer program products for determining and notifying a user, herein a financial institution customer, as to which account aggregators currently have been granted permission to access accounts held by the customer at the financial institution. In addition to notifying the customer of the current status of account aggregator access, the present invention provides the customer, through an online or mobile banking application or the like, a comprehensive tool for managing the access granted to all of the account aggregators that are determined to currently have permission to access the customer's accounts. | 2015-01-22 |
20150026025 | REMOTE CONTROL FOR ONLINE BANKING - Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device. | 2015-01-22 |
20150026026 | RESTRICTED ACCESS TO ONLINE BANKING - Disclosed is a system and associated method for restricting access to a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for determining that a computing device has initiated a first online banking transaction associated with the customer's online banking account. If the first online banking transaction is within a first restricted transaction definition and if the computing device is not enrolled with the customer's online banking account, geographic location information associated with the computing device and geographic location information associated with a first mobile device enrolled with the customer's account are received. The module determines whether the location of the computing device is proximate to a predefined location and/or whether the location of the computing device is proximate to the location of the first mobile device. | 2015-01-22 |
20150026027 | FRAUD DETECTION AND ANALYSIS - Systems and methods comprise a platform including a processor coupled to a database. Risk engines are coupled to the platform and receive event data and risk data from data sources. The event data comprises data of actions taken in a target account during electronic access of the account, and the risk data comprises data of actions taken in a accounts different from the target account. The risk engines, using the event data and the risk data, dynamically generate an account model that corresponds to the target account, and use the account model to generate a risk score. The risk score represents a relative likelihood an action taken in the target account is fraud. A risk application coupled to the platform includes an analytical user interface that displays for the actions in the target account at least one of the risk score and event data of any event in the account. | 2015-01-22 |
20150026028 | Method for listing and trading a futures contract that has a daily mark to market against an index therefore allowing interest rate swaps to be substituted by constant maturity futures contracts. - A method for trading an index based on a notional contract using a futures contract where the futures contract is marked to the value of the index on a daily basis rather than only on expiry of the future. In one aspect of the invention the futures contract can be further adapted to have no expiry date, and the mark-to-market used to tie the contract to the underlying market. This construction is particularly useful when trading interest rate products, where the interest rate sensitivity of the International Money Market Dates for expiry changes the nature of the hedge. | 2015-01-22 |
20150026029 | LARGE BLOCK TRADING - Systems and methods for administering trade orders are described. An embodiment comprises receiving, from a first server operated by a first trader, a communication including a first trade order and one or more selection criteria, the first trade order including at least one of a specified instrument, a specified quantity, and a specified price; determining that a database of trade orders does not contain a trade order matching the first trade order; identifying a plurality of traders satisfying the selection criteria; sending, to a plurality of second servers, a query including at least one of the specified instrument, the specified quantity, and the specified price; receiving, from a one of the plurality of second servers operated on behalf of a second trader, a positive response to the query; and facilitating execution of a trade between the first trader and the second trader for the specified instrument at the specified price. | 2015-01-22 |
20150026030 | SYSTEM AND METHOD FOR TRADING FINANCIAL INSTRUMENTS BASED ON UNDISCLOSED VALUES - In electronic trading venues, there may be orders for which the full information is not publicly displayed. For example, the full quantity of an order available for trading or the most aggressive price at which an order can be traded may not be made public. A system and method are disclosed that facilitates trading based on this non-public information. A first order associated with a financial instrument is placed at a venue to probe for non-public information related to the financial instrument. The results of the probe may then be used to place a second order at the venue that takes advantage of any discovered non-public information. | 2015-01-22 |
20150026031 | Method of Negotiating Currency Exchanges - A method of negotiating currency exchanges is provided as a means of allowing users to search for currency offers and negotiate exchange prices through a currency exchange network. The currency exchange network facilitates currency exchanges by serving as an intermediary that helps users find currency exchange offers near them, negotiate prices for the currency exchange, and rate users following the completion of the currency exchange transaction. The method permits users to search for available currency offers based on location parameters. Additionally, the method allows users to submit currency exchange offers viewable by all users of the network or by select group of trusted users. Furthermore, the method permits users to transfer existing contact groups from partenered social networks to populate their list of trusted contacts. | 2015-01-22 |
20150026032 | MARKET TRADING - An interaction facilitating platform conveys interactions between an individual investor and one or more traders to establish a binding agreement that can define investments made with the individual investor's funds based upon the one or more trader's transactions in a market. | 2015-01-22 |
20150026033 | EFFICIENT SELF-MATCH PREVENTION IN AN ELECTRONIC MATCH ENGINE - Protections against self-matching trade orders are disclosed which maximize liquidity/efficiency by reducing/minimizing unnecessary cancelations and/or resubmissions. Rather than automatically cancel or modify the incoming and/or self-matching counter orders, those resting counter orders, which would result in the occurrence of a self-match with an incoming order, are placed in a hold state or otherwise set aside such that the incoming order may be matched with other non-self-matching orders. The held orders are subsequently returned to the order book at the same, or different, priority to await a subsequent incoming order. Where the incoming order is not fully satisfied, only self-matching counter orders are identified or the return of held orders would result in a crossed order book, a trader may include instructions with the incoming order directing the system to cancel the self-matching resting orders, cancel the incoming order, decrementing the quantity of the larger of the incoming and self-matching resting orders by the quantity of the smaller thereof, or take some other action. | 2015-01-22 |
20150026034 | Financial Systems and Methods for Increasing Capital Availability by Decreasing Lending Risk - Some embodiments provide a guarantor system for backstopping all or a substantial portion of a lender's portfolio of loans with an insurance guarantee. The guarantor system builds the insurance guarantee into the covered portion of the lender's portfolio in an integrated manner, whereby the overhead cost for insuring the loans of the portfolio is distributed across the portfolio instead of being distributed individually to each borrower based on the individual borrower's risk profile. Some embodiments also provide various monitoring services to reduce lender risk. These include contacting the borrower to remind the borrower of upcoming payments that are due, conducting a quasi-audit of the borrowers to inform the lenders of a potential risk of default, and establishing a credit profile for the borrower using the information collected as part of the quasi-audit. | 2015-01-22 |
20150026035 | DATA ANALYTICS MODEL FOR LOAN TREATMENT - Data analytics are provided in loan treatment. Various sources of data may be used to optimize or predict value for a loan. Using machine-learning and/or statistical analysis, loans or treatment best suited for a particular borrower may be determined. Due to the large amounts of data available, borrower behavior may be learned from previous behavior of others and mapped to a predictive model. Machine-learning indicates the most relevant factors in loan treatment, providing a matrix for predicting loan value or treatment success. A given borrower may be classified into one of many classes of borrower based on credit information, property information, desired loan information, real estate market information, and/or other data. Tens, hundreds, or even thousands of variables may be used to predict the optimum treatment. | 2015-01-22 |
20150026036 | SYSTEMS AND METHODS FOR MICRO-FACTORING AN INVOICE - Systems and methods for micro-factoring an invoice are provided. A method is disclosed that includes receiving an invoice from a seller to a buyer, wherein the invoice includes an invoice amount; determining an advance amount using the invoice amount and a credit grade of the seller, wherein the advance amount is less than the invoice amount; sending, from the computer, to a payment gateway, at a first time, the advance amount to the seller; receiving, at the computer, from the payment gateway, at a second time, a payment of the invoice amount from the buyer, wherein the second time is greater than the first time; in response to receiving the payment of the invoice amount from the buyer, determining a remainder payment using the invoice amount and the advance amount; and sending, from the computer, to the payment gateway, the remainder payment to the seller. | 2015-01-22 |
20150026037 | SYSTEM, METHOD AND APPARATUS TO PROVIDE A MULTI-CHANNEL RETAIL LAYAWAY SERVICE USING PHYSICAL RETAIL POINT-OF-SALE AND ON-LINE VIRTUAL PAYMENT SYSTEMS - A system, method and apparatus for facilitating a value exchange transaction and virtual payment system to provide retail layaway services. A registered buyer may use an on-line retail channel or a physical retail channel to form a layaway contract. The buyer simultaneously executes a debit and credit transaction at an on-line retail or physical retail channel to purchase one or more ordered items from registered or non-registered sellers while making an initial down payment. The items are then shipped to a secure storage facility for the duration of the layaway contract period making the retail sales final. Upon completion of the terms of the formed layaway contract, the ordered items are shipped from the secure storage facility | 2015-01-22 |
20150026038 | LOAN ORIGINATION SYSTEM - A customizable loan origination technique performed by a computing device including one or more tangible computing elements. The technique includes accepting plural sets of rules for approving or disapproving loans, accepting information related to at least one set of rules of the plural sets of rules from at least one dealer, applying at least the one set of rules to the information to decide whether to approve or disapprove a loan, and providing approval or disapproval of the loan to the dealer. In some aspects, one or more of the rules are based on predefined and/or customized parameters. Also, systems configured to perform the technique. | 2015-01-22 |
20150026039 | SYSTEM AND METHOD FOR PREDICTING CONSUMER CREDIT RISK USING INCOME RISK BASED CREDIT SCORE - Systems and methods are described for scoring consumers' credit risk by determining consumers' income risk and future ability to pay. Methods are provided for measuring consumers' income risk by analyzing consumers' income loss risk, income reduction risk, probability of continuance of income, and economy's impact on consumers' income. In one embodiment, a method is provided to evaluate an individual's creditworthiness using income risk based credit score thereby providing creditors, lenders, marketers, and companies with deeper, new insights into consumer's credit risk and repayment potential. By predicting consumers' income risk and the associated creditworthiness the present invention increases the accuracy and reliability of consumers' credit risk assessments, results in more predictive and precise consumer credit scoring, and offers a new method of rendering a forward-looking appraisal of an individual's ability to repay a debt or the ability to pay for products and services. | 2015-01-22 |
20150026040 | METHOD AND SYSTEM FOR SECURE ONLINE PAYMENTS - Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit card grantor/issuer and/or a credit information entity (e.g., a credit bureau), in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account. | 2015-01-22 |
20150026041 | TRANSACTION FLOW CONTROL USING CREDIT AND TOKEN MANAGEMENT - Embodiments of a local interface unit are disclosed that may allow for managing credits and tokens as part of flow control method. The local interface unit may include a transmit unit and a receive unit. The transmit unit may be configured to receive credits and tokens, determine an available number of credits based on the number received tokens, determine an available number of tokens based on the number of received tokens, and send the available credits to an arbitration unit. The available credits may then be updated, by the transmit unit in response to receiving a selected transaction from the arbitration, and the transmit unit may then transmit the selected transaction, and update the available credits and the available tokens once the transaction has been sent. The receive unit may be configured to send credits and tokens to a transmit unit, and receive a transaction sent by a transmit unit. | 2015-01-22 |
20150026042 | SYSTEM AND METHOD FOR ELECTRONIC CASH-LIKE TRANSACTIONS - An electronic money system where ownership of each cent of properly created and labeled electronic money is manifested and confirmed by the ability of a client to change specific secret content in pre-determined field assigned to said cent of electronic money. Said ability is granted upon demonstration of knowledge of the current content of said pre-determined field. An electronic money system capable of purchases, transfers, deposits and remittances with anonymity and convenience similar to ordinary cash. An electronic system whose enabling client computational resources can be downloaded as a software application and can be operated under yearly subscription fee. | 2015-01-22 |
20150026043 | METHOD AND APPARATUS FOR COMPETITIVE RESOLUTION OF CREDIT CARD PROCESSING TASKS - Methods and apparatus for competitive resolution of credit card transactions are provided. Banks are invited to bid to perform a transaction, initiated by the new existence of a credit card-processing to be performed. The successfully bidding bank is awarded the benefits and obligations of completing the credit card processing. | 2015-01-22 |
20150026044 | METHOD, PROTOCOL AND SYSTEM FOR UNIVERSAL SENSOR COMMUNICATION - A system, protocol, network and method are herein provided. In some embodiments a system is provided for smart sensor management, including multiple sensor devices, each device being configured with an open platform API, an API integration layer, an open sense platform (OSP), and an interface layer. | 2015-01-22 |
20150026045 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR REPORTING CONTACTLESS TRANSACTION DATA - Systems, methods, and computer-program products are provided reporting contactless transaction data. A request for report data is received. First record data associated with a first type of event is received from a first server. Second record data associated with a second type of event is received from a second server. The first record data and the second record data are stored. At least a portion of the first record data associated with a transaction identifier (ID) and at least a portion of the second record data associated with the transaction ID are collated as third data. Report data, including at least a portion of the third data, is transmitted as to a communicatively coupled apparatus the report data. | 2015-01-22 |
20150026046 | PORTABLE MULTI-FUNCTION DEVICE WITH MULTIPLE TRANSACTION ACCOUNTS - A portable multi-function device with data memory for storing a plurality of transaction applications, each of the transaction applications configured to make payment in a transaction; program storage comprising instructions to use a selected transaction application to make payment in the transaction; and processing circuitry for performing the instructions in the program storage to use the selected transaction application to execute the transaction. | 2015-01-22 |
20150026047 | Automated Pairing of Payment Products and Mobile to Mobile Devices - A computer receives card transaction data in response to a transaction using a financial services card. The card transaction data identifies at least a location, date, and time associated with the transaction. Upon receiving the card transaction data, the computer compares the card transaction data with telematics information associated with a vehicle equipped with a telematics device. The telematics information identifies at least a location of the vehicle, and a time and date associated with the location of the vehicle. On the basis of the comparison, the computer determines if the location of the transaction substantially matches the location of the vehicle at the time and date of transaction. Responsive to determining a substantial match, the computer associates the financial services card with the vehicle. | 2015-01-22 |
20150026048 | ELECTRONIC CARGO PAYMENT SYSTEM - Embodiments of the disclosure generally relate to an electronic cargo payment system and methods for electronically and automatically processing electronic payments for goods shipped by carriers for shippers. In embodiments, the accounts receivable system of the carrier transfers one or more invoices to a central payment system. The central payment system stores and organizes the invoices. A shipper communicates with the central payment system to view invoices related to that shipper. Upon approval of the invoice, the central payment system can automatically pay the invoice for the shipper and to the carrier. | 2015-01-22 |
20150026049 | Third-Party Value Added Wallet Features and interfaces Apparatuses, Methods and Systems - The THIRD-PARTY VALUE ADDED WALLET FEATURES AND INTERFACES APPARATUSES, METHODS, AND SYSTEMS (“VAW”) facilitates allowing a third party service provider to integrate with an electronic wallet to provide a value-added service to a wallet consumer. The VAW may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet. | 2015-01-22 |
20150026050 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR REPORTING CONTACTLESS TRANSACTION DATA - Systems, methods, and computer-program products are provided for managing contactless transaction data. A tap event is performed when a contactless communication module is communicatively coupled to a reader. A transaction identifier (ID) corresponding to the tap event is generated. First and second event data is transmitted to the reader. The first event data is associated with a first application, and the second event data is associated with a second application. First record data is generated from at least a portion of the first event data. Second record data is generated from at least a portion of the second event data. The transaction ID is assigned to each of the first record data and the second record data. The transaction ID and the first record data are transmitted to a first server. The transaction ID and the second record data are transmitted to a second server. | 2015-01-22 |
20150026051 | SYSTEM, METHOD AND ARTICLE OF MANUFACTURE FOR FACILITATING INSTANTANEOUS CASH DEPOSIT - The present disclosure relates to a financial instrument having a monetary value associated with it and a system and method for using such financial instrument. The financial instrument is generated by a bank and further issued to a retailer for further distribution. The customer who wishes to deposit a cash amount into a specific bank account in the offline environment may buy such financial instrument from the retailer's location. At the time of buying, the financial instrument is activated by the bank's server (system) upon authentication of retailer's and customer's identity. After activation, the retailer/customer may initiate the deposition of the cash amount by redeeming the financial instrument. The redemption may be carried out by various authentication techniques. Once the retailer and the customer are successfully authenticated, the cash amount is instantly deposited into the given bank account. The deposited cash amount is equivalent to the financial instrument purchased by the customer. | 2015-01-22 |
20150026052 | METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR FACILITATING A REMOTE DEPOSIT TO A PREPAID CARD ACCOUNT - Methods, systems, and computer readable media for facilitating a remote deposit to a prepaid card account are disclosed. In one example, the method includes receiving, via an application programming interface (API) supported by a central switch node, a web based service message containing a load request from an acquiring entity. The method further includes utilizing, at the central switch node, the load request to identify an issuing entity that hosts a prepaid card account associated with the load request from among a plurality of issuing entities and communicating the load request from the central switch node to the issuing entity. | 2015-01-22 |
20150026053 | ONLINE BANKING ALERTS - Disclosed is a system and associated method for providing alerts regarding a customer's online banking account. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently determining whether a computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and transmitting a notification that the computing device has engaged in the predefined online banking transaction to the mobile device based on determining that (i) the computing device has engaged in a predefined online banking transaction associated with the customer's online banking account and (ii) the mobile device is associated with the customer's online banking account. | 2015-01-22 |
20150026054 | CUSTOMER-DEFINED ONLINE-BANKING ACCESS RESTRICTIONS - Disclosed is a system and associated method for restricting access to a customer's online banking account based on customer-defined online-banking access restrictions. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for initially associating a mobile device with the customer's online banking account. In addition, the module is typically configured for subsequently receiving a restricted transaction definition from the mobile device, the restricted transaction definition defining a first restricted transaction associated with the customer's online banking account; searching a database of records to determine if the mobile device is associated with the customer's online banking account; and creating a restricted transaction record based on determining that the first mobile device is associated with the customer's online banking account, the restricted transaction record including the first restricted transaction definition. | 2015-01-22 |
20150026055 | OFFLINE MOBILE BANKING SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution. | 2015-01-22 |
20150026056 | COMPLETING MOBILE BANKING TRANSACTION FROM TRUSTED LOCATION - Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) receive input relating to user-designated trusted locations for completing a mobile banking transaction, (b) receive input from the user relating to a transaction request, (c) determine whether the mobile device is located at a trusted locations, and (d) complete the transaction request; or store the transaction request in a queue for mobile banking transactions on the mobile device. | 2015-01-22 |
20150026057 | COMPLETING MOBILE BANKING TRANSACTION WITH DIFFERENT DEVICES - Embodiments of the present invention relates to systems, computer-implemented methods, and computer program products for completing a mobile banking transaction at a trusted location. In some embodiments, the system is configured to: (a) initiate, via a mobile device, a transaction request for a mobile banking transaction; (b) store the transaction request for the mobile banking transaction in a queue for mobile banking transaction requests; (c) retrieve from the queue, using a computing device, the transaction request for the mobile banking transaction, wherein the computing device is different from the mobile device; and (d) complete, using the computing device, the transaction request for the mobile banking transaction. | 2015-01-22 |
20150026058 | Payment System - A payment system for rapidly facilitating funds transfers from a payer to a payee. The payment system generally includes enrolling a payee with a payer, verifying the payee information, sending an introductory message to the payee, receiving an acceptance message from the payee, receiving a funds request message from the payee, depositing funds into a payee financial institution and sending a funds deposited message to payee. In an alternative embodiment, a customer initiated payment system allows customers to initiate payments to a merchant. | 2015-01-22 |
20150026059 | Money Lending Via A Mobile Device - This disclosure provides a method that allows a person to request money be deposited into his or her account via a request from a mobile device. The method includes receiving a monetary request associated with a person, wherein the monetary request includes a specified amount of money. Additionally, the method includes debiting a first account associated with the customer. Further, the method includes crediting a second account associated with the customer. And in response to the crediting, the method includes transmitting a confirmation. In some embodiments, debiting the first account associated with the customer includes transmitting a premium message to a wireless device associated with the customer. Additional embodiments include debiting the first account associated with the customer by transmitting a debit request to a third-party. | 2015-01-22 |
20150026060 | Financial Alert Management System Having A Mobile Interface - A Financial Alert Management System (“FAMS”) for reducing the occurrence of a non-payment event of a negotiable instrument listing a monetary amount at a first financial institution (“1 | 2015-01-22 |
20150026061 | REAL TIME ANALYTICS SYSTEM - Improved real-time analytics systems are provided. An analytics system may be used to generate transaction scores for transactions. A method may comprise receiving a scoring request associated with a transaction, sending the scoring request to a plurality of scoring models including a production model, wherein each scoring model is operable to generate a transaction score in response to the scoring request, and wherein each scoring model may be implemented using a virtual machine, receiving a transaction score generated by the production model, and sending the transaction score to a server for approval or denial the transaction. | 2015-01-22 |
20150026062 | PAYMENT COLLECTION, AGGREGATION AND REALIZATION APPARATUSES, METHODS AND SYSTEMS - The payment collection, aggregation and realization apparatuses, methods and systems receive a communication message including a payment indication to transfer a payment amount to a payee; determine the communication message is originated from a user compute device before the user has registered with the payment system; obtain, from the communication message, a reference identifier referencing the user; generate a temporary profile including the reference identifier and information relating to the payment indication; receive, subsequent to receiving the communication message, payment account information of the user after registration of the user with the payment system; and automatically initiate a payment transaction for the payment indication from the temporary profile based on the payment account information. | 2015-01-22 |
20150026063 | TIME-VARYING SECURITY CODE FOR ENABLING AUTHORIZATIONS AND OTHER USES OF FINANCIAL ACCOUNTS - A portable device is provided that carries account data. The account data may include a security code having a value that is time-varying. The value of the security code may be programmatically varied based on at least one of an algorithm or event. Authorization and use of the account may be sought from an authorization agent using the account data provided on the portable device. | 2015-01-22 |
20150026064 | SYSTEM AND METHOD OF USING ELECTRONIC FUNDS TRANSFER TO COMPLETE PAYMENT FOR GOODS AND SERVICES - A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by a customer for purchase, determining a required payment amount for the items, obtaining identification information from the customer, obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information, creating a check image, sending a request for payment message providing access to the check image and the payment information to a mobile communication device of the customer using the contact information in the customer profile, and receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a | 2015-01-22 |
20150026065 | SYSTEM AND METHOD OF USING ELECTRONIC FUNDS TRANSFER TO COMPLETE PAYMENT FOR GOODS AND SERVICES - A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by a customer for purchase, determining a required payment amount for the items, obtaining identification information from the customer, obtaining contact information and payment information, including bank account information and bank routing number information, from a customer profile associated with the identification information, creating a check image, sending a request for payment message providing access to the check image and the payment information to a mobile communication device of the customer using the contact information in the customer profile, and receiving a reply message from the mobile communication device authorizing payment for the items via electronic funds transfer and including a 2D barcode containing the check image and the payment information. | 2015-01-22 |
20150026066 | User Terminal Location Based Credit Card Authorization Servers, Systems, Methods and Computer Program Products - Credit card transaction servers, systems, methods and computer program products receive information concerning a prospective credit card transaction with one of multiple credit card issuers and obtain location information from multiple wireless network providers for wireless terminal(s) that are associated with a user of the credit card for the prospective credit card transaction. The locations of the credit card transaction terminal(s) and the locations of the wireless terminal(s) are correlated, and authorization information for the prospective credit card transaction is generated based upon this location correlation. | 2015-01-22 |
20150026067 | Payment Card Terminal For Mobile Phones - Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server. | 2015-01-22 |
20150026068 | FOCUS-BASED CHALLENGE-RESPONSE AUTHENTICATION - A method for authenticating an access attempt includes detecting an access attempt by a user device over a network. A challenge-response authentication is provided over the network to the user device. The challenge-response authentication includes an image having a plurality of image objects. The challenge-response authentication is operable to display the image such that at least one of the plurality of image objects is in focus and at least one of the plurality of image objects is not in focus. In response to providing the challenge-response authentication, an authentication response is received from the user device over the network, and it is determined whether the authentication response includes an indication of the at least one of the plurality of image objects that is in focus to determine whether to authenticate or deny the access attempt. | 2015-01-22 |
20150026069 | METHOD AND APPARATUS FOR TRACKING DOCUMENTS - A method and apparatus are provided for tracking documents. The documents are tracked by simultaneously monitoring each document's electronic processing status and physical location. Determinations are made whether specific combinations of electronic processing states and physical locations are valid and whether specific movements of documents are permitted. Invalid combinations or movements are reported to a reporting station. The preparation of batches of documents prior to scanning may be monitored and operator metrics related to the batch prep process may be tracked. Exception documents rejected during document processing may be monitored to enable retrieval of such documents. | 2015-01-22 |
20150026070 | SYSTEMS AND METHODS FOR CORRELATING CARDHOLDER IDENTITY ATTRIBUTES ON A PAYMENT CARD NETWORK TO DETERMINE PAYMENT CARD FRAUD - A method and system for correlating cardholder identity attributes on a payment card interchange network using a computer device coupled to a database are provided. The method includes storing at a central store, personally identifiable information from an issuer for a plurality of payment card cardholders, the personally identifiable information encrypted to prevent payment card transaction data from being associated with the personally identifiable information, receiving, from a merchant, personally identifiable information during a payment card transaction, encrypting the received personally identifiable information, and comparing the encrypted stored personally identifiable information to the encrypted received personally identifiable information to determine a risk of fraud during the payment card transaction. | 2015-01-22 |
20150026071 | SMARTCARD TO VIRTUAL MEDIA CONVERSION - In one embodiment, a method for converting a smartcard into a virtual media in a transit system is provided. The method includes reading data from a smartcard. The data includes product information related to a transit product stored on the smartcard. The data is communicated to a smartcard management system such that the smartcard management system may create a record of the smartcard. The data is also communicated to a ticket management system. An indication of the creation of an account from the ticket management system is received. The account includes a unique account identifier and the data. An input from a contactless media is received. The input includes an identifier of the contactless media. The identifier is communicated to an authorization service. A token created by the authorization service is received. The token is associated with the identifier. The token is communicated to the ticket management system | 2015-01-22 |
20150026072 | GLOBAL WORLD UNIVERSAL DIGITAL MOBILE AND WEARABLE CURRENCY IMAGE TOKEN AND LEDGER - Provided are computer implemented methods and systems for using a global world universal digital mobile and wearable currency. The method commences with receiving a transfer request. The transfer request is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency. The transfer request includes at least a sender account, a recipient account, and the amount. The method continues with transferring the amount from the sender account to the recipient account based on the transfer request. | 2015-01-22 |
20150026073 | SYSTEMS AND METHODS FOR GENERATING CUSTOMER SOLUTIONS - Implementations described and claimed herein provide systems and methods for generating customer solutions using real-time information for new customer sales and/or current customer support. In one implementation, technical infrastructure data for a provider network is retrieved from one or more databases. The technical infrastructure data represents network assets and capabilities. Location information is obtained for at least one customer site. A product selection including a set of design attributes for one or more telecommunication products is received. A network access point for providing the one or more telecommunication products is determined based on a correlation of the technical infrastructure data with the location information. A configuration for the at least one customer site is generated based on the product selection. A design is generated based on the network access point and the at least one configured customer site. | 2015-01-22 |
20150026074 | CONSUMER-CENTRIC PRODUCT WARRANTY MANAGEMENT SYSTEM - Consumer-centric communications-enabled portable, preferably tablet or smartphone-based, systems, methods and apparatus for product registration and warranty activation, and for product warranty management. | 2015-01-22 |
20150026075 | CONTROL OF CRM DATA BASED ON SPREADSHEET ACTIONS - Technologies are generally provided for controlling customer relationship management (CRM) data through actions in a spreadsheet application. A spreadsheet application may be configured to enable CRM data to be imported from a CRM application and to enable the CRM data to be manipulated employing native spreadsheet capabilities. A CRM application pane may be displayed within the spreadsheet application to enable data to be selected to be imported into the spreadsheet application. The CRM application pane may also display additional CRM information related to selected content displayed within the spreadsheet application. The CRM application pane may further enable collaborative functionalities such as communication with other users associated with the CRM application, taking notes and scheduling tasks, as some examples. Data changes made within the spreadsheet application may be saved and exported back to the CRM application. | 2015-01-22 |
20150026076 | System and Method for Providing Customer Guidance in Deploying a Computing System - A system and method for helping customers install a modular computing system is provided. In some embodiments, the method comprises determining, using a computing system, whether all components of a modular computing system have been received by a customer. Based on determining that not all the components of the modular computing system have been received by the customer, it is determined whether the modular computing system can be incrementally deployed. A customer instruction for incrementally deploying the modular computing system is provided at a display device. A communication link is established with a component of the modular computing system. Communications directed over the communication link are used to determine whether a customer correctly performed the provided customer instruction. In one such embodiment, the determining of whether the modular computing system can be incrementally deployed includes determining whether a minimum resource requirement is met. | 2015-01-22 |
20150026077 | Centralized Method for Customer Assistance and System Verification - A system and method for providing customer guidance in deploying a modular computing system is provided. In some embodiments, the method comprises receiving a shipping container identifier. A computing system is used to determine, based on the shipping container identifier, that a component of the modular computing system has been received by a customer. It is determined whether the modular computing system can be deployed based on the component having been received by the customer. An indicator is provided of whether the modular computing system can be deployed. An instruction is provided for deploying the modular computing system, and a diagnostic procedure is performed on a deployed component of the modular computing system. In one such embodiment, the diagnostic procedure determines whether the instruction was correctly performed. | 2015-01-22 |
20150026078 | GENERATING AND PROVIDING AN AUTHORIZATION INDICATION IN RELATION TO A MEDIA CONTENT ITEM - Systems and methods are disclosed for generating and providing an authorization indication in relation to a media content item. In one implementation, a processing device receives, from a first entity, a selection of a first media content item, the first media content item being associated with a media content provider. The processing device generates, in relation to the first media content item, an authorization indication, the authorization indication reflecting an authorization of the first entity to provide the first media content item in relation to a media sharing service. The processing device provides the authorization indication. | 2015-01-22 |
20150026079 | SYSTEMS AND METHODS FOR DETERMINING PACKAGES OF LICENSABLE ASSETS - In accordance with some embodiments, systems and methods provide for assembling a patent package for a product by analyzing text descriptive of the product, determining a plurality of patents which are relevant to the product and determining a subset of the patents to be licensed patents and the remainder to be not licensed patents. In accordance with some embodiments a relevancy score may be determined for each of the patents determined to be relevant and a portion of a price for the patent package may be apportioned to each patent in the patent package based on the relevancy score of the patent. In accordance with some embodiments, the portion of the price for a patent may be determined to be a license royalty if the patent is a licensed patent and an amount of premium for future financial aid if the patent is a not licensed patent. | 2015-01-22 |
20150026080 | METHODS AND APPARATUS FOR TITLE PROTOCOL, AUTHENTICATION, AND SHARING - A title management apparatus resident on a first computer including a memory for storing a control program and data, and a processor for executing the control program and for managing the data. The apparatus includes a title object resident in the memory including a title structure, the title structure further comprising a content element, a set of attributes, and a set of title object security indicia. The apparatus further includes an authorization structure configured to selectively redeem the content element based at least in part on the user security indicia, and further configured to use a set of protocols. The apparatus also includes a title management structure configured to associate a user with the title object based at least in part on the user data and the title attributes. | 2015-01-22 |
20150026081 | METHOD AND SYSTEM FOR MANAGING STANDARDS - A method and system are disclosed for automatically managing standards. In one implementation, information pertaining to a particular project is obtained, which includes a set of standards selection parameters. A repository is also accessed. This repository includes metadata for a plurality of standards, wherein the metadata for a standard includes a description and one or more applicability parameters. Based upon the standards selection parameters and the metadata, a set of standards that apply to the particular project is determined. For each standard in the set of standards, a description is extracted from the repository. Using the extracted descriptions, a project description for the particular project is generated that includes the extracted descriptions. By doing this, the method and system relieve a project builder of the burden of having to manually incorporate standard description information into a project description. This in turn helps to reduce the potential for error. | 2015-01-22 |
20150026082 | Process for Automating Compliance with Know Your Customer Requirements - The disclosure relates to a process for verifying the identity of the user submitting information to an online application portal for a business and verifying that he is a legal representative of that business. Using the process, a lender can calculate scores, which will allow a lender to verify with some certainty that the user is authorized to submit the application. This verification is necessary for compliance with lending regulations. The disclosure is directed toward loan transactions for small businesses. | 2015-01-22 |
20150026083 | Generating Connection Map for Intelligent Connections in Enterprises - A user establishes a profile with an enterprise intelligence system. The user specifies a watchlist identifying entities such as members and/or enterprises in which the user is interested. The user also specifies recommendation criteria specifying the types of recommenders to use to identify connections with the entities. The recommenders are used to identify attributes in common between the user and members, and to generate a connection map describing social connections between the user and the members based on the common attributes. A recommendation model for the user generates decision aiding information. The connection map is organized and presented to the user based on the generated decision aiding information. User interactions with the connection map are observed and the recommendation model is updated based on the observed interactions. A pattern of recommenders preferred by the user is learned from the observed interactions, and is used to guide future decision making. | 2015-01-22 |
20150026084 | SYSTEM AND METHOD FOR PROVIDING AUTOMATED CLOTHING FASHION RECOMMENDATIONS - A client-server social-network for providing automated clothing suggestions. Fashion interested users form social networks, upload records of their respective wardrobes and fashion preferences, and display their wardrobe items and outfits other members of the network, often displaying entire outfits using customizable virtual mannequins. The social network members can evaluate the fashion merits of both their outfits and their friend's outfits, and the system will further store data pertaining to the social network group's fashion assessments. The system may also make statistical inferences as to what types of clothing may be favored and disfavored by the user's social network group, and present these recommendations to the user. Other factors, such as weather, event type, and user's recent history of wearing various wardrobe items can also be considered. The system can additionally assist in shopping and gift giving, provide fashion related games, spot fashion trends, and provide advanced data for fashion suppliers. | 2015-01-22 |
20150026085 | GENERATING A CURRICULUM VITAE UPDATE REPORT - In a method for compiling information suitable for assisting in creating or updating curriculum vitae (CV), a processor analyzes a plurality of entries to determine that one or more entries of the plurality of entries contains information relevant to creating or updating a CV. A processor organizes the one or more entries containing information relevant to creating or updating a CV. A processor generates a report suitable for assisting in creating or updating a CV using the entries organized into the one or more topics. | 2015-01-22 |
20150026086 | SYSTEMS AND METHODS FOR PROVIDING A VIRTUAL STAFFING AGENCY - This disclosure provides systems and methods for providing a virtual staffing agency that enables a real-time intelligent job placement. The virtual staffing agency allows a client to create an assignment using its computing device and submit the assignment to a server. Subsequently, the client can receive, at its computing device from the server, a list of candidate personnel suitable for the assignment. In response, the client can select one or more candidate personnel from the list and wait for the selected candidate personnel to accept the assignment. The selected candidate personnel can accept, reject, or provide a counter offer to the assignment. Once the candidate personnel accept the assignment, a contract is formed and the personnel can perform the assignment, thereby allowing the client to fulfill job assignments in a real time, flexible, and intelligent manner. | 2015-01-22 |
20150026087 | GENERATING A CURRICULUM VITAE UPDATE REPORT - In a method for compiling information suitable for assisting in creating or updating curriculum vitae (CV), a processor analyzes a plurality of entries to determine that one or more entries of the plurality of entries contains information relevant to creating or updating a CV. A processor organizes the one or more entries containing information relevant to creating or updating a CV. A processor generates a report suitable for assisting in creating or updating a CV using the entries organized into the one or more topics. | 2015-01-22 |
20150026088 | CRIME ASSESSMENT TOOL AND METHOD - Embodiments of the disclosure are directed towards a crime assessment tool and method for comparing and visualizing crime statistics in a manner such that an accurate assessment of safety in one area may be compared to the safety in another area. The crime statistics may be normalized based on a population basis and/or on crime severity. The areas for comparison may be specified at various levels, such as cities, neighborhoods, specific addresses, or the like. Trending information may be visually provided to aid in assessing the safety of different areas. | 2015-01-22 |
20150026089 | DELIVERING ORDERED ITEMS TO AN APPROPRIATE ADDRESS - A method, system, and computer-readable medium for automatically determining appropriate delivery information for one or more items of an order or potential order is described. A variety of types of information can be considered when determining what delivery information is appropriate for one or more items, such as a type of the items, the particular items, relationships of the items to other items, information about the purchaser, and/or information about the recipient. In addition, the automatic determination of an appropriate address for an item being ordered or potentially ordered by a user can be made in a variety of ways, such as based on inferences from past behavior when ordering items, on inferences from information about the item and from available delivery information for the user, and/or on previous explicit indications from the user. | 2015-01-22 |
20150026090 | Process of Combining Multiple Carriers for International Shipping - Disclosed is a method process of online rating for international import and export shipments. The rating combines multiple carriers together in order to provide one cohesive international service. The consumer can obtain a door to port or door to door rate when employing a pick up carrier, such as a trucking company, and an airline or ocean carrier as well as a destination delivery company. The method provide a real time monetary rate costs based upon the closest terminal and determines which terminal to terminal rate to use for the air or ocean portion as well as providing a pick up rate for that service. The process further estimates the multiple rate costs from various vendors associated with a shipment and stores these rate costs through a database to be used at a later date for verification. | 2015-01-22 |
20150026091 | METHODS AND SYSTEMS FOR PROVIDING DATA PACKAGES - Some embodiments relate to a method and system for creating a data package for one or more consumer services. The method includes displaying a number of consumer services through an information-retrieving interface to a user, and receiving a selection of at least one consumer service from the user. The method then searches for information corresponding to the at least one selected consumer service in a database. The information may include workflow information, an application procedure for the selected consumer service, form(s), supporting document(s), and experiences of other users. The method also includes creating a data package based on the results of the searching. Furthermore, the method includes presenting the data package associated with the at least one selected consumer service to the user. | 2015-01-22 |
20150026092 | SYSTEM AND METHOD FOR PROVIDING ASSISTANCE - A system is provided that provides customer service functions within a store location. In one implementation, an application is provided that executes on a customer's personal device (e.g., a cell phone) or other store systems (e.g., kiosks) that allows the customer to request assistance from store employees. Such requests may be made that identify a customer's location, and a customer assistance system determines appropriate employee(s) who may service the request. In one implementation, the system may be integrated with a task-based employee management system that communicates tasks to devices used by employees. | 2015-01-22 |