| 05th week of 2012 patent applcation highlights part 65 |
| Patent application number | Title | Published |
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| 20120030045 | Sales Tax Interface - An interface to be integrated with remote merchant financial transaction systems to streamline the sales tax collection process. The present invention provides online merchants, call centers, and the alike the ability to accurately collect and report sales tax to the proper tax entities of the state, city, county and local municipality levels. The present invention is able automatically to provide the sales tax percentage and or fees, or calculate such based on consumer locations provided by their billing or shipping addresses. With different commodities having different tax rates, a universal classification code is utilized to distinguish specific tax rates for each tax entity as well. The present invention provides merchants with the ability to report sales tax to a plurality of tax entities in a single transaction. All tax entities are paid the owed sales taxes and associated fees automatically by the sales tax interface on behalf of the merchants registered with the present invention. | 2012-02-02 |
| 20120030046 | System and Method for Buying and Selling Portions of a Composite good in an Electronic Marketplace - Described herein is an improved system and method for buying and selling portions of a composite good in an electronic marketplace. One method and system comprise communicating to a buyer a first good post associated with a seller, and communicating to a seller a “want to buy” post from the buyer, wherein the “want to buy” post is for a second good different from, but associated with, the first good. Another system and method comprise displaying online a want to buy post from a buyer, for a first good, and communicating to a buyer a seller offer for a second good, associated with the first good. | 2012-02-02 |
| 20120030047 | PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS - The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS (“PT”) transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order from a user. The PT queries a token database for issuer information on an issuer using the payment token information, and obtains the issuer information. The PT also determines that the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a mobile device of the user. Upon obtaining a response to the payment options request from the mobile device of the user, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer. | 2012-02-02 |
| 20120030048 | SYSTEM AND METHOD FOR ENABLING GLOBAL AND REMOTE FLASH SALE OR DAILY DEAL COMMERCE THROUGH UNSECURED ELECTRONIC CHANNELS - A system and method for enabling global and remote flash sale or daily deal commerce through unsecured electronic channels are provided. The system provides an innovative and new standard that not only enhances consumer convenience but also solves a large shortcoming by providing customers an alternative to online electronic purchasing for these types of offers. The system and method allows customers to receive and instantly purchase special offers in an entirely off-line fashion. | 2012-02-02 |
| 20120030049 | METHOD OF PROVIDING RENTAL AND PURCHASE MARKET FOR TEXTBOOKS - A method for renting a textbook from a seller through a rental and purchase exchange system, the method including the steps of: a provider computer monitoring seller sale list prices of textbooks; the provider computer collecting information on a value of the textbook listed for sale by the seller; the provider computer determining if the textbook listed for sale is rentable; if the textbook is rentable, the provider computer determining a rental price for the textbook for a determined period term of time and adding the rental price to the seller sale listing of the textbook; the provider computer determining if the textbook has been rented to a current renter; if the textbook has been rented to a renter, the provider computer sending instructions to the seller to ship the textbook to the current renter directly. A computer system, and computer program product are also discussed. | 2012-02-02 |
| 20120030050 | ELECTRONIC NOTIFICATION DEVICE AND ELECTRONIC NOTIFICATION METHOD - An electronic notification device ( | 2012-02-02 |
| 20120030051 | SYSTEM AND METHOD FOR RESELLING A PREVIOUSLY SOLD PRODUCT - A seller, having previously sold a product to an original purchaser subject to a buyout-provision condition, determines if the buyout-provision condition is satisfied. If the buy-out provision condition is satisfied, the seller retakes the product from the original purchaser and resells the product to a subsequent purchaser. | 2012-02-02 |
| 20120030052 | Method, System and Apparatus for Matching Sellers to a Buyer Over a Network and For Managing Related Information - A method and system for facilitating a transaction between a buyer and one of a number of sellers is provided. The transaction is related to a project specified by the buyer. A set of sellers is identified. A flow control process operates over a number of successive processing cycles. In each processing cycle, sellers are selected from the set for classification as sellers of a particular type (“Invited Sellers”). The Invited Sellers increase incrementally over the number of successive processing cycles. The system automatically enables at least one action carried out by the Invited Sellers in each processing cycle. The duration of the processing cycles can vary. The number of Invited Sellers selected in each processing cycle can vary. In one embodiment, the number of Invited Sellers selected in each processing cycle depends upon a number of offers that are submitted by Invited Sellers and received by the buyer. | 2012-02-02 |
| 20120030053 | Method and system for live online bidding and broadcasting of live online bidding utilizing a variety of electronic devices and systems - The present system and method allow for completely live online bidding utilizing a variety of electronic devices and systems. The present invention allows users to see and hear a live bidding event while bidding live on merchandise. The bidding happens live and in real time using a system that simultaneously and continuously receives, processes, prepares and broadcasts data in a live manner. | 2012-02-02 |
| 20120030054 | Lead Marketplace System and Method with Ping Campaigns - A lead marketplace system and method are provided. The lead marketplace system and method provides an auction for leads. | 2012-02-02 |
| 20120030055 | COMBINATORIAL PORTFOLIO AGGREGATIONS IN ELECTRONIC TRADE - A method for combinatorial portfolio aggregations in electronic trade transactions comprises receiving data associated with a demand for possession of a part of an item, receiving further data associated with one further demand for possession of the part of the item, aggregating the demand with one further demand for possession of the part of the item, posting the part of the item for bidding according to the aggregated demand, receiving data associated with an offer for possession of the part of the item for a period of time, receiving data associated with one further offer for possession of the part of the item, with the time period and the further period of time being non-concurrent, selectively aggregating the offer with the further offer into a portfolio offer for the part of the item, and based on predetermined criteria, determining that the portfolio offer is a winning portfolio offer. | 2012-02-02 |
| 20120030056 | Time-Varying Cost-of-Bid Electronic Auction System - A method of transacting sales over a computerized network defining a product desired to be purchased by a plurality of purchasers. A plurality of database records are produced and stored, each corresponding to a correlation between the product and a respective one of the purchasers. A cost-of-bid price is calculated in response to a first time rate at which the plurality of database records are accumulated in the database memory during the storing. The process is repeated to produce a cost-of-bid price that varies in time in response to the time rate of accumulation of the database records. | 2012-02-02 |
| 20120030057 | Automatic traffic generation for a faring system - A faring system includes a production facility including at least one fare shopping server, a staging facility including at least one fare shopping server, and an entry point for conducting bi-directional communications with customers. The staging facility further includes a database storing transformation rules and a traffic generation subsystem configured to receive a transaction via the entry point from a customer, to determine if the received request is one suitable for use in generating simulation data for the fare shopping server of the staging system and, if so, to modify the received transaction in accordance with at least one rule retrieved from the database to create at least one modified transaction, and to send the at least one modified transaction to the fare shopping server of the staging facility for processing. The fare shopping server of the staging facility processes the modified transaction for evaluating a potential new or modified functionality of the faring system. | 2012-02-02 |
| 20120030058 | METHODS FOR SELECTING, ORDERING, AND PURCHASING GLASS PRODUCTS - A system, apparatus and method for facilitating the selection, purchasing and ordering glass products, which is informative to guide a novice user in selecting a glass product, even where the glass is comprised of glass panels of more than one manufacturer, the present invention providing an apparatus with a processor which is controlled by software to facilitate a selection process which integrates the comparison of glass products and their properties, as well as, including particular properties of particular components of a glass product, the apparatus can work with a user input device, such as a keyboard or mouse, and is programmed to display graphics associated with selections and potential selections for glass products. The system and method providing selection menus for display on a display device and an animation graphic associated with a selection presented to the user. The system, apparatus, and method integrates the glass product selection information which the user chooses, and preferably the invention makes selections for the user, based on the user's previous choices and specified target performances to present to the user potential glass products. | 2012-02-02 |
| 20120030059 | Data Processing System For Providing An Efficient Market For Specialty Chemicals - II - A data processing system that facilitates the buying and selling of specialty chemicals. A uniform standard and specification is established for each specialty chemical that is being offered for sale via the system. The uniform standard and specification is advantageously supplier independent so that a prospective purchaser can directly compare offerings from different suppliers. A prospective purchaser defines a requirement for a specialty chemical that it wishes to purchase. The requirement, which defines acceptable ranges for the characteristics that make up the standard, is input into the data processing system. The requirement is compared, in the data processing system, with analyses of batches of the specialty chemical that are available for purchase through the data processing system in an attempt to find a batch that satisfies the requirement. An indicium of a batch satisfying the requirement is output, from the data processing system, to the prospective purchaser. | 2012-02-02 |
| 20120030060 | DETERMINING A LIKELIHOOD OF SUITABILITY BASED ON HISTORICAL DATA - Some embodiments of the invention determine whether a particular item is likely to suit a consumer from a fit and/or style standpoint, using objective data produced as a result of the consumer's experiences. For example, some embodiments of the invention analyze information regarding a consumer's experiences with certain products (e.g., purchase and return history, identification of “favorite” items, etc.) and data regarding attributes of those items (e.g., technical dimension data, stylistic and fit attributes, etc.) to determine the consumer's measurements and fit and/or style preferences, so that a prediction may be made regarding how a particular size of an item may suit the consumer. | 2012-02-02 |
| 20120030061 | FIT RECOMMENDATION VIA COLLABORATIVE INFERENCE - Some embodiments of the invention provide techniques for recommending a size of a subject item to fit a subject consumer. In some embodiments, clusters of consumers with fit characteristics similar to the subject consumer are identified, using one or more data clustering algorithms, based on any of numerous consumer attributes (e.g., self-reported and/or inferred height, weight, body shape, body characteristics, and/or purchase histories (e.g., consumers with high overlap in terms of sets of products purchased)). Information on other consumers in the cluster may be analyzed to draw conclusions on how different sizes of the subject item may fit the subject consumer. For example, the purchase history of other members of the cluster may be analyzed to determine whether other members purchased a particular size of the item, and if so, the size purchased by the other members may serve as a basis to recommend a size that may best fit the consumer. For example, if other members of the cluster purchased a particular size, then that size may be recommended to the subject consumer, or if other members of the cluster purchased and then returned a particular size (e.g., for being too small), then another (e.g., larger) size may be recommended to the subject consumer. | 2012-02-02 |
| 20120030062 | ENABLING PROXY SHOPPING - Some embodiments of the invention enable a buyer to shop for and purchase items for a recipient with confidence. For example, some embodiments of the invention enable a recipient to create a profile that may be accessed to make recommendations to a buyer on items deemed likely to suit the recipient in any of numerous ways (e.g., those deemed likely to fit the recipient, be age-appropriate, reflect the recipient's style, suit the recipient's fit preferences, conform to the recipient's measurements, etc.). In some embodiments, a recipient may indicate that certain, or all, aspects of the profile be kept private, so that the buyer need not know information about the recipient such as his/her body measurements, fit preferences, style preferences, and/or other information to be able to shop confidently for the recipient. | 2012-02-02 |
| 20120030063 | Physical Site-Contextualized Recommender - A site-contextualized method, system, and device generates recommendations based on usage behaviors and a physical site layout. The recommendations may comprise one or more products, and a recommendation may be accompanied with an associated price. The recommendations may be based on an inference of a preference and/or in accordance with a physical object. Information as to why the recommendation was delivered to a recommendation recipient may be provided to the recommendation recipient. | 2012-02-02 |
| 20120030064 | Physiological-Responsive Recommender System and Device - A physiological-responsive computer-implemented system and device generates recommendations based on usage behaviors, including physiological responses such as body movements and gestures. The recommendations may be based on an inference of a preference and/or in accordance with the location or proximity of a physical object, and may be delivered in the context of the recommendation recipient interacting with a computer-implemented game. Information as to why the recommendation was delivered to a recommendation recipient may be provided to the recommendation recipient. | 2012-02-02 |
| 20120030065 | METHOD, MEDIUM, AND SYSTEM FOR UNIVERSAL SHOPPING CART ORDER INJECTION AND PAYMENT DETERMINATION - A universal shopping cart is provided that obtains and orders products and services from different merchants located on the Internet. The consumer completes all of their shopping on the shopping site and is not directed to another merchant's site to complete an order. The universal shopping cart provides a monitoring service that allows the consumer to monitor a product for specified criteria. The order injection system places orders for products contained within the universal shopping cart from affiliated and non-affiliated merchants. Specific ordering details required from merchants external to the shopping site are hidden from the consumer. For external merchant sites that require a consumer account before allowing the product to be purchased, the shopping site creates a new consumer account without intervention from the consumer. Once the products are ordered, the consumer may keep track of the ordered products from the shopping site. | 2012-02-02 |
| 20120030066 | PAYMENT SYSTEM - Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network on behalf of online merchants, the payment authorization requests are conducted as a result of orders by financial instrument holders via a plurality of different online merchant systems. Each of the online merchants has an online merchant identity. The method is conducted by a trusted central intermediary system which is arranged to transmit payment authorization requests to each of a plurality of different online merchant Internet Payment Service Provider (IPSP) systems. Each merchant IPSP system is arranged to transmit payment authorization requests to at least one of a plurality of acquiring bank payment processor systems, and each of said plurality of acquiring bank payment processor systems is responsible for processing payment authorizations for at least one of said acquiring banks. Embodiments of the invention enable a user to select a payment method on a per transaction basis, whilst removing the requirement for the user to provide payment details to individual online merchant systems or to their merchant IPSP systems. Thus, providing that online merchants, or their merchant IPSPs, subscribe to a service arranged to perform the method, users only have to submit their respective payment details, preferably only once, to a separate, trusted entity. | 2012-02-02 |
| 20120030067 | System and Method for Vendor and Customer Management in a Supply Chain - A method of managing a supply chain comprises providing at a customer interface module a plurality of order fulfillment options to a customer, and receiving from the customer a selection of a particular order fulfillment option. The method also includes receiving a first order from the customer, and receiving a first inventory status from a first distribution center. A first distribution center sends a first product to the customer in response to determining that the particular order fulfillment option comprises a fill-partial order fulfillment option, and a duration between the time that the first product is directed to be sent and the time when the first product is actually sent is determined. An alert is generated if the duration is greater than a predetermined duration. | 2012-02-02 |
| 20120030068 | SYSTEM AND METHOD FOR MULTI-USER LISTING, SEARCHING, MATCHING AND TRADING - A system and method is disclosed for allowing users with access to the internet and a computer the ability to post any items they would like to offer by trade, propose a value for those offered items, search for items they would like to receive by trade, which may or may not be currently held in inventory, be notified when potential trades are available and accept or reject items they would like to receive by trade and confirm the trade with at least one other user. Additionally, the system will allow a user to make a direct purchase of items that have been specified as such. | 2012-02-02 |
| 20120030069 | PRODUCT QUOTATION PREPARATION SYSTEM AND METHOD - A method and an apparatus (system) for support in performing the method is provided to configure products and/or services in support of preparing quotations, orders, and fulfillment requests in support of a Customer Relationship Management (CRM) system and method. More specifically, a method and an apparatus (system) is provided for supporting the quotation, ordering, and fulfillment of products and services by aiding in the configuration of products and/or services in an automated and efficient fashion. | 2012-02-02 |
| 20120030070 | MANAGING AN INVENTORY COMPRISING SERIALIZED PRODUCTS - Various embodiments are directed to a system for managing an inventory comprising serialized products. A robot may be instructed to load a plurality of serialized product units to a plurality of robot-accessible bins such that each of the plurality of robot-accessible bins comprises no more than one serialized product unit. A computer system may receive from a requesting system, an order specifying a serialized product. The computer system may also receive from a data storage system a serial identifier associated with a first unit of the serialized product that is present at one of the plurality of robot-accessible bins and is indicated at the data storage system as being available. The computer system may also write to the data storage system an indication that the first unit is reserved, and transmit to the requesting system a message comprising an indication of the order and an indication of the serial identifier. | 2012-02-02 |
| 20120030071 | SECURE, DIFFERENTIATED READING OF SENSORS AND RFID TAGS - Secure access to inventory data concerning a supplier's product located at a seller's premises is provided by tagging units of product with a supplier identifier and a product identifier. The identifiers may be embedded in RFID tags or EPC labels. A secure VPN tunnel is established between a supplier and a seller. The VPN tunnel is associated with a particular supplier identifier such that only inventory data associated with the supplier identifier that matches the supplier is transmitted on the VPN tunnel, and inventory data associated with supplier identifiers that do not match the supplier are filtered out. Hence, the seller can provide the supplier with access to inventory data without exposing sensitive information related to the seller and other suppliers. | 2012-02-02 |
| 20120030072 | CATALOG-BASED SOFTWARE LICENSE RECONCILIATION - A software reconciliation engine utilizes a software rule-based catalog to produce accurate license reconciliation across a wide range of software configurations. A software offering may comprise software installables and corresponding constraints. Installed software and active hardware is discovered by a scanner, stored in an installed software database and active hardware database respectively and is mapped against entitled software offerings to determine whether the installed software is entitled to be installed on the hardware. The installed software has a base product attribute, a used-in-count attribute and a parent-child attribute that are used by the reconciliation engine to compare against the constraints to determine entitlement and report compliance. | 2012-02-02 |
| 20120030073 | CREATION AND USE OF CONSTRAINT TEMPLATES - The new creation and use of entitlement constraint templates methods and systems can be linked to software offerings in a software catalog. Allowing software catalog experts to link contractual entitlement data with software product offerings via constraint templates on such a varying list of constraint types, establishes a highly robust software catalog knowledgebase. The result is significant cost savings in terms of time spent inputting entitlement constraint data by contract analysts as well as minimizing errors by those analysts who would otherwise be required to have a very high level of expertise in the software offerings while potentially inputting the same constraint data repeated times. | 2012-02-02 |
| 20120030074 | METHOD AND SYSTEM FOR THREE-DIMENSIONAL PRESENTATION OF FINANCIAL DATA - A computerized method and system for displaying financial data, is based on geometric three-dimensional (3D) model. The geometric 3D model consists of geometric 3D components and geometric 3D interconnections between components. Components represent financial assets and interconnections represent relations between assets. Component's volume is proportional assets' parameters values. Volume of interconnections proportional covariance or correlation values between assets. The generalized multi-dimension and multi-tier model may be applied for presentation of financial data. | 2012-02-02 |
| 20120030075 | Method for Accounting Information Handling in an Interworking - A method for accounting information handling in an interworking is provided. A method for processing accounting information by a gateway device includes sending an accounting request message to a first electronic device, and receiving a response message from a first electronic device, the response message responsive to the accounting request message. The accounting request message is related to a communications device attached to the first network. The method also includes processing accounting information. The processing is based on the response message, the gateway device and the first electronic device are part of the first network, the communications device is accessing a second network through the first network, and the communications device has a subscription only with the second network. | 2012-02-02 |
| 20120030076 | System and method for risk-based data assessment - Systems, methods, and computer program products are provided for transforming data into a format suitable for analytics use, such as statistically-based risk assessments. In one exemplary embodiment, the method may include receiving data from one or more data sources, and generating one or more associations among the received data, the associations providing links between one or more data elements of the received data. In addition, the method may include generating one or more segmented data sets based on the received data and the one or more associations, the segmented data sets reflecting an organization of the received data, and integrating one or more variables related to the received data into the one or more segmented data sets to create pre-processed data. Furthermore, the method may include outputting the pre-processed data and integrated real-time data for application of analytics. | 2012-02-02 |
| 20120030077 | DISTRIBUTIVE CORRELATION OF CHARGING RECORDS ACROSS NETWORK DOMAINS - Charging systems and associated methods are disclosed that provide correlation across network domains. The charging system includes a plurality of charging functions connected to one or both of an IMS domain and a packet bearer domain, such as a GPRS domain. A first one of the charging functions identifies the charging records for a particular session in the IMS domain based on a charging identifier. The first charging function then selects one of the charging functions on a per-session basis as a correlation charging function for the session, and forwards the identified charging records for the session in the IMS domain to the correlation charging function. A second one of the charging functions selects one of the charging functions on a per-session basis as the correlation charging function for the session, and also forwards charging records for the session in the packet bearer domain to the correlation charging function. | 2012-02-02 |
| 20120030078 | Credit And/Or Debit Card Security - A system and method of providing heightened debit and/or credit card security is presented. The debit and/or credit card may be void of any information printed on the card that may provide identification of the user, an account number associated with the card, an expiration date for the card, etc. In some examples, a portion of this information may be provided, but not all pieces of information, in order to reduce the likelihood of unauthorized use, such as during an on-line transaction where a user must input information generally found on the face of or rear of the card itself. | 2012-02-02 |
| 20120030079 | Risk Scoring System And Method For Risk-Based Data Assessment - Systems, methods, and computer program products are provided for determining risk. In one exemplary embodiment, there is provided a method for determining risk. The method may include receiving historical information relating to tax return data of a taxpayer. The method may also include updating one or more profiles associated with the historical information. The method may also include receiving current information relating to tax return data of the taxpayer. The method may also include querying the updated historical information based on the received current information. The method may further include processing historical information, received in response to the querying, together with the current information to generate one or more risk scores. | 2012-02-02 |
| 20120030080 | Systemic Risk Monitoring System And Method For Revenue Agencies - Systems, methods, and computer program products are provided for providing monitoring risk. In one exemplary embodiment, there is provided a method for monitoring risk. The method may include receiving, grouping, and summarizing first information relating to first data. The method may also include storing, based on the receiving, grouping, and summarizing, the information in one or more tables, wherein each of the one or more tables is associated with one or more fields of data. The method may also include receiving, grouping, and summarizing second information relating to second data. The method may also include querying the one or more tables. The method may include comparing the information received in response to the querying of one or more tables with the second information. The method may further include providing an indication of risk based with the comparison, wherein the first information and the second information include tax return information. | 2012-02-02 |
| 20120030081 | PHYSIOLOGICAL RESPONSE OF A CUSTOMER DURING FINANCIAL ACTIVITY - A server behavior modification system assists a customer during a financial activity, such as a transaction, and includes a current financial activity assistance system having a data collection system for collecting current physiological activity data, such as current electrodermal activity data, and a data manipulation system for assessing the likelihood of vulnerability to a predetermined undesired financial behavior, as defined by customer input received by a customer settings definition system. The assessment is based at least in part on the data manipulation system comparing a combined historical behavior pattern with the collected current data. The combined historical behavior pattern comprises a correlation between historical physiological activity data and historical financial activity data. An alerting system instructs a customer behavior modification system to produce an alert based at least in part on an assessment of likely vulnerability to a predetermined undesired financial behavior. | 2012-02-02 |
| 20120030082 | PREDICTIVE MODELING FOR DEBT PROTECTION/CANCELLATION - A method for predictive modeling is disclosed. Economic data associated with at least one economic trend is received. Claim and cancellation data associated with a financial product of a financial institution is generated, where the claim and cancellation data is based on past data. The economic data is used with the claim and cancellation data to forecast model future claim and cancellation data of a plurality of loans. | 2012-02-02 |
| 20120030083 | SYSTEM AND METHOD FOR EVALUATING RISK IN FRAUD PREVENTION - A method of determining a risk score indicating a risk that an electronic transaction will involve fraud and/or abuse. The method includes receiving transaction data associated with a not yet completed transaction from a merchant. The transaction data includes one or more characteristics related to the transaction. A profile is selected that identifies network devices each associated with the characteristics and having a device reputation. Next, a profile-based risk factor is determined as a function of a percentage of the network devices having a negative reputation. The risk score is determined as a function of the profile-based risk factor. In some embodiments, a transaction-based risk factor may also be determined. In such embodiments, the risk score is determined as a function of the profile-based and transaction-based risk factors. The risk score is provided to the merchant to be used thereby to determine whether to proceed with the transaction. | 2012-02-02 |
| 20120030084 | Apparatus And Method For Converting Investment Capital Into Publicly Traded And Private Master Limited Partnerships - A method of generating income includes receiving investment capital from an investor. The investment capital is invested in publicly traded master limited partnerships to generate a revenue stream. The investment capital is also invested into a private company. The private company is subsequently converted to a master limited partnership to generate an equity gain. A portion of the revenue stream and a portion of the equity gain are distributed to the investor. | 2012-02-02 |
| 20120030085 | Computer-Implemented Method for Financial Analysis - A computer-implemented method for evaluating an investment employs entries and associated impact groups to define analytical lines that represent financial activity of a business entity over time. Distribution factors can be used to allocate the value of the respective entries over corresponding user-defined time periods. Annual entries can be defined and allocated into corresponding entries. Conditional calculations pertaining to the analytical lines can also be carried out. In addition, rules-based logic can be used to adjust dates pertaining to the analytical lines (such as shifting days ahead in manner that accommodates for non working days). The analytical lines are processed to simulate information that forecasts financial activity of the business entity. The user can apply variation factors to numeric values used in the method. Such variation factors permit the method to quickly and conveniently model scenarios that affect a primary entry or item or other calculation. | 2012-02-02 |
| 20120030086 | Automated Trading System In An Electronic Trading Exchange - An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders to an exchange site. The automated trading system determines whether an order should be submitted based on, for example, the current market price of an option and theoretical buy and sell prices. The theoretical buy and sell prices are derived from, among other things, the current market price of the security underlying the option. A look-up table stores a range of theoretical buy and sell prices for a given range of current market price of the underlying security. Accordingly, as the price of the underlying security changes, a new theoretical price may be indexed in the look-up table, thereby avoiding calculations that would otherwise slow automated trading decisions. Other techniques may be used in addition or in the alternative to speed automatic decision-making. In addition, a system of checks may be conducted to ensure accurate and safe automated trading. The automated trading system may be capable of automatically submitting orders in connection with the underlying security in order to hedge part of the delta risk associated with the automated option trades. | 2012-02-02 |
| 20120030087 | Automated Trading System In An Electronic Trading Exchange - An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders and/or quotes to an exchange site. The automated trading system determines whether an order or quote should be submitted based on, for example, the current market price of an option and theoretical buy and sell prices. The theoretical buy and sell prices are derived from, among other things, the current market price of the security underlying the option. The theoretical buy and sell prices are calculated when underlying factors that contribute to the theoretical prices change. Computation times of the theoretical prices may be reduced by using precalculated values and/or using interpolation and extrapolation. Other techniques may be used in addition or in the alternative to speed automatic decision-making. In addition, a system of checks may be conducted to ensure accurate and safe automated trading. The automated trading system may be capable of automatically submitting orders in connection with the underlying security in order to hedge part of the delta risk associated with the automated option trades. | 2012-02-02 |
| 20120030088 | SYSTEM AND METHOD FOR FACILITATING THE TRADING OF METALIZED IRON TRANSACTIONS - The disclosure presents a system and method for facilitating metalized iron transactions. The system may be implemented in a variety of ways, including as a computer readable medium for facilitating metalized iron transactions. The computer readable medium includes: logic for communicating a plurality of metalized iron transaction prompts to the remote computer for entering a plurality of corresponding metalized iron transaction parameters; logic for receiving the plurality of entered metalized iron transaction parameters in response to communicating the plurality of metalized iron transaction prompts to the remote computer; logic for determining whether the entered metalized iron transaction parameters satisfy existing market metalized iron transaction parameters; and, logic for closing a transaction for metalized iron if the entered metalized iron transaction parameters satisfy existing market metalized iron transaction parameters. The medium can also include logic for determining an adjusted price of at least one lot of metalized iron to be delivered to fulfill a metalized iron transaction utilizing an adjustment formula for calculating the adjusted price of the metalized iron transaction based on the content of at least one of the chemistry components of the at least of lot of metalized iron; logic for receiving test results of the content of at least one of the chemistry components of the at least one metalized iron lot; and logic for utilizing the test results within the adjustment formula to calculate the adjusted price. | 2012-02-02 |
| 20120030089 | TABS BASED DRAG AND DROP GRAPHICAL TRADING INTERFACE - The interface comprises one or more grids, each grid typically associated with a specific security. GUI objects or icons representing orders of a specific quantity may be dragged and dropped onto the grid to place, change, or cancel orders. The Grids are contained within tab pages, which are further contained as tab sets. Status icons are used to represent open, filled, and cancelled orders. The Icon Locate and Order locate feature allows orders on the Grid and Icons in the status panels to be easily referenced. Status Icons may be stamped with their associated order type or status. Similarly, the status icons may take the form of Corporate logos and adjust in size according to the value or quantity of a position. An Icon packing feature allows status icons to be efficiently placed within their total panel area. Advertising content may be displayed on the trading interface and is also conveniently packaged within tabsets. | 2012-02-02 |
| 20120030090 | Hedging Risks Associated With Variable Priced Orders For Derivative Financial Products - Systems and methods are provided for executing a hedge transaction in connection with the execution of a derivative product order in which the price of the derivative product is defined by one or more variables. The hedge transaction may be executed at an exchange or match engine that is different from the exchange or match engine executing the derivative product order. The execution of derivative product transaction may be contingent on the existence of an appropriate hedge transaction. Alternatively, a best efforts approach may be used to fill the hedge transaction order after executing the derivative product transaction. | 2012-02-02 |
| 20120030091 | Credit Risk Control - A method and a system of credit risk control use different incentive mechanisms for different type of users for post-loan credit risk control. The method classifies the user to one of several different user types based on the user information and a correspondence relationship between the user information and risk levels, and selects an appropriate incentive mechanism for risk control based on the user type. The incentive mechanisms may either be a positive incentive mechanism or a negative incentive mechanism depending on the user type. The incentive mechanisms are performed over a network, and are designed to encourage a user of good loan payment record but to discourage a user of bad loan payment record. The method and the system are particularly suited for risk control of repayment of various kinds of loans which are applied and disbursed over the Internet. | 2012-02-02 |
| 20120030092 | LOAN COLLATERAL EQUITY TRACKER - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: identifying a loan account associated with a loan, indentifying information associated with collateral securing the loan, determining a current equity value associated with the collateral, and generating a notification that additional credit may be added to the loan account. A current equity value associated with the collateral may be determined by calculating the difference between the market value for the collateral and the total amount of debt and credit secured by the collateral. The loan account may be a HELOC account where the collateral is a home. | 2012-02-02 |
| 20120030093 | Financial Collaboration Networks - The disclosed system and method for providing financial collaboration networks generally includes a data processing system adapted to permit a plurality of group collaborators to perform financial transactions with a plurality of users or network participants. Representative embodiments of the present invention generally provide web-based financial collaboration systems that may be adapted to permit a plurality of borrowers, for example, to negotiate more favorable terms with a lender for subsequent loans made to the borrower members of the collaborative group. | 2012-02-02 |
| 20120030094 | DESIGN, DEPLOYMENT, AND USE OF AN AUTOMATED FLOW-MODEL-VIEW-CONTROLLER WORKFLOW - A system includes a storage device to store design elements for a workflow design that, when deployed to a network, create a workflow that permits products or services to be purchased via an electronic transaction with a user device. The design elements correspond to a group of stages that process the electronic transaction or to workflow logic that establishes conditions to transfer the electronic transaction between the stages. Each stage includes business logic, separate from the workflow logic, that permits changes to be made to a stage in a manner that does not interrupt the workflow operation. The system also includes a server device to receive a request to deploy the workflow design; deploy the design elements to create the workflow; and conduct the electronic transaction by transferring the electronic transaction between an initiation stage and another stage based on workflow logic associated with the initiation stage and information regarding operations performed by the initiation stage. | 2012-02-02 |
| 20120030095 | LOAN MANAGEMENT TOOL - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest. | 2012-02-02 |
| 20120030096 | METHOD FOR TRANSMITTING A CODE - The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit | 2012-02-02 |
| 20120030097 | Apparatus and Method for Valuing Articles - Embodiments of the present invention provide apparatus for automatic valuation of articles. The apparatus may comprise an article receiving device arranged to receive an article therein; and an article assessment device arranged to determine the presence of a prescribed one or more materials in said article along with the quantity thereof, the article assessment device being arranged to determine a value of the one or more materials present in the article based on a stored amount of the value of a given quantity of each of said one or more materials, and the quantity of the one or more materials present in the article as determined by the article assessment device, and to output to the user the value of said article based on the value of the one or more materials and/or output to the user the value of the one or more materials. | 2012-02-02 |
| 20120030098 | RECEIVER DRIVEN MONEY TRANSFER ALERT SYSTEM - A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money transfer initiation request includes an amount of funds to be transferred, receiver information, and sender information. The method also includes staging a money transfer transaction after receiving the money transfer initiation request, wherein the money transfer transaction is pending an authorization by the sender to fund the money transfer. The method further includes providing the sender with a notification of the money transfer transaction, receiving the authorization to fund the money transfer transaction, and executing the money transfer to transfer the funds from the sender to the receiver. | 2012-02-02 |
| 20120030099 | MULTIPLE RATE LOAN - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. In some embodiments, the systems and methods of the present invention are used in connection with a HELOC account. | 2012-02-02 |
| 20120030100 | RECURRING MONEY TRANSFER - A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver. | 2012-02-02 |
| 20120030101 | VENDOR PAYMENT CONSOLIDATION SYSTEM - Several related entities can owe payments to a single vendor. For example, several related companies can owe payments to developers who sell software using several storefronts operated by the related companies. To limit the number of payments made to the developer, a third-party payment processing entity can receive individual payments from each of storefronts for a developer, can aggregate the payments and convert their respective currencies if necessary, and provide a single payment on behalf of all of the storefronts to the developer. Because the payment processing entity is a third party (e.g., a bank) and not related to the storefronts, the tax or other advantages procured from having several storefronts can be preserved while reducing the costs of paying the developer (e.g., fewer transaction fees). | 2012-02-02 |
| 20120030102 | FACILITATING A NETWORK COMMUNICATION SERVICE FOR A SUBSCRIBER LINKED TO A PLURALITY OF ACCOUNTS - There is provided a method that includes (a) receiving a notification of an event concerning a network communication service involving a subscriber, in which the subscriber is linked to a first account having first account terms, and a second account having second account terms, (b) making a decision of whether to handle the network communication service in accordance with the subscriber being linked to the first account or in accordance with the subscriber being linked to the second account, and (c) issuing a communication to a device to facilitate the network communication service, pursuant to the decision. There is also provided a system that performs the method, and a storage medium that contains instructions for controlling a processor to perform the method. | 2012-02-02 |
| 20120030103 | Image-Based Submission and Verification of Redemption Codes - Improved systems and techniques for submission and verification of redemption codes are disclosed. It will be appreciated that the submission and verification techniques can, among other things, automate the submission and verification of redemption codes for various redeemable instruments, including transaction cards (e.g., gift or prepaid cards) widely used for online transactions (e.g., purchase of media items from an online media store). A redemption code can be determined based on an image of a redeemable instrument. More particularly, an image of a redeemable instrument can be processed using image analysis or one or more image processing techniques to extract a redemption code for the redeemable instrument. By way of example, an image (e.g., a digital picture) of a gift card can be processed by a device to extract an alphanumeric value printed on the gift card. This means that the alphanumeric value need not be entered manually by a person seeking to redeem the redeemable instrument (e.g., gift card). As a result, users can simply take a picture of a redeemable instrument (e.g., gift card) rather than having to manually enter long alphanumeric values commonly used today. | 2012-02-02 |
| 20120030104 | PROCESSING IMAGES ASSOCIATED WITH THE REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) determining that a first portion of the image is satisfactory for identifying deposit item information therein; (c) determining that a second portion of the image is unsatisfactory for identifying deposit item information therein; and (d) performing a function based at least partially on the determining that the second portion of the image is unsatisfactory for identifying deposit item information therein. In some embodiments, the function includes enhancing the second portion of the image. In other embodiments, the function includes prompting a user of the remote capture device to capture a second image to replace the second portion of the image. | 2012-02-02 |
| 20120030105 | ONLINE CHECK REGISTER USING CHECK IMAGING - Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor. | 2012-02-02 |
| 20120030106 | METHOD AND SYSTEM FOR PROCESSING FINANCIAL INSTRUMENT DEPOSITS PHYSICALLY REMOTE FROM A FINANCIAL INSTITUTION - A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account. | 2012-02-02 |
| 20120030107 | Generation And Use Of Transaction Records With Imaging - Systems and methods for generating transaction records with imaging are described. Data representative of a transaction of a user may be received and a transaction record for the transaction may be generated. A user request to withdraw an amount of monetary funds from an account associated with the transaction may be received. At least one captured image of the user during the transaction may be associated with the transaction record. Monetary funds from the account in the amount requested by the user may be outputted, and the transaction record may be stored in a database. Upon determining the amount of monetary funds requested for withdrawal exceeds a first threshold, at least one image of the user may be captured, and a copy of the at least one captured image of the user or a link to the at least one captured image may be stored in the transaction record. | 2012-02-02 |
| 20120030108 | SYSTEM AND METHOD FOR THE REMOTE IDENTIFICATION AND VERIFICATION OF A CLIENT'S IDENTITY DURING THE PROVISION OF FINANCIAL SERVICES - The invention relates to financial services, in particular involving the use of automatic terminals and/or cash dispensers, in order to remotely identify and verify a person's identity during the provision of services to an individual. The system for the remote identification and verification of a client's identity during the provision of financial services comprises the following components linked by the Internet or by other communications channels: a processing center server and at least one remote client terminal with a service request interface, which terminal is provided with a multifunctional scanning device and devices for exchanging visual and audio information. At least one computerized operator workstation, which is also provided with devices for exchanging visual and audio information, is linked to the above-mentioned terminal via the processing center; furthermore, the operator working interface of the processing center server comprises the following, arranged in series: an identification module consisting of automatic and subjective units, a verification module also consisting of automatic and subjective units, a client database, in the cells of which information about personal identity identification and verification operations carried out on the operator working interface is recorded and stored and which, in response to an incoming request, generates reports about contacts that have taken place, and referral databases and/or prohibitive databases which are connected to an automatic identification module for recognizing/reading and checking the validity of the identity papers produced by the client. Furthermore, the client is identified without preliminary registration of the client and only according to an electronic copy, received from the request terminal, of at least one identity paper belonging to the client, using subjective identification, and the client's identity is verified during an audio-visual communication session between the selected operator and the client, who are remote from each other, in a real-time mode during the entire operation carried out via the processing center server. | 2012-02-02 |
| 20120030109 | DEPENDENT PAYMENT DEVICE - The present invention provides embodiments of a dependent payment device, such as a credit card, for allowing a primary customer to control and monitor the transactions made by a dependent customer who is authorized to use the account of the primary customer. The primary customer can control the maximum limit that the dependent customer can spend on the dependent card up to the maximum amount that the financial institution has approved for the primary customer. The primary customer can also block/approve purchases that the dependent customer can make at store or on products by adding MCCs, store names, store types, UPCs, or other product or store identifiers to a list of blocked/approved transactions. The primary customer can set monetary and time limits on the amount and frequency of the transactions the dependent customer can make at stores or on products that have been blocked/approved. | 2012-02-02 |
| 20120030110 | DEVICE, SYSTEM, AND METHOD FOR LOCATION-BASED PAYMENT AUTHORIZATION - A device, system, and method for location-based payment authorization includes receiving a payment request for an order submitted from a mobile computing device via an e-commerce vendor website. A location of the mobile computing device is determined based on location data. In one embodiment, the payment request is authorized or denied based on whether the e-commerce vendor website has been authorized for the determined location of the mobile computing device. | 2012-02-02 |
| 20120030111 | SERVICE PLATFORM UTILIZING AN ELECTRONIC PAPER DEVICE FOR FINANCIAL INSTITUTIONS - A service platform utilizing an electronic paper device for financial institutions, comprising: an option input device, used for sensing an entry operation and outputting a financial business option signal accordingly; a control unit, having an option input interface, a display interface, a host interface, and a slips storage unit, wherein the option input interface is used to receive the financial business option signal, the host interface is used to communicate with a financial institution host, the slips storage unit is used to store financial business slips; and an electronic paper device, having a touch input function, coupled to the display interface to display one financial business slip for related information input by a touch pen, or transmit the related information through the control unit to the financial institution host, or display an informing message sent from the financial institution host through the control unit. | 2012-02-02 |
| 20120030112 | Generation And Use Of Cash Value Debit Cards - Systems and methods for generating and using a cash value debit card are described. A request from a user to add value to a cash value debit card account financially secured by a financial entity against an account of the user may be received. The user may be authenticated to the account of the user with the financial entity. Monetary funds may be debited from the account of the user by an amount to add to the cash value debit card account, and the debited amount may be added to the cash value debit card account. A request to withdraw monetary funds from the cash value debit card account may be received. A determination may be made as to whether to authorize the withdrawal from the cash value debit card account. The withdrawal may be authorized, and the cash value debit card account may be debited accordingly. | 2012-02-02 |
| 20120030113 | Generation And Use Of Negotiable Instruments - Systems and methods for generating and using negotiable instrument are described. A request from a user to generate a negotiable instrument financially secured by a financial entity against an account of the user is received, and the user is authenticated to the account of the user with the financial entity. Upon authenticating the user to the account, data representative of the negotiable instrument financially secured by the financial entity against the account of the user is transmitted. The data may include a printable image and barcode for scanning by a second computing device of the financial entity. The transmitted data representative of the negotiable instrument may be received by a computing device. The computing device may output the data representative of the negotiable instrument to a printer for local generation of the negotiable instrument on the printer without the need for special inks and/or other data. | 2012-02-02 |
| 20120030114 | User Positive Approval and Authentication Services (UPAAS) - The invention provides Users of Retail Payment and Identification instruments with the ability to review transaction details and approve transaction by capturing UVM in User controlled environment and Issuers of these instruments with the ability to positively authenticate Users in Issuer controlled environment. The invention accounts for real time legacy or non-legacy processing systems to provide an authorization request from POA to Issuer Host. The invention introduces two UPAAS components—User Gateway and User Application. The UPAAS User Gateway is implemented in an Issuer controlled environment enabling interface between Issuer legacy Host and UPAAS User Applications. The UPAAS User Application can be implemented on any device supporting communication protocol such as TCP/IP without any hardware changes enabling the User to login to UPAAS User Gateway, review and approve or decline a specific transaction in real time by entering UVM, such as PIN, for User authentication purposes. | 2012-02-02 |
| 20120030115 | SYSTEMS AND METHODS FOR PREVENTING FRAUDULENT BANKING TRANSACTIONS - A system and method for protecting account holders against fraudulent transactions by receiving authorization criteria, wherein the authorization criteria relates to one or more characteristics associated with financial transactions that involve an account in a financial institution; receiving incoming transaction data wherein the incoming transaction data is associated with an underlying financial transaction involving the account; identifying the one or more characteristics associated with the incoming transaction relating to the authorization criteria received; identifying prior transactions with one or more characteristics corresponding with the identified one or more characteristics associated with the incoming transaction data; comparing the incoming transaction data with the authorization criteria; suspending the underlying transaction associated with the incoming transaction data if the authorization criteria is not satisfied; transmitting notification of the suspension to the account holder associated with the suspended underlying transaction data through a first communication method, wherein the transmitted notification includes a unique item of information; and permitting the suspended underlying transaction to proceed if the unique item of information is received through a second communication method. | 2012-02-02 |
| 20120030116 | SYSTEM AND APPARATUS FOR TRANSACTION FRAUD PROCESSING - A system for processing transaction data is provided. The system includes a fraud policy system that provides merchant fraud policy data. An order information data system receives order information data and the merchant fraud policy data and generates order information fraud score data, such as by modifying the order information data using the merchant fraud policy data and then scoring the modified order information data. A transaction authorization system receives the order information fraud score data and the merchant fraud policy data and generates client authorization data. | 2012-02-02 |
| 20120030117 | REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) identifying, based at least partially on the image, deposit item information associated with the multiple deposit items; and/or (c) crediting an account based at least partially on the deposit item information. | 2012-02-02 |
| 20120030118 | REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS USING A GRID - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) displaying a grid on a display associated with a remote capture device, where the remote capture device is configured to capture an image that shows multiple deposit items, and where the grid comprises a plurality of grid portions; and (b) prompting a user of the remote capture device to arrange the multiple deposit items, or to position or operate the remote capture device, such that each of the deposit items in the multiple deposit items appears in a single grid portion of the display before the image is captured. | 2012-02-02 |
| 20120030119 | SECURITY SYSTEM AND METHOD THAT ALLOWS USERS TO SECURELY SETUP AND MAINTAIN SYSTEM SECURITY FOR ALL BUSINESS SYSTEMS - A system, method and computer-readable medium for providing comprehensive security to business systems by distributing the security for accessing the business systems across databases at a plurality of locations. The distributed security simplifies security maintenance and is used to control all aspects of a business. The generation of bills, pings converter boxes, schedules pay per view, etc. are handled by the distributed security. | 2012-02-02 |
| 20120030120 | ENFORCEMENT OF SECURITY REQUIREMENTS FOR A BUSINESS MODEL - A functional model of a business process which is annotated with security requirements is provided. Platform-specific executable code and at least one configuration file for a given security enforcement component to enforce the security requirements of the model are then generated automatically. | 2012-02-02 |
| 20120030121 | SECURE ACTIVATION BEFORE CONTACTLESS BANKING SMART CARD TRANSACTION - The invention relates to a portable token equipped with non-volatile memory, the token comprising authentication means to authenticate a holder of the token, authorization means to define the rights of the holder, and payment means to trigger a payment transaction. The authorization means are set to store the rights in non-volatile memory after the authentication means are invoked, and the payment means have the capacity to retrieve the rights from non-volatile memory, and to subject the execution of the payment transaction to the verification of the rights. The invention also relates to a related portable device, to a system comprising a portable token and a portable token, and to a method for carrying out a payment transaction with a portable token. | 2012-02-02 |
| 20120030122 | AGILE WORKFLOW MODELING AND EXECUTION BASED ON DOCUMENT - A workflow document processing machine supports agile modeling and agile execution of a workflow that comprises tasks, one or more of which may be dynamically added, changed, or identified during execution of the workflow. The workflow document processing machine accesses a pre-process workflow document, a tactical goal data structure, and business process data resultant from execution of a task pertinent to the workflow. The workflow document processing machine modifies a document portion based on the task data structure and on the business process data. Based on the pre-process workflow document and on the modified document portion, the workflow document processing machine generates a post-process workflow document, which may be accessed as a pre-process workflow document by another machine. | 2012-02-02 |
| 20120030123 | CUSTOMER SERVICE REQUEST EVALUATOR - Apparatuses, methods, and systems for processing a customer support request for a game are provided. One method includes an operation for receiving a customer support request associated with a user. The customer support request is evaluated utilizing one or more service requests rules, where the service requests rules include a social gaming activity of the user and a behavior of the user while playing the game. Additionally, the method includes an operation for processing or denying the customer support request based on the evaluation of the customer support request. | 2012-02-02 |
| 20120030124 | MOBILE SYSTEM AND METHOD FOR PROCESSING SECURE REMOTE IN PERSON TRANSACTIONS - A mobile system and method are provided for securely sending, receiving and signing documents remote from a home office. A mobile unit capable of connecting to a home corporate network where documents are stored relating to a transaction is used as part of the system. While in route to or at the remote signing location, the mobile unit connects to the corporate network and prints the documents, or the home office sends the documents through a secure wireless connection to the mobile unit. The transaction is conducted at a remote location, and the executed documents are scanned and sent securely to the corporate network. The housing and mobile unit may be moved to a subsequent location and the mobile unit connects, while in route to or at the subsequent location, prints the documents for the subsequent transaction. | 2012-02-02 |
| 20120030125 | Method and system for tracking,archiving, reporting, and communication of time, activity, and event details - A method and system for time, activity, event tracking includes providing an application or portal or website over wireless or wired networked devices or systems, having means that allow users to keep information about all their activities and allow detailed reporting. The system also provides a plurality of tracking, archiving, reporting, communication, and management over various formats depending on user profile. The system provides services like compensate and certify user activities for personal or organizational goals and communicate and campaign about activities or promotion of products, ideas, and services. The method further includes storing user data in ranges, archiving, summarizing, aggregating of data, and using user profile and requests to initiate internal and external communication based on user profile. The method and system manage hierarchy of organizations, users; provide administrative functions over a plurality of external devices, applications, systems, media formats, websites, social media sites, and communication interfaces. | 2012-02-02 |
| 20120030126 | Structured Job Search Engine with Guided Navigation - Candidates use a computer-based system to create profiles of their job experience, skills, interests, and future job requirements. Companies seeking candidates to fill job positions also use the system to create profiles of the positions they are seeking to fill. The system enables employers to use a combination of text-based keyword entry and guided navigation to easily create a set of candidate search criteria, to preview candidate profiles which match those search criteria, and to automatically create a new job profile (project) which contains the candidate search criteria for future use in matching candidate profiles. | 2012-02-02 |
| 20120030127 | Computerized Apparatus for Identifying Industries for Potential Transfer of a Job Function - Methods for identifying industries for potential transfer of a job function capability involve the use of a database that correlates, for a job function in a first industry, the first industry with a set of second industries with respect to which a job function capability of the job function is potentially transferable. The database can be accessed to identify the second set of industries. A symbolic representation of a job transfer between the first industry and a second industry or a symbolic representation that categorizes a subject of a user's job transferability query may be used to access the database. | 2012-02-02 |
| 20120030128 | System and Method for Administration of Employee Leave - A computer system and computer-implemented method are provided for management of employee leave and absence policies. The system is configured to receive data related to an employee leave claim at a single point of contact. The single point of contact may be implemented as a single address for leave issues related to any type of leave, including for example for employment-related injuries compensated through workers compensation, short term disability, long-term disability, and other types of leave. The system may be configured to provide prompts to a user for claims relating to multiple types of leave. The system may be configured to furnish data to separate computer systems for administration of multiple types of leave. The system may be configured to provide communications related to employee leave claims between separate computer systems responsive to receipt of data from one or more of the computer systems. | 2012-02-02 |
| 20120030129 | HOSPITAL GUIDE SYSTEM AND METHOD FOR PROVIDING HOSPITAL GUIDE SERVICE - Disclosed herein are a hospital guide system for providing guide information to a user in real time through a user terminal in comprehensive consideration of user's position information and user's medical treatment related information and a method for providing a hospital guide service. A hospital guide system includes a user position detecting unit that detects user's position information; a process storing unit that stores user's process information related to a service received by a user in a hospital; a guide information generating unit that decides a user's position-process based situation on the basis of the user's position information and the user's process information and generates guide information suitable for the user's position-process based situation; and a user terminal that provides the guide information to the user. | 2012-02-02 |
| 20120030130 | SYSTEM AND METHOD FOR IDENTIFYING, REPORTING, AND EVALUATING PRESENCE OF SUBSTANCE - A system and method for identifying, reporting, and evaluating a presence of a solid, liquid, gas, or other substance of interest, particularly a dangerous, hazardous, or otherwise threatening chemical, biological, or radioactive substance. The system comprises one or more substantially automated, location self-aware remote sensing units; a control unit; and one or more data processing and storage servers. Data is collected by the remote sensing units and transmitted to the control unit; the control unit generates and uploads a report incorporating the data to the servers; and thereafter the report is available for review by a hierarchy of responsive and evaluative authorities via a wide area network. The evaluative authorities include a group of relevant experts who may be widely or even globally distributed. | 2012-02-02 |
| 20120030131 | SYSTEM AND METHOD FOR OPTIMIZING THE EFFECTIVENESS OF AN EDUCATIONAL INSTITUTION - A system and method for optimizing the effectiveness of an educational institution. A rules engine receives a request to manage an academic plan of a student from a user access device. The rules engine accesses a datastore and selects data based on the request that are indicative of the standing of the student with the educational institution at a point in time. The rules engine also selecting rules stored in a datastore based on the request. The rules engine applies the selected rules to the selected data to determine whether to grant the request. The data stored in the first memory are updated when the request is granted. | 2012-02-02 |
| 20120030132 | SHIPPING INSTRUCTION DETERMINATION SYSTEM - A shipping instruction determination system provides a storage device which stores a shipping request in a supply destination, a supply available schedule of a supply source, information of a packaging form indicating a combination of products and its number of units to be able to be packed in packaging boxes to be used for a shipment and a physical distribution cost for every packaging form, and a shipping instruction calculation unit which calculates a combination, a physical distribution cost of which becomes minimum, of a shipping date, the number of shipping units and a packaging form from among the shipping available combinations of the shipping date, the number of shipments and the packaging form, from the shipping request, the supply available schedule, the information of packaging form and the physical distribution cost for every packaging form to determine a shipping instruction. | 2012-02-02 |
| 20120030133 | SYSTEMS AND METHODS FOR ARRANGING DELIVERY OF A PACKAGE - A package delivery system and method that facilitates a meeting between a package recipient and a delivery vehicle. In one embodiment, the package recipient requests a rendezvous with the delivery vehicle after a failed delivery attempt. A vehicle operator or dispatching agent may accept the rendezvous request, deny the rendezvous request, or propose an alternative. If the rendezvous request is accepted, the package recipient may transmit a notification to the vehicle operator once the package recipient has arrived at the delivery vehicle so that the package may be picked up. Picking up the package from the delivery vehicle instead of waiting for a repeated delivery attempt helps to save costs associated with the repeated delivery, and helps the package recipient receive the package in a more timely manner. | 2012-02-02 |
| 20120030134 | System For Tracking USPS Mail, Predicting Delivery Times And Comparing USPS Costs Against Private Courier Services - A method of providing a sender of a package with: (i) a calculated delivery time if the package is sent through the USPS mail stream, and (ii) a calculated delivery cost savings by sending the package by USPS mail as compared to sending the package by private courier; calculating an expected delivery time if the package is sent by USPS mail based; providing the sender with the expected delivery time; determining a cost of sending the package by USPS mail; determining a cost of sending the package by private courier; calculating a cost savings by sending the package by USPS mail as compared to sending the package by private courier; and providing the sender with the calculated cost savings. Thus, a real-time analysis of various senders' true delivery experience empowers users to switch to a more economical model. | 2012-02-02 |
| 20120030135 | LITERARY WORK OF AUTHORSHIP HAVING AN EMBEDDED RECOMMENDATION - In one embodiment, the method includes providing a rich media file for a literary work of authorship in an electronic medium of expression and generating a recommendation of an external source of information on one of a contextually relevant basis, a geospatially relevant basis, and a user-centric basis. The method also includes generating a contextually relevant suggestion based on a contextual meta-data associated with the literary work when the recommendation is contextually relevant and generating a geospatially relevant suggestion dynamically based on a meta-data associated with a current geo-spatial location of a rich-media player device presently displaying the literary work of authorship when the recommendation is geospatially relevant. Further, the method includes generating a user-centric recommendation dynamically based on a reader meta-data associated with a profile of a user currently accessing the literary work of authorship through the rich-media player device when the recommendation is user-centric. | 2012-02-02 |
| 20120030136 | SYSTEM AND METHOD FOR DETERMINING COMPLIANCE WITH FEDERAL SECURITIES AND TAX LAWS FOR AN ISSUED SECURITY - A computer operating system runs a computer, and executes a computerized method that includes eliciting and receiving an input to identify a selected investment, as well as an initial offering price for the investment. The operating system also finds and receives information related to trades of the identified investment after the initial offering and compares transactional information related to the trade after the initial offering to transactional information from the initial offering. The operating system generates a message when the transactional information related to the trade after the initial offering is outside a selected range from the transactional information from the initial offering. Also disclosed is a computerized method that accomplishes the method of the operating system and a computer readable media that includes a set of instructions for accomplishing the method. | 2012-02-02 |
| 20120030137 | METHOD AND DEVICE FOR VALUATION OF A TRADED COMMODITY - A method and device for valuation of a traded commodity | 2012-02-02 |
| 20120030138 | COMPOUND REDEMPTION PROCESSOR FOR A SINGLE ISSUER - The present invention provides methods and apparatus for one or more of: creating, issuing and redeeming Compound Redeemable Instruments for a Single Issuer. Apparatus can include a computerized system with executable software that is executable upon demand to process Redemption Instances, as well as, create and issue Compound Redeemable Instruments for a Single Issuer. | 2012-02-02 |
| 20120030139 | FINANCIAL EDUCATION PLANNER AND METHOD OF USE THEREOF - A financial educational planner is disclosed for imparting basic lessons on financial management and, over mid to long term, to develop the savings habit. The planner allows a user to watch how the money is earned, spent and saved, and how the money saved grows due to interest, bonus and investments. Most importantly, the planner is used to guide the user to manage and plan the money to afford the desired items or life-style in the future. The planner comprises an expense account worksheet ( | 2012-02-02 |
| 20120030140 | GENERATING DYNAMIC DATE SETS THAT REPRESENT MARKET CONDITIONS - In one embodiment, first input that specifies a market instrument is received. Second input that specifies one or more parameters for one or more date set computers associated with the market instrument is received. A first time series is received from a data repository, where the first time series is a sequence of data values associated with the market instrument. A set of time periods is extracted by applying the one or more date set computers based on the one or more parameters and the first time series. The set of time periods is displayed overlaid on a graphical representation of the first time series in a graphical user interface. | 2012-02-02 |
| 20120030141 | SYSTEM AND METHOD FOR IN-KIND REBALANCING OF TRANSACTIONS - A system and method are described for an investor, such as a fund of funds, to advantageously perform portfolio rebalancing in a totally in-kind or combination in-kind/cash transaction that will at least minimize the transaction costs associated with rebalancing. | 2012-02-02 |
| 20120030142 | System and Method for Managing Tax-Deferred Retirement Accounts - A system and method of managing tax-deferred retirement accounts may allow a plurality of participants to invest in a portfolio having a plurality of exchange traded funds (ETFs) according to an asset allocation model. The system and method may use at least one regular contribution to selectively buy at least one underweighted exchange traded fund to cause a participant's portfolio to more closely conform to the asset allocation model. The system and method may allow a plurality of participants to conduct calculations of estimated retirement savings based on a plurality of parameters. | 2012-02-02 |
| 20120030143 | CHARGING FOR DATA OFFLOADING - A method performed by a wireless node including receiving charging policies for data offloading; performing data offloading with respect to a user data flow; generating charging information associated with data offloading based on the charging policies; and sending the charging information to at least one of an on-line charging function or an off-line charging function. | 2012-02-02 |
| 20120030144 | METHODS FOR DOING BUSINESS USING BIOMARKERS - The present disclosure relates generally to methods for doing business by using one or more biomarkers (e.g., a subject's genetic polymorphisms) to improve the research, development, testing, commercialization and/or marketing of a drug by identifying those subjects for whom the particular drug is likely to be more effective. | 2012-02-02 |
