05th week of 2016 patent applcation highlights part 54 |
Patent application number | Title | Published |
20160034855 | LOCATION SHARING FOR EVENTS - One embodiment provides a method, comprising: sending, using a processor, an event having a specified time; receiving, using a processor, an acceptance of the event; and receiving, using a processor, location data of a user that accepted the event; wherein the location data is received for a predetermined time frame associated with the specified time of the event. Other embodiments are described and claimed herein. | 2016-02-04 |
20160034856 | WIND POWER PLANT MANAGEMENT SYSTEM AND METHOD THEREOF - Provided is a wind power generation management apparatus including: a collection unit configured to collect first data generated in a wind power plant; a fault occurrence prediction unit configured to compare the collected first data with a predefined normal state model, to create a second data indicating a state of the wind power plant based on a result of the comparison, and to predict occurrence of a fault in the wind power plant according to the second data; and a maintenance plan establishment unit configured to estimate an operating time corresponding to a time from a start of the wind power plant until the fault occurs, and to generate a maintenance plan which can be performed for the fault during the estimated operating time. | 2016-02-04 |
20160034857 | Methods and Systems for Mapping Repair Orders within a Database - Methods and systems for mapping repairs orders within a database are described. Mapping a repair order can include generating a searchable data record with multiple data record fields. Each data record field can include a term located on the repair order or a standard term associated with the term on the repair order. In order to retrieve repair orders from the database, the data records can be searched using search criteria that match standard terms storable in the data record fields. Although the repair orders can be searched to find repair orders with terms that match the search criteria, the search may be carried our more efficiently (e.g., quicker) by searching the data records instead of the repair orders. One or more repairs orders can be associated with real-fix tips. Phrases of the real-fix tips can be selected automatically based, for example, or RO terms recited on the repair orders. | 2016-02-04 |
20160034858 | CENTRAL SERVER FOR MANAGING MAINTENANCE AND MATERIAL FOR FLEET OF AIRCRAFT USING OPERATIONAL DATA - Turnkey maintenance of a customer's aircraft fleet is managed by a single management service provider (MSP) controlling integrated maintenance and materials services from a central operations site. The MSP converts data received directly from on-board aircraft systems into information it uses to manage maintenance service providers and parts suppliers. The MSP contracts with and manages maintenance, repair and overhaul organizations (MROs) who perform the maintenance on the customers' aircraft at line and base stations. The MSP either remotely manages part inventories at the customer's site, or manages suppliers who deliver the parts to the MROs. Maintenance planning, scheduling and execution information is exchanged between the MSP, MROs, part suppliers and the customers through a shared data communication network controlled by the MSP. The MSP charges the customer for the maintenance services based on a flat rate per unit of aircraft flying time. | 2016-02-04 |
20160034859 | SYSTEM AND METHOD FOR CASHLESS TRANSACTIONS - The present invention provides a method for cashless transaction at a point of sale. The method includes receiving unique information from a payment infrastructure corresponding to user. The unique information is received upon the user sending a request to the payment infrastructure. In addition, the method includes creating a data packet by a mobile device corresponding to the user. The data packet comprises an amount to be paid, the unique information, identity of the mobile device corresponding to the user a transaction number. The amount is entered by the user, wherein the data packet is encrypted. In addition, the method includes sending the data packet to a mobile device corresponding to a merchant. In addition, the method includes receiving an encrypted data from the merchant. In addition, the method includes sending information to the payment infrastructure, wherein the information comprises the decryption of the encrypted data received from the merchant. | 2016-02-04 |
20160034860 | INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING DEVICE, AND NON-TRANSITORY STORAGE MEDIUM ENCODED WITH COMPUTER READABLE INFORMATION PROCESSING PROGRAMM - An exemplary embodiment provides a configuration allowing promotion of communication among users by making use of exchange of a virtual currency. An information processing system includes a providing module configured to provide a content created by a first user to a second user and a management module configured to manage a virtual currency in association with each of the first and second users. The management module makes change such that the entirety or a part of the virtual currency associated with the second user is associated with the first user in response to an instruction from the second user, as appreciation of the content created by the first user. | 2016-02-04 |
20160034861 | METHOD AND APPARATUS OF CONTROLLING NETWORK PAYMENT - Methods and apparatuses of controlling a network payment are disclosed, which obtain a payment record when a selection of a payment instrument is needed, and determine a preferred payment instrument for a current transaction based on the payment record. By analyzing the payment record, a payment success rate of each payment instrument supported by a current payer under a current business scenario may be obtained, and a payment instrument having a maximum payment success rate may be set as the preferred payment instrument for the current transaction. The embodiments of the present disclosure therefore are able to implement an automatic selection of a payment instrument, reduce manual operations of a payer, simplify a payment process, and improve the payment efficiency and the transaction efficiency. In addition, using a payment instrument having a maximum payment success rate as a preferred payment instrument for a transaction may improve a success probability of a one-time payment, thus avoiding the need of re-selecting a new payment instrument and thereby improving the payment efficiency and the transaction efficiency. | 2016-02-04 |
20160034862 | DYNAMIC NETWORK TIMEOUT TUNING - Various embodiments herein each include at least one of systems, methods, software, and data structures that track timeout periods with regard to data processing requests, dynamically tune timeout periods within payment transaction processing systems, directly and indirectly decrease unproductive consumption of transaction processing resources, avoid situations giving rise to duplicate payments for a single purchase, and decrease transaction processing timeouts. Some such embodiments include monitoring a timeout period within a payment transaction processing system to stop processing and return a timeout error when a transaction timeout period is about or has expired while also stopping processing of the transaction and rolling back any portions of processing of the payment request that may have already been performed. | 2016-02-04 |
20160034863 | METHODS AND SYSTEMS FOR ELECTRONIC TRANSACTIONS - An example system can comprise a closed group of member financial institution servers. The system can comprise a data feed manager configured to communicate amongst the closed group of member financial institution servers over a network. The system can comprise a data aggregator configured to aggregate data related to transactions conducted by the closed group of member financial institution servers. The aggregated data can comprise an aggregated interest from the transactions. The system can comprise a distribution manager configured to determine one or more distribution levels for the member financial institutions and one or more seeding entities based on the aggregated data. | 2016-02-04 |
20160034864 | Payment Mode Selection - A system, method, and computer-readable storage medium configured to the electronic detection and presentation of available payment types by a mobile user device. | 2016-02-04 |
20160034865 | METHOD AND APPARATUS FOR MONEY TRANSFER - A staged bill payment transaction method comprises receiving transaction information from a user, building a staging record at a data center, and providing a retrieval key to the sender. The staging record comprises the transaction information and the retrieval key identifies the staging record for finalizing the transaction. | 2016-02-04 |
20160034866 | FRIENDLY FUNDING SOURCE MESSAGING - A sender can request payment of a third party invoice by messaging a receiver. The receiver may accept or deny the payment request. The request to pay a particular invoice may be sent via a sender through an on-line request, electronic mail and/or text messaging to a receiver who may have an account with an on-line payment provider. Upon receiving the request, the receiver may accept or decline the payment request via electronic mail and/or text messaging. If the receiver accepts the payment request, the amount of the invoice is deducted out of their on-line payment provider account. | 2016-02-04 |
20160034867 | SYSTEM AND METHOD FOR PROCESSING GIFT CARDS WHICH HIDE SOME GIFT CARD DATA - Disclosed herein is a method for enabling gift card recipients to redeem gift card amounts using existing payment accounts. A method identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. A notification is sent to the recipient that hides a parameter of the policy. When the recipient takes an action associated with the parameter, the parameter is revealed to the recipient. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. | 2016-02-04 |
20160034868 | DISPLAY SYSTEM WITH SECURITY FEATURES - The present disclosure provides a display system which includes an electronic device and a user-side auxiliary viewing module. The electronic device may include a device-side display module, which includes an array substrate, a color filter substrate, a liquid crystal layer arranged between the array substrate and the color filter substrate, and a first polarizer adhered onto a surface of the array substrate away from the liquid crystal layer. A second polarizer may be arranged on the user-side auxiliary viewing module, and have a polarization axis in a direction substantially perpendicular to a polarization axis of the first polarizer. | 2016-02-04 |
20160034869 | SYSTEM AND METHOD FOR PROVIDING A FLEXIBLE LICENSING SYSTEM FOR DIGITAL CONTENT - A system and method for providing a flexible licensing system for digital content is described. In some cases, the system utilizes tokens or other valuations to facilitate the purchase or exchange of content. | 2016-02-04 |
20160034870 | METHOD AND SYSTEM FOR IMPOSITION OF COSTS ON SPAM ADVERTISED MERCHANTS - A method for imposing fees on a merchant includes: storing, in a merchant database, a plurality of merchant profiles, wherein each merchant profile includes data related to a merchant in violation of a rule or regulation including at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific merchant identifier associated with a merchant involved in the payment transaction and a transaction amount; identifying, in the merchant database, a specific merchant profile where the included merchant identifier corresponds to the specific merchant identifier; processing, by a processing device, the payment transaction for the transaction amount; processing, by the processing device, a second payment transaction for the imposition of fees on the merchant involved in the payment transaction; and processing, by the processing device, a third payment transaction for revocation of the transaction amount. | 2016-02-04 |
20160034871 | MOBILE KIOSK FOR ENHANCED FINANCIAL PRODUCT OFFERINGS - In some embodiments, a mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk provisions financial products. The mobile kiosk receives information for a first configuration customized according to a first customer location, applies the first configuration, and provisions a first set of the financial products using the first configuration. The mobile kiosk then receives information for a second configuration customized according to a second customer location, applies the second configuration, and provisions a second set of the financial products using the second configuration. The second configuration differs from the first configuration and the second location differs from the first location. | 2016-02-04 |
20160034872 | SYSTEMS AND METHODS FOR MANAGING SELF CHECK OUT SERVICES - Some systems and methods are directed to a device agnostic architecture configured to control and/or manage the interactions between any front end store systems (e.g., self checkout (SCO) systems) for capturing purchase items and backend systems (e.g., point of sale (POS) subsystems) for completing purchase of the items. The device agnostic architecture can include a translation layer or translation component that mediates communications from and/or between the front end and backend systems. For example, the translation layer maps any commands received from any SCO and/or POS device into execution commands native to receiving systems. For example, back-end processing systems can be configured to control on-line identification of products and/or services for purchase, and manage execution of sales of any goods or services. The translation layer manages communication between SCO devices and the backend systems so each communicates with each other according to their respective formats (e.g., communication protocol and/or data format). | 2016-02-04 |
20160034873 | DIGITAL DOWNLOADING JUKEBOX SYSTEM WITH CENTRAL AND LOCAL MUSIC SERVERS - A digital downloading jukebox system including a central server and a plurality of remote jukebox devices each provided with a local server that preferably mirrors the central server and enables selected songs to be immediately downloaded to the jukebox for reproduction. The local server and jukebox may also provide, through control of the central server, song download services to other jukebox devices. The jukebox system may also act as a monitoring/management device for other coin operated equipment present in a location where the jukebox is located, thereby enabling the jukebox device to perform updates on other equipment under control of the central server. | 2016-02-04 |
20160034874 | LOCATING AND ORGANIZING DIGITAL RECEIPT DATA FOR USE IN IN-STORE AUDITS - The present invention extends to methods, systems, and computer program products for auditing in-store sales transactions when a digital receipt is issued. A receipt application server formulates a digital receipt from digital receipt data received from a POS system. The digital receipt is sent from the receipt application server to an auditor mobile device at the location of the POS system. A human auditor can view the digital receipt during an in-store audit. In some embodiments, one or both of the receipt application server and the auditor mobile device reorder receipt entries so that items having specified characteristics are presented more prominently on a display. For example, receipt entries can be re-ordered such that higher profit margin items, bulkier items, or more likely to be stolen items are presented more prominently. As such, a human auditor is more likely to expressly audit these types of items. | 2016-02-04 |
20160034875 | METHOD TO DISBURSE FUNDS USING RETAILER'S POINT OF SALE SYSTEM - A unique and novel method is disclosed whereby funds are made available in a secure fashion to people who do not have bank accounts but want the security of a direct deposit system. Employers receive the benefit of the reduction in paperwork and increase in safety, and the employee receives also safety in obtaining funds at greatly reduced costs and fees to the employee. This system uniquely operates using the return or refund portion of a retailers POS system at the cash register or through their customer service desk. This method also works with people wanting to transfer funds to others in a safe manner with reduced fees. This unique method uses a single transaction process to reduce complicated back end systems hardware and architecture to calculate remaining balances. Vendors benefit from this system in that they are able to accomplish the number one goal of any retailer: getting the customers into their stores. | 2016-02-04 |
20160034876 | Systems and Methods for Providing a Point of Sale Platform - This disclosure describes systems, methods, and computer-readable media related to providing a point of sale platform. In some embodiment, a point of sale (POS) device may receive information associated with an order and payment information associated with the order. The POS device may generate a first object based at least in part on the information associated with the order and a second object based at least in part on the payment information. The POS device may store the first object and the second object in a queue. The POS device may transmit the first object and the second object to a remote server. | 2016-02-04 |
20160034877 | SYSTEM AND METHOD FOR PROVIDING CONTACTLESS PAYMENT WITH A NEAR FIELD COMMUNICATIONS ATTACHMENT - A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack. | 2016-02-04 |
20160034878 | METHOD FOR COMMUNICATING AN ELECTRONIC TRANSACTION BY WAY OF A MOBILE TERMINAL - A method is proposed for communicating an electronic transaction between a point of sale ( | 2016-02-04 |
20160034879 | INTEGRATED ONLINE AND IN-STORE SHOPPING EXPERIENCE - Systems and methods for integrating online and in-store shopping are disclosed. The systems include a cashier station located in a store. The cashier station has a register, a product ID input device, and a screen accessible to a customer at the cashier station. An online site configured to facilitate ecommerce transactions between users and the store is also provided. The cashier station is in communication with the online store whereby recommended products are presented to the customer on the screen in response to the input of a product ID at the cashier station allowing the customer to make additional related purchases from the online site contemporaneously with the in-store purchase. | 2016-02-04 |
20160034880 | SYSTEMS AND METHODS FOR OPERATING TRANSACTION TERMINALS - Methods and apparatus for operating a transaction terminal. In an embodiment, a method includes receiving, by a proximity reader processor via a first channel, an activation signal from a payment terminal processor indicating initiation of a payment transaction with a proximity payment device. The proximity processor then executes a first process having a first queue that causes transmission of first instructions to a second process comprising a second queue, and then the second process is executed to run concurrently with the first process, wherein the second process causes the proximity processor to transmit application activation instructions via a reader interface and a second channel to the proximity payment device. The proximity processor terminates the second process when the application activation is completed without error. | 2016-02-04 |
20160034881 | SMART CARD READER WITH PUBLIC KEY INDEX ON HOST DEVICE - Aspects of the subject disclosure provide a reader device for managing transactions using financial instruments with encrypted data storage devices, such as integrated circuit cards (ICC). In some implementations, a reader device of the subject technology can be configured to access the encrypted information in an ICC via an index or table of keys stored on a host device. In operation, upon detecting an ICC, the reader device can obtain application or protocol information for the ICC and concurrently pre-fetch keys from the host device, so that the pre-fetched keys are received prior to or concurrently with the application or protocol information. In the event that the pre-fetch fails to provide the keys needed for the application or protocol of the ICC, the reader device can make a specific request for the exact keys needed for the application or protocol. | 2016-02-04 |
20160034882 | OBJECT RECOGNITION APPARATUS AND METHOD FOR MANAGING DATA USED FOR OBJECT RECOGNITION - An apparatus for managing data used for object recognition includes an image capturing unit configured to capture an image of an object, a storage unit storing image data of products registered for sale, an operation panel configured to receive a user selection, and a processor configured to determine the products registered for sale that are similar to the object, based on the captured image and the image data, display the similar products on the operation panel as user selectable items, determine one or more of the similar products designated by the user selection, and invalidate the designated similar products so that efficiency of object recognition by the apparatus can be improved. | 2016-02-04 |
20160034883 | MULTI-DESTINATION ROUTING OF TRANSACTIONS - Various embodiments herein each include at least one of systems, methods, software, and data structures that facilitate and perform aspects of multi-destination routing in payment processing transactions. Some embodiments include presenting a palate of graphical representations of payment transaction data processing nodes, each node representing a data processing task that may be included in processing a payment transaction. Such embodiments may further include presenting a canvas within which nodes maybe placed and linked, the links representing data processing routes between the nodes, and the nodes and links providing a graphical view of payment transaction processing routing. Some embodiments also include adding a node to the canvas and a route from an output of one node to an input of another node. A data representation of the graphical view may then be stored and used to process payment transactions. | 2016-02-04 |
20160034884 | METHOD AND SYSTEM FOR CHARGEBACK OF COUNTERFEIT GOODS - A method for processing a chargeback of counterfeit goods includes: storing a plurality of transaction data entries, each entry including data related to a processed payment transaction including transaction data and a merchant identifier; receiving a chargeback request, the request including identification data associated with a plurality of payment transactions and an indication of each of the plurality of payment transactions involving the sale of counterfeit goods; identifying a subset of transaction data entries based on the transaction data in each entry in the subset and the identification data in the chargeback request; initiating a chargeback for the processed payment transaction related to each transaction data entry in the subset; and initiating a payment transaction for an amount based on a number of transaction data entries in the subset, wherein the initiated payment transaction involves an entity associated with the chargeback request. | 2016-02-04 |
20160034885 | Communication Device - A method for making a purchase from an electronic device using an ear piece may include receiving audio information at a microphone of an ear piece, wherein the ear piece is made of a housing and a short range transceiver disposed within the ear piece. The method may further include wirelessly communicating information from the ear piece to the electronic device through the short range transceiver of the ear piece. The method is designed to allow using the electronic device to initiate a purchase based on the information from the ear piece. | 2016-02-04 |
20160034886 | Communication Device - A method for making a request using a set of stereophonic ear pieces may include receiving user input at an ear piece within the set of ear pieces, wherein each of the ear pieces may be made of an ear piece housing and a short range transceiver disposed within the ear piece. The method may further include wirelessly communicating the user input from the ear piece to an electronic device through the short range transceiver of the ear piece. The method may be designed to request delivery of audio information based on the user input. The method further be designed to deliver the audio information to the ear piece. | 2016-02-04 |
20160034887 | WEARABLE DEVICE AND METHOD FOR CONTROLLING THE SAME - A wearable device including a touchscreen; a wireless communication unit configured to communicate with an external terminal including an electronic wallet (SE, Secure Element), the external terminal wirelessly linked with the wearable device; and a controller configured to receive a preset user gesture, receive information relating to an account of the electronic wallet (SE) from the external terminal in response to the preset user gesture, display the received information on the touchscreen, and process an NFC (Near Field Communication) payment using the information displayed on the touchscreen. | 2016-02-04 |
20160034888 | PAYMENT CARD VIRTUALIZATION - Disclosed herein are methods and systems for facilitating payment from a branded stored-value account. In the disclosed systems and methods, a communications interface of a service provider system receives a confirmation that a stored-value account, branded for a first merchant, contains a value. The communications interface also receives a request to enable a payment using the value from the first-merchant-branded stored-value account at a second merchant. Then the communications interface transmits a request to the first-merchant-branded stored-value account for an amount from the first-merchant-branded stored-value account and receives the requested amount from the first-merchant-branded stored-value account. The communications interface and a processor of the service provider system then place the amount in a virtual account, and the communications interface initiates a display showing the amount in the virtual account as a branded stored-value account for the second merchant. | 2016-02-04 |
20160034889 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR AUTOMATED SEQUENTIAL ELECTRONIC PAYMENTS - In a scenario where a buyer purchases at least one of goods and services from a seller via an intermediary, at at least one of the intermediary and a third party, an indication is obtained that payment to the intermediary from the buyer is appropriate. Responsive to the indication, the at least one of the intermediary and the third party initiates a pull payment, via a payment card network, for an on-file payment card account number of the buyer. Responsive to success of the pull payment, the at least one of the intermediary and a third party initiates a push payment to the seller. | 2016-02-04 |
20160034890 | SYSTEMS AND METHODS FOR AN ISSUER CERTIFIED CARD - The present solution is directed to an architecture and a process for registering cards for use, such as bank cards, credit cards, loyalty cards, club cards, or any other card that is configured to carry data or monetary value. The solution provides safe and fast means for registering the card in a mobile computing environment. The system enables a card issuer to unambiguously identify an end user—for example, by one or two factor authentication. Responsive to the identification of the end user by the system, a 2D code that encodes the data needed for registration of the card is presented to the user. The data can be encrypted and the method of delivery to the user can be selected by user or the card issuer. With a mobile application, the user scans the presented 2D code. The mobile application transmits the data of the 2D code to the server, which decrypts and verifies the data. Responsive to decrypting and verifying the data, the card of the card holder is registered. In some implementations, the user may also wish to register the card with an e-wallet application on their mobile devices, such that the user may use the card from the mobile device at a later date | 2016-02-04 |
20160034891 | METHOD AND SYSTEM FOR ACTIVATING CREDENTIALS - Method and apparatus for activating credentials for transmission to a transaction processing system via a data communications network, the credentials being arranged in sets and a set including a unique identifier and verification data elements. Credentials are activated and are then available for use in at least one subsequent transaction. In the transaction, in response to receiving authorization from a user, the unique identifier and verification data elements from a set are transmitted to the transaction processing system on behalf of the user. Responsive to the user successfully authenticating, a plurality of options are transmitted to the user. This plurality of options corresponds to different set of credentials derived at least in part from data received via data communications from one or more trusted data processing systems remote from the user. The user selects one or more of the options resulting in one or more sets of credentials are activated. | 2016-02-04 |
20160034892 | METHOD AND SYSTEM FOR TRANSMITTING CREDENTIALS - Method and apparatus for transmitting credentials to a transaction processing system, the credentials arranged in sets and a set including a unique identifier and verification data elements. Credentials are activated and are then available for use in at least one subsequent transaction. In the transaction, in response to receiving authorization from a user, the unique identifier and verification data elements from a set are transmitted to the transaction processing system for the user. The credentials are activated using an activation mode selected from at least a first activation mode and a second activation mode. In the first activation mode, additional user input for the verification data elements associated with the unique identifier is received from the user. In the second activation mode, the user is authenticated, and verification data elements are received via a data communications network are received from a trusted data processing system remote from the user. | 2016-02-04 |
20160034893 | MEDICAL PAYMENT SYSTEM WITH DELAYED SETTLEMENT - Medical professionals may obtain payment authorization from their patients, even before the insurance company or other payer has determined the patient's ultimate financial obligation. In particular, the medical professional or their administrative staff may estimate the patient's financial obligations, obtain authorization for payment, and then subsequently collect payment at a later date once the actual financial obligation has been determined. | 2016-02-04 |
20160034894 | PERSONALIZED BUDGETS FOR FINANCIAL SERVICES - An illustrative embodiment of a computer-implemented process for personalized financial budget tracking receives a request for a user purchase transaction, wherein the user purchase transaction is one of a purchase transaction and a payment transaction and responsive to a determination of a payment method, determines whether the user purchase transaction is authorized. Responsive to a determination the user purchase transaction is authorized, the computer-implemented process determines whether personalized expense categories are activated and responsive to a determination the personalized expense categories are activated, prompts for a category code. Responsive to receiving the category code, the computer-implemented process tracks expenses using a personalization category code received, wherein the personalization category code received is associated with the user purchase transaction. | 2016-02-04 |
20160034895 | PERSONALIZED BUDGETS FOR FINANCIAL SERVICES - An illustrative embodiment of a computer-implemented process for personalized financial budget tracking receives a request for a user purchase transaction, wherein the user purchase transaction is one of a purchase transaction and a payment transaction and responsive to a determination of a payment method, determines whether the user purchase transaction is authorized. Responsive to a determination the user purchase transaction is authorized, the computer-implemented process determines whether personalized expense categories are activated and responsive to a determination the personalized expense categories are activated, prompts for a category code. Responsive to receiving the category code, the computer-implemented process tracks expenses using a personalization category code received, wherein the personalization category code received is associated with the user purchase transaction. | 2016-02-04 |
20160034896 | SYSTEMS AND METHODS FOR EXTENDING IDENTITY ATTRIBUTES AND AUTHENTICATION FACTORS IN AN ePAYMENT ADDRESS REGISTRY - The present invention relates to a network of registries that are: synchronized in whole or in part to a root registry; and are compilations of registrant data from accredited Identity Providers that accept liability for registering verified and accurate identity attributes. Registries associate a unique identifier with: a financial account owner's Personally Identifying Information; one or more linked publicly discoverable ePayment addresses to an account at a Financial Institution and a financial account owner's profile of preferences related to the capture, handling, transfer and storage of monetary and informational assets. Preferences extensions include: operating instructions and rule sets; and authentication factors that may make use of time sensitive data at one or more institutions. | 2016-02-04 |
20160034897 | AUTOMATED FRAUD DETECTION - Transaction information for a card transaction is automatically and selectively rendered to a screen of a display presented to a user. The user can edit zero or more operators and selected values provided in the screen and save any such edits. When saved, the transaction information and any edited operators and/or selected values are used to generate a rule for a fraud detection system for immediate application. Subsequent card transactions are evaluated in view of the generated rule to automatically detect any fraudulent transactions present in the card transactions. | 2016-02-04 |
20160034898 | Systems and Methods for Identifying Merchants that Pose Transaction Risks to Purchasing Entities - Systems and methods are provided for identifying when a merchant poses a transaction risk to a purchasing entity. One exemplary method includes receiving a request to review a merchant to determine if the merchant poses a transaction risk to a purchasing entity, and searching for the merchant in a merchant database. The merchant database includes merchant data for multiple merchants that are associated with risk events indicative that the multiple merchants pose transaction risks to the purchasing entity. The method also includes flagging the merchant when the merchant is identified in the merchant database. | 2016-02-04 |
20160034899 | Fuel Dispenser Anti-Skimming Input Device - Systems and methods for detecting fraud. One method includes providing an input device, the input device having processing circuitry, a memory, and at least one information receiving module for receiving information associated with a user of the input device. The method also includes providing a sensor in electronic communication with the processing circuitry. The sensor has a sensor coil, and the sensor coil is disposed proximate the at least one information receiving module. Further, the method includes flowing alternating electrical current through the sensor coil to generate a magnetic field, measuring at least one electrical characteristic of the sensor, and providing first information representative of the at least one electrical characteristic to the processing circuitry. Finally, the method includes storing in the memory second information representative of at least one predetermined value of the at least one electrical characteristic and comparing the first information with the second information. | 2016-02-04 |
20160034900 | AUTHENTICATION SYSTEM WITH MESSAGE CONVERSION - A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message. Additionally, the server computing device receives messages formatted according to the second message format from the authorization computer and translates them into messages formatted according to the first message format to be sent to the user's computing device. | 2016-02-04 |
20160034901 | CONTROLLED ACCESS TO FUNCTIONALITY OF A WIRELESS DEVICE - Various embodiments of the invention may be used to verify that a person being authorized by biometric techniques to use a device is a living person and not some form of recording intended to spoof the system. Some embodiments may try to cause a change in a measured biometric feature, and compare images taken before and after the change to verify the change occurred. In some embodiments, multiple stages of verification may be used, either to increase the difficulty of spoofing the security system, or to provide different levels of security for different levels of access to the device's functionality. | 2016-02-04 |
20160034902 | INTELLIGENT CUSTOMER EXPERIENCE SYSTEM - An intelligent system for managing a customer experience may consist of at least of a controller resident in a server that is positioned at a physical address. The controller can log a customer action and subsequently match the customer action with a customer profile. The controller may predict a customer satisfaction value and prompt an employee to engage in a staff action with a graphical user interface that is connected to the controller. The staff action can be selected by the controller in response to the customer satisfaction value to increase the customer's satisfaction and optimize the customer's experience. | 2016-02-04 |
20160034903 | Modifying A Number Of Opportunities In A Customer Relationship Management (CRM) System - A method for modifying a number of opportunities in a customer relationship management (CRM) system includes obtaining, from a CRM system, a number of opportunities, the opportunities representing a complex record structure in the CRM system, in which each of the opportunities captures a number of fields of metadata, comparing the metadata associated with the opportunities with a number of archived opportunity templates to create a comparison, analyzing the comparison to identify a number of patterns for the opportunities, and modifying, based on the number of patterns for the opportunities, the opportunities to create at least one new opportunity. | 2016-02-04 |
20160034904 | DETERMINING A POLICY CHANGE FOR AN OUTCOME RELATED TO AN OPPORTUNITY - Determining a policy change for an outcome related to an opportunity includes monitoring factors and outcomes associated with opportunities stored in a customer relationship management (CRM) system, extracting the factors and the outcomes associated with the opportunities stored in the CRM system into a queryable database, analyzing, via a queryable database, the factors and the outcomes associated with the opportunities to identify patterns related to the outcomes of the opportunities, and determining, based on the patterns related to the outcomes of the opportunities, a policy change to improve the outcomes related to the opportunities. | 2016-02-04 |
20160034905 | BROADCASTING INCIDENT RESOLUTION INFORMATION TO SERVICE DESK STAFF MEMBERS - A service desk is managed by broadcasting a symptom and a root cause of a customer incident to service desk staff members. In response to receiving input of a service desk staff member, the symptom and the root cause of the customer incident may be stored in a personal knowledge base of the service desk staff member. A personal memory trigger may also be received from the service desk staff member, and the personal memory trigger may also be stored in the personal knowledge base. The personal memory trigger may include free-form text that has meaning to the service desk staff member relative to a given incident. The symptom and root cause of a customer incident may be retrieved from the personal knowledge base of the service desk staff member in response to receiving at least some of the free-form text from the service desk staff member. | 2016-02-04 |
20160034906 | INTEGRATED MERCHANT PURCHASE INQUIRY AND DISPUTE RESOLUTION SYSTEM - When an account holder contacts the issuer of the account to dispute a transaction conducted with a merchant using the account, the issuer may request additional transaction details, such as purchased item level details, from the merchant via the merchant integrated dispute resolution platform. A real-time purchase inquiry sent to the merchant may request purchase information or transaction information (e.g. purchased item details, order information, order history, shipping and delivery information, etc.) associated with the transaction. The merchant may send a real-time response to the merchant integrated dispute resolution platform which may forward all or a portion of the received information to the issuer in real-time. The entire communication between the issuer, the merchant integrated dispute resolution platform and the merchant may be a sessionless (or stateless) communication, i.e. all communication among the parties may occur in a single session which may last 10 seconds or less. | 2016-02-04 |
20160034907 | MONITORING FOOD PRODUCTS - Systems, methods, and computer program products to improve food safety in a food and beverage supply chain. Embodiments disclosed herein utilize prepared product tags to continuously monitor food and beverage temperatures. The temperatures and other associated data may be wirelessly transmitted to centralized locations for aggregation and storage. Mobile devices may directly communicate with the product tags to receive the temperature data. A host of management applications may utilize the data in order to ensure that safety rules and guidelines are met, while also providing valuable business insight. | 2016-02-04 |
20160034908 | Employee Certification Management System - The Employee Certification Management System allows an organization to monitor the certification records of employees. Employee records are unique and require certifications relative to the department they are working in. This system also stores required certification documents and allows them to be downloaded by employees. An employee may log on and request supervisor approval for certifications. A supervisor may log on and approve required certifications or add additional training. Reports can be displayed on screen or printed as formatted PDF files for each employee. A system administrator has full control over the system through a built in interface. | 2016-02-04 |
20160034909 | INCORPORATING GREEN SCORES INTO AN E-COMMERCE SYSTEM - A method of encouraging environmental-friendliness among users of a network-based publication system is disclosed. It is detected that a user of a network-based publication system has engaged in a transaction. A transaction green score is calculated for the transaction. The transaction green score reflects an impact on the environment of the engagement by the user in the transaction. A user green score for the user is calculated. The calculating of the user green score includes combining the transaction green score with previous transaction green scores calculated for previous engagements by the user in previous transaction. The user green score is communicated for presentation in a user interface. | 2016-02-04 |
20160034910 | DATA PROCESSING OF CARBON OFFSETS FOR ENTITIES - Disclosed are various embodiments for performing data processing to identify an entity to offset carbon credits. A geolocation of a client device performing a transaction where an item is purchased is determined. At least one entity is identified from a plurality of potential entities from a data store based at least in part on the geolocation of the client device. An amount of carbon credits required to offset an amount of greenhouse gas emissions that has been or will be produced in association with the item is determined. If the transaction is to include a purchase for the amount of carbon credits, information associated with the transaction is communicated to the entity over a network. | 2016-02-04 |
20160034911 | Expert System for Rating Credence Goods' Claims to Being Environmentally Friendly - An expert system for evaluating the criteria of environmental labels on consumer products is presented. The system employs a special purpose computer for receiving information about environmental labels, obtaining the criteria used these environmental labels, and sending information to teams of experts who independently evaluate each criteria section against the ISO standards for environmental labels. The system then stores the criteria and the expert evaluations of the criteria and calculates an overall rating for a product based on its environmental labels. The experts work independently on different aspects of rating criteria before a final to assure a reliable final rating. Users may access information about an environmental label, for example, through a mobile device with a camera and interact access. The present invention allows consumers to purchase products based on an impartial rating and avoid being misled by unreliable environmental labels. | 2016-02-04 |
20160034912 | WATER RIGHTS ANALYSIS SYSTEM - Exemplary water rights analysis systems and methods are disclosed herein. An exemplary method includes obtaining water rights data from a water rights agency database, maintaining a database of water rights data, receiving from a user a search query for water rights data, and presenting the search results on the user device. The exemplary method may additionally or alternatively include displaying on the user device one or more graphical elements on a geo-reference base layer representing one or more water rights data elements, such as a point of diversion change. Corresponding methods and systems are also disclosed. | 2016-02-04 |
20160034913 | SELECTION OF A FRAME FOR AUTHENTICATION - Examples disclosed herein provide methods for selecting a frame from a set of frames. One example method includes obtaining a set of frames and, for each frame from the set of frames, determining whether frame meets a quality condition. The example method further includes assigning a quality score for each frame from the set of frames, and selecting a frame from the set of frames, where the selected frame has a higher quality score than other frames from the set of frames. | 2016-02-04 |
20160034914 | PROCESS FOR CROWD-SOURCED COMPLETION OF INVESTIGATIVE TASKS - A process for crowd-sourced completion of one or more investigative tasks may be utilized by intellectual property (IP) rights holders to identify trends in the infringement of intellectual property rights. As such, the inventive process may be utilized as a mobile trademark monitoring system. The process includes the steps of registering a plurality of users in a database on a centralized platform, and providing a software application to each of the users. The software application generates a report including information pertaining to the investigative task. A system server receives separate reports from two or more of the users and the reports are analyzed to identify trends. | 2016-02-04 |
20160034915 | DOCUMENT PERFORMANCE INDICATORS BASED ON REFERRAL CONTEXT - A computer-implemented method for providing performance indicators of destination documents includes identifying a referral document to a destination document, where the referral document comprising a source of at least one visitor to the destination document. The method also includes extracting referral keywords from content of the referral document, the referral keywords corresponding to a referral context of the referral document. The method further includes determining a degree of correlation between the referral document and the destination document based on a comparison between the referral keywords and destination keywords, the destination keywords corresponding to destination context of the destination document. Additionally, the method includes providing one or more performance indicators to a user based on the correlation between the referral document and the destination document, where the one or more performance indicators correspond to a performance metric that quantifies interactions between visitors and the destination document. | 2016-02-04 |
20160034916 | METHOD AND SYSTEM FOR IDENTIFYING PAYMENT CARD HOLDER INTERESTS AND HOBBIES - A method and a system are provided for identifying payment card holder hobbies or interests. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information. The method further includes analyzing the first set of information to construct one or more groupings of merchants based on merchant line of business or merchant association with a hobby or interest; analyzing the first set of information to identify one or more payment card holder purchase behaviors; and associating the one or more payment card holder purchase behaviors with the one or more groupings of merchants to identify one or more payment card holder hobbies or interests. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships. | 2016-02-04 |
20160034917 | SYSTEMS AND METHODS FOR DETERMINING ENHANCED MERCHANT IDENTIFICATION - A computer implemented method for creating merchant profiles based on check transactions is provided. The method uses a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions including payment by a check where each payment transaction includes plurality of fields from the associated check that include at least a payee field, an address field, and a memo field, generating a list of unique merchants based in part on the payee fields of the plurality of payment transactions, generating two or more merchant profiles, and determining one or more connections between two or more merchant profiles in the plurality of merchant profiles. Each connection represents a relationship or association between two or more merchant profiles. The method also includes storing the one or more connections and the two or more merchant profiles. | 2016-02-04 |
20160034918 | SYSTEM AND METHOD FOR MANAGING CUSTOMER FEEDBACK - In a method for managing customer feedback, the method includes: receiving, by a processor, an answer to a survey question, wherein the answer to the survey question is associated with a customer; transmitting, by the processor, a notification to a first electronic device, in response to the answer to the survey question having a value less than a threshold value; receiving, by the processor, a reply communication via a first communication medium from the first electronic device, wherein the reply communication comprises an instruction to contact the customer; and initiating a connection, by the processor, between the first electronic device and a second electronic device associated with the customer in a second communication medium different from the first communication medium in response to the receiving of the reply communication. | 2016-02-04 |
20160034919 | COLLECTION AND AGGREGATION OF LARGE VOLUME OF METRICS - A system processes a large volume of real time hierarchical system metrics using distributed computing by stateless processes. The metrics processing system receives different types of hierarchical metrics coming from different sources and then aggregates the metrics by their hierarchy. The system is on-demand, cloud based, multitenant and highly available. The system makes the aggregated metrics available for reporting and policy triggers in real time. The metrics aggregation and roll up method involves two different classes of stateless java programs that work in tandem to receive, aggregate and roll up the incoming metrics. The method also involves a persistence store to save incoming and aggregated metrics. The method uses a quorum to communicate between these processes. | 2016-02-04 |
20160034920 | Modifying A Number Of Opportunities In A Customer Relationship Management (CRM) System - Modifying a number of opportunities in a customer relationship management (CRM) system includes obtaining, from a CRM system, a number of opportunities, the opportunities representing a complex record structure in the CRM system, in which each of the opportunities captures a number of fields of metadata, comparing the metadata associated with the opportunities with a number of archived opportunity templates to create a comparison, analyzing the comparison to identify a number of patterns for the opportunities, and modifying, based on the number of patterns for the opportunities, the opportunities to create at least one new opportunity. | 2016-02-04 |
20160034921 | REASSIGNING A BUSINESS HIERARCHY OF ROLES ASSOCIATED WITH AN OPPORTUNITY IN A SOCIAL CUSTOMER RELATIONSHIP MANAGEMENT (CRM) SYSTEM - Reassigning a business hierarchy of roles associated with an opportunity in a social customer relationship management (CRM) system includes receiving modifications, the modifications representing an adjustment to a business hierarchy of roles, identifying, in a social CRM system, an opportunity associated with the business hierarchy of roles, and reassigning, based on the modifications, the opportunity associated with the business hierarchy of roles, in which reassigning, based on the modifications, the business hierarchy of roles associated with the opportunity includes adding or deleting a member or a department from the business hierarchy of roles. | 2016-02-04 |
20160034922 | Determining Brand Exclusiveness Of Users - Embodiments of the present invention relate to a determination of a user's exclusiveness toward a particular brand. User-specific entities are extracted from social media content associated with a user. At least a portion of the user-specific entities are brand-related entities that are specifically relevant to a particular brand. These brand-related entities are analyzed with respect to the user-specific entities extracted from the social media content to determine a level of exclusivity of the user to the brand. | 2016-02-04 |
20160034923 | SYSTEMS AND METHODS FOR MULTI-CHANNEL DATA AGGREGATION - Systems and methods for multi-channel data aggregation that can facilitate consumer engagement are provided to enable customer-centric solutions by collecting data across the lifecycle of consumers, studying usage patterns and protection needs and facilitating meaningful collaborations between peers and experts. Gamification techniques are employed to aggregate voluminous data captured from multiple channels that can be analyzed for usage patterns to provide an insight into consumers' psyche and enable tailor-made solutions for promoting consumer stickiness. | 2016-02-04 |
20160034924 | ESTIMATING DISTRIBUTION OF PERSONS IN A PHYSICAL ENVIRONMENT - Tracking systems and methods of estimating a distribution of persons in a physical environment are provided. A tracking system may comprise a wireless receiver configured to detect instances of a wireless signal from each mobile device passing through an entryway in and out of the environment and a computing device configured to identify an identifier transmitted in each instance and compute a trip time for each mobile device and an aggregate trip time spent by all mobile devices during an analysis period. The computing device may read a probability map that indicates a probability that one of the mobile devices is located in each predetermined location and oriented in a predetermined direction. The computing device may assign each time unit a predetermined location and orientation based on the probability map, and for a selected target location, compute and display an aggregate time and a probability distribution of shopper orientation. | 2016-02-04 |
20160034925 | SYSTEMS AND METHODS FOR IDENTIFYING CARDHOLDER STOCK-PILING BEHAVIOR - A computer-implemented method for identifying cardholder stock-piling behavior is implemented by a purchase analysis computer system in communication with a memory. The method includes retrieving at least one stock-piling profile used to identify transaction characteristics consistent with a stock-piling event wherein the stock-piling profile includes a plurality of ranges of expected cardholder transaction volumes associated with a plurality of categories of transactions, receiving a plurality of transaction data associated with the plurality of categories of transactions, determining an actual cardholder transaction volume for each of the plurality of categories of transactions, and identifying cardholder stock-piling behavior by comparing the actual cardholder transaction volume to the range of expected cardholder transaction volume for each of a plurality of categories of transactions. | 2016-02-04 |
20160034926 | DETERMINING A MONETARY VALUE FOR AN OUTCOME BASED ON A USER'S ACTIVITY - Determining a monetary value for an outcome based on a user's activity includes monitoring activities of a user utilizing a number of applications associated with a customer relationship management (CRM) system, determining, based on monitoring the activities of the user utilizing the number of applications, outcomes for the activities of the user, the outcomes being associated with opportunities stored in the CRM system, assigning a contribution value to the outcome based on the activities of the user, and determining, based on the contribution value, a monetary value for the outcomes. | 2016-02-04 |
20160034927 | Customer Relations Intelligence - A system and method for customer true understanding based on behavioral economics, comprising: retrieving parameters from an organization's data sources, the parameters including historical operations of the organization's clients; providing a dependent variable indicating consumer behavior and its operational definition; creating a random sample of the retrieved parameters; selecting cognitive heuristics and biases that may be tested using the sample parameters; partitioning the selected heuristics into clusters wherein each cluster is assigned a grade; assigning psychological attributes to clusters; testing the influence of each psychological attributes on the dependent variable; scoring the attributes per customer; and calculating the value of a super variable by a weighted sum of the attributes. | 2016-02-04 |
20160034928 | SYSTEMS AND METHODS FOR PROMOTIONAL FORECASTING - A system for promotional forecasting in a retail environment is provided. The system includes at least one processor coupled to a memory storing sales history information associated with a product, an interface configured to receive a promotion configuration profile including an indication of the product and a state of a plurality of promotion variables, and a promotional forecasting component. The promotional forecasting component is configured to determine a base sales quantity of the product based on the sales history information, determine a lift factor for each promotion variable, the lift factor indicative of an effect of the promotion variable on the base sales quantity, determine a total lift factor for the promotion configuration profile based on the lift factor for each promotion variable and the state of each promotion variable, and determine a forecasted sales quantity for the product based on the base sales quantity and the total lift factor. | 2016-02-04 |
20160034929 | Computerized Method for Extrapolating Customer Sentiment - Method and systems are provided to extrapolate customer sentiment from interactions that customers have with an organization. Customer interaction data can include performance indication data, customer interface data, status of accounts data, and/or customer survey data. For each customer an overall sentiment score is determined. The overall sentiment score can be based on a positive or negative score that is determined for each data item within the customer interaction data. | 2016-02-04 |
20160034930 | SYSTEM AND METHOD FOR MANAGING CUSTOMER FEEDBACK - In a method for managing customer feedback, the method includes: receiving, by a processor, a survey response to a survey question; associating, by the processor, the survey response with a corresponding key performance indicator (KPI); calculating, by the processor, a KPI score for the survey response to the survey question based on the corresponding KPI and the survey response, wherein the KPI score is normalized to a predetermined range of scores; and outputting, by the processor, the KPI score for prompting an action in response. | 2016-02-04 |
20160034931 | SYSTEMS AND METHODS FOR GENERATING A LOCATION SPECIFIC INDEX OF ECONOMIC ACTIVITY - The systems and methods described herein can index the economic activity in a trade area of a location by identifying a set of data concerning the economic activity of a plurality of locations and storing it with the associated geographic position of each of the locations. A geographic trade area is then determined for each of the locations, using either a pre-set area defined as a radius from the location or through input by a user. The database is queried to identify all of the locations within the trade area of the subject location. The economic activity associated with the locations is aggregated and compared across time periods to create the index of the economic activity within the subject location's trade area. The economic activity from these locations may also be weighted by any number of factors, including distance from the subject location, and type of retailer. | 2016-02-04 |
20160034932 | METHODS AND APPARATUS FOR PROMOTING FINANCIAL BEHAVIORAL CHANGE - Some embodiments of the invention provide tools for promoting a user's financial well-being by encouraging positive financial behavior through timely feedback, counseling and instruction. For example, some embodiments of the invention may provide real-time (e.g., in response to a transaction being performed, or in response to the user indicating he/she is contemplating a transaction) useful analysis and advice designed to encourage the type of ongoing financial behavior that leads over time to financial well-being. | 2016-02-04 |
20160034933 | COMMUNITY MARKETING SYSTEM AND THE OPERATION METHOD THEREOF - A community marketing system is disclosed in the present invention, the present invention comprises the price computing apparatus, the coupon apparatus, the share-feedback apparatus, and the direct feedback apparatus. The present invention also discloses that the operation method for the community marketing system, firstly processing the categories pricing step, and then transmitting an order from the categories pricing to the coupon apparatus, the share-feedback apparatus, and the direct feedback apparatus, and processing the calculation for the share-feedback step, and the direct feedback step. | 2016-02-04 |
20160034934 | System and Method for a Vendor to Create a Virtual Sales Force That Rewards a Salesperson at Two Distinct Points - A system and method for creating a virtual sales force that rewards a salesperson at two distinct points. A vendor develops a virtual sales force by providing a first value and a second value to the salesperson and at least one consumer. The vendor can then win new consumers and repetitive business therefrom without expending heavily on more traditional marketing efforts. The salesperson purchases products from the vendor and provides contact information and network information about potential consumers to receive the values from the vendor. The vendor shares the information on the network, based on the provided network and contact information. The consumer records the values from the network and purchases products or services from the vendor to receive the values. The software application generates revenue by licensing registration information provided by the salesperson to the vendor. In this manner, each party is incentivized. | 2016-02-04 |
20160034935 | METHOD AND A SYSTEM FOR AUTOMATICALLY SELECTING AN INFLUENCER SUITABLE FOR ENDORSING A BRAND'S PRODUCT OR SERVICE - An advertising system for automatically selecting an influencer suitable for endorsing a brand's product or service is also disclosed. The advertising system is selectively in operative communication with one or more influencers and one or more brands. The advertising system comprises of an influencer data repository configured to store the data relating to a plurality of registered influencers and a brand data repository configured to store the data relating to a plurality of brand's offering product or service for endorsement. The advertising system further comprises of an advertising engine, selectively in operative communication with the influencer data repository, configured to select an influencer to endorse at least one product or service by an influencer-brand metric. The influencer-brand metric comprises a plurality of identifiers to automatically evaluate an influencer's awareness, appeal and relevance to a brand's image and their influence on consumer buying behavior. | 2016-02-04 |
20160034936 | SOCIAL-REFERRAL NETWORK METHODS AND APPARATUS - A computer implemented method, apparatus and computer readable medium for monetizing online referral social networks. The online referral social network system confirms a particular online referral social network member indicated in one or more communications for registering a user as having referred the user to the online referral social network is a member of said online referral social network. A referral commission is determined and paid the particular identified referring member. | 2016-02-04 |
20160034937 | Systems and Methods for Enhanced Price Adjustment Location and Sharing of Rewards with Partners - Systems and methods for enhanced price adjustment location systems in accordance with embodiments of the invention are illustrated. In one embodiments, a price adjustment location server system includes a processor and a memory connected to the processor and storing a price adjustment location application, wherein the price adjustment location application directs the processor to identify partner data, generate a partner link code, generate price adjustment link data based on the generated partner link code, provide the price adjustment link data, obtain engagement data describing engagement with the price adjustment link data, calculate reward data describing the rewards generated by the engagement described in the engagement data, and distribute the calculated rewards based on the identified partner data. | 2016-02-04 |
20160034938 | METHOD AND APPARATUS FOR AUTOMATED PAYMENT DISTRIBUTION FOR A MULTI-LEVEL SOCIAL NETWORK - Certain embodiments are described that allows for automated payment distribution for a multi-level social network. Embodiments of the invention include a multi-tiered social sales network of affiliates and multi-level sales individuals (e.g., national, regional, and/or local) whereby the sale is initiated via a communication, ad, and/or broadcast of a sales opportunity. A purchaser may then act upon the communication, ad, and/or broadcast, whereby incentive payments (e.g., commissions, etc.) are paid out to parties associated with the sale. These parties can involve sales individuals (e.g., in a multi-level sales organization) whom are responsible (directly or indirectly) for the specific sale. | 2016-02-04 |
20160034939 | METHOD AND APPARATUS FOR PROVIDING INTERNET BASED MARKETING CHANNELS - This invention is an interactive internet based system that will allow customers to view, and participate in multiple incentive programs via said single interactive internet based system. The customers will be able to choose for themselves from a list of qualifying incentive programs. Additionally, the customers will be ready to track and control their participation, including the redemption of the aforementioned incentives. Furthermore, this system allows vendors to create, manage, and track their incentive programs utilizing the same interactive internet based system. Vendors will be able to design, submit, and manage their own customer incentive programs and business activity down to the customer level, wherein the data is updated real time or daily. | 2016-02-04 |
20160034940 | RESTRICTED USE CONSUMER COUPON AND METHOD USING SAME - A computer system ( | 2016-02-04 |
20160034941 | SYSTEM AND METHOD FOR PROCESSING GIFTS BETWEEN DIFFERENT EXCHANGE MEDIUMS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for creating a gift in one medium of exchange from stored value in another medium of exchange. The system accesses a first account representing stored value in a first medium of exchange, and chooses an amount of the stored value from the first medium of exchange. Then the system converts the amount of the stored value to a second medium of exchange to yield a converted amount, and gives the converted amount in the second medium of exchange to a recipient as a gift, wherein the gift is associated with a recipient account for the second medium of exchange, and wherein the gift is associated with a policy monitoring transactions made using the recipient account such that the converted amount is applied to a transaction satisfying conditions of the policy. | 2016-02-04 |
20160034942 | One and Only Card - A single universal consumer identity and savings card program that replaces multiple separate card programs provided by chain retailers. | 2016-02-04 |
20160034943 | METHOD FOR PROVIDING STAMP SERVICE BASED ON BEACON SIGNAL - A method for providing a service through a stamp service server, includes: receiving user information and beacon information from a user terminal, wherein the user terminal recognizes a beacon signal output from a beacon device and transmits the beacon information contained in the beacon signal; extracting stamp information matching the received user information on a stored database; providing the extracted stamp information to a POS (Point Of Sale) corresponding to the beacon information; receiving stamp saving information or stamp use information from the POS terminal; and generating or updating stamp information matching the user information included in the stamp saving information or the stamp use information. | 2016-02-04 |
20160034944 | INTEGRATED MOBILE LISTING SERVICE - An Integrated Mobile Listing Service vehicle is self-contained and equipped with technical facilities for listing, marketing, packing, shipping and completing online sales. A seller can summon, or meet the vehicle on a scheduled route . A seller need provide nothing more than the item to realize a sale. A system comprises a User Interface module for controlling an imaging module, a marketing and listing module, a fulfillment center module and a banking center module, an imaging module for capturing images of an item for online sale and providing input to marketing and listing module, a marketing and listing module for generating a complete online listing from the captured images of the item and providing input to a fulfillment center module, a fulfillment center module for packing, shipping and tracking the item, and providing input to a banking center module, and a banking center module for transferring payment funds. | 2016-02-04 |
20160034945 | SLICE COMPETITOR IMPRESSION PENETRATION BY USER TYPE AND AD FORMAT - Systems and methods for providing competitive analysis are provided. A data processing system can receive from a first content provider a selection of a value for a targeting criteria. A second content provider associated with the first content provider is determined. A content format served by the second content provider is determined based on the selected value for the targeting criteria, over a predetermined period of time. The data associated with the second content provider and the content format is provided to the first content provider. | 2016-02-04 |
20160034946 | SYSTEM AND METHOD FOR PROVIDING AND MANAGING THIRD PARTY CONTENT WITH CALL FUNCTIONALITY - Systems and methods for implementing an online content item campaign with selective call functionality can include a processor determining a rendering frequency of instances of a third-party content item for rendering with a call icon, based on a resource of the third-party content provider. The processor can provide a first instance of the content item for rendering with the call icon in accordance with the rendering frequency of instances. A call bridge device can receive a call from the client computing device upon actuation of the call icon, direct the call to a phone number of the third-party content provider, and determine a parameter of the call. The processor can adjust the rendering frequency of instances based on the parameter of the call and provide instances of the content item for display by client computing devices with the call icon in accordance with the adjusted rendering frequency of instances. | 2016-02-04 |
20160034947 | ASSESSING THE IMPACT OF SEARCH RESULTS AND ONLINE ADVERTISEMENTS - An aspect of the present invention relates to tracking and analyzing a computer user's behavior after viewing a particular search result or a particular advertisement to assess the impact of having viewed the search result or advertisement. | 2016-02-04 |
20160034948 | SYSTEM AND METHOD FOR FRACTIONAL ATTRIBUTION UTILIZING USER-LEVEL DATA AND AGGREGATE LEVEL DATA - Embodiments provide fractional attribution using aggregate-level information as well as user-level data. For example, aggregate data may be used to determine marginal conversion probabilities for individual attributes within each channel. For channels that have user-level data, the marginal conversion probabilities may be determined using user-level data associated with converted users and aggregate-level data associated with non-converting users. Different channels may have different attributes and the channels may be weighted, in one embodiment, via a causal analysis using instrumental variables. Each conversion path may be characterized by a set of attributes. Additionally, each conversion path may have touch points. The marginal conversion probabilities for the attributes may be combined to produce an importance weight for each touch point on a converting path. These importance weights can be normalized across the touch points on the converting path to obtain attribution results. | 2016-02-04 |
20160034949 | Determining Suspicious Advertisements By Comparing Advertisement Content And Content Associated With An Advertisement Landing Page - A online system receives advertisement (“ad”) requests for presentation to online system users, with each ad request including advertisement content and identifying a landing page. The online system determines whether the advertisement content differs from content associated with a landing page identified by an ad request. One or more topics associated with the advertisement content are identified, as well as one or more topics associated with content on the landing page. By comparing topics associated with the advertisement content to topics associated with the landing page content, the online system determines if the advertisement content and landing page content differ. If the advertisement content differs from the landing page content, the online system may prevent the ad request from being presented or may identify the ad request for manual review. | 2016-02-04 |
20160034950 | Identifying Malicious Text In Advertisement Content - An online system receives advertisement requests from one or more advertisers and determines whether an advertisement request includes malicious content before presenting content from the advertisement request to a user. To determine whether the advertisement request includes malicious content, the online system identifies text in the advertisement request, identifies words in the text, and identifies characters in each word. The online system identifies a most common type of character in each word and generates a score for each word based on its constituent characters. For example, a word's score is based on the combination of characters in the word, such as a conditional probability of a word including a type of character given that the word includes a given number of the most common type of character. The scores are analyzed to determine if text in the advertisement request includes malicious content. | 2016-02-04 |
20160034951 | ALLOCATING PROMINENT DISPLAY SPACE FOR QUERY ANSWERS - Systems, methods, and computer-readable storage media are provided for allocating prominent display space for relevant answers to search queries. Upon receipt of a search query, an intent associated with the search query is determined. That is, it is determined what question the search query states or implies is on the mind of the search query originator. Once the intent is determined, an answer to the search query is determined, for instance, by reference to one or more of search query history logs, search engine click metrics, user history (specific and/or aggregate), and search query categories. The answer is then paired with a sponsor and prominent display space is allocated. The answer and indicia associated with the sponsor are caused to be presented in association with one another in the prominent display space on a search engine results page. | 2016-02-04 |
20160034952 | Control apparatus and accelerating method - A control apparatus increases a velocity of capital and/or resources when developing, marketing and selling products. The control apparatus includes a user acceptance module for receiving parameters describing a system user, and for analyzing the parameters to determine whether or not the system user is acceptable to the control apparatus; a logic of operation module for collecting commercial activity of the at least one system user, and for analyzing, treating and modeling data and parameters associated with the commercial transaction activities of at least one system user, and for feeding commercial transaction monitoring and buffering modules and advertising module information and recommendations optimum advertising time and host; the commercial transaction monitoring module for monitoring and/or facilitating the commercial transactions of the system user, accepted by the control apparatus, with customers of the system user; and the commercial transaction buffering module for receiving payment associated with the commercial transactions of the system user, and for providing to the system user, payments or rewards, including in the form of credit, which are at least one of: temporally in advance of receipt of payment associated with the documented sales of the products of the system user to the system user customers, at temporal intervals which are more frequent than receipt of payment by the control system of documented sale of the products to the customers; and the advertising module arranged for communicating with devices connected to a network of computer servers for directly placing or ceasing an advertisement of a product of the at least one system user, on at least on device or website. | 2016-02-04 |
20160034953 | Customer Management & Support System for Multiple Enterprises - A system prompts acceptance of, (a) a change of phone service interface to divert calls by customers and (b) a change of intermediary handling payment transaction records enabling access to records of payment transactions made by customers of the enterprise and names of individual customers. A communication interface responsive to change in phone interface or transaction payment data intermediary by the communication manager, acquires customer related, email, phone and transaction data for an enterprise. A data processor processes the acquired data to associate at least one of email, phone and transaction records with corresponding respective customers in response to text matching record data with customer name data. A data analyzer analyzes the processed acquired data to identify a particular customer to target with a marketing message and initiate a marketing communication to the particular customer. | 2016-02-04 |
20160034954 | Delivering targeted advertising to mobile devices - A method of delivering advertising items to a client at a portable device is provided. A client ID is sent to a host server. A downloaded advertising item is produced relative to a product or service from the host server. The downloaded advertising item is parsed and stored. In response to the parsing and storing, displaying the advertising item is displayed to the client at the mobile device. | 2016-02-04 |