| 10th week of 2013 patent applcation highlights part 52 |
| Patent application number | Title | Published |
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| 20130060588 | MODELING AND MONITORING A RELATIONSHIP WITH A CLIENT AND ASSESSING THE QUALITY OF THE RELATIONSHIP - A method and system of managing a relationship between a provider and a client. A project model, organization model and stakeholder model are generated. Based on the project, organization and stakeholder models, factors that influence the relationship between the provider and the client are defined. The factors are evaluated by receiving results of data mining artifact(s) of the project, surveying the provider and/or client with a role-based survey, and capturing experiences provided by the provider and/or client. A status of the relationship is proactively monitored based on the evaluated factors. Based on historical information about the relationship and based on the evaluated factors, the status of the relationship between the provider and the client is assessed. | 2013-03-07 |
| 20130060589 | ASSOCIATE RISK ANALYSIS - Methods and apparatus according to the invention are directed towards providing means for identifying a selection of entity associates that may contain a perpetrator of claimed fraud against an entity account. Means are also provided for scoring the associates within the selection as to relative likelihood of being the perpetrator. Identification means and scoring means may include analyses of the number and nature of connections associates may have with the frauded account, with other entity accounts, with past claims of fraud, and with other associates. | 2013-03-07 |
| 20130060590 | CONCISE COMMUNICATION OF REAL-TIME BUSINESS INFORMATION IN AN ENTERPRISE NETWORK - A method, system, computer program product, and related business methods for concisely communicating real-time business information to end users in an enterprise network is described. An integrated business system having at least ERP and CRM functionality is accessed via browser-based user interface. A plurality of portlet windows are simultaneously displayed within a browser window, each portlet window occupying a relatively small area therein. The portlet windows are selected and arranged according to a customizable user profile for each user, and include reporting portlets displaying up-to-date business results retrieved from the integrated business system. Each reporting portlet further comprises report access links associated with at least one of the business results that, when selected by the user, invoke browser-based displays of up-to-date business data underlying those business results. Preferably, in accordance with a user-customizable alert setting stored in the user profile, regular electronic mail messages are sent to the user communicating up-to-date versions of those business results. Preferably, data labels that identify business items within the browser-based user interface and on the electronic mails are expressed in a business vernacular tuned to each user according to customizable business vernacular settings in their user profiles. | 2013-03-07 |
| 20130060591 | METHOD AND SYSTEM FOR CREATING ELECTRONIC BUSINESS REFERRALS WITH CLOUD COMPUTING - A method and system for creating electronic business referrals with cloud computing. Existing clients, customers or patient of a provider of professional services request a unique referral identifier tracking code (e.g., a unique QR code, etc.). The unique referral identifier tracking code is used by others as an automatic referral method to automatically schedule and appointment at a provider of the professional services, automatically record a referral discount for fee charged by the provider of the professional services and automatically record a referral credit for the existing client, customer or patient at provider of the professional services. The automatic referral method is completed with an electronic referral application in a cloud computing application when the unique referral identifier tracking code is received anywhere on a cloud computing network using less bandwidth and less processing cycles via the cloud communications network than via a non-cloud communications network. | 2013-03-07 |
| 20130060592 | MEETING ARRANGEMENT WITH KEY PARTICIPANTS AND WITH REMOTE PARTICIPATION CAPABILITY - A meeting system is provided for managing or otherwise facilitating meetings. In an embodiment, the meeting system automatically determines a plurality of meeting options at times during which the meeting may take place. The meeting system ranks the meeting options based on participant availability. In another embodiment, the meeting system receives planning data before the meeting begins. The planning data may include decision items, which identify decision to be made during the meeting, and action items, which identify tasks to be assigned during the meeting. The meeting system automatically presents the decision items and action items to participants during the meeting. In another embodiment, the meeting system receives user input that assigns action items to a particular person. The meeting system updates the schedule of the particular person by adding the action item. | 2013-03-07 |
| 20130060593 | MEETING PLANNER - A meeting system is provided for managing or otherwise facilitating meetings. In an embodiment, the meeting system automatically determines a plurality of meeting options at times during which the meeting may take place. The meeting system ranks the meeting options based on participant availability. In another embodiment, the meeting system receives planning data before the meeting begins. The planning data may include decision items, which identify decision to be made during the meeting, and action items, which identify tasks to be assigned during the meeting. The meeting system automatically presents the decision items and action items to participants during the meeting. In another embodiment, the meeting system receives user input that assigns action items to a particular person. The meeting system updates the schedule of the particular person by adding the action item. | 2013-03-07 |
| 20130060594 | POST MEETING PROCESSING - A meeting system is provided for managing or otherwise facilitating meetings. In an embodiment, the meeting system automatically determines a plurality of meeting options at times during which the meeting may take place. The meeting system ranks the meeting options based on participant availability. In another embodiment, the meeting system receives planning data before the meeting begins. The planning data may include decision items, which identify decision to be made during the meeting, and action items, which identify tasks to be assigned during the meeting. The meeting system automatically presents the decision items and action items to participants during the meeting. In another embodiment, the meeting system receives user input that assigns action items to a particular person. The meeting system updates the schedule of the particular person by adding the action item. | 2013-03-07 |
| 20130060595 | INVENTORY MANAGEMENT AND BUDGETING SYSTEM - Systems and methods for forecasting a buying budget for a future inventory and selling period includes receiving historical revenue and historical inventory data associated with a particular category of products. Selling seasons are defined from the historical revenue and historical inventory data. For each selling season, a buying budget may be determined indicating how much a retailer should spend purchasing inventory for the season. A user interface may be used to modify various inputs that may impact the buying budget for a given season, such as modifying the definition of a seasonal period and modifying monthly revenue goals. | 2013-03-07 |
| 20130060596 | Easy Process Modeling Platform - The present disclosure describes methods, systems, and computer program products for generic process modeling. One method includes identifying a business process for execution, the business process defined by one or more process steps, identifying a process routing table associated with the identified business process, at least a portion of the process routing table including one or more entries defining a set of business process rules for the identified business process, identifying a particular entry in the process routing table associated with a current state of the identified business process; and performing at least one action defined by the identified particular entry in the process routing table. In some instances, at least one entry in the process routing table is associated with one of a plurality of process patterns, with each process pattern comprising a reusable, predefined operation. | 2013-03-07 |
| 20130060597 | KNOWLEDGE AND PROCESS BASED ESTIMATION SYSTEM FOR ENGINEERING PRODUCT DESIGN - According to the one aspect of the present disclosure, a method for knowledge and process based estimation model for product development activities of engineering services comprises: accepting a plurality of input details of a product. A component of the product is chosen for the purpose of estimation. The method of the present embodiment also comprises choosing the complexity of the component. A stream for estimation is selected and a process depending on the stream is also selected. Furthermore, the method comprises, choosing the complexity of the process to estimate. Based on all the selected parameters, the pre-defined data is estimated. A report can also be generated based on the estimated data. The method further defines the process of mapping effort estimates for engineering activities in a product development lifecycle phases to a unique work sizing metric called Engineering Functions Units of Work (EFUoW). | 2013-03-07 |
| 20130060598 | Supply Chain Risk Management Method and Device - The invention comprises a device for and method of managing supply chain risk at a computer system device comprising a processor, a memory subsystem in communication with the processor, and computer executable instructions storable in the memory subsystem and executable by the processor to perform the method, the method comprising determining a degree of supply chain risk to an enterprise as a function of an effect of a disruption of delivery of the production input to the enterprise on a financial performance metric of the enterprise. | 2013-03-07 |
| 20130060599 | People Risk Portal - A computer server hosts a web portal used to customize and display data associated with personnel factors affecting business at a particular geographic location. The data may be collected covering a number of human resource factors, such as personal income, age, crime rate, education, corruption, healthcare and others and may be used to analyze problems such as recruitment, training, retention, etc. A portal allows access to the data for an individual location as well as presenting side-by-side comparison of multiple locations. The portal further allows a user to apply a custom weight to each factor according to the needs of a particular business, such as high tech or consumer products, to allow more meaningful analysis of the location or locations. | 2013-03-07 |
| 20130060600 | RISK REPORTING LOG - Risk organizing and tracking systems are provided. Users may enter risks relevant to a business entity and associate one or more parameters. The parameters may be chosen from a default list or created by a user. A risk scoring algorithm may also be selected or provided. Scores for the risks may then be generated using the risk scoring algorithm. | 2013-03-07 |
| 20130060601 | PRIVACY-PRESERVING ADVERTISEMENT TARGETING USING RANDOMIZED PROFILE PERTURBATION - A distribution and scheduling system for advertisements that targets ads to users and maximizes service-provider revenue without having full knowledge of user-profile information. Each user device stores a user profile and is pre-loaded with a set of ads that could possibly be shown during a timeslot. Each user device selects and displays an ad based on the user profile but does not identify the selected ad to the service provider. Instead, the user devices provide perturbed user-profile information in the form of Boolean vectors, which the service provider uses in conjunction with a guaranteed-approximation online algorithm to estimate the number of users that saw a particular ad. Thus, the service provider can charge advertisers for the number of times their ads are viewed, without knowing the users' profiles or which ads were viewed by individual users, and users can view the targeted ads while maintaining privacy from the service provider. | 2013-03-07 |
| 20130060602 | SYSTEMS AND METHODS TO DETERMINE IMPACT OF TEST SUBJECTS - Example systems and methods to determine the impact or effectiveness of a test subject on a panelist are disclosed herein. An example method involves obtaining first implicit response data from a panelist at a first time period before an interaction during which the panelist is exposed to a test subject, obtaining second implicit response data from the panelist at a second time period after the interaction, and determining an impact of the test subject on the panelist based on the first and second implicit response data. | 2013-03-07 |
| 20130060603 | Business Performance Forecasting System and Method - The invention disclosed is a system for providing an aggregated econometric database with selectable sources of economic data. The econometric database is accessible to a system application that graphically displays econometric data over selected periods, and allows display of external economic data in conjunction with internal company metrics. The system applications further provide for identifying the features of indicators, economic and business forecasting, and providing alerts based on the available econometric data. | 2013-03-07 |
| 20130060604 | System for Using Personality Trait Identification to Match Consumers with Businesses - An improved method for providing a consumer matching service, of the type having the steps of establishing a database of participating businesses which includes information on the experiences available from these businesses and also collecting consumer contact and experience sought information, includes the steps of: (a) establishing a consumer personality trait profile in which one's personality traits are predictive of how one is most likely to make a purchase or selection decision as it relates to choosing between an array of experiences available to a consumer, (b) ascribing to each of the available experiences similar personality traits, and (c) matching the consumer personality trait profile to the personality traits ascribed to the available items so as to compile for the consumer a list of ranked businesses which offer the experiences being sought by the consumer and most optimally match to the consumer's personality trait profile. | 2013-03-07 |
| 20130060605 | Selection Of A Consensus From A Plurality Of Ideas - A method of forming a consensus from a collection of ideas is disclosed. The ideas are divided into non-exclusive groups for evaluation, with each group being provided to a participant for voting. The votes are tallied, and for each idea a “win percentage” is calculated, which is defined as the ratio of the number of groups in which a particular idea wins the voting, divided by the number of groups in which a particular idea appears. Each idea that has a “win percentage” that exceeds a particular threshold is passed on to one or more subsequent rounds of voting. In the first round of voting, the groups are configured so that no two ideas compete against each other more than once. | 2013-03-07 |
| 20130060606 | EFFICIENT CONTRACTING WITH ASYMMETRIC INFORMATION - Techniques include accessing predetermined utility of customers based on customer types and qualities. The qualities are based at least on previously identified non-functional characteristics of services that influence decisions of the customers in buying the services from a service provider. Based at least on the accessed predetermining utility, quality-price pairs are determined to create a predetermined amount of profit for the service provider assuming the service provider offers the services to a customer having the customer type at a level of quality corresponding to an associated one of the qualities in a pair and for the corresponding price in the pair. Each quality in the pairs corresponds to one of the customer types. Determining the price-quality pairs further includes mapping one or more of the service-related characteristics to one or more information technology resources in response to the service-related characteristic being dependent on one or more other service-related characteristics. | 2013-03-07 |
| 20130060607 | System and Method for Strategizing Interactions With a Client Base - The present disclosure describes novel systems and methods that can be utilized to evaluate and/or direct an interaction with a consumer database and/or evaluate a consumer database, where the consumer database contains information about consumers and particular products and/or services held or used by the consumers. The interactions may be, for example, determining a strategy for sales, marketing, cross-selling, and/or retaining one or more of the consumers. The evaluations may include, for example, hierarchically ranking the consumers and/or determining a clustering of the consumers. | 2013-03-07 |
| 20130060608 | METHODS AND APPARATUS TO DETERMINE MOBILE DEVICE MARKET SHARE - Methods and apparatus to determine mobile device market share are disclosed. An example method includes generating a panel of phone numbers; querying a network register to determine a hardware address associated with a phone number of the panel of phone numbers; associating the hardware address with at least one of a manufacturer or a model of a mobile device; and calculating a mobile device market share based on the association of the hardware address with the at least one of the make or the model of the mobile device. | 2013-03-07 |
| 20130060609 | Automated System And Method For Managing Goals - A goal management system stores at least first and second goals. The goal management system also stores a relationship between the first goal and the second goal. In one aspect, the goal management system detects modification of the first goal and, in response, causes the second goal to be automatically highlighted for alignment verification. The second goal is a parent goal to the first goal, and the relationship is stored as a parent link associating the first goal with the parent goal. The goal management system also stores an owner for the first goal. In response to detecting modification of the parent goal, the goal management system causes the first goal to be automatically highlighted for alignment verification in a display associated with the owner of the first goal, based on the parent link. Additional aspects relate to additional technological solutions which facilitate goal management through, for example, goal alignment. | 2013-03-07 |
| 20130060610 | METHODS AND SYSTEMS OF USING PERSONALIZED MULTI-DIMENSIONAL AVATAR (PMDA) IN COMMERCE - A personalized multi-dimensional avatar (PMDA) to represent individuals are used for dynamically searching for elements in a computer-based commerce system that matches a subject element to a target element. In one aspect, permissioning preferences of the represented individual control contacting the represented individual and/or using the PMDA specifications. In another aspect, desired items and sources of the items are identified to individuals. In another aspect, the PMDAs are used to identify desired customers. | 2013-03-07 |
| 20130060611 | METHOD FOR VISUAL PRESENTATION OF PERFORMANCE INDICATORS OF A BUSINESS UTILIZING SQUARIFIED TREE MAPS - In the process disclosed herein, data representing key performance indicators of a business are displayed by computer means as a squarified tree map containing major and minor nodes. Relative size, position, color and intensity of color of the node are used to form a display particularly appealing to the perceptive, intuitive, rather than cognitive, interpretive, processes of the human mind; thus enables users, such as managers of the business, to quickly assess the relative importance of large amounts of business data and thereby prioritize managerial action that may be necessary. Increasingly detailed information underlying each node may be displayed by panning over and zooming through a number linked displays, each of which may contain underlying, parallel and otherwise related data, thereby assist the user identify the specific cause or causes of a desirable or undesirable performance deviation. | 2013-03-07 |
| 20130060612 | Parliamentary Collaboration and Democratic Database System, Method, and Computer Program Product - An exemplary networking system incorporating parliamentary procedures where standards may be built, debated, adopted and enforced by a plurality of organizations and users is set forth. The parliamentary procedure of each organization is itself a standard, which may be managed by the system. A system, method and/or computer program product may include a method for building structured documents by a collaborative process over computer networks, including: receiving, by at least one processor, from one or more organization(s) a configurable parliamentary structure; receiving, by the at least one processor, from the organization(s) at least one organizational bylaw for the organization(s) defined in at least one document; and receiving, by the at least one processor, at least one edit for the at least one document, adoptable by the organization(s); wherein said at least one organizational bylaw comprises computer readable instructions enforceable by the at least one processor system. | 2013-03-07 |
| 20130060613 | SYSTEM AND METHOD FOR CONTEXT-RICH DATABASE OPTIMIZED FOR PROCESSING OF CONCEPTS - A computer-implemented method and system of disciplining data input to a multi-contextual and multi-dimensional database is described. A template identifying subject matter specific settings is provided, where the settings comprise a default ontology or taxonomy, a reserved word or phrase list, and restricted value ranges, and where the template includes a template identification and a version. A new record is generated based on the template. Alternatively, a record is generated by copying or inheriting information from an existing record in the database. A unique identification code is assigned to the record including a reference to the template identification and version. A weight is assigned to each record representing a level of diligence used at a time of data entry, where the level of diligence is dependent in part on the default ontology or taxonomy and the reserved word or phrase list. | 2013-03-07 |
| 20130060614 | Local network for beauty salons - The invention provides a self-contained local network for a group of specialized beauty salons located in a certain area. The main distinction of the proposed beauty-salon service network is that it allows subscribed customers to obtain products, advertisements, consultations, and other services that cannot be obtained at all or for competitive costs from stores, shops, or salons beyond the network. The network includes a common, powerful computer or server that is connected through a web site of a master salon with individual web sites of other salons of the system, a plurality of services that include consultation services from remotely located top stylists, cosmetologists, etc. The network also provides access to an Internet shop, delivery service, scheduling service, etc. | 2013-03-07 |
| 20130060615 | MANAGING ACCESS TO DIGITAL CONTENT ITEMS - Techniques are provided for managing access to a digital content item (such as an ebook, music, movie, software application) to be transferred from one user to another. The transferor is prevented from accessing the digital content item after the transfer occurs. The entity that sold the digital content item to the transferor enforces the access rights to the digital content item by storing data that establishes which user currently has access to the digital content item. After the change in access rights, only the transferee is allowed access to the digital content item. As part of the change in access rights, the transferee may pay to obtain access to the digital content item. A portion of the proceeds of the “resale” may be paid to the creator or publisher of the digital content item and/or the entity that originally sold the digital content item to the original owner. | 2013-03-07 |
| 20130060616 | MANAGING ACCESS TO DIGITAL CONTENT ITEMS - Techniques are provided for managing access to a digital content item (such as an ebook, music, movie, software application) to be transferred from one user to another. The transferor is prevented from accessing the digital content item after the transfer occurs. The entity that sold the digital content item to the transferor enforces the access rights to the digital content item by storing data that establishes which user currently has access to the digital content item. After the change in access rights, only the transferee is allowed access to the digital content item. As part of the change in access rights, the transferee may pay to obtain access to the digital content item. A portion of the proceeds of the “resale” may be paid to the creator or publisher of the digital content item and/or the entity that originally sold the digital content item to the original owner. | 2013-03-07 |
| 20130060617 | Rewarding Fiscal Responsibility - An enhanced rewards server may analyze the progress of an individual, group, and/or organization towards a financial goal and may reward the individual, group, and/or organization once the goal has been achieved. The enhanced rewards server may analyze various pieces of information, including transaction data related to credit cards and bank accounts, to determine whether the individual, group, and/or organization is making progress towards the financial goal. In addition, the rewards server may consider progress evaluations made by a social network associated with the individual, group, and/or organization in deciding whether or not a reward should be transmitted. | 2013-03-07 |
| 20130060618 | Method and System for Electronic Wallet Access - A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified. Preferably, at least one of the transaction modules is configured for contactless transaction operations over a contactless communication link. | 2013-03-07 |
| 20130060619 | Computational systems and methods for regulating information flow during interactions - Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one request for personal information from a party to a transaction; evaluating the transaction; and negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction. | 2013-03-07 |
| 20130060620 | Computational systems and methods for regulating information flow during interactions - Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one request for personal information from a party to a transaction; evaluating the transaction; and negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction. | 2013-03-07 |
| 20130060621 | MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS - A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction. | 2013-03-07 |
| 20130060622 | Electronic wallet coupon redemption method - A method for preventing fraudulent use of electronic coupons, discount certificates, and similar opportunities in mobile electronic commerce. Once a user has received an opportunity via the user's mobile device, the coupon, certificate, etc. may be redeemed. Redemption mechanisms may include a bar code which appears on the screen of the mobile device which is simply scanned at the point-of-sale or an alphanumeric code may be sent which the clerk types into her register. Thereafter, the user hands his device to the cashier, retailer, etc. whereupon the cashier undertakes the necessary actions to complete the process, for example, by selecting a “redeem” option appearing on the screen and entering a code. | 2013-03-07 |
| 20130060623 | SYSTEM AND METHOD FOR MANAGING AND REDEEMING OFFERS WITH A LOCATION-BASED SERVICE - A location-based service is provided that may be integrated with venue systems, credit card processing systems, and/or loyalty systems for purposes of increasing the likelihood that offers will be accepted and sales of products and services will be made. Such a system according to various embodiments may leverage a social network of the user, and extend particular brand loyalties throughout the social network. That is, certain offers may be passed among users of the social network, permitting others to take advantage of offers thereby increasing the brand awareness and loyalty of particular venues. Further, according to certain embodiments, because an offer management and redemption system may be integrated with a location-based service, offers may be extended at or near the venue location. To this end, users may be provided one or more tools for accepting, purchasing and/or redeeming offers. | 2013-03-07 |
| 20130060624 | Computational systems and methods for regulating information flow during interactions - Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one persona from a party to a transaction; evaluating the transaction; and negotiating receipt of at least one different persona from the party to the transaction at least partly based on an evaluation of the transaction. | 2013-03-07 |
| 20130060625 | Computational systems and methods for regulating information flow during interactions - Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one persona from a party to a transaction; evaluating the transaction; and negotiating receipt of at least one different persona from the party to the transaction at least partly based on an evaluation of the transaction. | 2013-03-07 |
| 20130060626 | SYSTEM AND METHOD FOR MANAGING AND REDEEMING OFFERS WITH A LOCATION-BASED SERVICE - A location-based service is provided that may be integrated with venue systems, credit card processing systems, and/or loyalty systems for purposes of increasing the likelihood that offers will be accepted and sales of products and services will be made. Such a system according to various embodiments may leverage a social network of the user, and extend particular brand loyalties throughout the social network. That is, certain offers may be passed among users of the social network, permitting others to take advantage of offers thereby increasing the brand awareness and loyalty of particular venues. Further, according to certain embodiments, because an offer management and redemption system may be integrated with a to location-based service, offers may be extended at or near the venue location. To this end, users may be provided one or more tools for accepting, purchasing and/or redeeming offers. | 2013-03-07 |
| 20130060627 | PROXIMITY-DEPENDENT SHOPPING OFFER - This document describes techniques and apparatuses enabling a proximity-dependent shopping offer. In some embodiments, the techniques determine, based on information about a user of a mobile device, that the user is likely to be interested in a particular product. The techniques may also determine that the user is conveniently near to a store at which to purchase the product. By so doing, the techniques enable stores to target offers to a person that is likely to be interested in visiting the store. | 2013-03-07 |
| 20130060628 | Online digital-advertising agency and media-buying method and system - A system and method for promoting commercial-media advertising and generating advertising revenue on the Internet is disclosed that enables creators of digital-media content to buy and sell media content and exhibition time directly through an online electronic marketplace. The system and method provide a platform allowing commercial advertising media buyers to both bid for and buy exhibition time directly from exhibition sellers who exhibit their videos on the Internet; and provides digital-video exhibition sellers the platform to both offer for sale and sell exhibition time directly to bidding advertising media buyers. The Invention recognizes that digital-video content creators can and do exhibit their own video content on a multitude of sites on the Internet, and in that respect, have the potential to attach a commercial element to their video content and receive monetary compensation from commercial sponsors for the product's exhibition. | 2013-03-07 |
| 20130060629 | Optimization of Content Placement - Systems and methods for optimizing the placement of online advertisements based on information describing user interactions with previous advertisement. The information include primary activity data describing user responses that directly caused the previous advertisements to pay and secondary activity data describing user responses to the previous advertisements that did not directly cause the previous advertisements to pay. A performance ratings of candidate advertisements are determined based upon the primary activity data and secondary activity data. An advertisement from the candidate advertisements for the placement opportunity is selected based on their performance ratings | 2013-03-07 |
| 20130060630 | Advertisement Distribution System, Device and Method, and Advertisement Distribution Program - An advertisement transmitted from an advertisement distributor terminal and advertisement distribution request information are mutually associated and stored in an advertisement distribution management device. Further, user information transmitted from the user terminal is added with identification information, and stored in the advertisement distribution management device. Thereafter, the advertisement distribution management device acquires user identification information in response to a Web site reading requirement transmitted from the user terminal, and extracts all category information belonged to by advertisements the distribution of which are approved by the user with reference to a user information is determined out of the category information. Furthermore, one advertisement is determined out of the advertisements that belong to the category information, and the advertisement is transmitted to the user terminal. | 2013-03-07 |
| 20130060631 | AD CACHE MAINTENANCE METHODS AND APPARATUS - Methods and apparatus relating to ad cache maintenance, e.g., determining when ad cache replenishment should occur, replenishing ad cache content and/or updating the content of an ad cache, on a device which supports the presentation of advertisements (ads) are described. Signals are received by a first device including an ad cache. The signals are received from other devices, e.g., devices in the direct wireless communications range of the first device. Received signals are processed and provide context information, e.g., information about the surrounding, services available, stores in the region, etc., in which the first device receiving the signals is at a given point in time. Context information is stored. As new context information is generated from received signals the newly generated set of context information is compared to a previously generated set of context information. Changes in context information are detected and used in performing ad cache maintenance operations. | 2013-03-07 |
| 20130060632 | Methods and Systems for Providing Mobile Advertising Using Data Networks Based On Intelligence Data Associated with Internet-Connectable Devices Derived Using Graph Data Models - Computer systems and methods for providing mobile advertising using data networks based on intelligence data associated with Internet-connectable devices derived using graph data models are provided. In some embodiments, the computer systems and methods may comprise representing Internet-connectable device and associated data as nodes in a graph data model and relationships between the nodes as edges. In some embodiments, the nodes and edges may be traversed to help determine optimal ads to serve the Internet-connectable devices. | 2013-03-07 |
| 20130060633 | PRIVACY-ENHANCED INTERNET ADVERTISING SYSTEM - The present invention is a system and method for managing the IP address space allocation of an ISP to reduce the probability that a subscriber's physical location can be discovered based on its IP address. In particular, the present invention is a system and method operable to detect and manage the IP address space allocation of an ISP that is taking part in an advertising system over a communications medium. The system and method of the present invention may incorporate or otherwise be operable to achieve any of the following: isolating individual member IP address statistics as part of an advertising system; finding individual and logical target groups that achieve a level of demand and popularity among the advertising system; and implementing embodiments of mechanisms to dynamically modify the IP address allocation of one or a plurality of such members within the ISP address allocation system. | 2013-03-07 |
| 20130060634 | METHODS AND APPARATUS FOR SELECTING ADVERTISEMENTS - Methods and apparatus related to selecting advertisements for presentation based on, e.g., received signals from devices in the proximity to a user's communications device, are described. In various embodiments a mobile device monitors for signals, e.g., peer discovery or other signals, from other devices which transmit, e.g., broadcast, advertisement related information. In various embodiments a device receives advertising information from an advertising device, e.g., AdPoint. In the case of peer to peer signaling, the AdPoint may be in close proximity to the user device receiving the advertising information. Advertising information received from devices in proximity to the user device are used in selecting an advertisement for presentation. Distance from the user device to the AdPoint transmitting an advertisement or advertisement identifier, distance to a store to which an advertisement relates, and/or distance to a location to which an advertisement relates, are taken into consideration when selecting an advertisement for presentation. | 2013-03-07 |
| 20130060635 | SYSTEM AND METHOD FOR MANAGING AND REDEEMING OFFERS WITH A LOCATION-BASED SERVICE - A location-based service is provided that may be integrated with venue systems, credit card processing systems, and/or loyalty systems for purposes of increasing the likelihood that offers will be accepted and sales of products and services will be made. Such a system according to various embodiments may leverage a social network of the user, and extend particular brand loyalties throughout the social network. That is, certain offers may be passed among users of the social network, permitting others to take advantage of offers thereby increasing the brand awareness and loyalty of particular venues. Further, according to certain embodiments, because an offer management and redemption system may be integrated with a location-based service, offers may be extended at or near the venue location. To this end, users may be provided one or more tools for accepting, purchasing and/or redeeming offers. | 2013-03-07 |
| 20130060636 | SYSTEM AND METHOD FOR MANAGING AND REDEEMING OFFERS WITH A LOCATION-BASED SERVICE - A location-based service is provided that may be integrated with venue systems, credit card processing systems, and/or loyalty systems for purposes of increasing the likelihood that offers will be accepted and sales of products and services will be made. Such a system according to various embodiments may leverage a social network of the user, and extend particular brand loyalties throughout the social network. That is, certain offers may be passed among users of the social network, permitting others to take advantage of offers thereby increasing the brand awareness and loyalty of particular venues. Further, according to certain embodiments, because an offer management and redemption system may be integrated with a location-based service, offers may be extended at or near the venue location. To this end, users may be provided one or more tools for accepting, purchasing and/or redeeming offers. | 2013-03-07 |
| 20130060637 | SYSTEM AND METHOD FOR MANAGING AND REDEEMING OFFERS WITH A LOCATION-BASED SERVICE - A location-based service is provided that may be integrated with venue systems, credit card processing systems, and/or loyalty systems for purposes of increasing the likelihood that offers will be accepted and sales of products and services will be made. Such a system according to various embodiments may leverage a social network of the user, and extend particular brand loyalties throughout the social network. That is, certain offers may be passed among users of the social network, permitting others to take advantage of offers thereby increasing the brand awareness and loyalty of particular venues. Further, according to certain embodiments, because an offer management and redemption system may be integrated with a location-based service, offers may be extended at or near the venue location. To this end, users may be provided one or more tools for accepting, purchasing and/or redeeming offers. | 2013-03-07 |
| 20130060638 | Methods and Systems for Providing Mobile Advertising Using Data Networks Based On Intelligence Data Associated with Internet-Connectable Devices - Computer systems and methods for providing mobile advertising using data networks based on intelligence data associated with Internet-connectable devices are provided. In some embodiments, the computer systems and methods may comprise determining an audience category associated with a user of an Internet-connectable device based on location and/or network events associated with the Internet-connectable device. In these embodiments, an audience value for the user of the Internet-connectable device may be determined based on at least the audience category associated with the user of the Internet-connectable device, wherein the audience value represents an audience segment comprising a subgroup of Internet-connectable device users defined based on at least one criterion. At least one advertisement may then be served to the Internet-connectable device, wherein the at least one advertisement is determined based on the audience value. | 2013-03-07 |
| 20130060639 | Methods and Systems for Providing Mobile Advertising Using Data Networks Based On Groupings Associated with Internet-Connectable Devices - Computer systems and methods for providing mobile advertising using data networks based on groupings associated with Internet-connectable devices are disclosed. In some embodiments, the computer systems and methods may comprise receiving and/or retrieving events; grouping the events into an events group; determining an audience value for a user of the Internet-connectable device based on the events group, wherein the audience value represents an audience segment comprising a subgroup of Internet-connectable device users defined based on at least one criterion; and transmitting an advertisement to the Internet-connectable device, wherein the advertisement is determined based on the audience value. | 2013-03-07 |
| 20130060640 | Methods and Systems for Performing Proximity-Based Targeting of Advertisements to Internet-Connectable Devices and Utilizing Predicted Locations of Internet-Connectable Devices Using Data Networks - Computer systems and methods for performing proximity-based targeting of advertisements to Internet-connectable devices and utilizing predicted locations of Internet-connectable devices using data networks are provided. In some embodiments, the computer systems and methods comprise receiving from an Internet-connectable device at least one location event captured by the Internet-connectable device; determining a latest location of the Internet-connectable device based on the at least one location event; determining a proximity of the Internet-connectable device to a campaign location based on the latest location of the Internet-connectable device; and transmitting an advertisement to the Internet-connectable device based on the proximity of the Internet-connectable device to the campaign location. | 2013-03-07 |
| 20130060641 | PROMOTIONAL CONTENT PROVIDED PRIVATELY VIA CLIENT DEVICES - Techniques are described for providing a promotional content server system for conditionally displaying promotional content to qualified users of client devices. In certain situations, advertising providers are enabled to remotely create and configure promotional offers via interactions with the promotional content server system. Information related to each offer is encoded as a promotional package and stored on client mobile devices of users, including in some situations to protect the stored packages to prevent unauthorized access to the offer or its associated terms and rewards. A client-side software module on a user's mobile device determines whether the user qualifies to receive the offer for a package based at least in part on private information stored on the client device, without making such information externally available. If the user is qualified, the client-side module displays an indication of the offer to the user on the mobile device. | 2013-03-07 |
| 20130060642 | Smart Electronic Roadside Billboard - There is provided a method for selecting an advertisement to be displayed on a smart electronic roadside electronic billboard. The method comprises capturing visual information of cars traveling on a road and using the visual information to extract identification characteristics about the cars, passengers in the cars, as well as items or pets that might be in the cars. The method further comprises using the identification characteristics to select an advertisement to be displayed on the smart electronic roadside electronic billboard, such that the selected advertisement maximizes the advertisement value. The method may further comprises using other general factors and timing considerations in selecting and displaying an advertisement. The method may be implemented by an apparatus comprising of at least one camera that captures the visual information and at least one control unit that extracts the identification characteristics from the visual information and use the identification characteristics to select the advertisement to be displayed on the smart electronic roadside electronic billboard. | 2013-03-07 |
| 20130060643 | CONTENT DISTRIBUTION PLATFORM - A system is adapted to manage the distribution of content to one or more cooperating media/substrates. The system receives data representative of environment conditions for one or more cooperating media/substrates adapted to display digital content. The media/substrates may be located in public spaces. The system compares the received data representative of environment conditions with selection criteria to identify content for distribution to the media/substrates. The selected content is distributed to the one or more cooperating media/substrates. | 2013-03-07 |
| 20130060644 | INTERACTION-BASED PRICING OF ELECTRONIC ADS - Interaction-based pricing of electronic ads is disclosed. An indication is received of a first interaction by an individual with an advertiser at least in part via an electronic advertisement that has been displayed to the individual. The electronic advertisement provides two or more distinct interactions the individual could elect to have at least in part via the advertisement and each of the two or more distinct interactions has associated with it a corresponding interaction-specific value to the advertiser. The advertiser is charged, in response to the indication, an interaction-specific amount associated with the first interaction. | 2013-03-07 |
| 20130060645 | GENERATING FEES AND REVENUES FROM MODIFIED LOGOS - Provided are methods and systems for creating and generating modified logo images. In one example embodiment, the method includes obtaining an original logo image associated with a first brand, wherein the original logo image has a corresponding recognition value, and identifying one or more areas of the original logo image for modification. The method further includes obtaining one or more replacement images associated with a second brand, wherein the one or more replacement images meet one or more predetermined criteria and replacing the one or more areas of the original logo image with at least a portion of the one or more replacement images to create a modified logo image. The method further includes displaying the modified logo image, wherein one or more parties selected from a party associated with the one or more replacement images or a party associated with the original logo image is receiving a fee or is generating a revenue that is directly associated with the modified logo from a third party. | 2013-03-07 |
| 20130060646 | Desktop Extension for Readily-Sharable and Accessible Media Playlist and Media - A system and method for distributing and providing access to media and for extending such access to a desktop environment is described. A media player in a webpage or in a desktop environment may reference a centralized location to access a playlist of media files. The playlist itself may reference remotely-located media files that may be streamed to the media player. The media player may be distributed in multiple environments, and updates to the playlist may be automatically distributed to all instances where the playlist is referenced due to the centralized reference in the media player. The embodiments of the media player may also be used in advertising as a mechanism for increasing user contact with an advertising entity and as a mechanism for distributing announcements and information by the advertiser. | 2013-03-07 |
| 20130060647 | OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY - A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations. | 2013-03-07 |
| 20130060648 | SYSTEM AND METHOD FOR AGGREGATING RATINGS FOR MEDIA CONTENT - Methods of aggregating and importing user-generated and/or professional ratings of media content are provided. User-generated ratings may have been previously created at a ratings source by a user associated with a customer profile. The method for aggregating ratings includes importing the ratings from the ratings source, storing the ratings in a customer profile, normalizing the ratings, and storing the normalized ratings. The normalized rating may be used to determine recommendations and preferences. The method for importing ratings includes receiving authentication information for a ratings source, authenticating to the ratings source, importing the ratings from the ratings source, and storing the ratings in a customer profile. Changes in the ratings may be detected and updated in the customer profile. | 2013-03-07 |
| 20130060649 | Selecting Products for Retailer to Offer for Sale to Consumers - Each product of a number of products is assigned to one of a number of popularity tiers. The popularity tiers are ordered from a most popular tier to a least popular tier. The popularity tiers indicate how popular the products are expected to be among consumers. Each product is assigned to one of a number of margin tiers. The margin tiers are ordered from a highest margin tier to a lowest margin tier. The margin tiers indicate how much money a retailer makes in selling the products to the consumers. Which of the products to offer for sale by the retailer to the consumers are selected by applying decision rules to the products as have been assigned to the popularity tiers and to the margin tiers. | 2013-03-07 |
| 20130060650 | METHOD AND A COMPUTER SYSTEM TO FACILIATE A PURCHASE OF AN ITEM ON A NETWORK-BASED MARKETPLACE - This invention relates to a method and a computer system to facilitate a purchase of an item on a network-based marketplace. A proposed bid is received from a potential buyer to an item, the proposed bid including identification data (ID) identifying the item and a proposed-price for the item ID. The proposed bid is processed so as to identify potential sellers selling the item ID via the network-based marketplace. The proposed bid is forwarded to the identified potential sellers, and in case a target seller selected from these potential sellers agrees on the proposed-price and thus an actual selling price for said item ID, an acknowledgement message is issued informing the potential buyer that the target seller has accepted the proposed-price to the item ID. | 2013-03-07 |
| 20130060651 | Method and system for web based job portal - A pre-paid fee based Job Portal method comprises in-depth and up-front verification of all job seekers and employers. A job seeker can also earn by interviewing other job seekers; he-she may also bid on projects as an individual or in a group. An employer can view verified job seeker's profile with prescreened reports. An employer can post projects for a job seeker to bid. | 2013-03-07 |
| 20130060652 | INCREASING THE UTILITY OF OPPORTUNISTIC AND TIME CRITICAL GOODS AND SERVICES - Embodiments of the present invention provide a service to goods and/or service providers and consumers in the traditional context of a “first-come, first-served queue” or “class based” queue. A provider presents a listing of one or offerings to consumers to solicit bids for a good or service associated with the offering. After receiving an acceptable bid from a user, the provider provides feedback regarding the bid that indicates the ranking of the user with respect to other bidders in the bidding process. Based on the feedback, the user may submit a modified bid. Following confirmation of a bid by a user, a winning bid is determined and the user is notified. | 2013-03-07 |
| 20130060653 | Establishing Network Connections - In one implementation, a computer-implemented method includes receiving, at a computing device and from an application installed on the computing device, a request to establish a network connection to transmit and receive data over a network, wherein the request includes information that indicates one or more parameters identified by the application for the requested network connection and data transmission. The method can further include delaying, by the computing device, establishing the requested network connection until i) an available network connection is identified that satisfies the one or more parameters provided as part of the request, or ii) a time period specified for the request has expired. The method can additionally include, in response to identifying an available network that satisfies the one or more parameters before the time period has expired, establishing the requested network connection for the application using the identified available network. | 2013-03-07 |
| 20130060654 | SYSTEM AND METHOD FOR INTAKE OF MANUFACTURING PATTERNS AND APPLYING THEM TO THE AUTOMATED PRODUCTION OF INTERACTIVE, CUSTOMIZABLE PRODUCT - A system and method for acquisition, characterization, and application of Manufacturing patterns to the automated production of the digital representation of these patterns as interactive media that gathers a customer's input, and subsequently produces physical product is described. | 2013-03-07 |
| 20130060655 | SYSTEMS AND METHODS FOR FACILITATING THE CREATION, ORDERING, PROCESSING AND DELIVERY OF PERSONALIZED BEREAVEMENT PACKAGES - The present invention provides methods, systems, apparatuses, and computer-readable media for allowing users to obtain personalized bereavement packages for a deceased individual. The present invention further provides, inter alia, a bereavement package ordering platform adapted to assist users with the selection, personalization and ordering of bereavement products and services and can generate bereavement package data based on the plurality of package selections received from the user. The bereavement package data includes product selection data indicating a plurality of print-based bereavement products selected or input by the user and product personalization data representing user content for inclusion in one or more of the print-based bereavement products. The bereavement package data can be provided to a printing vendor to produce the plurality of print-based bereavement products for delivery of the plurality of print-based bereavement products to an individual organizing a service. | 2013-03-07 |
| 20130060656 | SYSTEM AND METHOD FOR DEFINING TARGET COLOR SPECIFICATIONS - A method in a data processing system, a data processing system, and a computer program in computer useable medium generating a numeric specification for one or more target colors that are useful for selecting colors in which a target lightness (Ltarg), a target hue (Htarg) and a target saturation (Ctarg) are determined based upon user inputs. | 2013-03-07 |
| 20130060657 | Hosting E-Commerce Based on Cloud Computing - A method of secure automated communication comprises communicating by a computer with a cloud computing service having an address in a first Internet domain, the communicating performed during a first electronic commerce session using an electronic commerce web page rendered by a browser executing on the computer; communicating by the computer with a transaction server having an address in the first Internet domain via a virtual private network (VPN), the communicating performed during the first electronic commerce session using the electronic commerce web page rendered by the browser; determining when the browser is accessing a product information portion of the electronic commerce web page during the first electronic commerce session; determining when the browser is providing confidential information to the electronic commerce web page during the first electronic commerce session; and directing the confidential information to the transaction server via the virtual private network during the first electronic commerce session. | 2013-03-07 |
| 20130060658 | Method and system for import and export trading - A method and system of import and export trading is provided. The system and method includes a selection module, an import duty confirmation module, a database, and a displaying module. The selection module is configured for choosing basic information of commodity from lists of property choices provided by a website and submitting the choice to a server. The import duty confirmation module is configured for confirming HS code and duty rate corresponding to the commodity according to the choice. The database is configured for storing information of commodities, HS codes and rate of import duties. The displaying module is configured for displaying commodities provided by sellers to buyers for choosing. The sellers and buyers are in different countries or regions, when a buyer chooses one commodity, the server will provide corresponding import duty to the buyer according to the quantity of commodities and the duty rate. | 2013-03-07 |
| 20130060659 | SYSTEM AND METHOD FOR SPLITTING COLLABORATION ON EVENT METRICS FOR A SUPPLIER TO RESPOND TO BASED ON FUNCTIONAL ROLE - Embodiments of the invention relate to methods and systems of splitting collaboration on event metrics for a supplier to respond to based on functional role. The method includes establishing review groups. Each of the review groups includes at least one user. The method further includes associating bid factors to one or more of the review groups, displaying each of the bid factors in accordance with the association of the bid factors with each of the review groups, receiving rankings for each of the bid factors from each of the review groups associated with the bid factors, receiving answers to each of the bid factors from at least one supplier, ranking each of the answers to the bid factors. and correlating the rankings for each of the rankings of the bid factors and the rankings of the answers to generate a score for the at least one supplier. | 2013-03-07 |
| 20130060660 | SYSTEM AND METHOD FOR GENERATING MEDIA-RELATED NOTIFICATIONS - A method of generating notifications related to availability of media content is provided. The method includes receiving a watchlist subscription including a request to monitor for availability of media content. The method also includes detecting a change in the availability of media content based on the subscription, and if a change is detected, determining an access right and transmitting a notification of the change in the availability of the media content. The metadata of the media content is used in the subscriptions to determine when to generate notifications. The media content may include a media article, media selection, live content, or a theatrical media release. | 2013-03-07 |
| 20130060661 | MANAGING ACCESS TO DIGITAL CONTENT ITEMS - Techniques are provided for managing access to a digital content item (such as an ebook, music, movie, software application) to be transferred from one user to another. The transferor is prevented from accessing the digital content item after the transfer occurs. The entity that sold the digital content item to the transferor enforces the access rights to the digital content item by storing data that establishes which user currently has access to the digital content item. After the change in access rights, only the transferee is allowed access to the digital content item. As part of the change in access rights, the transferee may pay to obtain access to the digital content item. A portion of the proceeds of the “resale” may be paid to the creator or publisher of the digital content item and/or the entity that originally sold the digital content item to the original owner. | 2013-03-07 |
| 20130060662 | IDENTIFYING PRODUCT VARIANTS - A product catalog system includes a product catalog having product offers received from various merchants. The product catalog system includes an analysis module that determines, for each merchant that provides product offers, which product offers are for products that are likely to be variants of one another based in part on titles of the products and assigns sets of product offers that are likely to be variants a merchant cluster identifier. The analysis module groups the product offers into product catalog entries based on the particular product that the offers are for. The analysis module determines which products are variants based on associations between the product catalog entries and the merchant cluster identifiers of the product offers included in the product catalog entries. | 2013-03-07 |
| 20130060663 | Method, Device, and System for Analyzing and Ranking Web-Accessible Data Targets - A method of locating a relevant product belonging to a category of related products sharing predetermined product attributes is provided. At a client computer, a search topic associated with the category arrives from a user along with user-profile data like demographic, geographic, and situational data. A server locates at information locations some related products within the category, each having the pre-determined set of product attributes having associated content. For each product attribute, the content associated therewith in one of the located products is compared against content associated with the product attribute in each other located product and is assigned a relative score based on the comparison. The shared set of product attributes is prioritized based in part upon relevance of a product attribute to user profile data and the located products are ranked based on the prioritizing and the score of content associated with the product attributes. | 2013-03-07 |
| 20130060664 | Systems And Methods For Using Symbol Command Language Within A Communications Network - Systems and methods for conducting a transaction are provided. In one illustrative embodiment, a method includes receiving, from a mobile communication device, a symbol command message. The symbol command message includes a symbol command. The method may also include comparing at least a portion of the symbol command message to a plurality of symbol commands in a symbol command directory, and initiating distribution of at least one of a good or service associated with the symbol command in the symbol command message. | 2013-03-07 |
| 20130060665 | Computational systems and methods for disambiguating search terms corresponding to network members - Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one search term corresponding to at least one member of a network; disambiguating the at least one search term including associating the at least one search term with at least one of network-participation identifier data or device-identifier data; and presenting a disambiguated search term at least partly based on at least one of the network-participation identifier data or the device-identifier data. | 2013-03-07 |
| 20130060666 | ACCOUNTING METHOD AND ACCOUNTING SYSTEM - An accounting system under standard costing as absorption costing which identifies a break-even point, performs a process in which, in a break-even chart represented as a standard-costing marginal profit chart for a company or business line departments, a “net carryover manufacturing overhead allocation cost” of an inventory and a managed gross profit Q | 2013-03-07 |
| 20130060667 | ENERGY MANAGEMENT MODELING LANGUAGE - A system, computer-implemented method, and a computer program product are provided for an energy management modeling language. Selections of a location, a time, a first variable identifier, a second variable identifier, a third variable identifier, and text that specifies a transform based on an energy management modeling language primitive are received via a user interface. The first variable identifier, the second variable identifier, and the third variable identifier are reformatted based on the location and the time. The transform is executed based on the reformatted first variable and the reformatted second variable to create a result. The result is output based on the reformatted third variable. | 2013-03-07 |
| 20130060668 | Processor-Based Systems and Computer-Implemented Methods for Identification, Sourcing, and Acquisition of Distressed Debt - Disclosed herein are processor-based systems and computer-implemented methods for identification, sourcing, and acquisition of distressed debt. At least one embodiment provides amalgamated debt information associated with an indebted entity, which may owe debt to multiple disparate lending entities. Often, debt information involving these lending entities is maintained in a number of unassociated and disparate data sources, to which access may be restricted on a subscriber basis. To provide amalgamated debt information associated with the indebted entity, a computer platform is programmed to carry out at least one of searching and receiving debt information that is associated with the indebted entity and that identifies some or all of the multiple disparate lending entities. The platform is programmed to amalgamate and organize the debt information, and to present the amalgamated-and-organized debt information via a user interface, providing consolidated access to the unassociated and disparate data sources. | 2013-03-07 |
| 20130060669 | SYSTEMS AND METHODS FOR OPTIMIZATIONS INVOLVING INSUFFICIENT FUNDS (NSF) CONDITIONS - Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account. | 2013-03-07 |
| 20130060670 | ALERT BASED PERSONAL FINANCE MANAGEMENT SYSTEM - Techniques for credential free, alert based personal finance management are disclosed herein. An embodiment of a credential free, alert based method comprises receiving from a financial institution a transaction message indicating a transaction that occurs a short time period ago; recognizing the transaction message and translating the transaction message into an alert in a predetermined uniform format; transmitting the alert to a user's device and prompting a user to tag the transaction with at least one category; and receiving from the user's device a response indicating the category that the user tagged. | 2013-03-07 |
| 20130060671 | SECURITIES TRADING SYSTEM - A securities trading program for trading individual lots of a security which can be run at a security trader's computer station. The program generates a trading screen comprising a listing of multiple bids for the security, each bid having a price, as well as a listing of multiple priced offers for the security. The bid and offer listings are active, enabling the trader to hit any one of the displayed bids or take any one of the displayed offers, for example by selecting and clicking on a displayed bid or offer. In one embodiment, the bids and offers are arranged in side-by-side columns on the trader's screen, helping the trader to rapidly overview the market for a particular security, and compare different, possibly competitive, securities by paging through level-of-interest windows for each security. The invention's easily manipulated insights into market dynamics offers a sophisticated trader new opportunities to profitably exploit market niches, for example by browsing for attractive bids or offers on closely comparable securities. | 2013-03-07 |
| 20130060672 | SOCIAL BASED AUTOMATIC TRADING OF CURRENCIES, COMMODITIES, SECURITIES AND OTHER FINANCIAL INSTRUMENTS - The present invention includes methods, apparatuses, systems, platforms and associated software applications for facilitating semi-automatic or automatic trading of Financial Assets based on the past or present trading activities of other traders (e.g “Social Trading”, optionally implemented as a “Linked Account Trading System”). | 2013-03-07 |
| 20130060673 | Margin Requirement Determination for Variance Derivatives - A margin requirement determination for a financial product, a market price of which varies with volatility of a market value of an underlying instrument, includes determining a realized variance of the market value for each completed trading interval based on return data for the underlying instrument, calculating, for each completed trading interval, a respective implied variance of the financial product based on option trade data for the underlying instrument, computing a respective loss risk value for a corresponding trading interval of the completed trading intervals, each respective loss risk value being derived from a first deviation between the realized variance of the corresponding trading interval and the implied variance of a preceding completed trading interval, and a second deviation between the implied variance of the corresponding trading interval and a succeeding completed trading interval, and determining the margin requirement based on a subset of the loss risk values. | 2013-03-07 |
| 20130060674 | Systems, method, and media for trading deconstructed stocks - System for trading deconstructed stocks are provided, the systems comprising: at least one hardware processor that: obtains a share of a stock from a public equity market; constructs an equity only share, a dividend only share, and a voting right only share corresponding to the stock: determines a first price for the equity only share; determines a second price for the dividend only share; presents the first price to a first of two traders; presents the second price to a second of two traders; matches trading interests between the two traders involving the equity only share and dividend only share; and executes a trade between the two traders involving the equity only share and dividend only share. | 2013-03-07 |
| 20130060675 | DEVICE AND METHOD FOR REDUCING COMPUTER LOAD AND DATA STORAGE VOLUME IN PROCESSING AND REPRESENTING A LOG OF EVENTS - A device (DT) is dedicated to the processing of files of set(s) of data of events each consisting at least of a value taken at a given instant by a quantity that varies in time and of this given instant, as well as possibly of a weighting value, each set constituting a log of events for a given quantity. This device (DT) comprises processing means (MT) responsible for determining on the basis of a log of events of a quantity i) a total sum S of weighting values of the events of this log over part at least of a main period D defined between first and second chosen instants, then ii) the value of a normalization parameter defined by the operation S*(T/D′), where T is a time interval of chosen duration and D′ represents a sum of secondary periods constituting chosen sub-parts of the main period D and is expressed in a unit identical to the time interval T, then iii) a normalized chronological collection between the first and second chosen instants of grouping of events, termed normalized bars, whose weighting value is on each occasion equal to the value of the normalization parameter. | 2013-03-07 |
| 20130060676 | VARIANTS OF NAV-BASED TRADING FOR LESS CLOSELY-LINKED COMPONENTS OF INDEX ARBITRAGE COMPLEXES - Systems and methods are provided in which a first module is configured to execute a trade of a securities futures product on an underlying financial instrument for which a valuation relative to at least one of (a) a net asset value and (b) a closing price, is calculated and published at or after a specified time. A second module determines a price for the executed trade, in which the price is specified relative to the valuation and/or the valuation with a basis adjustment. The second module may be configured to use a price which is (a) a first price which is at a specified discount, (b) a second price which is substantially equal, and/or (c) a third price which is at a premium, to the valuation or valuation with basis adjustment. A third module is configured to submit the executed trade for settlement at the determined price. | 2013-03-07 |
| 20130060677 | SYSTEMS AND METHODS FOR TRADING A TRADE LIST IN FINANCIAL MARKETS - Systems and methods are provided for maintaining neutrality while trading a list of securities using an algorithmic trading facility coupled with at least one destination. This destination includes at least one alternative trading system (ATS). This facility is coupled, via an electronic data network, to a plurality of trading clients, and configured to receive a trade request to trade a list of securities from a trading client. This request includes user defined trading constraints that are used to generate and transmit trade orders to at least one ATS. The orders are transmitted based on trading data related to the destinations, the trade list, and the trading constraints. The facility can identify each executed trade corresponding to the trade orders and calculate a trade imbalance. The facility can determine whether the trade imbalance exceeds the trading constraints, and reallocate one or more of said submitted orders based on this determination. | 2013-03-07 |
| 20130060678 | ELECTRONIC PAYMENT SYSTEMS AND SUPPORTING METHODS AND DEVICES - Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations. | 2013-03-07 |
| 20130060679 | THIRD-PARTY PAYMENTS FOR ELECTRONIC COMMERCE - Providing for third-party payments for mobile electronic commerce is described herein. By way of example, an electronic transaction initiated at a first subscriber account can be funded at least in part from a second subscriber account. Particularly, the first subscriber account associated with a mobile terminal can select an item for purchase with a content browsing application on the first mobile terminal. A request for payment can be sent from the first mobile terminal to a second mobile terminal, associated with the second subscriber account. Funds transferred from the second mobile terminal to a banking account associated with the first mobile terminal can then be utilized to purchase the item and complete the electronic transaction. In an aspect, information pertaining to respective accounts can be masked from respective subscribers to provide financial privacy in conjunction with third party financing of electronic commerce. | 2013-03-07 |
| 20130060680 | FUNDS MANAGEMENT SYSTEMS AND METHODS - Described herein are systems, methods, and articles of manufacture that establish services that facilitate funds management. These services can manage multiple accounts of different types for the same user (either payer or payee). The services can also link a payee account and a payer account to establish electronic funds transfers and other transactions. The services can also facilitate the establishment of an electronic funds transfer through enabling a search for either a payee or a payer according to a criterion. | 2013-03-07 |
| 20130060681 | SETTLEMENT AND REMITTANCE-PROCESSING METHOD OF VIRTUAL MONEY, SETTLEMENT AND REMITTANCE-PROCESSING SYSTEM, AND SETTLEMENT AND REMITTANCE-PROCESSING PROGRAM - Provided is a settlement and remittance-processing method, wherein processing that involves transfer of virtual money, such as settlement or remittance, is achieved with a single system. A virtual money management apparatus includes an account management storage section which stores a value of the virtual money owned by the users and company; an account management function section which includes virtual money accounts for each of the users and company and associates the virtual money accounts with the virtual money stored in the account management storage section to manage virtual money using the virtual money accounts; and a settlement/remittance management function section which receives designation of the user or company which is to be a transfer destination of the virtual money, specifies a virtual money account associated with the designated user or company by using the account management function section, and transfers the virtual money to the specified virtual money account. | 2013-03-07 |
| 20130060682 | METHOD FOR MANAGING PAYMENT MEANS OVER A NETWORK USING ELECTRONIC WALLET, PAYMENT MEANS MANAGEMENT DEVICE, AND PAYMENT MEANS MANAGEMENT PROGRAM - The need for input and transmission of information necessary for settlement each time accounts are settled is eliminated. Necessary information to settle accounts by using a payment system is received from a terminal used by a user and stored. The received information and the payment system using the information are tied and managed for each user. When settlement processing of a certain user is requested from a business operator site, the payment systems that can be used by the certain user are identified by using an account management function unit and the settlement processing by the selected payment system is performed by using the necessary information tied to the payment system selected by the certain user from among the identified payment systems. | 2013-03-07 |
| 20130060683 | SYSTEM AND METHOD FOR ASSISTING VENDORS - A service system for facilitating payment to a vendor of products over a network. The products are supplied to a buyer. The system includes an invoice having a base invoice amount with an amount of penalty funds calculated from the base invoice amount when the invoice is not paid in a timely manner. An application is submitted to an investor via the network for enrolling the vendor in the service system. At least one installment is disbursed from the buyer and received by the investor over the network. At least one payment is disbursed from the investor and received by the vendor over the network wherein the payment is equal to the base invoice amount thereby allowing the vendor to receive 100% of said base invoice amount. | 2013-03-07 |
| 20130060684 | CONVERTING PAPER INVOICE TO ELECTRONIC FORM FOR PROCESSING OF ELECTRONIC PAYMENT THEREOF - Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of an invoice associated with a user of the device and a payee, sending the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, accessing accounts associated with the user of the device, accessing the electronic form of the invoice, and authorizing payment of the invoice, including authorizing electronic transfer of money from at least one of the accounts to the payee. The method can further include receiving a list of payees, selecting the payee from the list of payees, and sending the selection of the payee to the online accounting system, wherein the online accounting system links the payee to the invoice. | 2013-03-07 |
| 20130060685 | SYSTEM AND METHOD FOR RECRUITING BRAINS USING SOCIAL NETWORK SERVICE - A brain recruiting method using a social network service according to the present invention comprises the steps of: registering a job announcement while a hiring manager logs in a social network through a user interface, the social network being connected and interacting with an application server through an Internet; transmitting the registered job announcement to at least one or more acquaintances on the social network of the hiring manager; and transmitting, by any one user or two or more users among the acquaintances receiving the job announcement, the job announcement to at least one or more acquaintances among acquaintances of the users through their user interfaces. | 2013-03-07 |
| 20130060686 | VIRTUAL DEBIT CARD - A method, system, terminal, and media for processing a request for a virtual debit card are provided. The terminal is configured to receive the request for the virtual debit card from a user and to transmit the request to a merchant processor. The request is anonymous with respect to the user. The merchant processor is configured to receive the request, determine a card number of the virtual debit card, and transmit the card number to the terminal. The terminal is configured to receive the card number from the merchant processor and to provide a receipt to the user including the card number. The terminal receives the request for the virtual debit card without receiving any personal identity information from the user and provides the receipt to the user without the card number being associated with the user. | 2013-03-07 |
| 20130060687 | MOBILE TERMINAL AND CONTROLLING METHOD THEREOF - A mobile terminal and controlling method thereof are disclosed, which facilitates a terminal to be used in further consideration of user's convenience. According to at least one of embodiments of the present invention, a strict authentication procedure for expense payment can be performed via a simple and convenient user interface between a mobile terminal and a terminal user. In particular, since at least one of a selection and authentication of a payment means of the mobile terminal can be performed via at least one of an aligned direction, a moving direction and a moving track of the mobile terminal, the user interface between the mobile terminal and the terminal user for the expense payment can be further simplified. | 2013-03-07 |
