10th week of 2011 patent applcation highlights part 45

Patent application number	Title	Published
10th week of 2011 patent applcation highlights part 45
20110060603	Population Adjusted Indexes - Articles of manufacture including electronic machines including but not limited to computers, computer stations, computing devices, computer systems, software, computer readable memory and other electronic devices adapted to provide an index for a performance characteristic or measure for groups of people or institutions. The index values are risk adjusted to the varying population compositions for groups of people or institutions by comparison to a reference portfolio and are updated in real time to account for the changing constitution of the clusters in the portfolios. Methods of using the disclosed devices include the ability to provide a continuously updated benchmark for the comparison of medical, business or educational performance by providers or practitioners of such services that effect populations of individuals, and that is based on measurable outcomes. Additionally, the methods of using the disclosed devices include the ability to compare the effectiveness of different therapies.	2011-03-10
20110060604	METHOD OF DOCUMENTING PATIENTS' CLINICAL STATUS ACROSS MULTIPLE DIAGNOSTIC DIMENSIONS - A computer implemented method for managing a patient's clinical status. The method includes: storing rules in a database; storing clinical domains including a set of clinical variables; storing information about the patient in the database; receiving responses to one or more questions about the patient's status for one or more clinical domains. The method then generates derived variables from the stored information, the stored clinical variable and the responses to one or more questions using one or more of the stored plurality of rules; calculates stratified domain levels for one or more of the plurality of clinical domains from the stored information, the stored clinical variables and the generated derived variables; and calculates a level of urgency from the stratified domain levels and the generated derived variables.	2011-03-10
20110060605	METHODS FOR PREDICTING RESPONSIVENESS OF A DISEASE OR DISORDER TO A RECEPTOR TYROSINE KINASE INHIBITOR BY ANALYSIS OF MUTATIONS IN PIK3CA - The present disclosure relates generally to methods and materials for determining the responsiveness of a subject with a disease or disorder to an inhibitor of a receptor tyrosine kinase including, for example, IGF1R. Such methods may comprise obtaining a biological sample from the subject, assaying the biological sample for one or more PIK3CA mutations, determining if one or more PIK3CA mutations are present in the biological sample, and employing the determination of one or more PIK3CA mutations in the biological sample to predict responsiveness of the subject to the receptor tyrosine kinase inhibitor.	2011-03-10
20110060606	LIBRARIES AND DATA STRUCTURES OF MATERIALS REMOVED BY DEBULKING CATHETERS - Material removed by a debulking catheter from a body lumen can be preserved. Materials can be collected from many different patients and/or from multiple procedures on individual patients. Data which describe the properties or qualities of the removed material and/or the patient and/or the patient's family or environment can be stored on computer readable media. The stored data can be used to draw correlations, to stratify groups of patients, to provide risk assessments, to provide diagnoses and/or prognoses. Further tests can be done on the stored materials at later times after the procedures have been completed.	2011-03-10
20110060607	HEALTH CARE INFORMATION SYSTEMS - A health care information provider system may provide information about health care objects managed by a health care provider. A name generating system may generate an object name for each of the health care objects which may include provider information indicative of the identity of the health care provider which manages the health care object, and object information indicative of the identity of the health care object. The object information may be devoid of any personal health information, even in a form which can be decrypted by a decryption key.	2011-03-10
20110060608	CLINICAL MANAGEMENT SYSTEM AND METHOD - An automated data processing method for obtaining clinical data for safety, efficacy, and adverse event assessments pertaining to a therapy prescribed for the treatment of a malady, comprising the step of receiving at a location remote from a plurality of patients outcome digital information pertaining to the outcome of therapies performed on said patients, and for the efficient delivery of medications to a patient ordered pursuant to an electronic prescription from a dispensary optimized for delivery of the medication.	2011-03-10
20110060609	System For Marketing Using Text Messaging - Disclosed is a system and method for marketing using text messaging. Different keywords are provided for different media persons and/or outlets, and announcements are broadcast instructing listeners to send a text message to a particular number. In the text, the listener is asked to include a keyword with the text in order to receive a rate quote. When an interested listener texts in the key word to the number provided, he or she is presented with a URL, which when selected, enables them to submit information, e.g., age, sex, and zip code. After submitting the information, they receive a quote on the browser of their mobile phone.	2011-03-10
20110060610	COMPUTER SUPPORT FOR MULTI-JURISDICTIONAL INVESTMENT - Machine and related manufacturer controlling multi-jurisdictional investment; a computer system arranged to receive information and locate said information into a memory, the information including investment specifications and pricing data for the financial product, the computer system further including: an input device for receiving the information and converting the information into signals; a program control to compute, from said signals, for calculating respective valuations of parts of investment in respective jurisdictions and a program control to trigger printing documentation, including said valuations, to carry out the implementation of the parts in the respective jurisdictions. In variations thereof, such as optimizing, separating, valuation, and execution are supported.	2011-03-10
20110060611	MEDIA OPTIMIZATION USING TRANSCRIPTION ANALYSIS - A system and method for optimizing the price of a call to a business and the placement of a business' information within an ad buy on a Web page are disclosed. A call is received by a client from a potential consumer of a product. The call is transcribed into a text call stream on both the consumer and the client sides of the call. Patterns are extracted from the call. The patterns extracted may be applied against patterns relevant to the client. Patterns relevant to the client may be tied to certain goals of the business of the client that indicate successful business transactions between the consumer and the client or that indicate a service provide by the client. Extracted patterns may be used to adjust the price of the call based on the client's willingness to pay for a call containing patterns relevant to the client.	2011-03-10
20110060612	System and Method for Evaluating Sustainability Projects of an Organization - According to one embodiment, a computer-implemented method for evaluating sustainability projects of an organization is disclosed. The method may include retrieving from a computer system a sustainability objective of the organization. In certain embodiments, the method may include retrieving from the computer system a plurality of project submissions of the organization. Each of the plurality of project submissions may be associated with the sustainability objective of the organization. The method may further include retrieving from the computer system a plurality of first scores, each first score being associated with at least one of the plurality of project submissions. In particular embodiments, the method may include generating at the computer system a displayable output representing an expected contribution of each one of the plurality of project submissions towards the sustainability of the organization. The displayable output may comprise a plurality of second scores. Each of the plurality of second scores may be associated with at least one of the plurality of project submissions. In addition, each of the plurality of second scores may be based at least in part on at least one of the plurality of first scores. The method may further include storing in the computer system an identification of one or more potential projects from among the plurality of project submissions. Each potential project may be adapted to advance the sustainability objective of the organization. At least one of the one or more potential projects may have a highest comparative second score of the plurality of second scores.	2011-03-10
20110060613	System and Method for Aligning Projects with Objectives of an Organization - According to one embodiment, a computer-implemented method for aligning projects with an objective of an organization is disclosed. The method may include storing in a computer system a representation of an objective of an organization. The method may further include storing in the computer system a plurality of sustainability projects of the organization. Additionally, the method may include establishing a computer-based logical link between the objective of the organization and at least some of the plurality of sustainability projects of the organization. In certain embodiments, the method may include receiving from the computer system data representing one or more respective metrics for each of the at least some of the plurality of sustainability projects of the organization. The method may further include generating one or more key performance indicators for each of the at least some of the plurality of sustainability projects of the organization. Each key performance indicator may indicate a contribution of a particular sustainability project of the organization towards achieving the objective of the organization.	2011-03-10
20110060614	System and Method for Managing Sustainability for an Organization - A computer-implemented method for managing sustainability for an organization is disclosed. The method may include storing in a computer system a plurality of characteristics of an activity. The activity may contribute to the carbon footprint of an organization. The plurality of characteristics may include a unit of measurement, an activity category, a plurality of hierarchical descriptors, and a respective multiplier for each hierarchical descriptor. The method may further include receiving from the computer system data representing a number of the unit of measurement. Additionally, the method may include receiving from the computer system data representing a first one of the plurality of hierarchical descriptors. The method may further include calculating, using a processor of a computer unit, a carbon emission value based at least in part by multiplying the number of the unit of measurement by the respective multiplier of the first one of the plurality of hierarchical descriptors. The method may further include storing in the computer system the carbon emission value and receiving from the computer system data representing a second one of the plurality of hierarchical descriptors. The method may further include, in response to the received data representing the second one of the plurality of hierarchical descriptors, automatically updating the stored carbon emission value with a recalculated carbon emission value at least in part by the processor of the computer unit multiplying the number of the unit of measurement by the respective multiplier of the second one of the plurality of hierarchical descriptors.	2011-03-10
20110060615	System and Method for Managing Assessments for an Organization - According to one embodiment, a computer-implemented method for managing assessments for an organization is disclosed. The method may include storing in a computer system a plurality of instances of an assessment object. Each of the plurality of instances of an assessment object may be configured to track progress of a plurality of assessment attributes. The method may further include receiving an input associated with a plurality of at least a subset of the assessment attributes. Additionally, the method may include generating an assessment plan based at least in part on the received data. In certain embodiments, the method may include establishing a computer-based logical link between the assessment plan and least one sustainability project of the organization, the at least one sustainability project of the organization stored in the computer system. The method may further include receiving from the computer system data for each of the plurality of at least the subset of the assessment attributes. In various embodiments, the method may include generating using a computer unit an assessment report based at least in part on the received data for each of the plurality of at least the subset of the assessment attributes, the assessment report indicating progress of each of the plurality of at least the subset of the assessment attributes. The method may further include transferring the assessment report from the computer unit in a desired format.	2011-03-10
20110060616	System and Method for Managing Stakeholder Impact on Sustainability for an Organization - A computer-implemented method for managing stakeholder impact on sustainability for an organization is disclosed. The method may include storing a plurality of instances of a stakeholder object. Each instance may define a plurality of characteristics of a stakeholder of the organization. In certain embodiments, the characteristics may be selected from the group consisting of: a description of the stakeholder, a category of the stakeholder, a description of a relationship with the stakeholder, an owner of the relationship with the stakeholder, a description of a stakeholder investment in the organization, a first indication of an extent to which a stakeholder interest actually aligns with an organizational interest, a second indication of an extent to which the stakeholder interest is optimally aligned with the organizational interest, a description of an approval power granted to the stakeholder, an importance rating of the stakeholder relationship from a perspective of the organization; and an anticipated effect of a sustainability project of the organization on the stakeholder relationship. The method may further include establishing a computer-based logical link between at least one instance of the stakeholder object to at least one sustainability project of the organization. The method may also include generating a progress report of the sustainability project and determining that a particular stakeholder of the organization is logically linked to the sustainability project. In certain embodiments, the method may include, automatically transferring the progress report to the stakeholder of the organization, wherein the progress report is transferred in a desired format.	2011-03-10
20110060617	System and Method for Managing Sustainability for an Organization - A computer-implemented method for managing sustainability for an organization is disclosed. The method may include storing on one or more memory modules of a computer system a plurality of instances of an ecoActivity object. Each instance of the ecoActivity object may represent an activity of the organization affecting environmental sustainability. The method may further include storing a plurality of instances of an emission factor object. Each instance of the emission factor object may at least partially quantify one or more green house gas emissions as a function of one or more respective metrics. The method may include establishing a computer-based logical link between each one of the plurality of instances of the ecoActivity object and at least one of the instances of the emission factor object. In certain embodiments, the method may include receiving data representing the metric(s) for the logically linked instance(s) of the emission factor object. For each one of the plurality of instances of the ecoActivity object, the method may include calculating one or more green house gas emission quantities based at least in part by applying, for the logically linked at least one of the plurality of instances of the emission factor object, the function of the metric(s) to the received metric(s). Additionally, the method may include aggregating together at least some of the green house gas emission quantities. In various embodiments, the method may include transferring data representing the aggregation of the calculated green house gas emission quantities.	2011-03-10
20110060618	Statistical Determination of Operator Error - Various embodiments of the invention provide systems and methods for estimating a frequency of errors for data processing operators, but without human inspection of documents typed by the operators and without comparing documents typed by the operators against known transcriptions.	2011-03-10
20110060619	Device and method of using a push mode to realize non-real-time media routing - This invention discloses a device of using a push mode to realize non-real-time media routing, wherein a master control module is used for receiving a queuing request and a routing strategy, sending the queuing request to a pre-processing module, and sending the routing strategy to an appropriate routing queuing module; the pre-processing module is used for pre-processing the received queuing request, finding a pre-processing strategy according to the skills specified in the queuing request, calculating a user area code and service level, constructing the routing strategy according to the queuing request, the area code, the service level and the pre-processing strategy, and sending the routing strategy to the master control module; a routing queuing module is used for receiving the routing strategy, selecting seats according to the routing strategy, and allocating media to the selected seats. The invention also discloses a method of using a push mode to realize non-real-time media routing. The invention enables the Next Generation Call Center to have the non-real-time media routing and queuing capabilities, which improves functions of the Next Generation Call Center.	2011-03-10
20110060620	SYSTEM AND METHOD FOR MANAGING USERS OF A GYM FACILITY - The present invention relates to a method for managing users of a gym facility. The method comprises the steps of: analysing a population of users or possible users of a gym facility by means of statistical tools in order to detect desires of attaining mean term objectives, or “ASPIRATIONS”, of the population being analysed; determining, by means of statistical tools, a limited number of ASPIRATIONS present in the population being analysed; subdividing the population being analysed, by means of statistical tools, into homogeneous groups each belonging to a given ASPIRATION included in a limited number of ASPIRATIONS; and assigning a user to at least one of the homogeneous groups based on responses to a closed-response questionnaire. The invention also relates to a system for managing users of a gym facility and to an information technology product for managing a gym facility and the users of a gym facility.	2011-03-10
20110060621	VALUE DRIVEN INTEGRATED BUILD-TO-BUY DECISION ANALYSIS SYSTEM AND METHOD - A value-driven build-to-buy decision analysis system and method is provided that addresses and integrates the system analysis for multiple parts of the build-to-buy business cycle. The system and method of the present invention includes a demand component and a supply component. The demand component includes decision analysis components for one or more demand oriented activities in the. build-to-buy cycle, such as selling and buying activities. The supply component includes decision analysis components for one or more supply oriented activities in the build-to-buy cycle, such as product creation, product packaging and product pricing activities. Each decision analysis component utilizes values-based object-oriented analytical models.	2011-03-10
20110060622	MULTI-PROVIDER FORMS PROCESSING SYSTEM WITH RETRY UPON FAILURE - A multi-provider forms processing system with retry upon failure comprises: a plurality of portable computing devices, a plurality of service providers and a paper-like forms server coupled by a network. The paper-like forms server performs the scheduling, routing, logging, verification and billing for the paper-like processing of compound documents. The paper-like forms server comprises a central schedule, a retry module and a billing module. The multi-provider forms processing system is advantageous because it monitors for failure of transactions, automatically issues a retry or replacement transactions and adjusts the billing for the failed transaction. In particular, the central scheduler tracks and determines when transaction failures occur, and based on these failures revises the billing to users and credits to service providers. The central scheduler also monitors the logs for completion as well as restarts, attempts, failure, reworked and re-performed transaction steps and modifies the bills accordingly.	2011-03-10
20110060623	System and Method for Resource Workflow Scheduling - A system and method for resource workflow scheduling providing a resource workflow scheduling interface where a resource is defined along a first axis and time is defined along a second axis. Tasks are represented as movable objects which are scheduled and may be rescheduled according to constraints stored in a database. Tasks that must be scheduled over multiple days are represented as visually and structurally connected objects. Constraints stored in the database comprise rules and restrictions defining the sequence of tasks required to complete a job, the association of tasks to resources, the time a particular resource requires to complete the task, and the date that task must be completed.	2011-03-10
20110060624	Design and process scheduling optimization method - The design and process scheduling optimization method is a technique that circumvents problems encountered in previous optimization techniques. The method performs comparison against multiple possible outcomes rather than a single-valued benchmark. Pattern Recognition (PR) techniques are utilized to classify the work planned at specified cut-off dates during the planning stage. Classification is used to monitor and evaluate the progress during the construction stage. The PR technique generalizes a virtual benchmark to represent the whole project based on multiple possible outcomes generated at a given cut-off date. The generalization feature offers a potential tool to overcome the problem of variation in the quality of data collected. Patterns are constructed to encode work of the project at different cut-off dates. The present invention utilizes a robust pattern recognition method applied to Critical Path Method (CPM) procedures to monitor and evaluate progress of construction projects.	2011-03-10
20110060625	METHODS AND SYSTEMS FOR ASSIGNING OPERATORS TO PRINT PRODUCTION CELLS BASED ON RELATIONSHIPS - A system of assigning operators to cells in a document production environment may include a computing device and a computer-readable storage medium in communication with the computing device. The computer-readable storage medium may include one or more programming instructions for identifying a first plurality of cell operators, where each cell operator is associated with one or more skills, identifying a cell to be staffed, wherein the cell is associated with one or more functions, identifying, from the first plurality of cell operators, a subset of cell operators comprising a group of cell operators who collectively possess the skills necessary to perform the one or more functions associated with the cell, selecting, from the subset, a second plurality of cell operators based on at least one relationship amongst the second plurality of cell operators, and assigning the second plurality of cell operators to the cell.	2011-03-10
20110060626	STORM WATER POLLUTION PREVENTION SYSTEM AND METHOD - A storm water pollution prevention management system and method is disclosed. The method may include receiving a site map of a construction site, creating an overlay for the received site map, receiving identification of inspectable items on the construction site, placing symbols on the created overlay related to the received inspectable items, receiving one or more discrepancies related to the inspectable items, placing an identification mark on the overlay to identify each of the one or more discrepancies, and creating an inspection report identifying one or more of the one or more discrepancies and providing information concerning each of the one or more discrepancies.	2011-03-10
20110060627	MULTI-PROVIDER FORMS PROCESSING SYSTEM WITH QUALITY OF SERVICE - A multi-provider forms processing system with a quality of service rating includes a plurality of portable computing devices, a plurality of service providers and a paper-like forms server coupled by a network. The paper-like forms server comprises a central scheduler and service provider manager and rater. The multi-provider forms processing system provides ratings for the service providers that are used in selection of services providers and processing of compound documents. In particular, the central scheduler tracks and determines where transaction failures occur, and based on these failures provides a quality of service rating for each service provider. The central scheduler also monitors the logs for completion as well as restarts, attempts, failure, reworked and re-performed transaction steps and provides ratings that can be reviewed by a user in selecting a service provider or automatically by a selection module.	2011-03-10
20110060628	METHOD FOR ASSESSING CANDIDATES BY VOTING AND A SYSTEM INTENDED FOR THIS PURPOSE AND A PROGRAM PRODUCT COMPRISING A COMPUTER-READABLE MEDIUM - A method for assessing candidates includes authorizing a plurality of voters to vote for a candidate among a plurality of candidates so as to determine a candidate ranking; determining a weighting for one of a voter and a candidate as a function of a ranking of the candidate or voter during the voting; allocating the weighting to the respective voter or candidate; and changing at least one of the candidate ranking and voter ranking according to the allocated weighting.	2011-03-10
20110060629	THIRD PARTY MERCHANT-FUNDED REWARDS ACCRUAL AND REDEMPTION NETWORK - Systems and methods for administering merchant funded third-party administered rewards programs are provided. The system receives information about a transaction made using a payment device and determines whether the payment device is enrolled in the rewards program. If the payment device is enrolled in the rewards program, the system determines if the transaction qualifies for a reward. If the transaction qualifies for the reward, the system determines a rewards value for the transaction. Thereafter, the system determines a prepaid payment token associated with the payment device and instructs an issuer of the prepaid payment token to load the rewards value onto the prepaid payment token.	2011-03-10
20110060630	PROMOTIONAL MARKETING SYSTEM AND METHOD - There is a system and method of promotional marketing, over a computerized network. The system and method include the step of providing a website module over a computerized network. The system and method also include the step of registering a user with the website module. The system and method include the step of providing a network game to the registered user. The system and method include the step of selecting a selected retail location according to information regarding the registered user. Additionally, the system and method include providing a prize for the registered user at the selected retail location.	2011-03-10
20110060631	REDEMPTION OF CUSTOMER BENEFIT OFFERS BASED ON GOODS IDENTIFICATION - Apparatus and methods for redemption of customer benefit offers based on goods identification are provided. A system for redeeming a customer benefit offer that is represented in an account maintained on an offer platform according to the invention may include an electromagnetic receiver module configured to receive transaction information from a point of sale terminal, the transaction information being based on a transaction and including an identifier of a purchasing instrument used to execute the transaction and an identifier of an item that is part of the transaction and a quantity corresponding to the number of items having the same identifier in the transaction. The system may also include a processing module configured to: identify in an offer platform a customer benefit offer corresponding to the purchasing instrument, the item identifier and the quantity; and further configured to mark a record in the account as “redeemed,” the record corresponding to the customer benefit offer.	2011-03-10
20110060632	METHODS FOR ADDRESS BOOK SYNCHRONIZATION AND SUBSCRIPTION STATUS NOTIFICATION - The various disclosed techniques and equipment relate to synchronizing a subscriber's address books located in a portal and in the subscriber's mobile station, determining the subscription status of a directory number of another party with whom the subscriber intends to communicate, and/or for enabling the subscriber to make a referral to another party who might not be a qualified subscriber.	2011-03-10
20110060633	METHOD AND APPARATUS FOR RAPIDLY SOURCING RESUMES FOR AN EMPLOYMENT WEBSITE - The invention discloses an on line incentive-based method for implementing a process innovation, to rapidly source resumes from job-seekers in a cost-effective manner for an employment website and in particular, to reach out to job seekers easily for allowing them to upload their resumes and maintain them online.	2011-03-10
20110060634	ACTIVATION OF ELECTRONIC CUSTOMER BENEFIT OFFERS - Apparatus and methods for activation of electronic customer benefit offers are provided. Such apparatus and methods may include a system for activating a customer benefit offer. The system may include an electromagnetic transmitter module configured to transmit customer benefit offer information from an offer platform to a customer via a communication channel selected by the customer. The customer benefit offer information may correspond to the customer benefit offer. The system may also include an electromagnetic receiver module configured to receive from the customer an acknowledgment of the customer benefit offer. The system may also include a data processing machine configured to mark a record in an account on the offer platform as “active.” The record may correspond to the customer benefit offer and the account may correspond to the customer. The purchasing instrument identifier may be linked to the account. The active customer benefit offer may be redeemed by use of the purchasing instrument to purchase goods corresponding to the customer benefit offer.	2011-03-10
20110060635	System and method for motivating healthy eating and a wellness plan related thereto - A method and system for promoting healthy eating and a managing a wellness program related thereto is disclosed. The method and system includes storing identity data in a database for foods and/or beverages that are determined to be healthy for an individual to consume; receiving purchase information including information for such food and/or beverages and calculating a discount or a refund or reward applicable for the purchase of the product if the at least one food and/or beverage purchased is identified in the identity data. This system and method may optionally be integrated with a wellness program that includes obtaining personal information pertaining to an individual, the personal information including at least the individual's age and gender. In addition, health information pertaining to the individual is obtained. The personal information and the health information are then used to determine a wellness program for the individual, the wellness program including a plurality of program areas with which the individual must comply. Information is then received regarding the individual's compliance or non-compliance with the individual's wellness program and points are awarded to the individual for compliance with the wellness program. At predetermined intervals the total number of points awarded to the individual are calculated and a reward is awarded to the individual based on the total number of points accumulated.	2011-03-10
20110060636	TARGETED CUSTOMER BENEFIT OFFERS - Apparatus and methods for providing targeted customer benefit offers are provided. A system for associating a customer benefit offer with a purchasing instrument, the purchasing instrument associated with an account on an electronic offer platform, the account being associated with a customer, is provided. The system may include an electromagnetic receiver module configured to receive a customer benefit offer from an offer source and customer purchasing behavior data. The data may correspond to the customer. The system may also include a processor module configured to determine if the customer benefit offer is compatible with the customer based on the data and, if the customer benefit offer is compatible with the customer, store the customer benefit offer on the platform for transmission to the customer.	2011-03-10
20110060637	Management server, information processing terminal, information processing apparatus, information processing system, and information processing method - Distribution information is stored in an information processing apparatus and includes benefit information. A coupon identifier (ID), which identifies the benefit information, is stored in a memory disposed within an information processing terminal. A request for the coupon ID is transmitted from the information processing apparatus to the information processing terminal and is received at the information processing terminal. The coupon ID is read from the memory disposed within the information processing terminal based on the received request, is transmitted from the information processing terminal to the information processing apparatus, and is received at the information processing apparatus.	2011-03-10
20110060638	METHOD FOR CROSS-PROMOTING COMMUNICATIONS SERVICES - A method to promote use of one communication service by associating it with another service and offering incentives to use the first service in return for use of the second service. Other embodiments are also described and claimed.	2011-03-10
20110060639	METHOD FOR FINANCING THE ACQUISITION OF AN ASSET FOR MEMBERS OF A GROUP - A system for financing the acquisition of an asset or service is provided herein. The system (	2011-03-10
20110060640	SYSTEM, METHOD AND APPARATUS FOR PROVIDING MESSAGES TO A TRANSACTION INSTRUMENT - Methods, systems, and apparatuses enable a card issuer to provide messages to a customer's transaction instrument. In accordance with one embodiment of the present invention, there is provided a method for providing messages to customer. The method includes receiving a request for messages corresponding to a transaction instrument of a user at a server. The method further includes obtaining information associated with the transaction instrument using the request. The method further includes selecting at least one message, based at least in part, on the information associated with the transaction instrument. The at least one message is selected from a messages database. The method further includes providing the at least one message to the transaction instrument.	2011-03-10
20110060641	CUSTOMER BENEFIT OFFERS AT KIOSKS AND SELF-SERVICE DEVICES - Apparatus and methods for providing customer benefit offers at kiosks and self-service devices are provided. A method for providing customer benefit offer information according to the invention may include using a processor module to receive from an interactive display a customer instruction to dispense cash and dispensing the cash. The method may further include receiving purchasing instrument information from a purchasing instrument interface. The purchasing instrument information may correspond to the purchasing instrument of a customer. The method may further include using an electronic transmitter module to query customer benefit offer information from an offer processor via an electronic communication network. The method may also include using an output device to provide the customer benefit offer information to the customer.	2011-03-10
20110060642	CUSTOMIZABLE METHOD AND SYSTEM FOR THE AUTOMATIC MANAGEMENT AND EVALUATION OF BUSINESS LEAD CREATION AND DEVELOPMENT - A method for measuring the performance and utilization of a marketing campaign, including tracking responsiveness of a plurality of distribution channels to respective leads, wherein each respective distribution channel has at least one component, measuring a return on investment for a marketing campaign, managing the respective distribution channels, evaluating performance of the marketing campaign, and evaluating performance of the at least one components of the respective distribution channels on the leads. The marketing campaign includes at least one marketing event, the leads are attributed to the at least one marketing event, and the leads are associated with a voice of customer evaluation.	2011-03-10
20110060643	CUSTOMIZABLE APPARATUS AND SYSTEM FOR THE AUTOMATIC MANAGEMENT AND EVALUATION OF BUSINESS LEAD CREATION AND DEVELOPMENT - A programmed application set to measure the performance of a marketing campaign and the utilization of distribution channels, including a lead assignment portion, a voice of customer evaluation generator, a marketing campaign evaluation portion, and a distribution channel evaluation portion. The voice of customer evaluation generator generates a voice of customer evaluation for each lead with an actionable value above an actionable threshold. The lead is assigned to the marketing campaign responsible for the lead's creation, and processes of the distribution channel are tracked as the distribution channel services the lead. The programmed application set is configured to execute on a microprocessor assembly including a microprocessor, a memory operationally connected to the microprocessor, and a network interface operationally connected to the microprocessor. A user may review the marketing campaign's performance, review a distribution channel's performance, and reassign the lead to a second distribution channel.	2011-03-10
20110060644	SYNTHESIZING MESSAGING USING CONTEXT PROVIDED BY CONSUMERS - The present invention provides a computer network implementable integration of promoted information with non-promoted content before a consumer interaction with the network, such that when the consumer interacts with the network, a consumer information interacts with this integrated content and delivers a message to the consumer such that the consumer visualizes this message as part of consumer experience without distracting from the network interaction task at hand. The integration is facilitated by semantic analysis and synthesis to naturally position the promoted content as close to the consumer interaction tasks as possible at that instant. This approach displaces the current practise of matching message to media placement while further enabling a promoter to evaluate and respond to feedback data depicting the efficacy of the sponsor message. The network in question is any computer network such as the Internet or intranet.	2011-03-10
20110060645	SYNTHESIZING MESSAGING USING CONTEXT PROVIDED BY CONSUMERS - The present invention provides a computer network implementable integration of promoted content with non-promoted content before a consumer interaction with the network, such that when the consumer interacts with the network, a consumer generated context interacts with this integrated content to deliver a message to the consumer such that the consumer visualizes this message as part of consumer experience without distracting from the network interaction task at hand. The integration is facilitated by semantic analysis and synthesis to naturally position the promoted content as close to the consumer interaction tasks as possible at that instant. This approach displaces the current practice of matching message to media placement while further enabling a promoter to evaluate and respond to feedback data depicting the efficacy of the sponsor message. The network in question is any computer network such as the Internet or intranet.	2011-03-10
20110060646	AUCTION SYSTEM FOR USE OF ADVERTISING AREAS ON INTERNET AND METHOD OF OPERATING THE AUCTION SYSTEM - Disclosed herein is an auction system for the use of an advertising area on the Internet. The auction system includes an auction server and a plurality of advertiser clients. The auction server is installed on the Internet, provides a plurality of advertising areas to each member who has subscribed to post an advertisement, and selects one member who will post an advertisement from among members who participate in an auction in order to use each of the plurality of advertising areas and post an advertisement therein. The advertiser clients connect with the auction server, subscribe as members for the posting of advertisements, search the plurality of advertising areas, select one from among the plurality of advertising areas, and enter bidding prices for the selected advertising area.	2011-03-10
20110060647	Computer implemented method for marketing business serves - This invention is directed to a computer implemented method for marketing business services. The invention particularly relates to a computer implemented method of generating a document to market business services. The invention is also related to a computer implemented method of generating a document by a marketing agent.	2011-03-10
20110060648	Computer implemented method for marketing business services - This invention is directed to a computer implemented method for marketing business services. The invention more particularly relates to a computer implemented method for generating a document to market business services.	2011-03-10
20110060649	SYSTEMS, METHODS AND APPARATUS FOR PROVIDING MEDIA CONTENT - A system for providing media content, including at least one media server, at least one database connected to the at least one media server, each database configured to store a plurality of media content, and at least one device configured for data communication with the at least one media server, each device associated with at least one user. Each media server is configured to determine a relevance between each particular media content and each particular user, and based on each relevance, determine whether to provide that particular media content to the device associated with that particular user.	2011-03-10
20110060650	METHOD OF FACILITATING THE VENDOR ADVERTISEMENT TO LOCAL CONSUMERS VIA DECENTRALIZED SELF-ADJUSTABLE INTERNET BASED APPARATUS - Proposed are a method and apparatus to improve the food market advertisement in a geo-spatial environment. The goal is achieved by a uniform inventory presentation of the local food store on a common Internet site. That in turn motivates the vendors to participate in a disclosed service, and attracts the customers by a competitive pricing layout. An embodiment determines “on-the-fly” some local gourmet preferences to facilitate the regional and ethnic food market advertisement. The goal is achieved by extracting the evocative product features from the food descriptions provisioned by vendors. Anticipating a massive network load, the proposal also includes an algorithm of allocating a distributed structure to optimize the system's load balance.	2011-03-10
20110060651	System and Managing Customized Advertisement Using Indicator on Webpage - The present invention relates to a system for managing a customized advertisement that uses an indicator, the system including: a layer that is stacked on a surface of a specific web page at a size corresponding to a web page and is output on a monitor; a layer forming module that activates the layer when the specific web page is activated and controls the size of the layer to the size of the web page; at least one indicator that is included in the layer and is associated with coordinate values corresponding to specific contents or space positions to be exposed on the surface of the specific web page; and indicator generating module that generates the indicator; an indicator establishing module that forms advertisement contents in the indicator and determines an advertisement progress by a bidding unit performing a bid for an advertiser target; and a calculation module that calculates advertisement costs according to the progress of the advertisement. In the system for managing the customized advertisement that uses the indicator in the web page according to the present invention, the layer is formed on the surface of the web page and the advertisement means referred to as the indicator is displayed on the layer, such that the advertisement can directly be implemented on the web page at low cost and still stimulate the user's curiosity, making it possible to create a new advertisement paradigm, which can stimulate the interest of advertisers and users pursuing various desires.	2011-03-10
20110060652	SYSTEM AND METHOD FOR THE SERVICE OF ADVERTISING CONTENT TO A CONSUMER BASED ON THE DETECTION OF ZONE EVENTS IN A RETAIL ENVIRONMENT - A system and method for the delivery of targeted advertising content to a consumer based on the detection of region and zone events in a retail environment. The retail environment is divided into a number of detection regions, with each detection region monitored by a region manager and containing one or more display devices. Each display device has an associated display zone in which a consumer is likely to be exposed to advertising content that is being presented on the display device. The region manager can detect the location of the marker within the detection region. When a marker enters a display zone, the region manager makes an HTTP request to a session manager to deliver relevant advertisements. The session manager responds with an HTTP response that delivers advertising content to the display device that is contained in the display zone.	2011-03-10
20110060653	LOCATION-AWARE ADVERTISING TO PARKING LOCATION USERS - A payment system for parking locations communicates with a plurality of parking meters, each of which is associated with a predetermined geographic location corresponding to a parking location. The system receives user identifying information via a communication related to payment for a parking session at a parking location identified by the communication, and determines a user credit/debit card data for payment of the parking session based on the user identifying information. Data related to the parking session at the geographic location of the parking meter is stored in a database associated with a parking history of the user, and determines one or more advertisements to communicate to the user based on the geographic location of the parking meter and previously stored data related to the parking history of the user.	2011-03-10
20110060654	METHOD AND APPARATUS FOR ATM-BASED CROSS-SELLING OF PRODUCTS AND SERVICES - A method of and apparatus for automatically displaying an advertisement or promotional material to a user of an automated teller machine or point of purchase terminal. The method includes accessing debit data and credit bureau data for the applicant, accessing account information for the applicant, generating a score for the applicant based on the data and the account information and determining what advertisements or promotional offers to display on the ATM or POP terminal. The apparatus is a system, including both hardware and software components for effecting the method.	2011-03-10
20110060655	Currency Market Utilizing Precious Metals and Gemstones - Systems and methods for purchasing jewelry can include accepting jewelry from an individual, and evaluating the jewelry to generate a bid using an automated evaluation process including: accepting input of a plurality of attributes associated with the jewelry; and accessing a database to set the bid for the jewelry. Methods also include providing the bid to the individual, and, if acceptance of the bid is received from the individual, assuming ownership of the jewelry, and paying the individual for the jewelry. If denial of the bid is received from the individual, returning the jewelry to the individual.	2011-03-10
20110060656	Auction Method for Real-Time Displaying Bid Ranking - Disclosed herein is a real-time auction method that is based on an auction server for performing a process of an auction and wired and wireless terminals of participants. The method includes the auction screen providing step of providing an auction screen, on which auction information is displayed, to wired and wireless terminals of participants participating in the auction, the ranking displaying step of displaying bidding prices on the auction screen in order of ranking in the case where the participants present the bidding prices, the bidding extending step of extending a bidding time if a highest bidding price is lower than a predetermined desired bidding price or a difference between a highest bidding price and a next highest bidding price is less than a predetermined difference when a first set bidding time ends, and allowing only bidders presenting the highest bidding price and the next highest bidding price to participate in the extended auction, and the successful bid determining step of displaying a successful bidding price and a successful bidder when a finally set bidding time ends.	2011-03-10
20110060657	ON LINE WEB PORTAL FOR PRIVATE NETWORK SERVICE PROVIDERS - A web-enabled user interface is provided to enable the carriers of private networks to interact and to offer services to one another. The web-enabled user interface is integrated to a switch fabric configured to provide interconnection services for the carriers. The web-enabled user interface is configured to enable the carriers to assign different roles to different representatives. Each of the representatives is granted certain rights and permissions by an administrator representative based on the representative's role. The web-enabled user interface is configured to present to each representative a unique interface based on their roles thus providing each representative a unique experience.	2011-03-10
20110060658	System and Devices for Digital Media Distribution - A device includes a memory for storing digital media, a transfer module, and a processor. The media includes first data that associates the media with the device, second data authorizing the device to play back the media, and third data authorizing the device to transfer a copy of the media. A transfer includes transfer data identifying the copy uniquely relative to the device. The processor implements instructions to receive a request to transfer a copy of the media to a peer device, create a copy of the media that includes the first data and the transfer data, and direct the transfer module to transfer the copy to the peer device and send a transaction record including the first data and the transfer data to a server.	2011-03-10
20110060659	METHOD AND SYSTEM FOR RANKING INFORMATION ITEMS FOR DISPLAY - A method of displaying information items, the method comprising: determining a ranking score for each of a plurality of information items based on a history of votes received for each of the information items, the determining comprising: assigning a value to the information item for each vote received in respect of that information item, assigning a weight to each value as a function of the recency of the vote, and calculating a score for each information item, the score being calculated as a first sum across all votes of the product of the value of each vote with its assigned weight, divided by a second sum of the weights across all votes; determining, responsive to a first serve request and based on at least one criterion, at least one of the information items to be displayed at a client device; and transmitting to the client device code executable by a browser application to display the at least one information item based on the ranking score.	2011-03-10
20110060660	DIGITAL CONTENT PURCHASE MANAGEMENT - A multi-merchant purchasing system is configured to identify downloadable products selected by a user for purchase. The identified downloadable products are offered by multiple merchants. The multi-merchant purchasing system enables the user to purchase multiple downloadable products in a single transaction. Specifically, the multi-merchant purchasing system determines payment information associated with the user and, with little to no user-interaction, sends the payment information to applications associated with the merchants for processing. The multi-merchant purchasing system may also be configured to receive purchase information from the merchant applications and maintains the purchase information for the user in a locker. The multi-merchant purchasing system may further be configured to automatically download and install the purchased product onto the user's computing device through a software assistant. To promote privacy and security, the multi-merchant purchasing system may include a credit card quarantine module to secure credit card data.	2011-03-10
20110060661	SYSTEM AND METHOD TO PROVIDE GIFT MEDIA - In various exemplary embodiments, a system and method to provide gift media is disclosed. The method includes receiving, at an interactive media component, a selection of the media item and a selection of at least one recipient for the media item from a user of a client device. A purchase transaction based on the selection of the media item and the at least one recipient is processed. Delivery of the media item to the at least one recipient is triggered.	2011-03-10
20110060662	METHODS FOR PACKAGING PRODUCTS FOR MAILING - Methods for packaging products for mailing A method includes receiving an order for a product by a manufacturer and from a customer, the product having an associated retail packaging that cannot be sorted using letter and flats sorting equipment. The method includes packaging the product by a manufacturer in a non-retail packaging that can be sorted using automated postal sorting equipment. The method includes, in response to the order, addressing the package to a recipient by the manufacturer using printing equipment, and delivering the packaged product to a postal system for delivery to the recipient.	2011-03-10
20110060663	System and Method of Providing Customer Purchase Propensity Information to Online Merchants - A system for providing online merchants with purchase propensity information is provided. The system includes a processor and a purchase propensity module executable by the processor. The purchase propensity module receives, from an online merchant computer, a message containing a customer identifier that identifies a customer who has established an online browsing session with the online merchant. In response, the purchase propensity module transmits to the online merchant computer purchase propensity data associated with the identified customer while the browsing session is in progress. This allows the online merchant computer to determine a targeted offer for the user while the user is in the online browsing session.	2011-03-10
20110060664	SERVICES FOR ENABLING USERS TO SHARE INFORMATION REGARDING E-COMMERCE TRANSACTIONS - Various computer-implemented services are disclosed for assisting users in selecting items from an electronic catalog, and for selecting merchants with which to conduct transactions. One such service enables users to share information about their respective purchases with other users. Another service enables users to share information regarding the merchants with which they have conducted transactions.	2011-03-10
20110060665	METHOD AND APPARATUS FOR ASSOCIATING MENU INFORMATION - Methods and Apparatus related to generating representations of information. The information may include menu information for merchants such as restaurants. Referring to menus, methods may include receiving potential information for a first menu, and receiving indications of associations of the information with the first menu and/or any number of additional menus. Information and/or associations may later be updated by a desired set of users.	2011-03-10
20110060666	Presentation of Information or Representations Pertaining to Digital Products Available for Digital Distribution - Improved methods, systems, graphical user interfaces and computer program code for presenting representations or information concerning digital products are disclosed. The representations of digital products can serve to promote certain digital products at an online digital product distribution site. Information concerning a particular digital product can be rapidly accessible from a displayed page at an online digital product distribution site referencing a plurality of different digital products. According to one aspect, a plurality of representations (e.g., images) can be dynamically presented to facilitate access to corresponding digital product information. The representations being presented can be automatically changed on a periodic basis, unless user interaction requests otherwise. According to another aspect, digital product information can be presented in an overlay window that can be initiated by a user and present relevant information concerning a digital product. Advantageously, digital product information can be quickly presented to a user without having to navigate to a new page of an online distribution site.	2011-03-10
20110060667	MONETIZATION OF INTERACTIVE NETWORK-BASED INFORMATION OBJECTS - An information objects is defined that is representative of a real-world entity (e.g., a product or a service). The information object may be stored in a data store. The information object has an associated owner. A communication channel is associated with the information object that is configurable to route communications to a manager assigned to the information object. A party is enabled to obtain management of the information object for a time period. The communication channel is configured to route to the party requests that are made by interacting with the information object during the time period. A plurality of users is enabled to interact with the information object during the time period to input requests to the party over the communication channel.	2011-03-10
20110060668	SYSTEM AND METHOD FOR GENERATING A COMBINED STATEMENT - A combined statement processing (“CSP”) system and method provides a combined statement attribute to a master contract, which defines a set of accounts for which a combined statement should be generated. The CSP may generate a number of unique tokens passed on a pre-existing output management system (“OMS”). The unique tokens may also be passed to a set of account management systems (“AMS”), which may trigger various reports to the OMS by the AMSs. Using the unique tokens sent by the CSP, the OMS may then hold the output production until reporting data is received by the AMSs from each unique token. This way, a pre-existing OMS and pre-existing AMSs may be leveraged to with little or no alteration to generate a combined statement.	2011-03-10
20110060669	Method and Apparatus for Wirelessly Transmitting High Volume Content to an Electronic Device - Digital content, particularly high volume digital content, such as newspapers or e-books are transmitted to an electronic device such as a handheld book reader over available bandwidth in a commercial FM radio station, private radio station, television station, or other one-way transmission system. A particular content item may be periodically rebroadcast along with other content on a rotating basis. GPS receivers and location-oriented databases may be used to allow the electronic device to find local broadcast outlets for the digital content when relocated to a new area. When no one-way transmission system is available or when packets of the high volume content are missing, a two-way communication system such as cellular (e.g. 3G or 4G systems), WiFi, WiMax, Bluetooth, etc. may be used to download all or part of the high volume content. Encryption schemes may be used to selectively authorize use of both electronic devices and content.	2011-03-10
20110060670	SYSTEM AND METHOD FOR MANAGING DATA RELATING TO INVESTMENTS FROM A VARIETY OF SOURCES - A computer system for furnishing data relating to investments has a processor and one or more memory storage devices in communication with the processor. Data relating to investments is stored in the one or more memory storage devices. A catalog includes at least data stored in at least one of the one or more memory storage devices, the data including at least logical locations for the data relating to investments. The processor is adapted to execute services for calling to the catalog for locations of the data, and, employing at least logical locations of the selected data obtained from the catalog, access the selected data from at least one of the memory storage devices, perform one or more operations on the selected data, and provide the selected data for display to a user.	2011-03-10
20110060671	METHOD AND SYSTEM FOR AN INTEGRATED APPROACH TO COLLECTIONS CYCLE OPTIMIZATION - Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the variability of the collections cycle, reducing instances of foreclosure in collections, while increasing borrower satisfaction with the collections process. Candidate loan officers are selected based on behavioral attributes, personnel history, and human resources information, among other factors. Scripts that improve the effectiveness of communication between loan collection staff and borrowers are generated. An optimized collection program to best suit the needs of a particular borrower is determined.	2011-03-10
20110060672	METHOD OF ON-LINE CREDIT INFORMATION MONITORING AND CONTROL - The invention is a method of on-line credit information monitoring and control. In detail, the method includes the steps of. 1) accessing the credit information by means of a computer system in a computer network; 2) providing the information to the individual by means of the computer system in the computer network; 3) providing for the individual to request changes in the information; and 4) informing the individual of the completion of the changes in the information.	2011-03-10
20110060673	SYSTEM FOR TRANSFERING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF CREDIT-COUNSELING AGENCIES - A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers. The system can be used with an intermediary that detects referring information sufficient to identify a referrer identity, to select which one of several financial assistance providers to refer the inbound communication by using a computer to look up and to apply referral	2011-03-10
20110060674	COMPUTER-IMPLEMENTED GLOBAL CURRENCY DETERMINATION - Embodiments of the present invention are directed at least in part to a computer-implemented method for determining the value of a global currency. Data indicative of a Gross Domestic Product (GDP) value of each of a plurality of countries is used to select a plurality of countries on the basis of a predetermined criterion, and then relative weightings of the selected countries are evaluated on the basis of their respective GDP values. The global currency is evaluated by combining the evaluated relative weightings with currency values associated with the selected countries.	2011-03-10
20110060675	COMPOUND REDEMPTION DEVICE - The present invention provides methods and apparatus one or more of: creating, issuing and redeeming Compound Redeemable Instruments. Apparatus can include a computerized system with executable software that is executable upon demand to process Redemption Instances as well as create and issue Compound Redeemable Instruments.	2011-03-10
20110060676	System and method for structuring, trading, and processing differential funds - A system and method is provided for structuring, and recording and processing information and data flow necessary to effect trades; creations; and redemptions of shares of, a differential fund. A differential fund comprises an underlying index or basket of securities, commodities, or other assets, with share classes equivalent to the number of and linked to components or sectors of the underlying. The system and method allocates dividends, distributions, or capital appreciation owing each class by weighting a predetermined financial indicator of each component to each other and then applying distributions or appreciation owed to the whole fund to individual classes based on the indicator weighting. Shares trade freely at a market premium over the net-asset value or market price of the fund. Because each share is backed by the entire underlying, the net-asset value or market price of the underlying establishes a natural lower-bound in the price of a share.	2011-03-10
20110060677	QUOTE AND ORDER ENTRY INTERFACE - A graphical user interface centralizes Level I quote information in the center of a circular display while Level II (or regional) data appears in peripheral bands layered on the outside of the Level I information. The interface is also split into two main sections, a “bid” quote information section and an “ask” quote information section. The bid quote information appears on the left of the interface while the ask quote information appears on the right side of the interface. Through clicking in any one of the peripheral bands, an order can be placed at that price point.	2011-03-10
20110060678	METHOD AND SYSTEM FOR ADMINISTERING A DISCOUNTED SECURITY - An exchangeable security, tradable on a securities exchange is issued at a share price that is a discount from the share price of an underlying security or basket of underlying securities. At or prior to maturity of the exchangeable security, a holder of the exchangeable security may exchange a share of the exchangeable security for a share of the underlying security or basket of underlying securities. The exchangeable security may also include a linked payment that is redeemable for the full amount of the payment on maturity of the exchangeable security. Alternatively, the exchangeable security may be issued at the share price of the underlying security with the linked payment. The invention provides methods for issue, trade and redemption as well as systems for issue, trade and redemption of the security.	2011-03-10
20110060679	METHOD AND SYSTEM FOR ADMINISTERING A DISCOUNTED SECURITY - An exchangeable security, tradable on a securities exchange is issued at a share price that is a discount from the share price of an underlying security or basket of underlying securities. At or prior to maturity of the exchangeable security, a holder of the exchangeable security may exchange a share of the exchangeable security for a share of the underlying security or basket of underlying securities. The exchangeable security may also include a linked payment that is redeemable for the full amount of the payment on maturity of the exchangeable security. Alternatively, the exchangeable security may be issued at the share price of the underlying security with the linked payment. The invention provides methods for issue, trade and redemption as well as systems for issue, trade and redemption of the security.	2011-03-10
20110060680	SYSTEM AND METHOD FOR MANAGING TRADING USING ALERT MESSAGES FOR OUTLYING TRADING ORDERS - According to one embodiment, a method of managing trading is provided. In a market for a particular type of instrument, buy orders and sell orders are received from a plurality of traders. Each buy order has an associated bid price and each sell order has an associated offer price. A determination is made of whether the particular trading order is an outlying trading order by determining whether the particular trading order differs from at least one comparison price by more than a threshold value. If it is determined that the particular trading is an outlying trading order, a restrictive action is taken regarding the outlying trading order. For example, if a trader subsequently submits another trading order that would trade with the outlying trading order, an alert message may be sent to the trader and the subsequent trading order may be prevented from trading with the outlying trading order at least temporarily.	2011-03-10
20110060681	SYSTEMS AND METHODS FOR LINKING ORDERS IN ELECTRONIC TRADING SYSTEMS - Systems and methods for linking orders in electronic trading systems are provided. These systems and methods enable a trader to select two or more items that are to be linked and specify linking parameters for those items. Any desired set of items may be linked, and the linking parameters may include price adjustments, order sequencing instructions, automatic/manual execution controls, execution delays commands, and update frequency limits. Upon detecting a bid or offer for a linked item, the systems and methods may then determine a size and a price for each linked item based upon the size and the price of the bid or offer for the first linked item. In this way, the sizes and the prices for the other linked items may be propagated from the size and the price for the first item. Once the size and the price for each item is determined, the systems and methods may submit orders for the items in accordance with the linking parameters. In the case where orders for linked items may only be submitted in designated lot sizes, the systems and methods may round the sizes of the orders to the designated lot sizes, and then submit remainder orders to make up for the rounding.	2011-03-10
20110060682	SYSTEMS AND METHODS FOR LINKING ORDERS IN ELECTRONIC TRADING SYSTEMS - Systems and methods for linking orders in electronic trading systems are provided. These systems and methods enable a trader to select two or more items that are to be linked and specify linking parameters for those items. Any desired set of items may be linked, and the linking parameters may include price adjustments, order sequencing instructions, automatic/manual execution controls, execution delays commands, and update frequency limits. Upon detecting a bid or offer for a linked item, the systems and methods may then determine a size and a price for each linked item based upon the size and the price of the bid or offer for the first linked item. In this way, the sizes and the prices for the other linked items may be propagated from the size and the price for the first item. Once the size and the price for each item is determined, the systems and methods may submit orders for the items in accordance with the linking parameters. In the case where orders for linked items may only be submitted in designated lot sizes, the systems and methods may round the sizes of the orders to the designated lot sizes, and then submit remainder orders to make up for the rounding.	2011-03-10
20110060683	BUSINESS AND SOCIAL MEDIA SYSTEM - A business and social media system is provided for establishing communication services between people in different countries. The system includes a core system module, the core system module including a server for maintaining information regarding a client and a means for establishing communications services between a client and another person. The system further includes external modules in communication with the core system module, the modules including a telephony termination module, a telephone module service module, an SMS module, a contact center module, a mobile application module, a web application module, a retail module, a bank module, and the like.	2011-03-10
20110060684	Machine, program product, and computer-implemented methods for confirming a mobile banking request - Embodiments of the present invention include methods, program product and machines for providing a confirmation for a mobile banking request, e.g., a funds movement request, originating via a text message utilizing a predetermined communications protocol, e.g., Short Message Service (SMS). A customer sends and a bank server receives a request originating via text message. The text message can include an amount and identifiers for accounts to be debited and credited. The bank server accesses an account responsive to a phone number associated with the text message. The bank server stores the request as pending. The bank server sends a verification request via text message to the customer and then receives a verification response via text message from the customer. The verification request can include a one-time verification code required for a valid verification response. Next, the bank server authorizes the pending request responsive to a valid verification response.	2011-03-10
20110060685	PERSONAL TELLER SYSTEM AND METHOD OF REMOTE INTERACTIVE AND PERSONALIZED BANKING - Systems and methods for providing personalized services to remote customers using personal teller machines (PTM) from a centralized call center. The customer initiates the transaction providing identification at a PTM. The identification of the customer is verified and audio and/or video communication is established between the customer at the PTM and a teller at a teller station in the call center. Upon establishment of video and audio connection, the customer may request the performance of specific financial transactions that are controlled by a teller through the teller station that is connected with the PTM over a network. Upon completion of the transactions of the customer by the teller, a receipt is printed for the customer and the video and audio connections are closed.	2011-03-10
20110060686	System and Method for Communicating Check Information to a Financial Institution - A system for communicating check information to a financial institution is provided. The system includes but is not limited to a check reader, a centralized computer, and a financial institution computer. The check reader retrieves check information from a drawn check. The check information includes an amount of money, a routing number, and an account number. The centralized computer is in communication with the check reader. The centralized computer converts the check information into debit card data for transmission over a debit card network. The financial institution computer is in communication with the centralized computer via the debit card network. The debit card data is transmitted to the financial institution over the debit card network.	2011-03-10
20110060687	SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ISSUING AND USING DEBIT CARDS - A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.	2011-03-10
20110060688	APPARATUS AND METHODS FOR THE DISTRIBUTION OF DIGITAL FILES - Processes and apparatus for the on-line distribution of digital files with advertisements, advertisement management systems, digital rights management systems, and a user computing devices are provided. In some implementations, a method involves transmitting a digital file to a computing device upon receiving a request originating from the computing device to download the digital file to the computing device, the digital file having a set of executable instructions and transmitting one or more advertisements associated with the digital file to the computing device. In one implementation the set of executable instructions when executed in the computing device are useable to detect if one or more of the associated advertisements have not been received or properly played in the computing device. In one implementation the set of executable instructions are also useable to delay or to prevent or to inhibit full execution of the digital file in the computing device upon detecting that one or more of the associated advertisements have not been received or properly played in the computing device.	2011-03-10
20110060689	Process for implementing a method for the on-line sale of software products and the activation of use licenses through a data network - Online sale of software product use licenses through a data network by offering software products (SOFT) through vendor sites, purchasing a license on-line on one of said vendor sites, and activating said license on-line by a different licensing site. A specific component (COMP) is provided with the software product (SOFT) and identifying data (IDV) of the vendor site are transmitted during the download of the software product (SOFT). When the component (COMP) is executed in an equipment, the component (COMP) locally accesses said data (IDV) and identifying data (IDL) of the licensing site and activates the license by setting up an on-line communication with the licensing site.	2011-03-10
20110060690	ELECTRONIC PAYMENTS IN A MOBILE COMMUNICATION SYSTEM - The present invention relates to electronic payments in a mobile communication system, methods and arrangements for secure transmission using SMS in a mobile communication system. In a method data and a PIN-code are stored in a memory in a mobile terminal. A first bit sequence is created from the data and the PIN-code where different 8-bit combinations represent each character of the data and the PIN-code. Next the first bit sequence is encrypted using a PKI (Public Key Infrastructure) public-key to create a second bit sequence. A sequence of characters is then created from the second bit sequence, where each character in the sequence of characters is represented by an 8-bit combination. The characters are then transposed to 7-bit characters to create a third bit sequence which is transmitted to a server using SMS. The data, PIN-code and first bit sequence are also erased from the memory in the mobile terminal.	2011-03-10
20110060691	TARGETABLE MULTI-MEDIA PROMOTION CHANNEL AT POINT OF SALE - Apparatus and methods for providing a targetable multi-media promotion channel at the point of sale are provided. The apparatus may include a system for providing to a customer an offer at a point of sale terminal. The system may include machine readable memory configured to store in an offer platform offer information corresponding to a first item. The system may also include an electromagnetic transmitter module configured to transmit the offer information to the point of sale terminal for presentation by the point of sale terminal during a transaction for a second item. The system may also include an electromagnetic receiver module configured to receive an offer acceptance corresponding to the offer information before the customer pays for the second item.	2011-03-10
20110060692	Martin Grassroots Operational Structure (MGOS) Method - A method for organizing grassroots (individuals or collective groups of people) operations to a user's preference utilizing a comprehensive grassroots operational structure, producing operational success through greater efficiency in grassroots operations, recruitment, training, and retention within the organization. The creation and subsequent management of this structure will allow the user to recruit and place grassroots volunteers in a quick, effective, and efficient manner. The method breaks down the organized area into smaller Operational Areas, categorizes and codes those Operational Areas, sets minimal staffing levels for the structure, and fills the structure with positions which contain: 1. How does this position fit into the organization's purpose; 2. What training is needed for this position; 3. Which other position does this position report to; 4. If applicable, the other positions that report to this position; and 5. The Position's Title. The entire structure is managed through reporting, recruiting, and volunteer placement until the completion of the grassroots operation. The method produces operational success through greater efficiency in grassroots operations. The method also produce better outcomes for corporations or other organizations who wish to meet consumers in an organized personal way cheaper than a traditional advertising campaign. The method drastically improves the efficiency of recruitment, training, and retention in organizations.	2011-03-10
20110060693	Vending Machine for Large Product Containers - The present invention provides machines, methods and apparatus for automatically vending, damping, delivering and returning large heavy product containers such as 5-gallon water bottles. In some embodiments, damping methods and apparatus are provided to gently transfer large heavy product containers from one level to another inside a vending machine. In some embodiments, methods and apparatus including adjustable support rails are provided for handling different sized large heavy product containers inside a vending machine. In some embodiments, delivery methods and apparatus are provided for use with large heavy product containers. In some embodiments, methods and apparatus for returning large product containers are provided. Some or all of these features may be provided in a single vending machine, or in multiple machines, and multiple features or machines may be controlled by a single computer processor.	2011-03-10
20110060694	DISTRIBUTED SECURE ANONYMOUS CONFERENCING - A communications manager of an enterprise receives an add-conference request to host a conference by the enterprise from an organizer client, wherein the conference to enable an anonymous user that does not have enterprise credentials to join the conference. The communications manager sends an add-conference response to the organizer client indicating that the conference is organized.	2011-03-10
20110060695	System and Method for Automated Admissions Process and Yield Rate Management - Admissions processing, management and yield rate improvement is enabled through an automated submission, management, notification, matching and status indication system in accordance with the present invention. The present invention provides an applicant component enabling applicants to submit an application for admission and receive status information about their application. The present invention further provides a management component for personalizing communications, scheduling interviews and on-site visits, and categorizing, assigning and evaluating the application. The present invention further provides a matching component to assist the admissions office personnel in qualifying candidates for admission, determining the most likely candidates from the qualified candidates to accept an offer, and matching prospective students with current students for tours and other applicant services. The present invention further provides a communications component for notifying admissions office personnel of assigned applications and allowing applicants to view the application status. The present invention can integrate with previously established interfaces and databases, and can be customized for specific user needs.	2011-03-10
20110060696	SYSTEM AND METHOD FOR PROVIDING A PRICE QUOTATION FOR A TRANSPORTATION SERVICE PROVIDING EQUIPMENT SELECTION CAPABILITY - A method and system for computing the price for shipping goods. The method includes causing a computer to deliver first information to a user prompting the user to enter at the computer information about a rail transportation service for shipment of goods by one or more railcars. Information about a basic pool of railcars is received and filtered based on one or more filtering criteria to produce a filtered pool of railcars. The computer is then caused to deliver second information to the user prompting the user to select at the computer one or more railcars among the filtered pool of railcars for the shipment of goods. A price for the shipment of the goods is then computed at least in part on the basis of the rail transportation service and the one or more characteristics of the railcars in the filtered pool of railcars selected by the user.	2011-03-10
20110060697	METHOD FOR CREATING AND DELIVERING CUSTOMIZED COMPLIANCE INFORMATION - A method and system to create personalized investor information packages, based on investor information, to be delivered to the investor to satisfy both compliance regulations and investor preferences. The method and system may deliver information in a paper or electronic format.	2011-03-10
20110060698	EQUITY-INDEXED ANNUITY FOR GROUP SAVINGS PROGRAMS - A Group Equity-Indexed Annuity (GEIA) with a guaranteed minimum equity related return for a set of individuals are provided. An algorithm sets a “participation rate” of a GEIA contract as well as the carrier margin, risk and opportunity for recovery. The carrier is held accountable to the participation rate produced by the model investment portfolio in the formula and subject to the guaranteed minimum. The selection of the participation rate is entirely visible to a GEIA contract-holder. A “hedge budget” is based on a formula-driven amortization process that blends old and new money. Underlying assets are also managed to a “constant” duration, such as the duration of a bond index selected by the GEIA contract-holder.	2011-03-10
20110060699	SYSTEM FOR AND METHOD OF INTERNATIONAL POOLING - A system for and method of tracking a loan from a pool of assets is presented. The pool of assets may be legally owned by a single entity, but with separate individual investors owning an economic beneficial interest in a portion of the pool. The system and method provide a technique that allows for tax transparency for income generated by loans of such individual investor's associated assets. Moreover, the system and method allow for the separate individual investors to be domiciled in different tax jurisdictions.	2011-03-10
20110060700	WIRELESS MEDICAL GASES MANAGEMENT SYSTEM - The present invention generally provides methods and systems for managing a medical gas system by using wireless sensors located at the point of use. In one embodiment, a wireless sensor is fixed to a gas outlet, and is configured to measure gas flow, and to detect whether the gas outlet is connected to a medical device. The gas flow and connection data is included in a wireless signal that is transmitted to a remote server. The data received by the server may be analyzed to determine if any local or system leaks are occurring. In addition, the data may be used to monitor patient therapies, to calculate costs, and to determine replenishment points.	2011-03-10
20110060701	OUTDOOR FLUORESCENT LIGHTING FIXTURES AND RELATED SYSTEMS AND METHODS - A system for mounting an outdoor fluorescent lamp lighting fixture to a pole includes a compression sleeve configured to receive and tighten around the pole, a pivot base fixed to the compression sleeve, a mount configured for securing to the fluorescent lamp lighting fixture and for pivotally coupling to the pivot base, where the mount includes multiple adjustment points configured to allow the mount to be fixed at varying angles relative to the pivot base.	2011-03-10
20110060702	USING A GENETIC ALGORITHM EMPLOYING AN EXPEDITED CONVERGENCE MECHANISM - Apparatus and method for at least partially fitting a medical implant system to a patient is described. These apparatuses and methods comprise executing a genetic algorithm to select a set of parameter values for the medical implant system. This genetic algorithm may comprise generating successive generations of child populations until a confidence threshold is reached. This confidence threshold comprises determining whether the values of each parameter value to be selected have converged on particular value with a specified confidence level. In determining whether the values have converged, one or more initial generations of the search may be excluded in computing the likelihood that the value has converged.	2011-03-10

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