11th week of 2014 patent applcation highlights part 59 |
Patent application number | Title | Published |
20140074638 | CONSUMER SELF-AUTHORIZATION FOR ELECTRONIC RECORDS - A system and method for authorizing access to a third party at least in part for medical records. The system includes at least one server that includes or is coupled to at least one central repository. The at least one central repository stores multiple patient files. A patient is registered with the at least one central repository using a sign in scheme and allowed to store the medical records associated with the patient after signing in through the sign in scheme. The system further includes a device for authorizing access to the third party for the medical records at least in part. The device includes a second repository storing a set of rules dictating access rights and levels for the third party and an access module that processes authorization of the third party for access of the medical records. | 2014-03-13 |
20140074639 | METHOD AND APPARATUS FOR HOLISTIC MODELING OF USER ITEM RATING WITH TAG INFORMATION IN A RECOMMENDATION SYSTEM - An approach is provided for a holistic framework to model user item rating with user generated tag information. A tagging manager determines one or more tags associated with one or more items, wherein the one or more tags are generated by one or more users. The tagging manager processes and/or facilitates a processing of the one or more tags to cause, at least in part, a generation of one or more semantic spaces. The one or more semantic spaces and/or one or more semantic concepts within the one or more semantic spaces represent one or more groupings of the one or more tags. The tagging manager determines one or more probability parameters that the one or more tags, the one or more users, the one or more items, or a combination thereof are associated with respective ones of the one or more semantic concepts in the semantic spaces. The tagging manager then processes and/or facilitates a processing of the one or more probability parameters to cause, at least in part, a calculation of predicted rating information with respect to the one or more tags, the one or more users, the one or more items, or a combination thereof. | 2014-03-13 |
20140074640 | TECHNIQUES TO AUCTION A PORTION OF A WEB PAGE - Techniques to auction a portion of a web page are described. A computer implemented application may receive a selection indicative of a portion of a web page from a website to be auctioned. The computer implemented application may accept bids from one or more bidders for the portion of the web page and receive payment for the portion of the web page from a winning bidder. The computer implemented application may receive text and/or graphics to be inserted into the portion of the web page and re-construct the web page by placing the received text and/or graphics into the portion of the web page. Other embodiments are described and claimed. | 2014-03-13 |
20140074641 | MECHANISM FOR FACILITATING AUTION-BASED RESOURCE SHARING FOR MESSAGE QUEUES IN AN ON-DEMAND SERVICES ENVIRONMENT - In accordance with embodiments, there are provided mechanisms and methods for facilitating an auction-based fair allocation and usage of thread resources for user messages according to one embodiment in an on-demand services environment. In one embodiment and by way of example, a method includes receiving job requests and bids from a plurality of organizations over a network, where each job request and the corresponding bid is placed by a user associated with an organization having a resource currency value within a multi-tenant database system via a user interface at a computing device over the network, determining resource currency values associated with pending jobs relating to the plurality of organizations, wherein the resource currency values corresponds to resources dedicated to the pending jobs, and performing an auction of the received bids for resources that are not dedicated and remains available for purchase, where a bid includes a purchase request to purchase the available resources. The method may further include prioritizing the job requests based on the dedicated resources and the auction of the available resources, and processing the job requests based on the prioritized job requests. | 2014-03-13 |
20140074642 | INTERNET DISCOUNTED VOLUME PRICING SYSTEM - Internet discounted volume pricing with early participation discounting or “Jump-in Pricing” feature in which a person with quantities of a product/services to sell is prompted to enter in some price points on a website for a defined amount of time. As an individual or group of buyers buy/participate in a listing, the price of that product/service declines. The current price is the price that the seller will not pay more than (excluding shipping and taxes if applicable). The sell-out price is the lowest possible price a buyer or collection of buyers will pay (excluding shipping and taxes if applicable) if the entire quantity sells out. The seller offers “Jump-in Pricing” which is a discount to early participants/buyers of a listing to provide an incentive to a person or person(s) to get in early and start the pricing reduction. | 2014-03-13 |
20140074643 | PROCESSING REQUESTS FOR PROPOSALS - There is disclosed a method and apparatus for processing requests for proposals. The method includes receiving a request for proposal including a project to be completed and an estimated budget for the project, accepting funds into an escrow account to partially-fund the project, and receiving interactions with the request for proposal from a first and a second potential seller, the interactions including a selected one of (1) discussion regarding the project, and (2) a bid on the project. The method further includes accepting additional funds into the escrow account in order to more fully fund the project, determining that one of (1) a project award indicating that the project has been awarded to the seller has been received or (2) a project term has lapsed, and providing all funds in the escrow account to a group including at least one of the first and the second potential seller. | 2014-03-13 |
20140074644 | ON-LINE SALES SYSTEM USING A SOCIAL AUCTION - Disclosed is an on-line sales system using a social auction capable of giving an increased discount rate as time progresses to a reserved purchaser paying for products in part based on a future purchasing condition on products, providing a divided purchase ticket to participate in a social auction to the purchaser so as to make a bid one time only, activating a sale of participating companies by progressing the social auction, supporting an integrated successful bid price corresponding to a bid signal of a purchaser at the time of purchasing products, and activating a sale in an open market from which the divided purchase ticket is issued. According to the on-line sales system using a social auction, the seller sells the divided purchase ticket to assure a future sale, thereby easily securing production funds, implementing planned production, and effectively performing promotion and sales. | 2014-03-13 |
20140074645 | Bid Assessment Analytics - Methods, computer readable media, and apparatuses for performing bid assessments and outputting bid assessment scores are presented. A bid assessment analytics system may retrieve a set of predetermined bid assessment questions relating to a bidding opportunity and present the bid assessment questions via a user interface. Answers to the bid assessment questions may be received and scores may be determined for one or more bid assessment factors. Bid assessment weights associated with specific organizations, users, and/or industries may be calculated and stored based on data input for previous bidding opportunities and the outcomes of the previous bidding opportunities. The applicable bid assessment weights may be retrieved and used to calculate the bid assessment factor scores and/or overall bid assessment scores for bidding opportunities. | 2014-03-13 |
20140074646 | Automated Negotiation - Offers previously accepted and offers previously made by one or more opposing parties in negotiations inform an assessment of the likelihood that a candidate offer will be accepted by an opponent in a negotiation. | 2014-03-13 |
20140074647 | METHODS AND SYSTEMS FOR RECOMMENDING CLOUD CONFIGURATION IN A CLOUD SERVICE MARKET PLACE - In a method and system for providing one or more cloud services in a cloud, one or more high-level parameters are received from a customer through a service requisition interface; a cloud configuration is generated along with a Service Level Agreement (SLA) based on the received high-level parameters; the generated cloud configuration along with the SLA is recommended to the customer through an output interface; the customer is allowed to negotiate the SLA recommendation through the service requisition interface based on a tradeoff between the one or more high level details at a service layer of the cloud through an SLA negotiation system; and the one or more cloud services are provided to the customer based on the negotiated SLA. | 2014-03-13 |
20140074648 | PORTION RECOMMENDATION FOR ELECTRONIC BOOKS - A method for providing comments for an electronic book with a number of portions includes receiving user tags, each corresponding to a portion; analyzing the tags to generate corresponding reader-specific information; and preparing presentation information based on the reader-specific information. A reader can create such comments for the reader's own later use or a group of readers can generate comments that are presented to yet another reader at a later time. | 2014-03-13 |
20140074649 | GROCERY RECOMMENDATION ENGINE - State-based approaches, techniques, and mechanisms are disclosed for recommending items to a user. A method comprises detecting a user state, from a plurality of different enumerated user states, based on items that the user recently selected, and/or location data. Based upon the detected user state, a particular algorithm, from a plurality of algorithms, is selected for recommending items. Information about the recommended items is presented to the user. Responsive to presenting the information about the recommended items, input is received selecting one or more of the recommended items for at least one of: adding to a shopping list, or requesting a coupon. Examples of possible detected user states include a recipe state, a grocery shopping state, and a quick shopping-run state. In an embodiment, state detection occurs at a client device, such as a smartphone featuring a shopping list management application or coupon application. A server-side recommendation engine provides recommendations. | 2014-03-13 |
20140074650 | PERSONALIZED CROSS-DOMAIN RECOMMENDER SYSTEM - Cross-domain recommender systems comprising: a profile module for allowing a user to define preferences in a plurality of domains; a query module for allowing a user to request a recommendation in a target domain; a recommendation module for responding to a request by applying an algorithm to make one or more recommendations in said target domain using preferences defined in one or more non-target domains; and a display module for presenting said one or more recommendations to a user. | 2014-03-13 |
20140074651 | METHODS FOR AND APPARATUS FOR ASSOCIATING EMOTIONAL MOTIVATORS WITH PRODUCTS - The present invention provides methods and apparatus for associating Emotional Motivators with a Product. The Emotional Motivators associated with the Products are correlated with Emotional Motivators associated with a Purchaser. Advice regarding a Purchase may be provided based upon the correlated Emotional Motivators. | 2014-03-13 |
20140074652 | SYSTEM AND METHOD FOR A GRAPHICAL USER INTERFACE HAVING A RESIZABLE RECOMMENDATIONS AREA - A system and method for rendering a graphical user interface having recommendations. The method includes accessing, within a mobile device, a data store corresponding to a multimedia container. The multimedia container comprises a first object and a second object and the multimedia container is operable to comprise one or more applications, widgets, pieces of content, and other multimedia containers. The data store comprises metadata associated with the first object and the second object. The method further includes displaying a plurality of images each corresponding to a respective recommendation based at least on the metadata associated with the first object and receiving an input. The plurality of items is displayed within a first portion of a display device. The method further includes in response to the input, displaying the plurality of images within a second portion of the display device. The second portion of the display device is greater in size than the first portion of the display device. | 2014-03-13 |
20140074653 | Method, system and apparatus for delivering a recommendation - A method of delivering a recommendation is disclosed. A preference rating is received for each of a plurality of electronic devices based on a task to be recommended, each of the preference ratings defining a preference to perform the recommended task on a corresponding one of the electronic devices. A timeliness profile associated with the recommendation is received. The timeliness profile defines relevance of delivering the recommendation over a period of time. One of the electronic devices on which to deliver the recommendation at a particular point in time is selected based on a function of the preference rating of the selected electronic device and the timeliness profile associated with the recommendation at that point in time. | 2014-03-13 |
20140074654 | SYSTEM FOR MAKING FINANCIAL GIFTS - A computer-implemented method for electronic gift giving. An exemplary embodiment includes providing an internet site for access by a giver, prompting the giver to enter giver identification information, prompting the giver to enter recipient information, prompting the giver to enter a value of a monetary gift, providing a plurality of possible recommended gifts or transfers of funds, prompting the giver to recommend at least one gift or transfer of funds to be effectuated using the monetary gift, prompting the giver to select a presentation template from a plurality of recommended presentation templates, prompting the giver to transfer the value of the monetary gift to a gift account, and storing the value of the monetary gift and the at least one recommended gift or transfer in association with the presentation template for delivery to a recipient. | 2014-03-13 |
20140074655 | SYSTEM, APPARATUS AND METHODS FOR ONLINE ONE-TAP ACCOUNT ADDITION AND CHECKOUT - Disclosed are methods, computer readable media and apparatus for providing one-tap account addition and one-tap checkout features to a consumer. In an embodiment, a wallet server computer receives a request from a consumer device to enable a one-tap account addition feature, and receives consumer registration data and consumer payment account data. The wallet server then uploads consumer device data and reader device data, and determines that the reader device is near-field communication capable. The wallet server next stores the consumer registration data, payment account data, and the consumer device data in an electronic wallet and enables the one-tap add account addition feature. In some embodiments, the consumer may select to opt-in to a one-tap checkout feature, and if so then a one-tap checkout cookie is transmitted for storing on the consumer device. | 2014-03-13 |
20140074656 | BARTERING USING INDUCTIVE AND DEDUCTIVE PROCESSES - A method of facilitating bartering includes receiving a first input from a first user, a second input from a second user, and entering the inputs into a database to create a listing for each user. The first input includes a first item for trade and a criteria for trade. The second input includes a second item and a category of items or subcategory of items to be obtained that satisfies the criteria for trade. The method further includes searching and filtering items within the database to identify a match, generating an electronic message including information related to the match and sending the electronic message to at least one of the first user and the second user, and enabling the first and second users to respond to the electronic message and share contact information. | 2014-03-13 |
20140074657 | METHOD AND SYSTEM FOR DETECTING FRAUD - Techniques are presented for detecting fraud while facilitating an online transaction. Sale information from a seller and payment information from a buyer are received and analyzed for fraud. If no fraud is detected, the transaction proceeds and payment from the buyer is facilitated. If fraud is detected, the transaction is terminated and a fraud investigator is notified. | 2014-03-13 |
20140074658 | SYSTEMS AND METHODS FOR FACILITATING ITEM SEARCHING AND LINKING TRANSACTIONS FUNCTIONALITY IN MOBILE COMMERCE - This disclosure describes systems, methods, and computer-readable media related to facilitating item searching and linking transactions functionality in mobile commerce. In some embodiments, a user device may receive an identification of an item from a user. The user device may receive one or more search parameters. The user device may facilitate a search for the item based at least in part on the identification of the item and the one or more search parameters. The user device may insert the item into a lifecycle shopping list. The user device may store the lifecycle shopping list. | 2014-03-13 |
20140074659 | RAMPED ORDERING FOR CLOUD SERVICES - Provisioning, managing and tracking of services provided by a cloud infrastructure system are described. A subscription request from a customer for one or more services provided by the cloud infrastructure system is received. The request includes a specification of services with different service levels for different time periods. A phased deployment of a customer's subscription order based on the service levels and time periods specified by the customer in the subscription order is then determined. | 2014-03-13 |
20140074660 | SYSTEMS AND METHODS FOR THE SELECTION AND PURCHASE OF DIGITAL ASSETS - The present invention provides systems and methods for enabling a customer to sample content and select content for purchasing while the customer is in a retail store. Advantageously, the customer may be given one or more options for the delivery of the content. | 2014-03-13 |
20140074661 | APPARATUS AND METHOD FOR FACILITATING A PURCHASE USING INFORMATION PROVIDED ON A MEDIA PLAYING DEVICE - Disclosed are apparatus and method for facilitating a purchase in conjunction with media content information. The apparatus includes a receiver configured to receive a transmission of media content, information regarding the content, and information for facilitating a purchase of at least one of a copy of the content, a good, and/or a service. The content may include broadcast media content and entertainment media content. The apparatus also includes a processor configured to process the information regarding the content and the information for facilitating a purchase of the copy of the content, the good, and/or the service. The apparatus also includes a display device for displaying information. | 2014-03-13 |
20140074662 | ON-LINE PAYMENT TRANSACTIONS - A computer-implemented method includes generating on a user terminal a merchant web site associated with a merchant with code for a merchant web page, transmitting a product selection request for the user to a remote open payment system that is separate from the merchant, and displaying purchase information responsive to the product selection request using the code for the merchant web page. | 2014-03-13 |
20140074663 | INTEGRATING PURCHASE HISTORY AND METADATA ACROSS DEVICES - The technology relates to synchronizing purchase information and metadata across devices. The system maintains a server listing of items purchased from an online store and associated with a user account, each item in the server listing of items being associated with a respective first hash value. Then, the system receives, from a client device, a client listing of items purchased from the online store representing a last known listing of items purchased from the online store and associated with the user account, each item in the client listing of items being associated with a respective second hash value. Next, the system determines a difference between the respective first hash value and the respective second hash value. Based on the difference, the system sends, to the client device, metadata identifying items present in the server listing of items that are not in the client listing of items. | 2014-03-13 |
20140074664 | SYSTEM TO PURCHASE PRODUCTS SEEN IN CONTENT MEDIA - A system for purchasing products from content media, the system comprising: a website portal configured to interface with one or a plurality of sellers and one or a plurality of buyers; a device configured to interface with the website portal; the device configured to synchronize with the content media; an interface for one or a plurality of buyers to purchase a product seen in the content media. | 2014-03-13 |
20140074665 | MARKETPLACE FOR THE SALE OF GOODS AND SERVICES WHEREBY SALE PROCEEDS ARE PROVIDED TO CHARITABLE ORGANIZATIONS - An online system and service that enables charities to receive and encourage donations through donors selling items, such as goods or services, in exchange for a charitable receipt from the charity. The system enables a seller to post an item for sale and for buyers to buy the item for sale at fair market value (FMV). The seller can designate one or more charities to receive all or a portion of the monetary proceeds from the sale. Through a filtering system the items are searchable by a number of criteria, including: charity, price, seller, recency of posting, etc. | 2014-03-13 |
20140074666 | "Purchase by Chapter," a Method of Electronic Point of Sale of Digital Content - A method of commerce for books, including ebooks and audiobooks, in digital format. Each book is offered for sale chapter-by-chapter, alongside the option to purchase the book as a unit. The publisher or etailer divides the book with digital metadata to enable chapter-by-chapter display and commerce on the book's sales webpage. The book may or may not be a textbook. The book can be copyrighted. The sales page can be presented to a general audience without need of a special ereader or subscription. Options presented to the consumer can include temporary access as well as a permanent download. Temporary access can be provided by streaming audio or a password-protected webpage or read-only file. Unlimited temporary access may be offered as part of a pre-paid subscription. | 2014-03-13 |
20140074667 | System and Method for Inventory Control of Mobile Assets - A radio-frequency identification (“RFID”)-based asset tracking system uses a mobile RFID reader to move among stationary assets and communicate with RFID tags attached to the assets. The mobile RFID reader has means for estimating its own location, so the location of a tagged asset can also be estimated by reference to the RFID reader's location when the RFID tag was seen. Location and tag information can be reported back to a central database in real time, or collected and uploaded to the database when the mobile RFID reader returns to a base station. The systems can be used to keep track of vehicles on a dealer's lot or in a warehouse or parking structure. | 2014-03-13 |
20140074668 | Sensor-based Risk Assessment in Supply Chain Processes - In one embodiment, a method includes determining a set of constraints based on a supply chain activity and a classification. The method then configures a set of sensor nodes based on the set of constraints. The set of sensor nodes is associated with an asset being monitored. A notification is received from a sensor node when one of the set of constraints is violated by a current context detected by the sensor node for the asset. The set of sensor nodes uses the set of constraints to evaluate the set of constraints against current contexts detected in the supply chain activity in real-time. The method then sends an alert to a supply chain management system based on the notification, the alert indicating the violation of the constraint associated with the asset. | 2014-03-13 |
20140074669 | METHOD, SYSTEM AND APPARATUS FOR MANAGING INVENTORY - According to embodiments described in the specification, a method, system and apparatus for managing inventory are provided. The method comprises storing at least one job record in a memory, the at least one job record comprising a first of a plurality of job identifiers and at least a first subcomponent identifier; receiving a transaction record comprising a second subcomponent identifier; and storing the transaction record in the memory in association with one of the plurality of job identifiers. | 2014-03-13 |
20140074670 | METHODS AND SYSTEMS FOR ESTIMATING RECOVERABLE UTILITY REVENUE - A system includes a utility analytics system. The utility analytics system includes a non-technical utility loss system configured to derive a probability of at least one utility non-technical loss, an unbilled utility system configured to calculate an expected unbilled utility service for a customer based on customer attributes and the probability of the at least one utility non-technical loss, and a revenue recoverability system configured to calculate an expected recoverable revenue based on probability of revenue recovery and of the expected unbilled utility service. | 2014-03-13 |
20140074671 | Computer-Aided System for Improving Return on Assets - Management software for increasing of return on assets (ROA) and, more particularly, to software-enabled systems, methods and apparatus using the metric profit per asset-hour (PPAH) for measuring and increasing profit generated by asset utilization to increase return on assets (ROA) and likewise return on equity (ROE). | 2014-03-13 |
20140074672 | Fraud tracking network - A tax fraud finder network is provided with a device for calculating a score based on information provided to government agencies by using multiple collections of information. An HEV algorithm uses mismatches in different sets of collections to arrive at a display and edit score. A report is generated and sent to local government agencies to find violations. | 2014-03-13 |
20140074673 | SYSTEM AND METHOD FOR MAINTAINING EMPLOYMENT ELIGIBILITY AND BANK CUSTOMER INFORMATION - A payroll enrollment system collects data from one source but for different purposes. The enrollment system is operated by a third party for receiving personal data from an employee. On behalf of an employer, the enrollment system collects and retains employment eligibility data based on the entered personal data. Based on the same personal data, the enrollment system collects and retains bank customer identification data, on behalf of a financial institution, when an account at the financial institution is established by the enrollment system for receiving payroll deposits. | 2014-03-13 |
20140074674 | TRACKING FOR ROYALTY DETERMINATION - A system including at least one memory having a plurality of individual contributions forming a compilation stored in the at least one memory; and at least one processor connected to the at least one memory, where the processor is configured to use provenance data associated with a catalog item to track an individual contribution in a compilation of contributions, where the compilation is stored in the at least one memory; and dynamically compute a royalty distribution for the individual contribution based, at least partially, upon at least one metric related to the contributions which form the compilation. | 2014-03-13 |
20140074675 | DIGITAL RECEIPT MANAGEMENT - Systems, methods, and computer program products are provided for managing digital receipts. The system includes a computer apparatus including a processor and a memory; and a digital receipt management software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive a transaction record including information relating to a transaction. The system then determines a user account associated with the transaction record based on the information; associates the transaction record with a transaction in the user account; and creates a digital receipt based on the transaction record and the account history. The digital receipt is stored in association with the transaction in a digital receipt mailbox and provided to the user when the user accesses the transaction. Special offers, supplemental information, and recommendations may also be provided in the digital receipt. | 2014-03-13 |
20140074676 | Tracking For Royalty Determination - A system including at least one memory having a plurality of individual contributions forming a compilation stored in the at least one memory; and at least one processor connected to the at least one memory. The processor is configured to identify at least one of the individual contributions; and determine a royalty distribution value for the identified individual contribution based, at least partially, upon at least one weighted metric regarding the compilation. | 2014-03-13 |
20140074677 | Financial News Generation System - A computer process generates news stories and related graphic images by compiling and reformulating financial data in relation to insider ownership. The news stories and images may be published as readable articles in print publications such as magazines, newsletters or newspapers, presented as web pages, as text or images delivered by email, interne messaging or mobile messaging including text messaging, or as text or images delivered by any proprietary distribution network including electronic net works. | 2014-03-13 |
20140074678 | BIMODAL COMPUTER-BASED SYSTEM FOR SELLING FINANCIAL PRODUCTS - Disclosed are computer-implemented systems and software comprising a software module configured to provide financial product education, research, and recommendation tools, the tools operating in a self-service mode adapted for use by a consumer; a software module configured to provide the financial product education, research, and recommendation tools, the tools operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative; and a software module configured to generate a unique code for the consumer, the code providing persistence of state and data information between the self-service mode and the collaboration mode across locations and interfaces without authentication. Also disclosed are methods of making and using the same. | 2014-03-13 |
20140074679 | TARGETED OBJECTIVE COMPLEMENTARY CURRENCY - A financial instrument includes a token representation of a complementary currency associated with the primary currency, whose value amount is substantiated and secured by an asset base having intrinsic value, and enables at least a portion of the value of the primary currency to be payable upon redemption or exchange to at least one of a social, environmental or non-secular recipient or cause, as defined by a holder of the financial instrument. | 2014-03-13 |
20140074680 | Futures Exchange Support of Spot Trading - A computer system associated with spot market trading in a particular subject matter may communicate with a computer system associated with trading in futures contracts or options in futures contracts for the subject matter. The communications may include pricing data for at least one of futures contracts or options in futures contracts for the subject matter, which pricing data may be used for spot market pricing. The communications may also include communications regarding futures hedging of spot trading in the subject matter. | 2014-03-13 |
20140074681 | SYSTEM AND METHOD FOR TRADING GREEN TECHNOLOGY AND PATENT TECHNOLOGY - A system and method for trading green technology and patent technology. The system includes a patent owner computer for entrusting purchase of a certain patent right to a patent trading market, a patent exchange server for evaluating a value of the patent right as in a stock exchange market, deciding a price of the patent right, deciding how many pieces the patent right will be divided into, and publishing the decided details of the patent right. An examination authority server receives information from an expert group evaluating and examining a value of the patent right registered in the patent exchange server and entrusted by the patent exchange server, and providing results of the evaluation and examination with respect to the patent right to the patent exchange server. A patent purchaser computer participates in purchasing of the patent right, and a patent infringement monitoring server monitors patent infringement. | 2014-03-13 |
20140074682 | GLOBALLY OPTIMUM TRADING POSITIONS IN RISK-NEUTRAL MEASURE - A trading position evaluation system for evaluating trading positions that are globally optimum in a risk-neutral measure includes an option price determination module configured to determine a current option price and a shifted option price of an underlying asset of a European Contingent Claim (ECC) at a trading time instance amongst a plurality of trading time instances obtained from a trader, based on ECC data and market data. The ECC data comprises data associated with the ECC and the underlying asset of the ECC, and the market data comprises annualized volatility of the underlying asset and risk-free interest rate of market. Based on the current option price and the shifted option price, a position evaluation module evaluates a trading position at the trading time instance that minimizes global variance of profit and loss to the trader. | 2014-03-13 |
20140074683 | SYSTEMS AND METHODS OF CONDUCTING FINANCIAL TRANSACTIONS - Systems and methods of conducting financial transactions are disclosed. For example, one disclosed method includes receiving a first price on a computer from a provider, the first price associated with an available volume of a financial instrument; associating the price with the provider in a computerized database of a plurality of providers; identifying a plurality of user-preferred providers in the computerized database associated with the first price; aggregating the available volume of the financial instrument offered for sale or required for purchase by the plurality of user-preferred providers on the computer; and causing the aggregated volume of the financial instrument to be displayed on a display in communication with the computer. | 2014-03-13 |
20140074684 | BIMODAL COMPUTER-BASED SYSTEM FOR SELLING FINANCIAL PRODUCTS - Disclosed are computer-implemented systems and software comprising a software module configured to provide financial product education, research, and recommendation tools, the tools operating in a self-service mode adapted for use by a consumer; a software module configured to provide the financial product education, research, and recommendation tools, the tools operating in a collaboration mode, the collaboration mode comprising a sales overlay adapted for use by a sales representative; and a software module configured to generate a unique code for the consumer, the code providing persistence of state and data information between the self-service mode and the collaboration mode across locations and interfaces without authentication. Also disclosed are methods of making and using the same. | 2014-03-13 |
20140074685 | PROPERTY RIGHTS MANAGEMENT PLATFORM - The present document describes a platform configured to recommend in a push manner a selection of prospect acquirers for a product in a target market, the platform comprising: a product database containing product, an acquirer directory with past transactions information, a search engine configured to scan the acquirer directory to rank prospect acquirers using a set of ranking criteria; and an interface to display a selection of highly-ranked prospect acquirers. According to an embodiment, the platform is further configured to assess a transaction proposal made by a prospect acquirer for the product, the platform further comprising a proprietor directory with information about past contracts, and a processing engine configured to automatically evaluate the transaction proposal by comparing the transaction proposal information with the information stored in the acquirer directory and in the proprietor directory on the basis of assessment criteria, thereby providing a recommendation about the transaction proposal. | 2014-03-13 |
20140074686 | METHOD AND SYSTEM FOR GENERATING AND TRADING COMPOSITE CONTRACTS - The disclosed embodiments provide a system and method for automatically generating a composite contract characterized by at least one parameter. A first subset of eligible component contracts is identified from a set of available component contracts wherein each of the available component contracts is characterized by at least one attribute. A second subset of component contracts is then selected from the first subset to generate the composite contract. | 2014-03-13 |
20140074687 | ASSESSING CONSUMER PURCHASE BEHAVIOR IN MAKING A FINANCIAL CONTRACT AUTHORIZATION DECISION - A method includes: receiving a request corresponding to a prospective customer for a new service contract and/or a product, wherein the request comprises purchaser data specific to the prospective purchaser, and new transaction data; determining historic data for a plurality of past transactions based at least in part on the purchaser data and one or more characteristics of the new service contract and/or the product, the historic data including purchaser data, transaction data, and outcome data; determining, based on the respective outcome data, historic profitability data related to the plurality of past transactions; determining a profitability prediction of the request, wherein the profitability prediction is based on the historic profitability data; determining a profit estimate of the request, the profit estimate based on a cost associated with a subsidization of the new service contract and/or the product; and determining an authorization decision based on the profitability prediction. | 2014-03-13 |
20140074688 | BEHAVIORAL BASED SCORE - A financial interaction related to a set of financial behaviors is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and the visualization of alterations (increases and decreases) of the credit risk as direct feedback. The system demonstrates how behaviors identified in the financial interaction affect credit risk. Based on the financial interaction, estimates can be made of a financial score and presented in a display. | 2014-03-13 |
20140074689 | Systems and Methods for Modifying Consumer Credit Data - Aspects of the present invention include methods and systems useful for modifying a consumer's credit data. This can be achieved by receiving and analyzing consumer data and a credit goal of the consumer. A simulation can be performed, simulating one or more changes to tradeline data of the consumer and determining if the simulation achieves the at least one credit goal of the consumer. If so, an action plan can be generated, including one or more steps for the consumer to carry out to achieve the at least one credit goal. Credit tradeline data of the consumer can be monitored, and from the observed data, it can be determined if the at least one credit goal has been achieved. If so, aspects of the invention can include notifying a lender that the at least one goal has been achieved. | 2014-03-13 |
20140074690 | DIGITAL RECEIPT ROUTER - Systems, methods, and computer program products are provided for routing digital receipts. In the systems and methods, transaction data is received, where the transaction data includes a receipt authorization code. The receipt authorization code is associated with one or more rules that include certain transaction criteria. The transaction criteria and the transaction data are compared to determine that the transaction complies with the one or more rules. Receipt data for the digital receipts is determined based on the terms of the one or more rules. In the systems and methods, digital receipts are provided to the user and include at least some of the receipt data. | 2014-03-13 |
20140074691 | BILL SPLIT FOR NFC TRANSACTIONS - Conducting a financial transaction using near field communication. An amount of money owed for a first commercial transaction can be determined. Respective financial account information can be received from each of a plurality of mobile devices via near field communication. A respective portion of the money owed for the first commercial transaction can be allocated to each respective financial account, wherein each respective financial account is identified by the financial account information provided by a respective one of the plurality of mobile devices. Allocated portions of the money owed can be charged, respectively, to the financial accounts. | 2014-03-13 |
20140074692 | APPLICATION OF A VALUE DATA TO A PROFILE OF A VEHICLE BASED ON A LOCATION OF THE VEHICLE - A method, apparatus and system related to an application of a value data to a profile of a vehicle based on a location of the vehicle is disclosed. According to one embodiment, a method of an administrative server includes processing a location data of a vehicle having an onboard location device, matching the location data to a value data based on a location lookup table, and applying the value data to a profile of the vehicle. The method may include applying a credit and/or a debit, based on the value data, to an account (e.g., a financial account, a non-financial account) of a user associated with the vehicle according to a predetermined policy of an administrator. The method may also include modifying the value data to a modified value data depending on a meta-data such as a time of day, a date, and/or a vehicle type/model. | 2014-03-13 |
20140074693 | TRACKING FOR ROYALTY DETERMINATION - A method including identifying an individual contribution to a compilation, where the compilation comprises a plurality of individual contributions; and determining, at least partially with a computer processor, a royalty distribution value for the identified individual contribution based, at least partially, upon at least one weighted metric regarding the compilation. | 2014-03-13 |
20140074695 | Payment System and Method Using Tokens - A method of payment using tokens issued by a third party comprising the steps of: a. A transaction management unit receives a request to perform a service for which payment with tokens is required; b. The management unit checks whether there are yet unused tokens available; If an unused token was found, go to step (c); If there are no available tokens, then indicate that, then END; c. The management unit requests information on an available token from a database. The status of the used token is changed to “used”; d. During the subsequent transaction, the management unit sends information relating to the token now used. A system for managing and monitoring the use of tokens, comprising: a. a transactions management unit using tokens, wherein the unit is activated when a local user requires to perform a service for which payment using tokens is required; b. a tokens database which includes information on tokens acquired from the third party; c. a tokens use monitoring unit, to verify the correct use of tokens; d. a database of tokens reports; e. a communication channel to other users. | 2014-03-13 |
20140074696 | CREDIT CARD FORM FACTOR SECURE MOBILE COMPUTER AND METHODS - A communication device is provided and includes a first major surface including a display and a mixed array. The mixed array includes at least two different types of array units and occupies an area coinciding with, in plan view as viewed perpendicular to the major surface, at least substantially the entire major surface. | 2014-03-13 |
20140074697 | AUTOMATED CLEARING HOUSE TRANSACTION SCORING - Embodiments provide calculated scores allowing users to quickly and easily evaluate credit and ACH risk associated with a financial institution's ACH originators. The index score is computed using a 0 to 100 scale with 100 reflecting a low risk ACH relationship and 0 indicating significant potential risk. The index score integrates the standard entry class code, standard entry class code return risk percentage, industry risk factors, origination set volume, origination set frequency, origination set aggregate peak exposure risk, third party financial information, public record information, economic risk metrics, and customized risk profile. | 2014-03-13 |
20140074698 | SYSTEM AND METHOD FOR PROVIDING CONTACTLESS PAYMENT WITH A NEAR FIELD COMMUNICATIONS ATTACHMENT - A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack. | 2014-03-13 |
20140074699 | Online Processing for Offshore Business Transactions - A method and system for processing offshore online transaction use an intermediary platform to conduct foreign currency exchange on behalf of a buyer and an offshore seller. The method allows the buyer to purchase a product of an offshore merchant website using a local currency through the intermediary platform. The buyer places an order at the offshore merchant website, which sends an order request to the intermediary platform. The intermediary platform calculates the purchase amount in local currency, and exchanges the local currency amount provided by the user into an equivalent foreign currency amount through a financial platform, and sends a transaction message indicating successful payment to the offshore merchant website to allow shipping of the product. The intermediary platform periodically conducts accounting and profit sharing operations with the offshore merchant website. | 2014-03-13 |
20140074700 | Automated Transactions Clearing System and Method - Embodiments of the present invention are related to systems and methods of verifying the integrity of transactions that traverse through complex system workflows, and particularly, verifying the integrity of financial and non-financial transactions that traverse through a plurality of financial systems making up one or more system workflows. In one embodiment, a clearing system is disclosed to include a central clearing engine configured for processing a plurality of transactions by retrieving transaction data of at least one transaction of the plurality of transactions from at least one data source based on a selection received. After parsing the transaction data, the central clearing engine may verify transaction data integrity based on the transaction data and determine a result, and generate a report based on the result. | 2014-03-13 |
20140074701 | PHYSICAL-VIRTUAL GIFTING VIA ONLINE BILLPAY - Apparatus and methods for improving online billpay are provided. In some embodiments, the apparatus and methods may receive an attachment from a donor. The attachment may be submitted by the donor for inclusion in a gratuitous transfer of funds to a beneficiary. The transfer of funds may be tagged using an electronic marker. The tag may include a set of predefined parameters. The tag may restrict the use of funds according to a set of predefined parameters. The gratuitous transfer of funds may be electronically transmitted. The transfer may be confirmed by an electronic notification. | 2014-03-13 |
20140074702 | Metered Wireless Energy System - A system and method for metering the power delivered by broadcast or wireless power systems to extract value by power providers, venue operators, and others. There are three main components in the system, a transmitter, a receiver, and a coordinating system. | 2014-03-13 |
20140074703 | BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM - Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder. | 2014-03-13 |
20140074704 | SYSTEMS, METHODS AND DEVICES FOR CONDUCTING TRANSACTIONS WITH ELECTRONIC PASSBOOKS - A method is disclosed for storing an electronic gift card (eGC) on a portable electronic device. The method includes: receiving a request for a web page hosted by a prepaid instrument provider server, the request including a uniform resource locator (URL) associated with a selected eGC stored on the server; associating with the selected eGC a unique identification code and a URL link to the selected eGC; sending the web page with a user-interface control that, when selected, causes the selected eGC to be added to an electronic passbook on the portable electronic device; responsive to selection of the user-interface control, receiving the unique identification code associated with the selected eGC; responsive to receiving the unique identification code, creating an electronic passbook file for the selected eGC; and, communicating the electronic passbook file for adding as a representation of the selected eGC to the electronic passbook. | 2014-03-13 |
20140074705 | METHODS AND SYSTEMS FOR PROCESSING ELECTRONIC DISBURSEMENTS - A disbursement module (DM) computer device is provided for processing an electronic disbursement. The DM computer device includes a memory device and a processor. The processor is programmed to register a payor with a disbursement service provided by the DM computer device and to receive a disbursement command from the payor. The disbursement command instructs a disbursement to be made to a payee and includes payee contact information, payee verification data, and a disbursement amount. The processor is further programmed to receive a disbursement request message that includes a payee identifier from the payee requesting that the disbursement be made, and to verify the payee by matching the payee identifier to the payee verification data. The processor is further programmed to electronically transfer funds from a bank account associated with the payor to a bank account associated with the payee. | 2014-03-13 |
20140074706 | FACILITATING TRANSACTION ABILITIES OF MULTIPLE FINANCIAL INSTITUTIONS - Technologies and implementations for facilitating transaction capabilities of multiple financial institutions are generally disclosed. | 2014-03-13 |
20140074707 | PERSONALIZED MOBILE BANKING TRANSACTIONS - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 2014-03-13 |
20140074708 | Forecasting of Deposits for a Money Handling Machine - A computer system obtains deposit information from a money handling device and projects a number of deposited checks at the money handling device at a subsequent time. The transaction computer determines whether the projected number of deposited checks exceeds a check threshold and generates an indicator whether deposits should be removed from the money handling device based on the determination. The number of deposited checks may be tracked at the money handling device and, if the tracked deposits are trending differently from the projected number of deposited checks, the generated indicator may be adjusted. The projected number of deposited checks at a money handling device may be compensated based on an event such as a special event or holiday. Also, the projected number of deposited checks at the money handling device may be modified when a natural disaster such as a hurricane occurs. | 2014-03-13 |
20140074709 | EFFICIENT TRANSFER OF FUNDS BETWEEN ACCOUNTS - A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account. Additionally, the transfer management system transmits an intra-bank transfer request to a receiving bank system of the receiving bank to transfer the amount of funds from the intermediate receiving account maintained by the receiving bank to the receiving account. | 2014-03-13 |
20140074710 | Consumer Processing of Payments for Merchants - Methods and systems are provided for facilitating payment to a merchant for products purchased by a customer. A merchant identification card of the merchant can be swiped on a user device to facilitate such payment. Thus, the payment can be made in a manner that does not compromise personal information of the user to the merchant or to others. The user does not have to be concerned with receiving unwanted advertisements or with other problems associated with such undesirable disclosure of the user's personal information. | 2014-03-13 |
20140074711 | OBTAINING A SIGNATURE FROM A REMOTE USER - The present invention is directed to receiving a signature (or other type of verification or confirmation) from a remote user. The present invention enables a merchant to send a signature request over a network to any device having a browser and touch screen or other means for receiving user input. An input area is displayed within the browser on the user's device. When the user inputs a signature, the signature can be routed over a network back to the merchant to provide authorization for a transaction. | 2014-03-13 |
20140074712 | MEDIA DISTRIBUTION SYSTEM AND PROCESS - A media distribution system that records media segments of performances at a live event. The system generates and stores media data files representing respective ones of the recorded segments and segment metadata associated with the respective recorded segments. The system determines if one of the recorded media segments is associated with a user based on the stored metadata and corresponding user data associated with the user, and generates alert data, representing the associated segment, for a client application in a user device associated with the user in the user data, wherein alert data generates an alert in a user interface of the user device. The system receives user response data, generated by the client application, representing a segment ID to identify the associated segment and a response from the user associated with the associated segment. | 2014-03-13 |
20140074713 | Obtaining User Input From A Remote User to Authorize a Transaction - The present invention is directed to receiving a signature (or other type of verification or confirmation) from a remote user. The present invention enables a merchant to send a signature request over a network to any device having a browser and touch screen or other means for receiving user input. An input area is displayed within the browser on the user's device. When the user inputs a signature (or other form of user input acting as authorization), the signature can be routed over a network back to the merchant to provide authorization for a transaction. Various forms of authentication can be used to verify the identity of the user providing authorization for the transaction. | 2014-03-13 |
20140074714 | ATTENDED DISPENSING ENVIRONMENT UTILIZING MOBILE PAYMENT - A payment system is provided for attended vending machines allowing customers to initiate mobile payment for goods or services with an attendant handheld. The handheld can generate a transaction identifier based on obtained transaction information related to goods or services dispensed, which can be provided to a mobile payment server. The handheld can render a representation of the transaction identifier for consumption by a mobile device, such as a quick response (QR) code, bar code, near field communication (NFC) field, Bluetooth communication, etc. The mobile device can process the representation to obtain the transaction identifier for initiating payment with the mobile payment server. | 2014-03-13 |
20140074715 | REQUEST MONEY SOCIAL NETWORKING APPLICATIONS - In some example embodiments, a system and method is illustrated as including receiving a funds request that contains an identifier to uniquely identify a first member of a social networking community, the funds request including an amount of funds requested. Further, this method may include receiving a funds authorization from a grantor of funds. Additionally, this method may include transmitting a funds transfer instruction based upon the funds authorization. Moreover, this method may include transferring the amount of funds requested from an account held by the grantor of funds to an account held by the first member of a social networking community. | 2014-03-13 |
20140074716 | METHOD AND DEVICE FOR SECURING AN INFORMATION INTERACTION PROCESS - An electronic device with one or more processors, memory, and a display detects a user interaction with a user interface of a first application and, in response to detecting the user interaction with the user interface of the first application, determines whether one or more security parameters are satisfied, where a first security parameter is satisfied when a network access point being used by the electronic device satisfies predefined criteria. In accordance with a determination that the one or more security parameters are satisfied, the device: displays a security keyboard on the display corresponding to a second application different from the first application; and receives user information input via the security keyboard by a user of the electronic device. The device transmits the user information to a target terminal. | 2014-03-13 |
20140074717 | System and Method for Verification, Authentication, and Notification of Transactions - A system and method are provided for verifying, authenticating, and providing notification of a transaction such as a commercial or financial transaction, with and/or to at least one party identified as engaging in the transaction and/or identified as having a potential interest in the transaction or type of transaction. | 2014-03-13 |
20140074718 | SYSTEM AND METHOD FOR PROCESSING CHECKS AND CHECK TRANSACTIONS - A system and method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The method provides for the comparison of data files to image files, based on MICR information, to find any unmatching or mismatched items for exception processing and a process to manage ACH-ineligible items as an image or substitute check. The system and method further provides for sorting exceptions according to transaction type (ACH eligible versus ACH-ineligible) and prioritizing the further processing of the exceptions based on transaction type. | 2014-03-13 |
20140074719 | SYSTEM AND METHOD FOR COMPUTERIZED NEGOTIATIONS BASED ON CODED INTEGRITY - An accelerated transparent authenticated Data Exchange system wherein the chronology of alternating senders' and receivers' messages are authenticated typically at each step, with an easy to use provision for resending, in the event of faulty transmission, such that the final message hash value authenticates the negotiation chronologically from first to final message, wherein the final hash value is operative to enable a signature of an entity or entities which binds such entity to the whole data exchange, which signature can be in clear text, encoded, and/or encrypted with authentication integrity. The system is useful for managing computerized negotiations including client-initiated computerized negotiations and including computerized financial transactions. | 2014-03-13 |
20140074720 | VIRTUAL ACCOUNT AND TOKEN-BASED DIGITAL CASH PROTOCOLS - The virtual account and token-based digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A user has one master pair of private and public keys and many pseudonym pairs of private and public keys. The new protocols combine blind digital signature and pseudonym-based authentication. Blind digital signatures based on the master pair of keys are used to withdraw digital cash from the user's bank account under the user's real identity. A pseudonym pair of keys is used for depositing digital cash with a digital cash issuer. Pseudonym key pairs are used for spending the digital cash. Digital cash includes digital cash tokens in virtual accounts, which can be managed from a user's fixed or mobile computing platform. | 2014-03-13 |
20140074721 | HYBRID VIRTUAL ACCOUNT AND TOKEN-BASED DIGITAL CASH PROTOCOLS - The hybrid virtual account and token-based digital cash protocols provide a user with many pairs of secret and public keys. One of the pairs is the master pair, which consists of one master user private key and one master user public key. Other pairs are pseudonym pairs, wherein each consists of one pseudonym user private key and one pseudonym user public key. The use of a master key pair and pseudonym key pairs circumvents the need for blind signatures. None of the invention's protocols require blind signatures. The protocols comprise public key protocols, digital signatures and symmetric key protocols. | 2014-03-13 |
20140074722 | USE OF STATE OBJECTS IN NEAR FIELD COMMUNICATION (NFC) TRANSACTIONS - A near field communication (NFC)-enabled client device includes one or more computer-readable storage media and an NFC interface component operational in a card emulation mode of an NFC protocol. The client device also includes an application for performing a transaction using the NFC protocol. The application is stored on the one or more computer-readable storage media. Programming logic is configured to receive and store a state object (e.g., a cookie) provided by a security authority using the NFC protocol when performing a transaction using the application. The state object includes an identifier, data payload and a public key associated with the security authority. The programming logic is also configured to transmit the state object to the security authority upon receiving an HTTP operation identifying the state object. | 2014-03-13 |
20140074723 | COMMUNICATING PAYMENTS - For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes the transaction in response to receiving the payment authorization. | 2014-03-13 |
20140074724 | SYSTEMS AND METHODS FOR REAL-TIME ACCOUNT ACCESS - Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided. | 2014-03-13 |
20140074725 | FINANCIAL TRANSACTIONS WITH A VARYING PIN - The present invention provides a financial transaction facilitating device for facilitating a financial transaction at an ATM, point of sale station, via the Internet or to login to a financial account by generating a PIN in response to a correct biometric identifier being supplied. Also provided are a financial transaction processing facility, a method of facilitating a financial transaction and a method of processing a financial transaction. | 2014-03-13 |
20140074726 | ELECTRONIC PAYMENT METHOD, SYSTEM, AND DEVICE - Disclosed are an electronic payment method, system and device wherein, in a process for executing an electronic payment, a user's login information is verified in order to determine whether or not the user is a customer having excellent connection frequency, and then the buyer's payment means information and/or preferred payment means information is provided on the basis of the result of the determination, and thus the buyer is able to execute the payment in a more convenient manner. | 2014-03-13 |
20140074727 | Platform for Resolving Complaints with Customers - The present invention extends to methods, systems, and computer program products for providing a platform that enables a business to quickly and easily resolve complaints with its customers. The platform of the present invention provides a central location for accumulating complaints from customers of a business and presenting the complaints to the business for resolution. The platform also facilitates communication between the business and its customers to expedite the resolution of the complaints. In essence, the platform acts as a centralized intermediary between the customers and the businesses to promote the resolution of complaints in a fair and efficient manner. | 2014-03-13 |
20140074728 | SYSTEM FOR SOCIAL CARE ROUTING, PRIORITIZATION AND AGENT ASSISTANCE - A system for social care routing, prioritization and agent assistance for interfacing with a carrier network, a social listening device, a social network or proprietary social feedback apparatus, and a contact center and contact center database. Author postings, demographic information, sentiment, topical relevancy, and customer service requests and other data are used for prioritization, agent assistance and routing. A contact center database and a social network listening device or proprietary social feedback apparatus obtain information used in determining routing and tagging instructions. A user interface is connected to the system to accept configurable conditions for determining customer service instructions to the agents. A color-coded agent heads-up display for author and customer profiling and customer relationship management timeline is disclosed for effectively managing social posts and authors needing customer service assistance by agents at each target enterprise contact center. | 2014-03-13 |
20140074729 | REPORT CREATION DEVICE, REPORT CREATION SYSTEM, AND COMPUTER-READABLE STORAGE MEDIUM - A report creation device includes a device information acquisition unit configured to acquire device information about a device; a failure information acquisition unit configured to acquire failure information about failure that occurs in the device; a person information acquisition unit configured to acquire person information about a person who handles the failure that occurs in the device, the person information indicating at least a contact number of the person; a creation unit configured to create a report based on the device information, the failure information, and the person information; and an output unit configured to output the report. | 2014-03-13 |
20140074730 | HVAC SYSTEM REMOTE MONITORING AND DIAGNOSIS - A method of operating a heating, ventilation, or air conditioning (HVAC) monitoring service is described. The method includes: providing a local device for installation in an HVAC system of a residential or commercial building; periodically receiving data from the local device across a wide area network, wherein the received data includes electrical sensor data including at least one of current or power; and storing the received data. The method further includes: analyzing the stored data to selectively identify problems and selectively predict faults of the HVAC system; receiving a subscription fee corresponding to the building, the subscription fee applying to a calendar period; and during the calendar period, providing information on the identified problems and the predicted faults to a customer corresponding to the building. | 2014-03-13 |
20140074731 | SYSTEM AND METHOD FOR AUTOMATED DATA DISCREPANCY ANALYSIS - A method for automatic detection of inconsistencies in an appraisal by extracting data from the appraisal to create component data arranged into a predetermined set of categories and selecting a control identifier to trigger a generation of comparison data. Further, through a comparison between the comparison data and the component data, inconsistencies within the appraisal are identified. | 2014-03-13 |
20140074732 | LOCATION DRIVEN APPRAISAL DATA EXTRACTION, PAST APPRAISAL AND VALUE COMPARISON AND COMPARABLE PROPERTY FINDER - A method for location triggered home evaluation for an electronic device that determines a location of the electronic device and identifies a subject property associated with the location. Further, a set of appraisal information for the subject property that includes a listing of comparable properties determined to be appropriate comparable properties for the subject property is requested. | 2014-03-13 |
20140074733 | PHOTOGRAPH INITIATED APPRAISAL PROCESS AND APPLICATION - The present invention relates to photograph initiated property assessment. In one example, an electronic device performs a photograph initiated property assessment by accessing a photographic assessment itinerary that includes a plurality of target portions for the subject property and a set of image capture requirements for each of the plurality of target portions. Further, when performing the initiated property assessment the electronic device prompts a plurality of image capture requests according to the photographic assessment itinerary while displaying a menu that permits the addition of information to the set of image captures. | 2014-03-13 |
20140074734 | METHOD AND SYSTEM FOR MARKETING AND SELLING WATER RIGHTS - A water rights marketing system, methods, and products that perform maintaining a listings database including listings data representative of a plurality of water right listings, receiving data representative of a search query for locating one or more relevant water right listings included in the plurality of water right listings, the search query including search criteria defined by a user of the user device, identifying the one or more relevant water right listings having at least one listings data element that satisfies the search criteria, and presenting the one or more relevant water right listings on a display associated with the user device for access by the user. | 2014-03-13 |
20140074735 | METHOD FOR A LEGAL PROFESSIONAL TO OBTAIN A CLIENT - Disclosed is a method for a legal professional to obtain a potential client to represent in a legal matter. The method includes presenting a potential client with an interface allowing the potential client to input information relating to a legal matter. The method further includes presenting the potential client with a retainer agreement, accessible via an electronic device of the client, such that the potential client can accept the retainer agreement and hire the legal professional via the electronic device. | 2014-03-13 |
20140074736 | METHOD AND SYSTEM FOR RETRIEVING AND SERVING REGULATORY HISTORY FOR A PROPERTY - Described is a method and system for retrieving and serving the regulatory history of a property. An identification of data sources for permits and approvals is stored in a computer system. Property identifiers from the data sources are stored in the computer system. The system identifies the types of permit and approval data available from each of the data sources for each of the property identifiers. A determination can be made of the completeness of the regulatory history available for each property associated with each of said property identifiers. The system receives a request for the regulatory history of at least one of the properties associated with the property identifiers. A web page is populated with a list of the regulatory history for the property. | 2014-03-13 |
20140074737 | SCREENING AND MONITORING DATA TO ENSURE THAT A SUBJECT ENTITY COMPLIES WITH LAWS AND REGULATIONS - There is provided a method that includes (a) receiving an electronic communication that includes a description of a subject entity, (b) matching the input record to data in a first database, where the data includes an identifier of the subject entity, (c) generating a consolidated input that includes the description and the identifier, (d) searching a second database for adverse information concerning the subject entity, based on the consolidated input (e) producing a result that indicates whether the searching yielded the adverse information, and (f) issuing, by way of an electronic communication, a report that includes the result. There is also provided a system that performs the method, and a storage device that contains instructions for controlling a processor to perform the method. | 2014-03-13 |
20140074738 | METHODS AND SYSTEMS FOR PROVIDING PREDICTIVE METRICS IN A TALENT MANAGEMENT APPLICATION - Techniques for providing predictive metrics relating to employment positions are provided. A method may include receiving, by a computing device, data relating to a plurality of employment positions, wherein the data is received from a plurality of customers. The computing device may aggregate the data received from the plurality of customers and may determine statistics using the aggregated data, which are based on each of the plurality of employment positions. The computing device may generate one or more predictive metrics relating to the plurality of employment positions using one or more of the statistics. | 2014-03-13 |